Traduction de «Saisie hypothécaire » (Français → Anglais) :

17. Highlights that new forms of poverty touching the middle and working class are arising in some cases where difficulties in paying mortgages and high energy prices are creating energy poverty and increasing evictions and foreclosures; is concerned by evidence that levels of homelessness and housing exclusion are increasing; recalls that this represents a violation of fundamental rights; recommends that the Member States and their local authorities introduce neutral housing policies that favour social and affordable housing, tackle the issue of housing vacancy and implement effective prevention policies to reduce the number of evict ...[+++]ions;

17. Highlights that new forms of poverty touching the middle and working class are arising in some cases where difficulties in paying mortgages and high energy prices are creating energy poverty and increasing evictions and foreclosures; is concerned by evidence that levels of homelessness and housing exclusion are increasing; recalls that this represents a violation of fundamental rights; recommends that the Member States and their local authorities introduce neutral housing policies that favour social and affordable housing, tackle the issue of housing vacancy and implement effective prevention policies to reduce the number of evict ...[+++]ions;

18. Expresses its concerns about the mortgage situation in Spain, Ireland and now Greece, in particular about the waves of evictions which will generate large numbers of homeless persons; considers that the updated Spanish mortgage law is not consistent with the ruling by the European Court of Justice of 14 March 2013; calls on the Commission to urge Spain to guarantee the proper transposition of Directive 93/13/EEC; calls for a reform of the banking sector in such a way that it meets the needs of society by banning home foreclosures for unpaid mortgages; recommends to Member States that they adopt a tenure‑neutral housing policy to ...[+++]prevent housing bubbles;

E. whereas the worsening economic and financial crisis and the implementation of austerity measures, with falling wages and rising unemployment, in conjunction with high rents and rising mortgage repayments, are leading to an increase in the number of evictions and property seizures by banks, in particular in countries such as Spain, which has seen more than 400 000 house evictions since 2008; whereas the absence of datio in solutum engenders social and financial exclusion, which is a major obstacle to finding other accommodation;

With respect to mortgage contracts in the case of the principal home, consideration should be given to the possibility that, in the event of defaults in payments due to causes not attributable to the consumer, such as situations of unemployment, any evictions or foreclosures be suspended, applying a moratorium on monthly payments until the person concerned finds work, or replacing the mortgage payments with a lease-purchase option on that home, or setting a monthly rent that is less than 20% of that person’s income for a period of at least two years.

Where relevant, this shall include the exposure type, the percentage of loans more than 30, 60 and 90 days past due, default rates, prepayment rates, loans in foreclosure, collateral type and occupancy, and frequency distribution of credit scores or other measures of credit worthiness across underlying exposures, industry and geographical diversification, frequency distribution of loan to value ratios with band widths that facilitate adequate sensitivity analysis.