Unicaja Banco has adhered to the agreement established on the 17th January 2013, by the Ministries of Competitiveness and Economy, Health and Social Services, Development, Bank of Spain, the Spanish Federation of Municipalities and Provinces, Third Sector Platform, the Banking Employers Association and 33 credit institutions, with the objective to create a Social Housing Fund (FSV) intended for the rent to families in special vulnerability situations.
This initiative comes on top of the efforts that, especially from the beginning of the crisis, Unicaja Banco has engaged itself in favour of the most underprivileged collectives, such as refinancing, grace periods, voluntary dation in payment or house purchase for its later social rent to the debtor.
Unicaja Banco, after the merger process by absorption of EspañaDuero, increased its contribution from 225 to 375 homes of its assets to the Social Fund. Its contribution was increased from 375 to 471 homes in July 2021 following the completion of the merger by absorption of Liberbank. The current agreement, renewed on 14 September 2015, has been extended for the eighth year running, through to January 2024.
As a consequence of the amendment of the first additional provision of the Spanish Law 1/2013, of 14th may, on measures to reinforce the protection of the mortgage debtors, debt restructuring and social housing rent (Ley 1/2013, de 14 de mayo, de medidas para reforzar la protección a los deudores hipotecarios), five per cent of the houses are assigned to people who have been evicted from their houses due to the default of non-mortgage loans.
Based on these changes, families or people who have lost their main residence and who fulfill the following conditions will be able to benefit from this measure:
They must have lost their main residence after the 31st December 2007 to any of the credit entities signing the Agreement due to one of the following reasons:
Household unit is understood to be made up by the applicant, their spouse not legally separated or registered unmarried partnership and the children in case they exist, independently of their age, that live in the house, including these related by tutelage, legal guardians or fostering.
Regarding the election of the beneficiaries, the Agreement specifies in clause 3ª the eligibility requirements of the Housing Social Fund. Based on these eligibility requirements, the Agreement states in clause 5ª that its member entities will have to make a prioritization of the aforementioned criteria.
Unicaja Banco will take into account for this prioritization the objective conditions that aggravate the vulnerability situations. In this sense, the following are considered prioritization criteria:
Based on these criteria, a prioritization of the applications will be made.
Other criteria such as disability degree, dependency or other conditions detailed in the reports presented by the social services will be additionally considered in the process of the prioritization of applications.
In order to qualify for a house included in the FSV the person benefiting will have to present in any of the Branches of Unicaja Banco or in Asset Management of the Regional Departments, at the time of the application, the following documentation:
Also, we make available to the applicants:
For any consultation in relation to the Social Housing Fund, you can send us an email at the following address: email@example.com