Ayudas rehabilitacion vivienda

 

Andamio.

 

The Ministry of Public Works considers rehabilitation any work that is done to improve housing and buildings . In the case of buildings, it refers to the structural adequacy (works that guarantee safety in the structure) and functional (access conditions, thermal insulation, water networks …) of residential buildings.

If the works are to be carried out in a dwelling, the rehabilitation refers to the adequacy of the living conditions of the dwelling, such as achieving minimum surface conditions, interior distribution, water, electricity, gas, ventilation, lighting natural Also works to save energy consumption or adaptation to current regulations on water, gas, electricity or fire protection.

Only 5% of the people who have reformed their house have asked for a subsidy Last week a survey of Fotocasa explained that only 5% of the people who have reformed their house have applied for a subsidy of which it grants Development in concept of subsidies for the rehabilitation of housing.

The truth is that many people are unaware of the existence of these aids . You can receive a rehabilitation aid for all users of homes, whether they are owners or tenants and the communities of owners. It is good, as Fotocasa has done, to remember the requirements that recipients of aid must meet:

  • The general conditions to access qualified financing.
  • Rehabilitation of buildings, that at least 60% of the users of the houses have family incomes less than 5.5 times the SMI.
  • Rehabilitation of housing, that the family income does not exceed 3.5 times the SMI.

In turn, buildings and homes must meet their own requirements:

 

  • Minimum age of 15 years (except removal of architectural barriers for people with disabilities).
  • That the buildings are structurally and functionally adequate or that they achieve this adequacy with the rehabilitation that is going to be carried out.
  • That the useful surface allocated to housing is at least 60% of the total usable area of ​​the building.
  • If the useful area destined for housing is modified , it should never exceed 120 m2.

Type of aid for rehabilitation

Qualified loans:

  • You can reach the entire protected budget.
  • Maximum amortization period for the rehabilitation of buildings: 20 years, with a grace period of 3 years.
  • Maximum repayment period for housing rehabilitation: 10 years, with a grace period of 1 year.

In the case of building rehabilitation , all home users may have access to qualified loans, even if they do not meet the family income requirements.

Subsidization of loans
20% of the loan installment, when the owner of the loan is the tenant or the owner of one or several houses in the rehabilitated building and their family income does not exceed 5.5 times the SMI . This income limit will not be required when the owner of the loan is the owner of one or more leased homes, with a contract subject to compulsory extension and concluded before the LAU enters into force.

Subsidies
To rehabilitate housing:

  • Subsidy of 25% of the protected budget, with a maximum of 2,480 euros.
  • If you are over 65, the subsidy will be 35%, with a maximum of 3,100 euros.
  • For lessors subject to compulsory extension: subsidy of 35%, with a maximum of 3,410 euros.
  • 3,720 euros: For lessors subject to forced extension.

For buildings:

  • 1,240 euros: General
  • 3.100 euros: Revenue below 3.5 SMI
  • 3,410 euros: If they are also over 65 years old
  • 3,720 euros: For lessors subject to forced extension

The Minister of Economy and Competitiveness, Luis de Guindos, during the meeting of Ministers of Economy and Finance of the European Union

 

Luis de Guindos

The Spanish Government has estimated in some 26,000 million euros the exposure that Spain has in Greece, both in bilateral loans granted to the Hellenic country, as in the guarantees and the contributions made to the rescue programs launched by the European Union (EU ). This figure represents around 2.78% of Spanish GDP , according to a report published by Bloomberg citing sources from the Greek Ministry of Finance and the European Commission.

According to this report, Spain is the country that is most affected by default as it is the one that has lent the most money to Greece with respect to its GDP. Germany, France or Italy, countries that together with Spain are the ones that have left Greece the most, would not be so affected since the difference between the loans and their GDP is lower.

The Minister of Economy, Luis de Guindos, insisted on numerous occasions that those 26,000 million loaned to Greece directly computed as Spanish public debt : “It is approximately what is spent in one year in unemployment benefits Spain with a unemployment of 26%” , has come to specify De Guindos.

 

On the other hand, at the beginning of March, the Minister of Foreign Affairs, José Manuel García-Margallo, emphasized that the aid that Spain has rendered to Greece has been “disinterested” , because the Spanish banks are not exposed to the public debt of that one country.

“Money is owed not to the governments, but to the citizens, in particular the Spaniards, who have made enormous sacrifices to get our country out of the crisis and who have also made an enormous solidarity effort with Greece ,” he said. García-Margallo

“I want to underline here that, unlike other countries, it has been a disinterested effort, because our banks had no exposure to Greek debt, we were not helping our banks that were threatened by that debt, we were really helping the Greek government ” he explained.

De Guindos assured that Spain would not need contingency plans if there is a bankruptcy of Greece

The minister recalled that “Greece had a rather erratic economic policy, which caused the markets to close,” adding that “to pay the outstanding obligations, had to go to financial institutions.”

According to the information handled by the creditors, in the last five years the EU has lent Greece 220,000 million euros and the International Monetary Fund (IMF), another 30,000 million.

The impact before a ‘Grexit’

Apart from the funds committed to Greece, another important aspect to take into account for the Spanish economy is the impact that could have a possible bankruptcy of the Hellenic country and its abandonment of the single currency, an unprecedented fact in the young Economic Union and Monetary

Most analysts believe that the impact of this hypothetical exit of Greece from the euro would be limited and would not have a serious impact on Spain, although they imply that, with an agreement, a portion of the money lent to the country should also be lost. Hellene.

Experts believe that the Spanish economy, like all European economies, would be affected by a “grexit”, as well as its risk premiums and financial markets, where volatility would be more appreciated .

However, De Guindos himself said a few days ago that Spain would not need contingency plans if a bankruptcy of Greece finally occurs , an idea shared by many analysts , given that they understand that the recovery of Spanish GDP seems solid.

In the case of Greece, the immediate consequence of its exit from the euro area would, according to analysts, be a financial crisis and the issuance of a new currency that would have to be significantly devalued in relation to the euro.

As for Europe, the experts insist that the repercussions would be serious not so much economically – that there will be – as in relation to the credibility of the European project, which had never before been questioned and that had been considered irreversible.

More information about:

  • Greece

Free textbooks? It depends on each Atonhooma Community

  • The Government will promote a provision for the Ministry of Education to favor the free loan of textbooks in public centers.
  • For Communities Aútonomas, one passes of the total gratuitousness in Navarre and Andalusia to the aids in very concrete cases in Madrid, the Balearics and Valencia.
  • The Canary Islands, Catalonia and Extremadura have a model of partial gratuity with loan and reuse.
  • While Castilla y León, Ceuta, Asturias, Galicia, Aragon, La Rioja, Cantabria, Castilla-La Mancha and Murcia provide direct but insufficient aid.
Libros de texto

Textbooks on a sideboard in a shopping center. EFE

The Government's educational reform will include a provision for the Ministry of Education to promote the free loan of textbooks in public and subsidized schools, a constant demand from parents who will not see this course and, depending on where they reside, will have more or less helps.

It is "unacceptable" that each autonomy has a criterion , says José Luis Pazos, spokesperson of the Spanish Confederation of Associations of Parents of Students (Ceapa).

"If we all live in the same country, having free textbooks should not depend on where you reside, " he says.

A recent study of this association details that while in Andalusia and Navarre the free books are extended to all students , in Madrid, the Balearic Islands and Valencia, no grants are granted except in cases of extreme need.

Difference also between those that have partial gratuity with a model of loan and reuse and those that provide direct and insufficient aid.

In the first group are Canarias, Cataluña and Extremadura, and in the second Castilla y León, Ceuta, Asturias, Galicia, Aragón, La Rioja, Cantabria, Castilla-La Mancha and Murcia.

Grants according to each Aútonoma Community

Basque Country is not in the report because it is not part of Ceapa, but it is an autonomy in which there is no total gratuity.

According to data from the Ceapa, Andalusia maintains the free books in compulsory education; Only the first and second primary texts are renewed and, by including books with exercises that can not be reused, a check-book is given to the families.

In Aragón the requirements are hardened and the family income threshold can not exceed 12,780 euros / year. There is a budget of 2,600,000 euros and grants have been granted to 38% of applications.

The aid is 100% or 5%, the cost is not always covered and the parents have filed a complaint with the Justice of Aragon (similar to the Ombudsman).

In Asturias, parents complain that the aid is insufficient and ask that textbooks not be changed. Asturias maintains 2 million euros last year. The parents complain that they are insufficient and have sent a circular to the centers so that the books are not changed.

Canary Islands has the loan system for 6 years. Families receive part of the books from the center, which they return at the end of the course.

Cantabria offers grants in Primary and ESO , which are paid to families. Only last year, recipients of income from social integration, non-contributory pensions and the children of the unemployed without subsidies enjoyed these scholarships. This year includes unemployed with subsidy and families that charge active insertion income.

Castilla-La Mancha has launched a program of reuse through the loan of books, which are awarded according to income.

Castilla y León has a system of aid for rent and is now in testing an Experimental Program of School Textbook Reuse In Castilla y León there are grants by level of income and has launched an Experimental Program of School Book Reuse text (Releo), but the parents criticize that it is only carried out with contributions from families.

Catalonia has been reusing books since 2005, and a budget increase is foreseen after cuts (it went from 11 million euros in 2010 to 3 million in 2012, and this course is expected 6 million).

In the Basque Country there is a program of solidarity management of books for Primary and the first two Secondary courses, paying parents a fee of 20% of the cost; The Government allocates 5.6 million euros for this program and 13 million for scholarships for teaching materials, including books.

Ceuta now implements the replacement of books in Children, Primary and Secondary through an agreement with Education.

In Extremadura the aid goes down in 5.852.130 euros, what means that in two courses the Counseling has cut almost 11 million for books.

In Navarra there is a free program through loans that the Government has tried to suppress, as reported by Ceapa Galicia maintains aid (about 17.5 million) for books in Primary, ESO and special education; the parents denounce that they are insufficient and highlight the success of the Banco de Libros, without public help except from town halls.

Murcia gives aid to the purchase of books and other didactic materials in Primary and ESO, with a budget of 3.1 million.

In Navarra there is a program of free books through loans that the Government, according to Ceapa, has tried to suppress; the Navarrese parents demand that the booklets be included in the gratuity.

The program of free books in La Rioja began to be replaced years ago by the aid to disadvantaged families . This course will be free in third, fifth and sixth grade of Primary and will be given aid to the rest of Primary and in all Secondary, what supposes an investment on the part of the Executive of 289.342 euros.

More information about:

  • culture Ministry