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	<title>Emilio Pino Lawyers &#187; mortgage</title>
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	<description>Malaga and Marbella Lawyers</description>
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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>
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		<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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		<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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		<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>
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		<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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		<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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