- More than 78,600 families have taken advantage of the different measures that the Government implemented in relation to the problem of evictions
- The suspension of launches is extended by two more years and protection is extended to families with minor children
The Social Housing Fund (FSV) has awarded 9,020 homes at the end of 2016, which represents more than 90% of the apartments available for vulnerable groups. Since its creation in 2013, the FSV has been increasing the provision, to a total of 9,866 homes contributed by 29 financial institutions. Its validity has been extended for one more year, until January 17, 2018. It is also planned to extend two more years the suspension of the releases (until January 2019) that expired this year and extend the protection measures to mortgage debtors affected by the crisis, to families with minors in their care (not only up to three years).
The set of instruments that the Government launched in 2012 to mitigate the effects of the crisis in the face of the problem of evictions have benefited more than 78,600 families to date. Specifically, more than 24,000 launches have been suspended; More than 45,600 families have received the Code of Good Practices (CBP) through 38,500 debt restructuring and 7,000 payments, and 9,020 homes have been awarded through the FSV.
The FSV was created in January 2013 with 5,892 homes provided by banks to provide assistance to 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) . It expired two years after its constitution but the Government has extended it twice, currently until January 2019. It was established by agreement between the Ministries of Economy, Health and Development, the main credit institutions and their associations, the Spanish Federation of Municipalities and Provinces (FEMP) and the Third Sector Platform.
With the extension to 9,866 homes agreed in September 2015, the FSV covers a greater number of situations that require a response from all the agencies and entities involved. New groups with the right to obtain a home from the FSV were also included. Specifically, it can be requested by people over 60 years old and unmarried couples or couples without children. It is also expected that at least 5% of the FSV's homes will be destined to people evicted from their home due to non-payment of non-mortgage loans provided they meet the other requirements.
These requirements were added to those already in force that, taken together, make any person or family in distress unassisted. Those who have lost their habitual residence after January 1, 2008 due to non-payment of a mortgage loan, including those who have not yet been evicted or those who have agreed to the payment in payment can be accommodated to the FSV. They must meet a series of economic requirements, in particular, that the total annual income of the family unit does not exceed the limit of three times the Public Indicator of Multiple Effects Income.
In addition, they must meet other vulnerability requirements, such as being a large family; have minors in charge; have a disabled person; that the debtor is unemployed and has exhausted the benefits; victims of gender violence; pre-retired or retired persons who would have guaranteed their children or grandchildren with their homes and all those vulnerable persons or family units for whom the housing is, according to the social services report, an indispensable asset for the maintenance of their social inclusion.
