{"id":159061,"date":"2020-03-31T16:00:26","date_gmt":"2020-03-31T13:00:26","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=159061"},"modified":"2025-08-14T20:04:44","modified_gmt":"2025-08-14T17:04:44","slug":"rental-spain-crisis","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/news\/rental-spain-crisis","title":{"rendered":"Hiszpania zatwierdzi \u015brodki wsparcia najemc\u00f3w podczas kryzysu zwi\u0105zanego z koronawirusem"},"content":{"rendered":"

Dzi\u015b rz\u0105d Hiszpanii zatwierdzi szereg dzia\u0142a\u0144 maj\u0105cych na celu \u201eratowanie\u201d najemc\u00f3w, kt\u00f3rzy znajduj\u0105 si\u0119 w trudnej sytuacji finansowej z powodu kryzysu wywo\u0142anego koronawirusem. Przypomnijmy, \u017ce wcze\u015bniej dyskutowano o mo\u017cliwo\u015bci zwolnienia lokator\u00f3w z czynszu na dwa miesi\u0105ce z p\u00f3\u017aniejsz\u0105 rekompensat\u0105 dla wynajmuj\u0105cego za utracon\u0105 kwot\u0119, ale w ko\u0144cu znaleziono inne rozwi\u0105zanie – zapewni\u0107 lokatorom dost\u0119p do kredytu bez odsetek i prowizji<\/a> , aby mogli p\u0142aci\u0107 czynsz. Na li\u015bcie \u015brodk\u00f3w znalaz\u0142o si\u0119 r\u00f3wnie\u017c obowi\u0105zkowe przed\u0142u\u017cenie najmu o p\u00f3\u0142 roku, ko\u0144cz\u0105ce si\u0119 w okresie kwarantanny, oraz zakaz eksmisji, kt\u00f3ry b\u0119dzie obowi\u0105zywa\u0142 do ko\u0144ca 2020 roku. Ten ostatni \u015brodek dotyczy najemc\u00f3w, kt\u00f3rzy nie maj\u0105 alternatywy dla mieszka\u0144 wynajmowanych i znajduj\u0105 si\u0119 w trudnej sytuacji finansowej. W przypadku systemu nieoprocentowanych po\u017cyczek dla lokator\u00f3w okres sp\u0142aty po\u017cyczki wyniesie 6 lat, jednak je\u017celi w tym czasie po\u017cyczkobiorca nie sp\u0142aci zad\u0142u\u017cenia, istnieje mo\u017cliwo\u015b\u0107 wyd\u0142u\u017cenia tego okresu o kolejne 4 lata. W przypadku, gdy najemca b\u0119dzie mia\u0142 trudno\u015bci ze sp\u0142at\u0105 nieoprocentowanego kredytu, zostanie mu zapewniona pomoc finansowa w wysoko\u015bci maksymalnie 900 euro miesi\u0119cznie + maksymalnie 200 euro na rachunki za media i inne podstawowe koszty<\/a> zwi\u0105zane z mieszkania. Z systemu po\u017cyczek nieoprocentowanych b\u0119d\u0105 mogli skorzysta\u0107 ci, kt\u00f3rzy stracili prac\u0119 w wyniku kryzysu koronawirusowego, a tak\u017ce ci, kt\u00f3rych umowy o prac\u0119 zosta\u0142y zawieszone lub ci\u0119te w ramach programu ERTE<\/a> . Ponadto z tego rodzaju pomocy b\u0119d\u0105 mogli skorzysta\u0107 tak\u017ce indywidualni przedsi\u0119biorcy (autonomowie) oraz ma\u0142e i \u015brednie przedsi\u0119biorstwa (pymes), kt\u00f3rzy zostali zmuszeni do zamkni\u0119cia dzia\u0142alno\u015bci lub stracili znaczn\u0105 cz\u0119\u015b\u0107 zysk\u00f3w w wyniku kryzysu koronawirusowego. W ka\u017cdym razie miesi\u0119czny doch\u00f3d os\u00f3b ubiegaj\u0105cych si\u0119 o ten rodzaj pomocy nie mo\u017ce przekroczy\u0107 1613 euro (w przypadku dzieci pozostaj\u0105cych na utrzymaniu, starszych krewnych lub niepe\u0142nosprawnych cz\u0142onk\u00f3w rodziny limit ten jest podwy\u017cszony). Je\u017celi wynajmuj\u0105cym jest du\u017cy w\u0142a\u015bciciel, kt\u00f3ry posiada wi\u0119cej ni\u017c 10 lokali mieszkalnych lub sp\u00f3\u0142ka, np. fundusz inwestycyjny, najemca mo\u017ce skorzysta\u0107 z prawa do odroczenia p\u0142atno\u015bci czynszu przez okres 4 miesi\u0119cy, a nast\u0119pnie sp\u0142aty zad\u0142u\u017cenia do wynajmuj\u0105cego w ci\u0105gu 10 lat. Wed\u0142ug Fernando Encinara, szefa dzia\u0142u bada\u0144 portalu idealista, \u015brodek ten jest najbardziej kompetentny i zr\u00f3wnowa\u017cony. Pozwoli to zachowa\u0107 wzajemne zobowi\u0105zania w\u0142a\u015bciciela domu i najemcy: pierwsi b\u0119d\u0105 nadal otrzymywa\u0107 dochody z najmu, a drudzy b\u0119d\u0105 mieli dost\u0119p do nieoprocentowanego finansowania na op\u0142acenie czynszu. Ponadto dyskutowana jest inna inicjatywa \u2013 umorzenie 50% zad\u0142u\u017cenia najemcom, kt\u00f3rzy wynajmuj\u0105 mieszkania od du\u017cych w\u0142a\u015bcicieli i firm, a ze wzgl\u0119du na swoj\u0105 obecn\u0105 sytuacj\u0119 finansow\u0105 nie s\u0105 w stanie zap\u0142aci\u0107 czynszu. Jednak przyj\u0119cie tego \u015brodka stoi pod du\u017cym znakiem zapytania. Przypomnijmy, \u017ce wcze\u015bniej w Hiszpanii wprowadzono moratorium na kredyty hipoteczne<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"

Dzi\u015b rz\u0105d Hiszpanii zatwierdzi szereg dzia\u0142a\u0144 maj\u0105cych na celu\u2026<\/p>\n","protected":false},"author":18,"featured_media":159062,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-159061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\n\u041f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0443\u0442\u0432\u0435\u0440\u0434\u0438\u0442 \u043c\u0435\u0440\u044b \u043f\u043e \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0435 \u0430\u0440\u0435\u043d\u0434\u0430\u0442\u043e\u0440\u043e\u0432 \u0432\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0440\u0438\u0437\u0438\u0441\u0430 \u0438\u0437-\u0437\u0430 \u043a\u043e\u0440\u043e\u043d\u0430\u0432\u0438\u0440\u0443\u0441\u0430<\/title>\n<meta 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