The review of housing rental contractthe request for Social Security benefits, mainly for unemployment and incapacity for work, and issues related to banks were the three legal issues most consulted by Spaniards in 2022. This is clear from the Observatorio Jurídico de Legalitaswhich has analyzed 944,547 inquiries received by its lawyers last year.
Questions related to inheritances and wills and supplies (electricity, gas and telecommunications) complete the ranking of the five most common queries, especially since the entry into force of the so-called ‘gas cap’.
Consumption (23.19%), Real Estate (18.04%) and Labor (17.36%) were the subjects that brought together the greatest number of queries. He The rise in the energy market caused issues related to supplies to grow almost 20% compared to the previous year. Conciliation, teleworking, contracting supplies (gas, electricity, internet) or leasing the property are emerging as the main protagonists of 2023
By themes, Consumption (23.19%), which brings together banking, utilities, shops and leisure and tourism, generated the highest number of queries. Second, it stood Property (18.04%), which includes the rental, the sale of the home or the community of owners. And thirdly, Labor (17.36%) and questions about layoffs, hiring, reduced working hours or furloughs.
The rental of the house was the star query among the doubts about real estate
43.7% of the inquiries about real estate corresponded to the rental of housing. Those related to the lease extensions and the limitation to CPI increases in contracts decreed in March.
Las communities of owners they accounted for almost a third of the consultations (30.90%) on this matter. The return to normality after covid-19 raised doubts about holding meetings, voting, majorities, etc.
For this year, a high volume of inquiries about leasing is expected due to the extension of the limitation of the rent increase and due to the Housing Law, and those related to the aid granted for rent, such as the youth bonus, will continue.
Relations with banks and contracting of supplies, main doubts in Consumption
Almost one in four calls was related to this area. Of these, 41.15% were on banking issues such as claim for expenses for the constitution of mortgagesthe ‘revolving cards’ or the nullity of single payment insurance contracts linked to the mortgage, the so-called single premium insurance.
Las consultations related to supplies (gas, electricity and telecommunications) increased considerably and they represented almost a third of the category (29.04%), especially after the increase in the energy market that caused the so-called ‘gas cap’.
Inheritances and wills, main doubts in Civil matters
Inheritances and wills headed the ranking of queries in Civil for another year with 34.89% of the total, increasing doubts about the areception of inheritances for the benefit of inventory.
Unlike in 2021, separations and divorces grew considerably, positioning itself as the second most consulted category (29.65%). Questions about reductions or lack of updating of the alimony pension or executions of sentences in case of non-payment were maintained. Consultations on the celebration of marriages, matrimonial economic regime or matrimonial capitulations also increased.
Inquiries about capital gains drop, in tax, those of insurance linked to the mortgage grow
The Income statement, with 41.43% of inquiries in the Tax Office, was the main concern in this area, especially between April and June. Questions about the rest of the taxes grew to represent 32.5% of the total, while lQueries about capital gains dropped due to the approval of the ‘Municipal Capital Gain Law’.
Legálitas also highlights a significant increase (61.85%) in queries about cancellations and non-renewals of insurance policies compared to 2021. Queries about traffic accidents and hit-and-runs and about mortgage-related insurance increased; while those related to health or life insurance remained. Overall, home-related insurance, with 23.62%monopolized the largest volume of consultations, followed by accidents (18%) and cars (16.86%).
