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 […]
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. […]
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 […]
The government has decided to extend the package of social measures it has already decreed in the midst of the coronavirus scare. These include extending the deadlines for applying for a moratorium on the payment of mortgages and rent to large landowners until the end of September. In addition, rental contracts that have expired during […]
Mortgages have once again become the star product of banks. With a property market in full growth, and a climate of pseudo euphoria, the financial sector has wanted to bring the water to their mill and improve their offers. Since 2011, in the midst of the crisis, the new owners who needed mortgages, given the […]
The government is preparing a new Mortgage Credit Law, and plans to transfer to the entities all the notary and registration expenses necessary to sign a mortgage, as well as those related to appraisal expenses. Something that without being legislated as such, if it is true that the courts were responsible for returning to customers […]
