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	<title>Emilio Pino Lawyers &#187; mortgage</title>
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	<link>http://www.emiliopino.com</link>
	<description>Malaga and Marbella Lawyers</description>
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		<title>Can my bank seize and auction in Spain other assets in my name beyond the mortgaged property  in case I stop paying?</title>
		<link>http://www.emiliopino.com/faqs/espanol-%c2%bfpuede-mi-banco-embargar-y-subastar-otros-bienes-a-mi-nombre-ademas-del-piso-hipotecado-en-caso-de-impago/</link>
		<comments>http://www.emiliopino.com/faqs/espanol-%c2%bfpuede-mi-banco-embargar-y-subastar-otros-bienes-a-mi-nombre-ademas-del-piso-hipotecado-en-caso-de-impago/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 19:21:39 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[General Spanish legal matters]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estates]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seizure]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1316</guid>
		<description><![CDATA[Yes, the bank can do that. Generally speaking, mortgage-loan contracts for individuals signed with bank entities include the faculty for the bank being able to choose any of the debtor’s assets, present or future, at the time they recover the debt. Therefore, the bank can proceed against the mortgaged property and also against other assets [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On July 01-2011 the Spanish Cabinet enacted an executive Decree containing several measures aimed to protect individual home owners against wild bank repossessions</title>
		<link>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/</link>
		<comments>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/#comments</comments>
		<pubDate>Thu, 07 Jul 2011 12:37:47 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seizure]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1133</guid>
		<description><![CDATA[On July 01-2011 the Spanish Cabinet enacted an executive Decree containing several measures aimed to protect individual home owners against wild bank repossessions. The most important measures are: - Firstly, in order to lessen the harmful impact of the economy crisis on the citizens who are most defenceless, and more specifically those ones having family [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/on-july-01-2011-the-spanish-cabinet-enacted-an-executive-decree-containing-several-measures-aimed-to-protect-individual-home-owners-against-wild-bank-repossessions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to buy a home in Spain step by step</title>
		<link>http://www.emiliopino.com/news/how-to-buy-a-home-in-spain-step-by-step/</link>
		<comments>http://www.emiliopino.com/news/how-to-buy-a-home-in-spain-step-by-step/#comments</comments>
		<pubDate>Tue, 05 Jul 2011 10:59:24 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-resident]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1115</guid>
		<description><![CDATA[This is a useful guide published by the Spanish Property Registrars Association worth reading by every non-resident English speaking investor. You will note however that even if this guide clearly explains the basic steps needed and even though going through these seems to be presented as an easy job, there will be tasks within those [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>A judge will put the entire Spanish banking sector on approval about the controversial “ground clauses, or cláusulas suelo” of the mortgages.</title>
		<link>http://www.emiliopino.com/news/a-judge-will-put-the-entire-spanish-banking-sector-on-approval-about-the-controversial-%e2%80%9cground-clauses-or-clausulas-suelo%e2%80%9d-of-the-mortgages/</link>
		<comments>http://www.emiliopino.com/news/a-judge-will-put-the-entire-spanish-banking-sector-on-approval-about-the-controversial-%e2%80%9cground-clauses-or-clausulas-suelo%e2%80%9d-of-the-mortgages/#comments</comments>
		<pubDate>Mon, 14 Feb 2011 12:53:43 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[court]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[jurisprudence]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=1073</guid>
		<description><![CDATA[Practically the whole financial sector will be subject to trial in front of  the judge in what refers to the controversial “ground clauses, or cláusulas suelo”, that prevented numerous mortgaged Spaniards or Spanish residents to benefit from the strong slope of the interest rates experienced from end of 2008. It was known yesterday that the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Can I force my Spanish bank to give me a complete and clear list of the terms and conditions to be applied to my mortgage rather than the longish and fuzzy “Escritura”?</title>
		<link>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/</link>
		<comments>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/#comments</comments>
		<pubDate>Wed, 26 May 2010 16:17:59 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[General Spanish legal matters]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[contract]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[spain]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=940</guid>
		<description><![CDATA[Yes you can. In fact, banks are forced by law to provide to their clients such binding offer, listing clearly and unequivocally what are the basic terms of the Loan &#38; mortgage with time enough in advance of the meeting at the Notary. for the &#8220;Escritura&#8221; to be signed  These basic conditions and terms include: [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/faqs/can-i-force-my-spanish-bank-to-give-me-a-complete-and-clear-list-of-the-terms-and-conditions-to-be-applied-to-my-mortgage-rather-than-the-longish-and-fuzzy-%e2%80%9cescritura%e2%80%9d/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BUYERS SNAP UP SPANISH 85% MORTGAGES</title>
		<link>http://www.emiliopino.com/news/buyers-snap-up-spanish-85-mortgages/</link>
		<comments>http://www.emiliopino.com/news/buyers-snap-up-spanish-85-mortgages/#comments</comments>
		<pubDate>Tue, 06 Apr 2010 15:23:42 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repossession]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=696</guid>
		<description><![CDATA[Spanish bank agent Bancaja Habitat is attracting foreign buyers to its repossessed property stock with 85% loan-to-value mortgages. Bancaja has sold around 40 units in the last three weeks to foreign and domestic buyers, who don’t have to start repaying the mortgage for three years. The reluctance of Spanish banks to lend to foreigners at [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I have sold my property in Spain and the bank still claims unpaid mortgage instalments from me. Could this be legal?</title>
		<link>http://www.emiliopino.com/faqs/i-have-sold-my-property-in-spain-and-the-bank-still-claims-unpaid-mortgage-quotas-from-me-could-this-be-legal/</link>
		<comments>http://www.emiliopino.com/faqs/i-have-sold-my-property-in-spain-and-the-bank-still-claims-unpaid-mortgage-quotas-from-me-could-this-be-legal/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 16:28:09 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[Faqs]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=500</guid>
		<description><![CDATA[Yes it could. It is quite normal that the bank made you sign a document saying that the repayment of the loan originally given to you was protected with the mortgage on the property but also with your personal guaranty, meaning you could be forced to pay the due instalments if the bank chooses to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>NEW 100% MORTGAGES TO BOOST SPANISH MARKET</title>
		<link>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/</link>
		<comments>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 18:22:34 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[non-resident]]></category>
		<category><![CDATA[spain]]></category>
		<category><![CDATA[spanish]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=494</guid>
		<description><![CDATA[(From OPP News) Buyers in Spain could be able to secure 100% mortgages for the first time during the downturn thanks to a new developer-bank partnership. Customers buying from UK-based developer Almanzora Group will be able to apply for 100% loan-to-value finance through the Bank of Andalusia on properties with discounts of up to 55% [...]]]></description>
		<wfw:commentRss>http://www.emiliopino.com/news/new-100-mortgages-to-boost-spanish-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Spanish Supreme Court has ordered the annulment of several clauses subscribed with customers by Banco Santander, BBVA, Bankinter and Caja Madrid that were included in contracts for loans, mortgages and credit cards, as these have been considered as &#8220;abusive&#8221;, &#8220;disproportionate&#8221; or &#8220;confusing&#8221;.</title>
		<link>http://www.emiliopino.com/news/the-spanish-supreme-court-has-ordered-the-annulment-of-several-clauses-subscribed-with-customers-by-banco-santander-bbva-bankinter-and-caja-madrid-that-were-included-in-contracts-for-loans-mortgage/</link>
		<comments>http://www.emiliopino.com/news/the-spanish-supreme-court-has-ordered-the-annulment-of-several-clauses-subscribed-with-customers-by-banco-santander-bbva-bankinter-and-caja-madrid-that-were-included-in-contracts-for-loans-mortgage/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 19:08:28 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[court]]></category>
		<category><![CDATA[jurisprudence]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[supreme court]]></category>

		<guid isPermaLink="false">http://www.emiliopino.com/?p=451</guid>
		<description><![CDATA[In a verdict released several days ago, the Chamber of civil matters of the High Court partially admits the appeal filed by the Spanish Organization of consumers and users (OCU) against the decision of the provincial court of Madrid who had declared as valid several reported clauses in the year 2005. Amongst the clauses now [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage repossessions doubled in 2008</title>
		<link>http://www.emiliopino.com/news/two-times-more-mortgage-repossessions-on-2008/</link>
		<comments>http://www.emiliopino.com/news/two-times-more-mortgage-repossessions-on-2008/#comments</comments>
		<pubDate>Mon, 04 May 2009 16:58:12 +0000</pubDate>
		<dc:creator>Emilio Pino</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repossession]]></category>
		<category><![CDATA[seizure]]></category>

		<guid isPermaLink="false">http://emiliopino.com/wp2/?p=114</guid>
		<description><![CDATA[Real estate property seizures ordered by Spanish first instance Courts reached 58,686 while the registered number in 2007 was 25,943, according to the General Counsel of Judicial Authority (CGPJ).]]></description>
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