- In the last four years, 55,195 families at risk of social exclusion have benefited from anti-eviction measures
- The Social Housing Fund (FSV) consisting of 9,866 apartments with reduced rent is extended until 2017
In the four years that the Code of Good Practices (CBP) has been in force, a total of 31,536 families have used it to alleviate their mortgage debt. Of these, 24,902 have obtained a restructuring of their debt and 6,031 have ended with the payment in payment. In the whole of 2015, the families benefited by the CBP amount to 14,441, 14.8% more than the previous year, according to the information sent to Congress by the CBP Control Commission.
In addition, the Social Housing Fund (FSV) has been extended for one more year, until January 17, 2017. This is the second extension of this fund, created in January 2013 and with a provision of 9,866 homes contributed by banks to assist the most vulnerable families through reduced rents (between 150 and 400 euros per month, with a maximum limit of 30% of the income of the family unit).
The CBP and the FSV, together with the suspension of launches, are part of the package of measures promoted by the Executive since the beginning of the legislature with the aim of facing the problem of evictions. A total of 55,195 families have benefited from these measures aimed at groups at risk of social exclusion in the last four years. Of this number, 31,536 families have been able to take advantage of the CBP, the FSV has allowed the conclusion of 6,108 rental contracts at reduced prices and 17,551 launches have been suspended through the mortgage moratorium.
According to the information sent to Congress by the Control Commission on compliance with the CBP, the use of these mortgage relief instruments over the past year has been high. In 2015, there were 26,336 requests to benefit from the code (14.5% more than in 2014), of which 12,252 ended with a debt restructuring (26% more) and in 2,188 cases, a payment was agreed (a 22.6% less). The Autonomous Communities in which the most applications are received continue to be Andalusia, Catalonia and the Valencian Community. By cities, in Barcelona and Seville the highest number of applications continue to be registered, followed this time by Madrid
In semi-annual data, in the period analyzed in the report, from July to December 2015, a total of 12,900 requests for refinancing were received, 536 fewer than a year earlier. Of these, 7,299 operations were carried out: in 6,282 cases a viable restructuring of the outstanding debt was reached and in 1,017 the payment was agreed.