New Housing Plan 2026-2030: Increased Rental Support, Renovation Incentives, and Stronger Public Housing Protection The Spanish Government has approved the new 2026-2030 State Housing Plan, a strategic roadmap for the coming years aimed at addressing the housing affordability crisis. While its approval comes slightly later than originally planned, the final text incorporates key agreements with […]
41.3% of citizens cite it as the country’s main problem, although it drops 2.2 points after March’s record. The economy and employment close out the podium The April CIS Barometer confirms something that now seems like a constant: housing has been the number one problem for Spaniards for 17 consecutive months. This month, more than […]
The recent ruling by the Court of Justice of the European Union (CJEU) has upended the situation for multi-currency mortgages in Spain. This judicial decision strengthens consumer rights and opens the door for nearly 20,000 affected individuals to annul unfair clauses and recover their money. What happened with multi-currency mortgages in 2026? The European Court […]
The 12-month Euribor has remained at its lowest level since November, standing at a provisional average of 2.22%, which means a slight drop in variable mortgage payments. This scenario of stable interest rates, together with new government subsidies for home purchases coming in 2026, make this year a real opportunity for those who want to […]
Why it is more than advisable to have bank pre-approval before looking at houses, because the house hunting process can be confusing. There is a lot to learn about mortgages, paperwork and viewings, and I am going to tell you what the most important step is: getting bank pre-approval before you start looking at houses, […]
The Supreme Court has decided not to generally annul mortgages linked to the IRPH (Housing Loan Reference Index) on the grounds that they are abusive. Instead of a single solution, it has made it clear that it will be up to the courts, on a case-by-case basis, to determine whether or not a clause with […]
Every week, new data, surveys and reports confirm what we all already perceive in our daily lives: in Spain, accessing decent housing is becoming an impossible task. The housing crisis is no longer just an economic or real estate problem, but a social problem that threatens to fracture the foundations of our coexistence. The latest […]
The Spanish Supreme Court has taken an important step in the debate over the municipal capital gains tax (plusvalĂa municipal). In a ruling dated June 13, 2025, the Administrative Chamber established that taxpayers who, as of the Constitutional Court ruling 182/2021 (October 26, 2021), were still within the legal deadline to appeal in court, may […]
Since August 12th, a new regulation has come into effect that changes the rules of the game: from now on, a property cannot be appraised for a mortgage unless it has a valid Energy Efficiency Certificate (EEC). This means that if you are planning to buy with financing, sell your home, or refinance your mortgage, […]
The housing crisis in Spain is no longer just a concern. It’s an emergency. And the most alarming part isn’t that we’ve reached this point, but that those with the power to act remain frozen—trapped by ideology, bureaucracy, lack of political will, and, let’s be honest, incompetence and short-sightedness. Where is the government when it’s […]
