[:en]One of the measures most applauded by the government in the current situation of uncertainty due to COVID-19 is the Mortgage moratorium, whether it is your habitual residence or an office or commercial premises. Deferring payment at a time when many citizens are finding it difficult to do so due to the ravages caused by the pandemic is key for many people. Now, do you know if you can benefit from this measure?
To be eligible for this aid, you must meet the following requirements: economic vulnerability requirements stipulated by the Royal Decree approved by the Government.
What are these requirements?
- Be in a situation of arrest In the context of COVID-19, if you are an employee or if you are an entrepreneur and you suffer a minimal fall of 40% in their income. In addition, after the Council of Ministers of March 31, 2020, the measure is extended to self-employed workers who cannot carry out any activity as a result of the state of alarm.
- That the income of the entire family unit The threshold is not higher than 1,613.52 euros in the month prior to the moratorium. This threshold is raised to 53.78 euros for each dependent child in families with two parents and 80.68 euros in single-parent families. The threshold will also rise to 53.78 euros for members of the family unit over 65 years of age. This threshold is also raised if any member has a disability greater than 33%, a situation of dependency or a permanent work incapacity.
- That the basic supplies added to the mortgage represent at least 35% of the family's net income.
- That the mortgage burden on family income has increased by at least 1.3 times.
What is the deadline to apply for this aid?
This aid can be requested until May 3rd at the bank that granted the mortgage.
To take into account…
While the moratorium period lasts, the banking entity No may apply the early termination clause.
For more information, you can consult this measure adopted by the Government here.[:ca]One of the most applauded measures by the Government in the current uncertain situation with COVID-19 is the Mortgage moratorium, ja followed your usual habitat or an office or commercial premises. Postponing the payment at a time when many citizens are facing difficulties due to the economic shocks derived from the pandemic is impossible for many people. Ara bé, do you know if you can agree to this measure?
In order to qualify for this adjustment, how to complete both economic vulnerability requirements stipulations in the Royal Decree approved by the Government.
Who are these requirements?
- Being in a situation ofatur In the context of COVID-19, if you are a professional worker or if you are an entrepreneur and pateixes minimum drop of 40% in the seus incomes. Furthermore, after the Council of Ministers of March 31, 2020, the measure is extensible to the self-employed who are not able to carry out any activities as a result of the alarm status.
- That they income in the whole family unit They do not continue to exceed 1,613.52 euros in the month prior to the moratorium. This limit is extended to 53.78 euros per child in two-parent families and 80.68 in single-parent families. The llindar will also bid 53.78 euros for members of the family unit older than 65 years. This also applies if any member has a disability greater than 33%, a dependency situation or a permanent work disability.
- That they basic supplies The sums to the mortgage represent at least 35% of the family's net income.
- That the mortgage charge on the family income s'hagi multiply by 1.3 with a minimum.
Who is the term for sol·biding this adjustment?
This adjustment is available for bidding ends on May 3rd to the bank entity that granted the mortgage.
To keep in mind…
During the moratòria period, the banking entity No may apply the anticipated maturity clause.
For more information, you can consult this measure adopted by the Government here.[:]