The Euribor has experienced an unstoppable rise since January 2022, reaching a rate of 3.647% in March 2023. This rise exceeds previous rises, which represents a burden for variable-rate mortgagors. Since its creation, the Euribor has undergone three periods of rises, the current one being the highest. It is difficult to make forecasts about the […]
Con todo lo que se está hablando sobre la nueva ley aprobada hoy, y resulta que este gobierno, pasa por alto el informe preceptivo del Consejo General del Poder Judicial, en el que se subrayan las competencias autonómicas en materia de vivienda.
Opening Fee on Mortgage Loans: Analysis of the CJEU Ruling of March 2023 The origination fee for mortgage loans has been the subject of numerous judgments handed down by the Courts of Justice in recent years. However, different interpretations gave rise to an oscillating jurisprudence, which led to several preliminary rulings being referred to the […]
Fixed, mixed or variable mortgage: Which is the best option for you? Choosing the right mortgage to buy a house is an important decision. In this article, we will help you choose the best option by comparing between the different types of mortgages: fixed, variable and mixed, so you can see which of all of […]
A few days ago a client asked me the following question: I am going to buy a house that is 50 years old and in a regular state, with the purpose of reforming it. The value of the property on the market is lower than the cadastral reference value, for what value do I have […]
The government and the banking sector have reached an agreement on the measures to be adopted to alleviate the mortgage burden of more than one million vulnerable families or those at risk of vulnerability due to the rise in the Euribor, while preserving financial stability, according to the Ministry of Economic Affairs and Digital Transformation. […]
The Euribor, the indicator to which most variable mortgages in Spain are referenced, will close October with the highest monthly average since December 2008, standing at 2.626%. This increase is the tenth consecutive month and is due, among other things, to the new interest rate hikes by the European Central Bank (ECB), which took the […]
From today, Friday, 3rd September 2021, Article 28 of the Mortgage Law, by which the non-forced heirs (siblings, cousins, nephews, …) could not sell the properties without waiting two years, in case another heir appeared, which has always been considered very unfair, due to the costs that inheritances already have. On 3 June 2021, Law […]
The 12-month Euribor ends August with a new decline. Specifically, it recorded a monthly average of -0.498%. This is the third lowest figure in the historical series, only surpassed by January and February of this year, and will reduce thousands of mortgage repayments. From this autumn, mortgages awaiting the annual review of mortgage loans for […]
Amortising the installation of solar panels is now a reality, the use of this renewable energy is no longer an exorbitant expense. The initial investment is now easier to recover. 1. Why are solar panels profitable? Solar panels are also cost-effective for single-family homes and condominiums. There are two reasons for this. On the one […]
