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If you have a mortgage in Spain, it may be affected by floor clause

March 8, 2016

There is a chance that many of you who have signed a mortgage with a bank during the last decade have probably done it through mortgage floors clause, which is considered as null and void since 2013 by the Spanish Supreme Court. The floor clause (clausula suelo) is a clause, which in included in the majority of mortgages, which basic […]

New regulation for apartments with touristic purposes

March 8, 2016

The Junta de Andalucía has just published the Decree 28/2016, which hereafter will regulate the functioning and controlling of the so-called ‘apartments with touristic purposes’ in Andalusia. This regulation appears with the aim of finishing with a clandestine reality that was becoming more popular in Spain, especially in Andalusia and its massive influx of tourism: […]

The Marbella General Plan for Urban Zoning declared null and void

February 9, 2016

Recently we have been shaken by the news of the Spanish Supreme Court annulling the Marbella General Plan for Urban Zoning (PGOU).  The Supreme Court has declared the Marbella General Plan as null, which was approved by the Town Hall in 2010. This was done mainly for two different reasons: on the one hand, due […]

What is the Floor Clause (Clausula suelo in Spanish)?

February 9, 2016

The Floor Clause is a limitation to the lowering interest rate on the Spanish mortgage loan with a variable interest rate. The term “floor clause” does not feature in the mortgage deed but does so in the text, which defines the scope. For this reason there are a lot of people who did not know […]

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