Why is it easier now than ever? Different circumstances related to abusive clauses in Spanish Mortgage contracts and the revision of these by European Law, has created a never seen …
Oppose the bank if you are sued for non-payment of your mortgage Read More
I volunteered as a guarantor of my son’s mortgage loan (I am an avalista) and want to see if I can get rid of that burden. Can I stop being …
Free yourself from your burden as a guarantor in Spain Read More
If they are then there is evidence to suggest that you should oppose it. As a matter of fact many mortgage enforcement proceedings are paralysed in Spain at the moment …
Are Bankia and Banco Sabadell about to sell your mortgage? Read More
The recent Supreme Court Sentence dated 26 November 2018, deals with the validity of the novation of a mortgage loan in which the parties modified the agreed currency, replacing the euro …
Possible nullity of multi-currency clause in a mortgage loan Read More
Do not pay delay/penalty interest more than 2% above the agreed interest rate of the loan or mortgage If the penalty interest for payment delay of your loan (personal or …
Penalty interest for delay in mortgage or loan payments Read More
Is it possible to obtain a judicial declaration of nullity of foreclosure proceedings when the request for payment to the defendant (mortgagor) has not been made with all the guarantees …
Possibility of judicial declaration of nullity of foreclosure proceedings Read More
The Spanish Government has just passed a Decree by which mortgage lenders, rather than borrowers, will from November 12th, pay the Stamp Duty tax charged for the opening of the …
Spanish Government announces law changes to force banks to pay mortgage tax Read More
Very recently, on 15 June 2018, the Supreme Court issued a new ruling on a case relating to mortgage deeds novation modifying the floor clause through an agreement between the …
Are agreements between the Bank and Consumer on Floor Clauses valid? Read More
The European Commission, in its observations to the Court of Justice of the European Union (CJEU), has positioned itself in favour of people affected by the mortgage index, IRPH, which …
European Union Commission on the IRPH clause in Mortgage Loans Read More
