Fomento promotes mortgage mediation as an alternative to evictions

Bernabé points out that the Mortgage Orientation Service has obtained positive results in more than 70% of the cases attended

The Minister of Development and Infrastructures, Francisco Bernabé, highlighted this Friday the “other form of conflict resolution” that is carried out through mortgage mediation and developed since 2013 the Housing Mortgage Advice and Information Service (SOIHV) of the Autonomous Community, dependent on its department, in a “more humane, consensual, agile and economic” manner.

Bernabé has indicated, during the opening of the Conference on Mortgage Mediation, that “we intend to bring together all those who contribute in the area of ​​the Region with their work, vocation and enthusiasm that many especially vulnerable people find a worthy alternative in terms of housing refers, through counseling and mediation in the resolution of conflicts in this matter “.

This work is carried out by the SOIHV, a service that, in person or through the requests derived from the information telephone 012, provides interested parties with information and advice, as well as, where appropriate, intermediation management with credit institutions, in order to to avoid the actions that derive in the eviction of the habitual residence of these people in a precarious situation.

He also stressed that “183 cases of people affected by foreclosure processes have been attended so far, which, added to the 181 of 2013 and 260 of last year, make a total of 624 interventions, obtaining, in more than 70 percent of the cases a satisfactory solution for the debtor “.

Bernabé explained that in all the interventions of the Mortgage Housing Information and Guidance Service “an orientation is addressed that includes free economic, financial and legal advice on the matter in question” and, on occasion, has affected, ” they refer the matters to voluntary economists belonging to the Illustrious Association of Economists of the Region of Murcia, so that they advise and accompany the users in the renegotiation of their mortgage with their financial entities “.

The counselor has indicated that the payment in payment of the habitual residence “is one of the measures that is being adopted and approved by financial institutions and that prevent foreclosure,” adding that users are also requesting restructuring. of mortgage debt as a measure to achieve the viability of it.

Pioneering agreement in Spain

The Minister stressed that the Community in May signed the first agreement in Spain between a public administration and financial institutions that sets the lines of collaboration necessary to establish channels and means of mortgage intermediation, in order to avoid foreclosure, reduce over-indebtedness mortgage and safeguard housing.

Francisco Bernabé explained that, with this agreement, the signatory entities Banco Mare Nostrum, Banco Sabadell and Cajamar-Caja Rural “undertook to find a solution to the cases of foreclosure through the restructuring or rehabilitation of the mortgage loan, the reduction or it removes from the debt, the dation in payment, the conversion of the loan in a rental contract, the sale of the property by the debtor, the suspension of the uprising in attention to the especially vulnerable groups or the social rent “- Loans-n-Loans.

The Minister of Development stressed that the regional government also expanded this year its collaboration with the Federation of Municipalities and the professional associations of Lawyers, Attorneys, Economists and Real Estate Agents of the Region to fight against evictions, by signing an agreement, whose purpose is to “prevent, address and mitigate the loss of habitual residence in eviction proceedings.”

Mediation day

Mediation day

The day that takes place this Friday has been called ‘The mortgage mediation as an alternative to the foreclosure procedure, and has brought together experts in the field and professionals interested in “this novel way of resolving conflicts, such as mediation, in the mortgage field, which allows the decision to be agreed between the debtor and the financial institution, thus obtaining a result accepted by both that avoids delays and is more economical, “said Bernabé.

Likewise, strategies and resources available from the administrations will be analyzed to provide citizens with the tools that facilitate the solution of their non-payment situation with financial institutions, and the execution of eviction procedures will be avoided.

Seed Capital Bizkaia Mikro manages about thirty micro-financing projects of up to 25,000 euros


Seed Capital Bizkaia Mikro, established last year to operate in micro-finance projects (with a limit of 25,000 euros) has already in perspective between 30 and 35 operations in 2018 and has managed to attract the European Micro-financing Congress to Bilbao, which will be held in October with the assistance of more than 700 experts.

The Commission for Economic and Territorial Development of the General Meetings of Bizkaia held this morning a double session in which various public sector companies dependent on the Department headed by Imanol Pradales have reported on their activities and projects.

In the same, Pradales has highlighted the recent creation of Crowdfunding Bizkaia, the first European public platform in this form of financing, with a social capital of 60,000 euros fully disbursed by the Provincial Council.

The directors-managers of Beaz, Azpiegiturak, Seed Capital and Interbiak have accompanied Pradales – who as head of the Department presides over all of them – when responding to requests for information from the Juntero groups.


The information provided by these five public entities dependent on the Provincial Council of Bizkaia respond to a joint initiative of the Mixed Groups and EH Bildu, which in the last weeks have processed requests so that those responsible for all the autonomous entities and companies of the public sector go to the corresponding committees of the Chamber of Biscay to account for their actions and projects, strategic plans, conditions of their staff and other issues related to their activity.

The Regional Deputy of Economic and Territorial Development and the managers of the various entities have explained that Beaz-Center for Business and Innovation of Bizkaia, SA, whose purpose is the promotion, development and promotion of the competitiveness of companies, was a pioneer when it was established in 1987 as the first center of enterprise and innovation created in the State. It has a staff of 51 people and a budget of 5,035,000 euros for this year.

Beaz manages eight incubation spaces for business projects, some in collaboration with the UPV-EHU, University of Deusto, Basque Government, SPRI or Bilbao City Council. The survival rate of the projects supported by Beaz is around 80%, and its short-term priorities are to continue working on business innovation and acceleration of startups.

On the other hand, Azpiegiturak, SAU, a mercantile company whose purpose is the projection, construction, conservation and management of infrastructures of different nature (business, social, sports), since it derives from the merger in 2009 of several provincial societies attached to different departments, has for this year a budget of 76.5 million euros, and has a staff of 64 people.

Imanol Pradales has clarified that, although the Foral Housing Plan is not already in force, Azpiegiturak is responsible for managing 1,100 homes derived from it, with a majority already sold and 161 for rent, largely for people in vulnerable situations.

This year Azpiegiturak has taken control of 60% of the share capital of SestaoBai, a public company promoted by the City Council of the town and the Provincial Council to promote a Business Park in a degraded industrial area, in which the Provincial has underlined the recent creation of 229 jobs in a plant of the ITP aeronautical group, and another hundred in an occupational center that will soon launch Lantegi Batuak, in addition to the previous transfer to this site by the company Vicinay.

For its part, Seed Capital Bizkaia, established in 1989 with the aim of financing innovative business projects, is organized as a management company and four venture capital funds (I, Bi, Pyme and Mikro). The first three currently have a portfolio of 58 companies from the most diverse investee sectors, and its budget for 2018 is 1,290,000 euros, with 12 people on staff.

Interbiak, created in 2002, aims to manage road infrastructures, mainly the conservation and exploitation of the section of the A-8 highway between Basauri and Ermua and the Artxanda tunnels, and the construction of the Metropolitan South Alternative (known as Supersur, and whose new phase will be tendered shortly).

It also maintains works in execution (variant of Ermua and Amorebieta-Muxika section, which includes the Autzagane tunnels) or in project (radial roads Uberuaga-Berriatua, Boroa-Igorre and Meñaka-Bermeo).

With a staff of 32 people, Interbiak has a budget of 109 million euros for 2018 and an economic-financial plan with the horizon of 2035 that, in the opinion of Imanol Pradales, is being met “satisfactorily”, and has stated that will not be affected by the announced intention of the Diputación to undertake the construction of the subfluvial tunnel of Lamiako.

Murcia will receive 162 million more for 2018 of the regional financing system



Andrés Carrillo y Cristóbal Montoro

Andrés Carrillo and Cristóbal Montoro CARM

The Minister of Finance and Public Administration, Andrés Carrillo, who participated this Thursday in the meeting of the Fiscal and Financial Policy Council (CPFF) held in Madrid, announced that “the Murcia Region will receive from the Ministry of Finance and Public Administration 162 million euros more for 2018 as a non-finalist regional financing “.

This means that the Region will go from obtaining 3,031 million euros in 2017 to 3,193 million euros for next year. “So that we will have more resources for the preparation of budgets for next year, and to continue favoring social policies,” he explained.

Carrillo has highlighted “the good management of the regional government and the intense work to achieve budget balance, which has allowed the Region to reduce its deficit by 366 million euros in two years”.

The Minister of Finance explained that “last year the deficit was reduced by 31 percent, which represents 208 million euros, compared to the previous year.”

In this way, the Community deficit has gone from 1,365 million euros in 2010 (4.88 percent of GDP) to 464 million euros in 2016 (1.62 percent of GDP). “These figures assume that in six years, the Community has reduced its deficit by 901 million euros, which represents a reduction of the imbalance of 66 percent,” said the finance minister.

According to Andrés Carrillo, “this effort made by the regional government in reducing the deficit has been achieved at the same time that there has been an increase in social spending, in a region that receives the lowest level of income from the regional financing system. per capita to finance the same public services “.

The Region of Murcia receives 1,053 million less per year than the better financed community, which is Cantabria, and 250 million euros per year less than the average of the rest of the autonomous communities, with the same skills and offering the same services to citizens. The counselor has insisted on “the need to reform the system of regional financing to end the inequalities it causes”.

According to the latest financing data, the Region receives 2,085 euros per inhabitant, while Cantabria receives 2,869 euros per inhabitant; La Rioja, 2,769 euros per inhabitant; Extremadura, 2,669 euros per inhabitant; and Aragón, 2,631 euros per inhabitant. The Region is the penultimate community in financing per inhabitant, ahead of Valencia, which receives 2,062 euros per inhabitant.

At the Board meeting, the director voted in favor of the proposed budget stability targets for each of the autonomous communities, which stands at 0.4 percent for 2018, 0.1 percent for 2019 and 0 for percent for 2020.

Thus, the autonomous communities will be able to prepare their budget in 2018 with a deficit allowed one tenth higher than the 0.3 percent initially approved in the CPFF for the month of June. This tenth, represents in the total of the communities just over 1,000 million euros that can be allocated to the management of key public services, facilitating the process of fiscal consolidation and the transition towards full rebalancing of public accounts.

In the case of the Region of Murcia, the modification of the stability objective for 2018 and 2019 supposes the possibility of elaborating a budget with more than 30 million euros of those originally planned.


In the Council has presented the study of reordering and rationalization of the public sector, efficiency and reduction of public spending. Based on the latest report published today, the Region of Murcia remains the third community that has made the greatest effort to reduce and rationalize its public sector, after the Balearic Islands and Castilla-La Mancha.

In concrete, Murcia would have reduced in six years its autonomous public sector by 61 percent, compared to the average decrease of the other regions of 38 percent. In July 2010, the instrumental public sector of the Region consisted of 103 entities, while at present it has been reduced to 40.

Likewise, the Economic-Financial Plan presented by the Region of Murcia was also approved at the meeting. It is committed to continuing the path towards balancing public accounts, which involves maintaining the efficiency measures of public spending, not increase the tax burden and increase revenues thanks to the situation of business confidence created in the region due to economic growth, lowering taxes, administrative simplification, the creation of spaces of economic freedom and the reduction of the deficit by increasing the policies of social spending.

The Council has also studied the Economic and Financial Plans presented by Catalonia, Galicia, Andalusia, Cantabria, Comunidad Valenciana, Aragón, Canarias and Extremadura.

Likewise, the report on the project has been treated to modify Royal Decree 635/2014, of July 25, which develops the methodology for calculating the average payment period to suppliers of Public Administrations, as provided in the Law on Budgetary Stability and Financial Sustainability, to adapt it to a European directive.

The Council, which was chaired by the Vice President of the Government and Minister of the Presidency and for the Territorial Administrations, Soraya Sáenz de Santamaría, and the Minister of Finance, Cristóbal Montoro, was assisted by counselors of the Treasury of the different communities autonomous.