This banks to reject reopen the plan help with the mortgage with payment problems they agreed with last November State after weeks of complex negotiations. “Fulfillment of the agreement is essential, questioningc did not putchanges that create uncertainty or affecting expectations payment culture“, defended the chairman of the banking employers association AEB this Monday, Alejandra KindlanHe specifically claimed not to create ambiguity by talking about it. change conditions and thresholds“.
In the industry for weeks. a little fear Given the possibility that the executive might want to renegotiate the deal in an election year and housing is at the center of the political agenda. After a meeting between Vice President Nadia Calviño and bank employers in early March, the Ministry of Economy said in a statement that “in June will be one Evaluation of the Code of Good Practice mortgage assistance possible improvements and especially, control thresholds (economic conditions of the beneficiaries)”. United We Can, for its part, a few days ago, commission removal due to the transition from variable to fixed mortgage agreed for this year.
After signing the agreement, the Government calculated that the plan could benefit more than one person. million families. Although this is an estimate, potential impact maximum and not the most realistic and predictable, the initial numbers of adherence to the plan were high. below expectations created (15,000 information requests and 9,000 requests). Kindelán asked for patience in this sense: he recalled that mortgages are normally reviewed once a year “with a large group of borrowers.” i haven’t noticed yet increase in reference rates on loans”, guilt follow levels minimum“.
june coming soon
The agreement was signed at a time when we were there. anticipate a problem. The effect of interest rate hikes on installments will be seen gradually throughout the year. June can still appear we can consider soon The data will probably still be a starting moment, we’ll be halfway through,” argued the employer leader. lower expectations About possible changes to the code at the next official meeting to watch with Vice President Calviño.
So Kindelán remembered that it was a result of the November pact. “intensive” negotiation Approved by the government and by Congress no votes against. “What we get with this deal is a balance. while giving answer to families liquidity problems and on the other hand we protect the mortgage portfolioThis is very important for our country because more than 75% of families in Spain own a home. In addition, measures that could lead to a crisis in the medium term were avoided. exclusion of certain groups “Because the provisions and late payment arrangements that the industry has today are demanding, and we cannot risk this portfolio and payment culture.”
The head of the employers’ association of traditional banks likewise called for greater cooperation from the town halls to implement the plan to bring financial services to neglected municipalities, “by “providing”, for example. spaces and links For the installation of the ATM,” he said. “to cover all sectors” like those of security companies that protect telecommunications and money. He also revealed that the AEB is already working with CECA (former savings banks employer) and Redsys. installation of private label ATMs.