The mortgages moratorium is not working
28.01.2009
Big part of the banking institutions adhered to the line of the Institute of Official Credit, ICO, which allows to unemployed men and autonomous with economic difficulties to postpone the payment of 50 % of his quotas of his mortgage loans for two years, has subscribed to the agreement. In particular 35 banking institutions can already have in march the help, but the moratorium does not work as it was waited, and the proper personnel delosbancos does not know his functioning.
The experts and analysts attribute the scarce success of the help of the Government to little interest that represents for the entidadesbancarias this voluntary surgery. When a client of the bank has the profile of good payer and crosses a bad economic moment, the bank prefers to negotiate straight with him the enlargement of period of the mortgage and the consequent quotas reduction.
If the uncertain collection perspectives in the future sound, the bank or box resigns itself a few times at the entry of the credit in mulberry and proposes others there is awarded the housing that then it manages or sells straight. To postpone two years the problem does not help to solve it, they think.
The president of the ICO attributes nevertheless the void activity to the need for the entities to fit his computer programs. Aurelio Martínez defends that the liquidity lines from the pymes and that of mortgage moratorium need an adaptation process.
Comments
Something on that to comment?
