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COVID 19 question

Discuss the Coronavirus situation in Quesada

COVID 19 question

Postby barrieeld » Fri Mar 20, 2020 12:08 am

Long shot but I am wondering if anyone knew if the Spanish banks in particular Bankia are offering holiday payments on mortgages with regards to COVID 19
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Re: COVID 19 question

Postby Bee » Fri Mar 20, 2020 2:08 am

Yes all banks come under the government announcement of a 3 months mortgage moratorium for those being laid off due to corona virus. It applies to employees and self employed. https://www.google.com/amp/s/www.theoli ... risis/amp/

This is the documentation you will need to furnish.
https://www.google.com/amp/s/www.kelist ... s-6780.amp

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Re: COVID 19 question

Postby Nolant » Fri Mar 20, 2020 8:06 am

:text-thankyouyellow:
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Re: COVID 19 question

Postby barrieeld » Fri Mar 20, 2020 9:12 am

Thank you for this....can I ask if you have a holiday home e.g. non resident does this still apply is it mortgages in general or just Spanish citizens?
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Re: COVID 19 question

Postby jpeg » Fri Mar 20, 2020 9:22 am

A moratorium on mortgages - or any other loan - consists, in short, of offering the client the possibility of deferring the mortgage payments for a period of time. In the case of the moratorium approved yesterday by the Government, that period will be one month
It is only for a Main Home
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Re: COVID 19 question

Postby marcliff » Fri Mar 20, 2020 9:27 am

Yes, as jpeg says:
The moratorium on mortgages due to the coronavirus is designed, as stated in the Royal Decree approved by the Executive, for debtors in situations of "vulnerability". Therefore, it will not be a universal moratorium, but for workers or self-employed who have a mortgage on their first home and are within certain economic and family parameters.

Second home owners (holiday homes) will not be eligible and is only for those who become unemployed due to the pandemic or are self employed and are unable to work because of the pandemic, neither of which will apply to non-residents.
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Re: COVID 19 question

Postby MatthewPople » Fri Mar 20, 2020 9:40 am

By next weekend,the 15 days will be up,will that be extended?
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Re: COVID 19 question

Postby jpeg » Fri Mar 20, 2020 9:51 am

I would be surprised if it is not
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Re: COVID 19 question

Postby Bee » Fri Mar 20, 2020 12:50 pm

Sorry for my misinformation. The Spanish moratorium is only for a month. Ibm was thinking of the Irish legislation. Now 1 month is just putting extra work and pressure on people who are already experiencing financial wipeout. Why not be more realistic and say 3 months and extend it to all loans and all types of mortgages and even rent for those caught up in this. To think that everyone will be back working in a month's time is to live in la la land. I would expect a lot more from a Socialist Government.



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Re: COVID 19 question

Postby Red Rock » Sat Mar 21, 2020 12:18 pm

MatthewPople wrote:By next weekend,the 15 days will be up,will that be extended?


The smart money says yes Matthew the question is for how long
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