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Protection of mortgage debtors: applications for the RDL 6/2012 Spain 2016

This statistic shows the biannual evolution of the applications received to benefit from the provisions of Royal Decree Law 6/2012 of urgent measures for the protection of mortgage debtors in Spain between 2015 and 2016. In the first half of 2016, the number of applications received exceeded the figure of 17,000.

Semester evolution of the applications received to benefit from the provisions of Royal Decree Law 6/2012 of urgent measures for the protection of mortgage debtors in Spain between 2015 and 2016

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Source

Release date

2016

Region

Spain

Survey time period

S1 of 2015 - S1 of 2016

Supplementary notes

The Royal Decree-Law 6/2012 created the code of good practices to which, voluntarily, the credit entities and other entities that, in a professional manner, carry out the activity of granting loans or mortgage loans can adhere.

The mortgage debtors included in the scope of protection of this royal decree are the holders of loans or loans with mortgage guarantee, which are faced with difficulties to cope with the payments of their loans, since the members of their family unit do not have income derived from work or economic activities and the fees payable exceed 50% or 40% of your income.

The regulation provides that they can request a restructuring of their debt, a reduction so that the amount of their installments is reduced or, finally, term, deliver the house with the debt being canceled.

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