Requisites for the postponement of the mortgage for two years
The government has already approved between his measured anticrises the postponement of the payment of half of the quotas of the mortgage (with a 500€ limit) for three years for stopped with familiar charges. The state will move forward across the ICO this money to the entities that want to collaborate with this measurement.
Let's see in detail what are the requisites to be able to gain access to this measurement:
- To have the mortgage signed before September 1, 2008.
- To be a worker for foreign account and to be unemployed or to lose the work before January 1, 2010.
- To be autonomous that has stopped his work or that credits losses that reduce his benefit up to three times the Public Indicator of Effects of Multiple Revenue (IPREM), which is in 516 euros.
- To be a 'widowhood pensioner with familiar charges.
- The mortgage you cannot overcome 170.000 euros.
- The loan has to be for habitual housing or the first housing.
- The maximum limit that will be left of paying will be 500 euros a month.
- The loan will be left of paying from January 1, 2009 and the moratorium will be possible for 24 months, until December, 2010.
- From March, 2012 it will have to begin to pay the quantity that has been postponed, by means of a proportional distribution distributed between monthly salaries, in a maximum period of 15 years.
To remember also another important measurement approved by the government: the moratorium of two years in the execution of the Account Housing. The term to buy the housing is extended in two years, happening from four to six years, although the tax benefits are not applied on this extension of two years.
In this linkage to the page of the ICO it is quite explained. And here there is the list updated of all the entities that already have agreement with the ICO to realize the postponements.
Update: On February 6, 2009, with the new period approved by the government.
at 3:09 pm
I would like to know that it would happen if after aderirme to this government plan it was finding work at the age of two or three months. Would the postponement be annulled?
Thanks to whom does it correspond
at 9:32 pm
I have my hispoteca with a financier and I at present am of fall and with the fall it is impossible to face to the payments in addition to being separated to me I can take refuge in the help and where I have to go. Thank you I wait not ticias of you.
at 11:18 am
hello I would like to know if there is some put problem q I am already slowed down by the letters q have no work 4 months ago q raisin and if meeting I work q I would happen
at 2:44 pm
HELLO, MY QUESTION IS THAT APROVANDO HAS ALREADY SIGNED BANKS AND BOXES THE MEASUREMENT THAT THE GOVERNMENT HAS PUT TO BE ABLE POSTPONES THE PAYMENT OF THE MORTGAGE. “THE CAIXA” I KNOW THAT IT ALREADY DOES THEM, BUT IN MY CONCRETE CASE THAT I HAVE IT IN “CAIXA PENEDÉS” THEY SAY TO ME THAT THEY STILL HAVE NOT SIGNED ANYTHING. THANK YOU!
at 8:22 pm
Lourdes, these are at the moment the banks or boxes that have agreement with the ICO to realize the postponement of the mortgage and yours appears:
BANKING MARCH
BANKING PUEYO
BANK CAIXA GERAL
SPANISH COOPERATIVE BANK
BANK OF SABADELL
BANK OF VALENCIA
GALICIAN BANK
BANK OF GUIPÚZCOA
BANK SHEPHERD
SPANISH POPULAR BANK
BANK SANTANDER
BANKOA
BBK
BBVA
CAIXA CATALUNYA
CAIXA OF AFORROS OF VIGO, OURENSE AND PONTEVEDRA-CAIXANOVA
CAIXA REGIONAL D'ESTALVIS OF MANLLEU
CAIXA D'ESTALVIS OF MANRESA
CAIXA D'ESTALVIS OF SABADELL
CAIXA D'ESTALVIS OF TARRAGONA
CAIXA D'ESTALVIS OF THE PENEDES
CAIXA D'ESTALVIS LAIETANA
CAIXA GIRONA
RURAL CAIXA TORRENT, COOP.VALENCIANAS
CAIXATERRASA
BOX OF AH. OF SANTANDER AND CANTABRIA
BOX OF AH. OF VALENCIA, CASTELLON AND ALICANTE, BANCAJA
BOX OF AH. AND M.P. OF GIPUZKOA AND SAN SEBASTIAN - KUTXA
BOX OF AH. AND M.P. OF THE BALEARICS, BOX OF BALEARICS “SA NOSTRA”
BOX OF AH. AND PENSIONS OF BARCELONA - THE CAIXA
BOX OF AH.DE GALICIA-CAIXA GALLICIA
SAVINGS BANK OF LA RIOJA
SAVINGS BANK OF MURCIA
SAVINGS BANK OF ONTINYENT
SAVINGS BANK OF VITORIA AND VITAL ALAVA-CAJA KUTXA
IMMACULATE SAVINGS BANK
BOX OF AVILA
BOX SPAIN OF INVESTMENTS
GENERAL BOX OF SAVINGS OF CANARIES
SELECT BOX
INSULAR BOX OF AH. OF CANARIES
LABOR BOX
ARAGONESE LAND-BANK AND OF THE PYRENEES - MULTIBOX
CENTRAL LAND-BANK, SCC.
LAND-BANK OF ARAGON, SCC.
LAND-BANK OF ASTURIAS
LAND-BANK OF BURGOS
LAND-BANK OF CANARIES
LAND-BANK OF CIUDAD REAL, SCC.
LAND-BANK OF EXTREMADURA
LAND-BANK OF GRANADA, SCC.
LAND-BANK OF JAEN, BARCELONA AND MADRID, SCC.
LAND-BANK OF NAVARRE, SCC.
LAND-BANK OF SORIA
LAND-BANK OF TERUEL, SCC.
LAND-BANK OF ZAMORA, COOP.DE CREDIT
LAND-BANK OF THE SOUTH, SCC.
CAJAMADRID
CAJAMAR CAJARURAL, SCC.
CAJANAVARRA
CAJASIETE, LAND-BANK, SCC.
CAJASOL
CAJASUR
IBERCAJA
IPAR RURAL KUTXA, SCC.
UNICAJA
at 10:59 pm
Hello is the bank in which I have my mortgage cajasol so much I like my husband we are unemployed my question is me pus adquerir to the help when for several months I could not have paid completes the letter, that is to say I have backward quantities including those of the credit card, but have I ever stopped depositing not the finished total peri if what I have been able because but my 8-year-old daughter does not eat, as I do? I am grateful for his answer
at 5:10 pm
Helen, I believe that if, but you will have to go to your bank and consult it to see that they tell you.
at 4:55 pm
HELLO I AM CALLED A STAR AND HAVE M HPOTECA IN CAJASUR, KERIA SABR IF AUNKE MY BANK DOES NOT APPEAR IN THE LIST I ALSO MIGHT DO THE POSTPONEMENT, ESTY MUCH BE OF INTEREST I WAIT FOR ANSWER, THANK YOU.
at 9:56 pm
It covers with stars, I have just updated the list above and Cajasur is already included.
at 7:14 pm
Hello. my question is if I can make that thing about postpone the mortgage at home only they bring in the income of my husband, it gains 1.200 and and we pay 930 and of mortgage
and it does not come to us because between cas and car loan us goes away everything. thank you
at 6:48 pm
hello very good ….yo estube interested by this topic since at present I am stopped … and with the little that I receive of unemployment ba quite in the mortgage … me fuy last week to the bank and did they say to me that this of the postponement is a seguo that is done to the workpeople for in case you remain idle. but that as I was already unemployed. could not request this insurance. that had to find a work. to hire the insurance. and if later I should remain in the unemployment. I might postpone the mortgage … this is true??. I would be grateful I was answering myself that someone. is not that I did not rely on my bank. but everything sounds more believable when more than one person tells you the same version.
at 10:07 am
I would like to rise a question to you. if my mortgage overcomes the 170. 000 someone knows if they might realize the postponement to us, and in any case where we should dirijirnos to initiate the step.
Thank you very much
at 1:43 pm
again putting the paw, this s another equal extra drop q the plan memta, with these averages this one will take to the country to the ruin more than q.
at 4:30 pm
It saves: that do not tell you stories, read well the requisites, if already this in unemployment you can request it.
Mevava: you have to go to your bank to initiate the steps, he verifies that it is in the list of banks and boxes that collaborate with the ICO, but your mortgage breaks one of the requisites, of not overcoming the 170.000€.
at 5:58 pm
Thank you very much for the information
at 9:56 pm
our this mortgage in santander savings bank and cantabria from May, 2007 we have signed I my wife and my daughter as holders. the mortgage at present this for 173.000 €. in June, 2008 we are slow in the first quota, I wither, 2008 the second one and now this February, 2009 the third one. the motive of the gradual delay was why my wife and holder fell ill, received the fall and could not work again, my daughter and holder remained unemployed and without unemployment for his ancient company, at present he is receiving the unemployment and unemployed, the only one that is working it is me who is receiving 1.080,00 €, with the obligation of the mortgage of 895,00 €. (all these facts are verifiable).
in dialogues with the bank looking for a possible solution the only answer that I have received has been that they cannot refinance me, nor postpone the only thing that they say to me is that normalize the mortgage and the quota of 895 € keeps on paying until May, 2009 that I am 2 years and this one goes down to approximately to 700 € as the euribor. otherwise what it continues is the sequestration. due to the economic situation I cannot fulfill the above mentioned requirements.
what can I face this situation?
is it true that they cannot refinance me or postpone?
to what entity or person can I come in search of help and orientation?
I am grateful for his attention and wait with longing for his answer and help
at 11:12 am
Hello gentlemen / experts, I am a 25-year-old boy, in unemployment from altar 3 months, paying a megamortgage of 1100 € (it raised me in November, 2008) for 190.000 mortgage €, to the biggest being of 170.000 € since they do not help me in anything, I have no right to unemployment and receive a familiar help of 400 € for having a 4-year-old daughter and above I am single (paying 300 maintenance €).
These helps are very well but I believe that not an thought about that his mortgages to 100 % of his entire value are paying a drove of donkeys, ami my bank Cajasol me to saying that the best thing is that he pays, but since I can only lose everything … after selling my car, going in bike to look for work, eat at my parents. luck to tod@s
at 3:18 pm
Hello, am I with Banesto, there I have my mortgage I am unemployed from December 2, 2008, I asked for a postponement and these masters of Banesto say to me that there is no problem but while we arrange it you see paying, I do not have not for pips, every month the same and now they say to me that only they postpone it to me for 4 months but I have to pay 3 quotas that I owe more a change of bony mortgage to pay to the notary 700 euros and while they it arrange to keep on paying the quotas that I owe and those that come while they arrange it, bony that what the government says is true or not? Thank you
at 6:46 pm
hello
I am called a rosary
I am with box castilla the spot, there I have my mortgage and I would like requesting 24 mortgage months of moratorium but box castilla the spot says to me that they have not signed the convenio.pero yet I have listened for the television that my box castilla the spot has a series of problemas.me he would like to know in that I might fall ill to be able to request the help that the government has given, since I obtain all the requisites necesarios.ya that the box has communicated it to me.
but as they only say to me that they have not signed the agreement with ICO yet, I cannot request the help since I need it because I am in the unemployment, and this would be my solution. I would like knowing that it is what I can do.
at 10:02 am
Good morning to all.
This, like all the measurements of the government, simply is “a LIE“. I, like many people, also am unemployed. Yesterday I called to my bank, Box Spain and the director of confirmó, that the Government is announcing it with a great fanfare, but Box Spain (included in the Web of the ICO as collaborator for this need), he has not signed ANYTHING with the ICO for the time being and does not have agreement on this plan.
With which, what we see, is that this remains very nice in the TV and in the radio, but IT DOES NOT EXIST.
Of shame!!!
at 11:24 pm
I would like to know because this moratorium is alone for stopped with familiar charges, to case an idle one that does not have familiar charges that are seen avocado to spend miseries spending month after month if have a revenue not even five-peseta coin for the service to end and without help, having as well as have his family hung, since when work contracted loan to which now it cannot face and therefore depend on the parents. family simultaneously guarantor and now have to face to these debts bearing in mind the crisi in which also they are immersed. The constitution says not to the descriminación for diverse reasons, but in this case everything stopped between a band of age and charges has no right to anything, only to moriirse in a corner or that anybody feels sorry of and that easily it helps him, misters politicians in this group discriminated in which we are great young people, bear it in mind segimos having right to vote
at 4:15 pm
I believe that they have not also thought that not all the credits are lower than 170.000 euros and that not the whole world as the happy crisis they can have all the payments a day (mortgages, we are big enough, cards etc …). What spends that these persons have not right to request it?. It is shameful.
at 12:56 pm
Here I leave to you a note that the ICO publishes on his page:
“At present, ICO and the Credit companies that have sent the adherence request to this financing line, are proceeding with the writing and signing of the contract of financing in which there will join the modifications and progress approved by the Government last February 6”.
I suppose that it will be for the entities that they appear already in the list but they are still proceeding with the agreement.
at 6:59 pm
hello I have my mortgage with basin land-bank, it does not see in the list, but other land-banks, if, that matters.
I am retired and the mortgage raised me very much, if I pay the mortgage I owe others sew, or I do not have to eat, soo he wanted that they were postponing it to me 6 months it is possible to do a greeting thank you
at 11:30 am
good am I conchi and my question there are two 1st if the apartment is v.p.o I can do that thing about the postponement?
2ºsi is not my bank in the list, I can change entity with the only purpose of postponing my mortgage?
at 1:15 pm
HELLO I HAVE A MORTGAGE FOR 128 THOUSAND EUROS AND WITH MY HUSBAND ADDRESSED TO THE TWO AND PAYMENT OF MORTGAGE 680 EUROS, I AM WITHOUT WORK BUT THE INCOME OF MY HUSBAND IS 1000 EUROS A MONTH AND I HAVE TWO BACKWARD LETTERS OF PAYING, THE BANK HAS SAID TO ME THAT I CANNOT TAKE REFUGE IN THE HELP OF THE GOVERNMENT I DO NOT UNDERSTAND IT BECAUSE AND I AM SPENDING IT VERY BADLY BECAUSE WE DO NOT HAVE HOW TO GO OUT FORWARD
at 8:05 pm
I am a little indignant; because although the measurement is good for all that person that they need it, it seems that to the banks they do not do to him demasado thank you putting it into practice. They prefer to charge for delay since they win more.
My daughter has a mortgage of the one that has been pogando quite the months 600euros, it is unemployed and with the help of the family he is paying every month; but more interses always receive for delay 30 euros from him for days of delays. Today I have gone over to the bank with her and they have started with the snags. She has two children and she is a single mother. Is Aquien going to attend to the banks?
at 6:06 pm
All the comments refer to the same, you present yourself in critical situation and queriendo to solve a problem, that of his mortgage.
They do not realize that this problem has no solution, because the deferred payment of our mortgage does not exist.
The porqué the Gopbierno has not declared himself, although it is informed about the situation that atravezamos.
The politicians it has no mortgages, they live like kings, gain marvelous wages and to the village that they give him for sack.
From now on for that nobody votes for anybody, that all the politicians are of the color that there are that they are going to work just as we.
I refer to us the idle ones and not stopped.
When they see a politician, ignore it. Living Spain and a guevo pa trres.
at 7:37 pm
This evening I have just read a press release that has gone out in the ICO. He says that he is to emphasize that there have already been formalized the first operations of postponement of mortgage of the line of mortgage moratorium with 56 families to the value of 460.000 euros that came into force on March 1. I call the ICO this one late and ask him if they can say to me that Banks or Boxes have formalized these operations and say to me that they cannot say it to me: Will it be all this true?.
at 1:12 pm
I signed the request for the mortgage moratorium on February 4 after many returns and snags. In January and February I paid 100 % of the quota and they said to me that for March 50 % already would pay today 20 but the case is that they have turned me to load 100 %. The director of the office says to me that for almost sure April that yes will limit it to me to 50 % but who while the insurance policy is not signed does not know. I would like knowing if they are going to reduce it to me ó not for April because if the mortgage would not change to me to another place where they do it to me, but nobody says anything to me. The banks do his personal evaluation of: this one can still pay, and they delay the presentation of the request to you and blame the ICO.
at 9:20 pm
hello do I have a 165000€ mortgage, my fiancé is unemployed without charging and I of fall laboral.solicite the postponement with bancaja and the time maximum q they give it is 6 meses.ademas according to them we do not fulfill the requisites xq I have a contract of discontinuous favorite in my empresa.ahora m they have hechado and until October I do not enter, meanwhile q do I do?? how do I pay?? m as the snots or q?
at 12:33 pm
Hello. I have my mortgage in Cajasur, which from February is adherent to the line ICO Moratorium. We are almost in May and the answers that I receive on the part of the entity are not different that: "we are waiting for a circular letter, we are updating the system …”, and this way the days happen. Does anybody know where can we come so that they give us a solution? Does anybody know clients of Cajasur who should have granted it to themselves? It is a shame that they are laughing at us I cheer you up on having formed an association or something for the style to try to stop this. If I run out of the welfare: is it possible to request the moratorium with the help?
at 9:41 am
hello, my case is that I am with unicaja and I was it will do two days and they said to me that they do not do that even, secondly they have said to me that there will be approximately 600 euros of trmites of notary's office to be weighed that I am stopped them much … … …. they are still equal. also I want it clarifies that I extracted my mortgage for 60000 euros which my mother endorsed me with his house, but in the primer it appears as starter she and I like guarantor even that I am the only one that pays the mortgage why it is my responsavilidad, in unicaja they say to me that to throw it earlier mentioned, my mother has to bring sos contracts of employment and the acienda declaration. might anybody clear up, that it plays unicaja with migo? THANK YOU
at 10:24 am
pardon for putting double post, but I have been reading the messages and the truth esque look like some cheated and forgotten by our banks or boxes, parecementira that this has to spend, my case l already mentions what I did not put the fact is that I have a child of 2 year and if I stop paying they take the house from my mother, k a house that she I already pay will make years with the pension that it has and that duplicates the value of the mortgage that it requests, there gives me courage the powerlessness that I have of quere and not to be able, it is necessary to do something but not that to say, or that to propose, Joaquin mentions to do an association, nose if it is a bad or good idea since the banks laugh at all of us, and it does not matter to them, I already would like meeting ami the one that says yes or not in the postponement topic, that I him was going to daer if and not in another thing ….
at 10:28 am
unicaja 600 wants to receive for trmites of notary's office for that thing about the postponement from me, why a cabr ….se confused at the time of doing the mortgage contract, and put my holder's mother and to me of abalista to sorrow that the house to which this abalada is that of my mother, and which I am the one that is paying the mortgage, and according to UNICAJA they do not make today even the apazamiento that thing about although they are in the list of ICO, which I can do … …