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CaixaBank (Go to home)

Resident Moratorium Request

#BYYOURSIDENOWMORETHANEVER

At CaixaBank, we are adding to the special measures being taken to combat coronavirus

Find out if you can apply for a moratorium on your mortgage payment.

In light of the global health emergency caused by COVID-19, Royal Decree-Law 8/2020, of 17 March, on urgent extraordinary measures to confront the economic and social impact of COVID-19, and Royal Decree-Law 11/2020, of 31 March, adopting urgent complementary measures in the social and economic sphere to confront COVID-19, were published in the Official State Gazette, detailing the processes for requesting a moratorium and the documentation required to accredit the situation of economic vulnerability, and / or in the sectorial agreement on the deferral of financing operations for customers of associated entities affected by the coronavirus crisis to which CaixaBank has acceded. These regulations allow particularly vulnerable groups the possibility of deferring, for a period of three months which may be extended, loans or credits with mortgage guarantees for the acquisition of:

  • Their habitual residence
  • Properties connected to the economic activity of entrepreneurs and professionals1
  • A residential property other than their habitual residence which they are letting and have received no rent for since the entry into force of the state of alarm or up to one month after the end of the state of alarm

In order to support and help families that have been affected by the crisis to overcome this difficult situation, an additional and complementary sectoral initiative to the measures announced by the Government so far has been launched to offer, in some of these cases, a delay of up to twelve months in the repayment of capital.

Who is it for?

Workers who become unemployed; entrepreneurs/professionals who have suffered a substantial drop in income or turnover of more than 40%; and individuals who own and let a mortgaged property. Provided that all of the

  • The total monthly income of the family unit2 in the month prior to the request for the moratorium did not exceed three times the monthly IPREM (€1,613.52). This figure may be extended if there are children or persons over 65 years of age dependent on the family unit, or members of the family unit with an intellectual disability of 33% or more, or a sensory disability of 65% or more.
  • The total of the mortgage payments plus basic expenses and utilities3 equals 35% or more of the net income of the family unit.
  • That, as a result of the health emergency, the mortgage burden on family income has increased by more than 30%.
  • And that, as a result of the health emergency, the family unit has suffered a significant alteration in its economic circumstances when the effort represented by the total mortgage payments on the family income has been multiplied by a factor of 1.3 or more.following conditions are met:

How long will the moratorium last and when can I apply for it?

  • LEGAL MORATORIUM: This is a moratorium on capital and interest for three months with the possibility of being extended.
  • SECTORAL MORATORIUM: This is a capital moratorium for a period of up to twelve months. If the requirements to benefit from the legal moratorium are met, both measures will be compatible, but together they cannot exceed twelve months.
  • Applications can be made up to 15 days after the end of the current Royal Decree-Law 8/2020.

What documentation do I need to provide?

In the case of unemployed salaried workers:

  • Certificate of unemployment.
  • A responsible declaration by the debtor(s) regarding the fulfilment of the requirements to be considered as having insufficient economic resources.

In the case of entrepreneurs or professionals/self-employed workers:

  • A responsible declaration by the debtor(s) regarding the fulfilment of the requirements to be considered as having insufficient economic resources.
  • In the case of termination of activity, the certificate issued by the Spanish Tax Agency or the competent body of the Autonomous Community.

If the monthly income of the Family Unit exceeds 3 x IPREM (€1,613.52): the Family Book, a document accrediting civil partnership, and/or a census certificate specifying the persons registered in the residence at the time of submission of the accrediting documents and the previous six months.

If applicable, declaration of disability, dependence or permanent incapacity for work, to validate the increased allowance corresponding to the condition.

Other documentation:

  • Land Registry short report stating the properties owned by all members of the family unit.
  • Deeds of sale of the habitual residence, the rented property, or the property connected to the economic activity, and the deeds of the mortgage loan or loans, if requesting a moratorium on the mortgage debt.
  • If applying for a moratorium on the mortgage debt for a loan constituted on a let property, the rental contract must be provided.

Document

Where to find it?

Unemployment certificate showing the benefit received, in case of unemployment

The State Public Employment Service’s e-Office:

https://sede.sepe.gob.es

Certificate of cessation of activity issued by AEAT or the competent body of the autonomous community

Website of AEAT or the competent body of the autonomous community:

www.agenciatributaria.es

Census certificate of persons living in the household.

Town hall. Most can be requested online or by phone.

Request for moratorium and responsible declaration.

This is the document through which you formally request us to grant the moratorium of the loans or credits with mortgage guarantee.

It also contains an appendix detailing the other documentation that must accompany your application.

PLEASE NOTE: it includes a legally binding commitment on your part that the data you provide will be completely true and accurate.

Download and fill in the document here. Once the form has been completed, you will receive an email from CaixaBank asking you to attach the completed document along with the rest of the necessary documentation.

How long does CaixaBank have to authorise or reject the request?

  • Once the request is made and the documentation is received, the institution must respond, and, if the request is considered valid, apply the moratorium on the payment within fifteen days.
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1. For these purposes, ‘entrepreneurs’ and ‘professionals’ are defined as individuals who meet the conditions set out in Article 5 of Law 37/1992 of 28 December 1992 on Value Added Tax. 2. For these purposes, a ‘family unit’ is defined as consisting of the debtor, their non-legally separated spouse or registered partner and the children, regardless of age, residing in the residence, including those linked by a relationship of guardianship, care or foster care, and the non-legally separated spouses or registered partners of the children, residing in the residence. 3. For these purposes, ‘basic expenses and utilities’ means the cost of the supply of electricity, gas, heating oil, running water, fixed and mobile telecommunications services and contributions to the property owners’ association. Only expenses and utilities provided in the family unit’s habitual residence will be considered ‘basic expenses and supplies’. Without prejudice to your right to obtain information and/or request the Mortgage Debt Moratorium provided for in Royal Decree-Law 8/2020 of 17 March on urgent extraordinary measures to deal with the economic and social impact of COVID-19 and Royal Decree-Law 11/2020 of 31 March adopting urgent complementary measures in the social and economic sphere to deal with COVID-19, CaixaBank, S.A. also informs you that in accordance with the Annex to Royal Decree-Law 6/2012 of 9 March on urgent measures to protect mortgage debtors without resources, as amended by Law 1/2013 of 14 May on measures to strengthen the protection of mortgage debtors, debt restructuring and social renting, by Royal Decree-Law 1/2015 of 27 February on a second chance mechanism reducing the financial burden and other social measures and by Royal Decree-Law 5/2017 of 17 March, which modifies Royal Decree-Law 6/2012 of 9 March and Law 1/2013 of 14 May, and by Law 5/2019 of 15 March, which regulates Real Estate Credit Contracts, we are signatories to the Code of Good Practice, and have publicly accessible information explaining this protection mechanism on our website. Likewise, if you do not meet the legal requirements that would classify you as in a situation of special economic vulnerability, we inform you that CaixaBank will be available to discuss a personalised solution for your case in order to adopt the appropriate measures to alleviate your situation. CaixaBank, S.A., with registered office at Calle Pintor Sorolla 2-4, 46002 Valencia, and Tax ID number A08663619, listed in the Company Register of Valencia, volume 10370, folio 1, sheet V-178 351, and listed in the Special Administrative Register of the Bank of Spain, under number 2100.

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