Article for Self Employed and Update re Moratorium

This article gives details in English of the help for self employed during the crisis.

https://english.elpais.com/economy_and_business/2020-03-31/spain-prepares-fresh-economic-relief-for-the-self-employed.html

Just updated with this information

 Jim: Today I bring you information about MORATORIA DE LAS MIPOTECAS

 (the bank may not collect interest either)

 📡 YOU CAN REQUEST UNTIL MAY 3 IN YOUR FINANCIAL INSTITUTION📡

 A worker or self-employed person who has lost his job or whose income has been drastically reduced may benefit from this moratorium.

 To qualify for this help, you must meet ALL these requirements:

 - You must have lost your job or if you are a self-employed professional suffer a substantial loss of your income or a substantial drop in your company's sales.

 -That the mortgage payment, plus basic expenses and supplies, is greater than or equal to 35% of the NET income received by all the members of the family unit.

 -That, as a result of the health emergency, the family unit has suffered a significant alteration in its economic circumstances in terms of effort to access the home.  This means that the effort that represents the mortgage burden on the family income has been multiplied by at least 1.3 or that there has been a substantial drop in sales (at least 40%)

 -That the total of household members' income does not exceed, in the month prior to the request:

         - The limit of three times the IPREM, which is 537.84 euros.  This means not exceeding the amount of 1,613.52 euros per month.

 This limit will be increased by 0.1 times the IPREM for each dependent child.  If it is a single parent unit it will be 0.15 for each child.

 It will also increase by 0.1 times for each person over 65 years of age who is a member of the family unit.

 In the event that some of the members of the family unit have a declared disability greater than 33%, a situation of dependency or illness that permanently disables them, the limit will be four times the IPREM, without prejudice to the accumulated increases per dependent child.

 If the debtor is a person with cerebral palsy, mental illness, or an intellectual disability, with a recognized degree of disability equal to or greater than 33%, or with physical or sensory disability, with a degree of disability equal to or greater than 65%, as well as  In cases of serious illness that renders the person or their caregiver incapable of carrying out a work activity, the limit will be five times the IPREM.

 How do I obtain this credit?

 You must go to your financial institution (Bank or Building Society) and present the following documents

 -If you have lost your job.  Certificate from the entity managing the benefits, showing the monthly amount received as unemployment benefits.

 -If you have had to close your business, you must present a certificate issued by the State Tax Administration Agency or the competent body of the CCAA based on the declaration of cessation of activity declared by the interested party.

 -Family book or document accrediting a domestic partner to prove the number of people living in the same house.  A certificate of registration and declaration of disability or dependency is also necessary to do a work activity.

 -To show ownership of the home:

    - Simple note from the property registry

    - Deed of sale of the house and the mortgage loan.

    - Responsible declaration of the debtor regarding compliance with the requirements required to be considered without sufficient financial resources.

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