Portal de Murcia
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The municipalities of the Region and the Ministry of Public Works and Planning will work together and unite their resources to try to prevent families from losing their homes Murcia following an eviction proceeding.
To this end, the Mayor of Murcia and president of the Federation of Municipalities of the Region, Miguel Ángel Cámara, and the Chief Antonio Sevilla today signed an agreement for the operation of the Service Orientation and Mortgage Brokerage.
This document establishes the basis for cooperation between government aimed to provide citizens who are in serious need caused by the credit default its mortgage character residence, access to a service that provides information and intermediation with credit institutions in order to avoid, insofar as possible, eviction procedures.
The municipalities adhere to the agreement undertake to report on service access requirements and social aid provided from the IMAS and, when satisfied that the applicants fulfill the obligations, forward all documentation to the office of service, located at the headquarters of the Ministry.
Also, inform municipal services the ability to access the stock of rental housing in your area.
For its part, the Autonomous attend consultations via phone 012 information.
According to the agreement, may request this service who are in the following situation:
- The total revenue of the members of the household does not exceed the limit of three times the Public Indicator of Multiple Effect Income.
- That, in the four years preceding the time of application, the family unit has undergone significant changes in their economic circumstances, so that the effort mortgage burden to family income has increased by at least one , 5.
- That the resulting mortgage payment exceeds 50 percent of the net proceeds received by the whole family unit.
- That it is a credit or mortgage loan secured only falling upon the debtor's home ownership and granted for the acquisition of it.
- The purchase price of the residence is less than € 300,000.
- That the mortgaged property is the only one who owns and is in the region of Murcia.
- The holder is registered in a municipality in the Region of Murcia.
Rentals, other means of support
In addition to today's settlement, the city of Murcia has in place other measures to assist individuals and families who have been evicted from their usual residence for non-payment of the mortgage and who are in particularly vulnerable social.
One of them is the accession to another agreement that allows the creation of a fund that provides homes for rent at low prices and with the collaboration of the Spanish Federation of Municipalities and Provinces, the Ministries of Economy and Competitiveness, Health, Social Services and Equality , Development, Bank of Spain, the Platform of the Third Sector (NGOs), employers and 33 bank credit institutions.
In this sense, the Mayor has expressed his confidence that with both initiatives Palie the dramatic situation represent evictions for families and reduce the social condition of Murcia, as a result of the crisis, they have found the impossibility to cope with their mortgage loans. "
Source: Ayuntamiento de Murcia
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