The Government will foreseeably approve, in the last Council of Ministers of the year, a new threshold so that some 100,000 families with incomes of up to 37,800 euros per year can qualify for mortgage relief measures, from which so far not even 7,000 have benefited. homes.
Currently, these measures are reserved for those who have variable rate mortgages and incomes of up to 29,400 euros and until October the banks had received 55,000 requests from clients, of which only 12% had been approved.
The idea of the Executive is to introduce these changes to, in the words of the economic vice president, Nadia Calviño, offer a safety net and so that more families can opt for the freezing of their mortgage payment for 12 months, the extension of the repayment period of up to 7 years and, in cases of income below 25,200 euros, a grace period of 2 years.
It is also intended to maintain in 2024 the suspension of all early repayment commissions for mortgage loans from variable to fixed rates and conversions from variable to mixed rates are also included. Once the measures extended to 2024 are completed, a permanent ceiling of 0.05% will be established on the commissions applicable to changes from variable to fixed or mixed rate mortgages.
Ban fees for cash withdrawals
On the other hand, the Government has also decided to promote “before the end of the year” a legal change to prohibit banks from charging commissions for withdrawing cash at the window to those over 65 years of age or disabled people.
Although most entities no longer charge seniors for withdrawing cash at the counter, as Calviño herself acknowledged, the Executive believes that it is advisable to have legal protection to guarantee that no entity charges any senior or disabled person.
2023-12-25 10:12:46
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