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Euribor 12M ≈ 2.80% in June 2026 — variable mortgage payments rose 35–60% compared to 2020–2021.
Key facts and steps
Your rights under the Código de Buenas Prácticas (RDL 6/2012):
For ‘vulnerable’ debtor status
- Temporary payment moratorium
- Grace period of up to 12 months (interest only)
- Reduced rate during the grace period
Challenge penalty clauses
The court can declare abusive penalty interest clauses void.
Suspension of foreclosure proceedings
Art. 695 LEC — the court CAN suspend enforcement proceedings while negotiations are ongoing.
