! God take confessed!. Really, reading newspapers, listening to the radio and television viewing seriously damage health. ! In the hands of politicians what we are!. Crisis, rampant unemployment, public deficit, collapse of our productive capacity and industrial consumption dry break ..... and the solutions have been first to inject liquidity into the stronger (the Bank) which, in turn, by their attitude of lending without control risk, have been one of the causes of the situation in which we live, where liquidity is not going to those who need it most, small and medium enterprises, self-employed and families - and, second, relying on public works as solution to all ills 8,000 million euros given to local councils to "work" that I doubt generate employment both our President of Government promises.
As I was saying. 1975/2.008 Royal Decree of 28 November (BOE of December 2) set in force January 1, 2009 in Chapter II (Articles 3 to 7) a measure that seemed to help relieve the situation for thousands people with mortgage and found by job loss or closure of business, trade or business in real dramatic situations. Initially I have to admit that the intention of the executive seemed reasonable and social nature, but almost no application has wiped out almost all the hopes of many English families. This DR establishes
from 1 January this year the possibility to ask the creditor financial institution's mortgage on the residence which is in debt, a moratorium on payment of the meeting provided a number of requirements to pass to list below:
- the mortgage loan must have been entered into before September 1 of 2,008, the amount must be less than 170,000 euros and not found in arrears.
- the moratorium is to defer payment of up to 50 percent of monthly mortgage loan that accrues from 1 January 2009 to 31 December 2010, with a ceiling of 500 euros per month . If there are multiple obligors in a given loan, the limit of 50 percent of the monthly mortgage payment and $ 500 can not be overcome, although more than one of them met the requirements to be entitled to the moratorium. The amounts subject to the moratorium would be offset from 1 January 2011 through its assessment between the monthly installments remaining to the satisfaction of the loan to a maximum of 10 years, paying an interest rate of ICO more 0, 8
- Who can accept this as a moratorium?:
1 º) Workers employed in legal unemployment and be in this situation, at least during the 3 months immediately preceding the application, and be entitled to unemployment benefits, contributory or non-contributory. This is credited by certificate issued by the Public Employment Service.
2 º) self-employed workers who have been forced to stop in economic activity, remained in that position for a minimum period of 3 months, which would be credited by a certificate issued by the Tax Agency on the basis of the declaration of cessation of activity declared by the applicant.
3 º) own-account workers demonstrating gross income of less than three times the monthly indicator of the Public Multiple Effect Income (IPREM) for at least 3 months. This is credited by certificate signed declaration made by the worker to the AEAT
4 º) Those persons receiving widow's pension on death a concerted see the mortgage loan and in any case, dated after September 1, 2008. This situation would be credited by the relevant certificate issued by the Social Security agency.
The false declarations and statements referred to determine the loss of the rights of the mortgagor arising from the above.
The executive felt that this measure will be channeled through the agreement signed between the Instituto de Credito Oficial (ICO) and the financial and credit institutions that want to adhere to them. Unfortunately, banks and savings banks are showing little solidarity in times of crisis and there are few entities that have signed This measure promoted by the Government, leaving it for now almost a mere smoke.
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