The statistics shows the evolution of the number of claims by land clauses submitted to the Bank of Spain Claims Service between 2011 and 2015. In 2012, the number of claims for limitation clauses to interest rate variation exceeded the figure of 18,000 complaints.
Evolution of the number of claims by land clauses submitted to the Claims Service of the Bank of Spain between 2011 and 2015
Mortgage loan contracts with interest rate cap constraints (known as floor clauses) establish a minimum interest rate that the client will have to pay, regardless of what the reference interest rate in the mortgage market falls, usually the Euribor. Home
These clauses were triggered by the low interest rates set by the European Central Bank in order to combat the crisis with an expansive monetary policy. Due to the mortgage floor, many borrowers have not been able to benefit from lower interest rates and have considered such clauses as abusive. Home
The functions of the Claims Service of the Bank of Spain are assumed by the Department of Market Conduct and Claims.
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The data for the period before 2014 can be found in the editions of the years 2012 and 2014 of the Complaints Report .
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Bank of Spain. (January 30, 2016). Evolution of the number of claims by land clauses submitted to the Claims Service of the Bank of Spain between 2011 and 2015 [Graph]. In Statista. Retrieved April 08, 2020, from https://www.statista.com/statistics/774218/claims-by-limits-to-the-variation-of-the-kind-from-interest-to-the-bank-from-spain/
Bank of Spain. "Evolution of the number of claims by land clauses submitted to the Claims Service of the Bank of Spain between 2011 and 2015." Chart. January 30, 2016. Statista. Accessed April 08, 2020. https://www.statista.com/statistics/774218/claims-by-limits-to-the-variation-of-the-kind-from-interest-to-the-bank-from-spain/
Bank of Spain. (2016). Evolution of the number of claims by land clauses submitted to the Claims Service of the Bank of Spain between 2011 and 2015. Statista. Statista Inc.. Accessed: April 08, 2020. https://www.statista.com/statistics/774218/claims-by-limits-to-the-variation-of-the-kind-from-interest-to-the-bank-from-spain/
Bank of Spain. "Evolution of The Number of Claims by Land Clauses Submitted to The Claims Service of The Bank of Spain between 2011 and 2015." Statista, Statista Inc., 30 Jan 2016, https://www.statista.com/statistics/774218/claims-by-limits-to-the-variation-of-the-kind-from-interest-to-the-bank-from-spain/
Bank of Spain, Evolution of the number of claims by land clauses submitted to the Claims Service of the Bank of Spain between 2011 and 2015 Statista, https://www.statista.com/statistics/774218/claims-by-limits-to-the-variation-of-the-kind-from-interest-to-the-bank-from-spain/ (last visited April 08, 2020)
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