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NEW MORTGAGE LAW WILL FORCE HOMEBUYERS TO TAKE A TEST IN SPAIN BEFORE SALE CAN BE APPROVED

8/11/2019

 
Picture
The so-called Housing Credit Law aims to provide better protection for the buyer.

The new Spanish Mortgage Law came officially into effect on June 2019. 

In general, the differences in the new law are the following:

- The costs of a mortgage are now shared more fairly. Banks may be obliged to pay for the tax, notary, land registry and gestoria fees.

- Caps for charges to repaying the mortgage earlier.

- Banks have to secure that the clients understand the details of the mortgage.

- The borrower has to go to the notary at least to take a test 10 days before completion (usually done by lawyers with power-of-attorney).

- Foreclose of homes is more difficult. New requirements state that lenders have to owe 12 months or 3% of the mortgage in the first half of the loan term (extended to 15 months or 7% of the debt in the second half). 

*The posts in this blog are only informative, they are not suitable for legal advice and they are not automatically be up to date.

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    *The posts in this blog are only informative and general. Not suitable for any legal advice. They are not automatically up to date.

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