Gerardo Parejo Fernández. Abogado Asociado.
Según han informado fuentes de la Vicepresidencia Social y Económica y del Ministerio de Transportes, Movilidad y Agenda Urbana a diversos medios, el día de ayer se alcanzó acuerdo sobre el Decreto que será aprobado en el Consejo de Ministros que se celebrará hoy martes, y que tiene la finalidad de establecer ayudas a los arrendatarios de vivienda que hayan sido afectados por la crisis del COVID-19.
Sin perjuicio del texto final del Decreto, el borrador que en este momento está sobre la mesa recoge las siguientes medidas:
1.- Microcréditos para inquilinos vulnerables: se pondrá a disposición de aquellos inquilinos que se encuentren en situación de vulnerabilidad una serie de microcréditos a través del ICO, sin intereses ni comisiones, y a devolver en 6 años, pudiendo prorrogarse 4 años más. El importe máximo de las ayudas será de 900 euros al mes para cubrir el principal del préstamo con los intereses. A estos se añadirán otros 200 euros como máximo para gastos de comunidad, mantenimiento del inmueble o suministros básicos.
Podrán acogerse a estos microcréditos todas las personas en situación de desempleo, que estén afectadas por un ERTE, reducciones de jornada, y autónomos que no lleguen al límite de 3 veces el IPREM (con sus respectivos incrementos por hijos y dependientes a cargo.
Para aquellas familias que no pudieran afrontar el pago de estos microcréditos el Estado pondrá a su disposición ayudas directas para saldar su deuda. La cuantía de la ayuda podrá llegar hasta un importe máximo de 900 euros al mes y hasta el 100% del principal e intereses del préstamo, y de 200 euros al mes para atender los gastos de mantenimiento, comunidad y suministros básicos con el límite del 100% de los mismos.
2.- Moratoria de alquileres: se aplicaría sólo para supuestos de grandes arrendadores (más de 8 inmuebles en propiedad) y fondos de inversión.
Aquellos arrendatarios que estén en situación de vulnerabilidad podrán beneficiarse de una moratoria de 4 meses, transcurridos los cuales arrendador y arrendatario deberán alcanzar un acuerdo sobre la forma de pago de la renta no abonada durante este periodo. A falta de acuerdo, se establecerá bien una quita de la deuda del 50%, o bien un pago prorrateado en un plazo entre 2 y 3 años.
3.- Suspensión de desahucios por impago de alquiler: se aplicará especialmente para hogares vulnerables sin alternativa habitacional, y estaría vigente hasta 6 meses después de la finalización del estado de alarma.
4.- Prórroga extraordinaria de 6 meses: aplicable a los contratos de arrendamiento de vivienda habitual y con las mismas condiciones, que supondría impedir que a ningún arrendatario con contrato vigente se le pueda elevar la renta durante el próximo medio año.
Finalmente, en el Consejo de Ministros también se debatirá sobre si algunas de estas medidas, u otras nuevas, se amplían a los contratos de arrendamiento de locales comerciales. Una vez se encuentre publicado el texto íntegro del Decreto realizaremos el correspondiente análisis en nuestra página web.
Photo by Brandon Griggs on Unsplash
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