{"id":470862,"date":"2022-12-09T12:35:02","date_gmt":"2022-12-09T09:35:02","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=470862"},"modified":"2025-08-14T21:34:30","modified_gmt":"2025-08-14T18:34:30","slug":"spain-passed-a-law-to-support-low-income-families-paying-mortgages","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/fr\/articles\/news\/spain-passed-a-law-to-support-low-income-families-paying-mortgages","title":{"rendered":"En Espagne, la loi est entr\u00e9e en vigueur pour aider les familles \u00e0 payer des hypoth\u00e8ques"},"content":{"rendered":"<p>En Espagne, une loi sur le soutien aux familles qui paient <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">des hypoth\u00e8ques<\/a> est entr\u00e9e en vigueur, dont l&#39;objectif est de r\u00e9duire la charge hypoth\u00e9caire due \u00e0 l&#39;augmentation de l&#39;Euribor. Elle couvre plus d&#39;un million de familles rencontrant de graves difficult\u00e9s financi\u00e8res ou risquant de se trouver dans cette situation. Le paquet de mesures adopt\u00e9 est le r\u00e9sultat de n\u00e9gociations entre le gouvernement, les associations bancaires (AEB, CECA et UNACC) et la Banque d&#39;Espagne. Ces mesures devraient fonctionner de trois mani\u00e8res : am\u00e9liorer la situation des familles les plus vuln\u00e9rables, ouvrir un cadre d&#39;action temporaire pour les familles risquant de payer des cr\u00e9dits immobiliers, et faciliter le processus de remboursement anticip\u00e9 des pr\u00eats et leur passage \u00e0 des taux fixes. Pour pouvoir compter sur une assistance maximale, deux conditions principales doivent \u00eatre remplies. Premi\u00e8rement, la taille du revenu annuel du m\u00e9nage ne peut pas d\u00e9passer 25 200 euros &#8211; soit trois IPREM, et deuxi\u00e8mement, plus de 50 % de celui-ci doit servir \u00e0 payer l&#39;hypoth\u00e8que. Selon les estimations du gouvernement, il existe environ 300 000 m\u00e9nages de ce type en Espagne. Si les co\u00fbts hypoth\u00e9caires ont augment\u00e9 de plus de 50\u00a0%, les m\u00e9nages pourront restructurer le pr\u00eat avec un taux d&#39;int\u00e9r\u00eat inf\u00e9rieur dans un d\u00e9lai de gr\u00e2ce de cinq ans (de l&#39;Euribor actuel de 0,25\u00a0% \u00e0 -0,10\u00a0%). Le d\u00e9lai pour demander un report de paiement sera port\u00e9 \u00e0 deux ans et, si n\u00e9cessaire, la possibilit\u00e9 d&#39;une restructuration sera pr\u00e9vue. Elle fixe \u00e9galement un nouveau d\u00e9lai de demande de location en cas de saisie de la r\u00e9sidence principale. \u00c0 son tour, lorsque l&#39;augmentation des co\u00fbts hypoth\u00e9caires est inf\u00e9rieure \u00e0 50%, il sera possible de choisir un d\u00e9lai de gr\u00e2ce de deux ans, un taux d&#39;int\u00e9r\u00eat plus bas pendant cette p\u00e9riode et une extension \u00e0 sept ans. En ce qui concerne les familles qui ne rencontrent pas encore de probl\u00e8mes critiques avec les versements hypoth\u00e9caires, mais qui en sont presque \u00e0 un pas, davantage d&#39;exigences sont fix\u00e9es. En particulier, leurs revenus annuels ne peuvent exc\u00e9der 29 400 euros, dont 30 % doivent servir \u00e0 payer un cr\u00e9dit immobilier qui a augment\u00e9 d&#39;au moins 20 %, et un contrat de pr\u00eat hypoth\u00e9caire doit \u00eatre conclu avant le 31 d\u00e9cembre 2022. Il est pr\u00e9vu qu&#39;\u00e0 la suite de l&#39;application de ces mesures, les paiements sur les pr\u00eats seront r\u00e9duits d&#39;environ 30 \u00e0 45 %, en fonction du montant, de la taille et du type de taux d&#39;int\u00e9r\u00eat, de la dur\u00e9e de l&#39;accord et d&#39;un certain nombre d&#39;autres conditions. . Dans tous les cas ci-dessus, les institutions financi\u00e8res doivent offrir la possibilit\u00e9 de geler les paiements pendant 12 mois, un taux d&#39;int\u00e9r\u00eat inf\u00e9rieur sur le principal diff\u00e9r\u00e9 \u00e9galement pendant 12 mois et de prolonger la dur\u00e9e du pr\u00eat \u00e0 7 ans. De plus, les frais de remboursement anticip\u00e9 seront supprim\u00e9s tout au long de 2023, et il n&#39;y aura aucun frais pour passer d&#39;un pr\u00eat hypoth\u00e9caire \u00e0 taux variable \u00e0 un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe. Lors du transfert de cr\u00e9dit \u00e0 un tiers &#8211; par exemple, un fonds d&#39;investissement, les banques devront garantir que toutes les mesures existantes sont maintenues et maintenues.<\/p>","protected":false},"excerpt":{"rendered":"<p>En Espagne, une loi sur le soutien aux familles\u2026<\/p>\n","protected":false},"author":19,"featured_media":470865,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[957,15],"tags":[],"class_list":["post-470862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-in-spain","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0412 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0437\u0430\u043a\u043e\u043d \u043e \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0435 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