The president of Fadeco Promotores, the Malagueño Ignacio Peinado, proposes a public protection system for families who lose their homes after years of making payments. The proposal, inspired by unemployment benefits, excludes squatters and conditions the aid on unforeseen circumstances.
The Andalusian real estate sector has launched a proposal to create a public protection system for individuals and families who lose their homes after years of regularly paying their mortgage or rent. The idea is championed by the president of Fadeco Promotores, the Malagueño Ignacio Peinado, as reported by Diario Sur.
Peinado proposes a "housing subsidy" that would function similarly to unemployment benefits. "When a person who has been working for years loses their job, our system does not require the employer to keep them in their position. What we do is economically protect that person," argues the head of the employers' association.
The system would be aimed at those who have been fulfilling their obligations for years and suffer an unforeseen circumstance that prevents them from continuing to pay. "Individuals and families who have been regularly paying their rent or mortgage for years and suffer an unforeseen circumstance that prevents them from continuing to do so," specifies Peinado.
"The idea is a housing subsidy, similar to when the loss of employment activates unemployment protection"
The protection would consist of a public benefit to cover the cost of another home for a period of time. Its amount and duration would depend on family circumstances, economic situation, and previous compliance history, with maximum limits and objective income requirements to prevent fraud.
Peinado emphasizes that this is not about protecting squatters. "If a person enters a home by force or without title and is eventually evicted, that eviction should not generate the right to the housing subsidy," he stresses. The aid would not be the same for everyone, but could be linked to the duration of compliance with obligations.
To access the benefit, the affected person would have to leave the home they can no longer afford, "to avoid jeopardizing the legal security of the owner or creditor." According to Peinado, this would also reduce legal proceedings and alleviate the courts.
Regarding funding, the president of Fadeco Promotores assures that it would not have to represent an extraordinary burden on public accounts. "The creation of a housing protection fund could even be considered; a very small contribution distributed over a very broad base can build a strong protection network," he points out.
The proponent of the measure argues that it provides legal security to the owner and creditor, as it accelerates the exit of those who have stopped paying, while the tenant receives financial assistance for the following months. "It is not about rewarding non-compliance but rather about protecting compliance," he concludes.
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