This article talks about the consequences of COVID-19 measures’ on child/ren's joint custody and visiting rights of separated or divorced couples. COVID-19 and family law warning Family law is not an area of my expertise. However, I think it is useful to try to explain briefly how...

  This article comments the last Spanish Supreme Spanish Supreme Court ruling of March the 4th 2020 on usurious interest rate on credit cards. What is usury? Nowadays usury is defined as illegal or unproportionate rate to loans. See for instance this definition. Usury laws In the UK the usury...

  This article comments on the European Union Court of Justice ruling of March the 3rd 2020 on the eventual abusive mis selling of the IRPH variable interest rate in Spanish mortgages. The ruling After all the expectation we finally have the IRPH ruling which you can find...

  Dear all, This is a reminder of the emergency situation we are in since March the 14th that Spain is literally closed including non essential businesses (food suppliers, health services, public order, etc). The emergency declaration of the State can be found here in Spanish. Our...

  New situation of the plusvalia tax.   State of the art of the plusvalia tax in Spain In this post I refer to the situation of the plus valia tax. We recalled that the Constitutional Court and the Supreme Court had established that the plusvalia tax was not due...

  EUCJ General Attorney conclusions on the IRPH official mortgage rate in Spanish mortgages. IRPH. What is that? IRPH stands for “Índice de Referencia de Préstamos Hipotecarios” and it is one of the official interest rates applicable by banks to mortgages after the most used which is the...

  The Spanish Supreme Court ruling of September the 11th 2019 settles definitely the early cancellation stipulation issue included usually in all the consumers’ mortgage contracts. The end of the story? I think so. The Supreme Court ruling is very clear and fair and gives specific instructions on...

  Many banks forced “agreements” with clients trying to eliminate the floor clauses in exchange to better interest rates but without paying all the monies overpaid by consumers back or paying back just a small amount. The validity of these agreements is expecting a ruling from...

  Current situation of the plusvalia tax specially in the Valencian Region State of the art of the plusvalia tax in Spain In this post I tried to explain what was the plusvalia situation back then. Summarizing brutally the history was as follows:   The plusvalía tax is a...

  Notes on the new mortgage regulations in Spain New mortgage regulations The Act 5/2019 of March the 15th 2019 of the Spanish Parliament approved the new mortgage regulations. You can check the official journal here. Its complete name is Act of real estate contracts. The Act should...