La crisis del Covid-19 está obligando a tomar nuevas medidas al Gobierno, sobre todo en el aspecto social. Hay una moratoria de alquileres en vigor que se ha decidido ampliar para proteger a las familias vulnerables. Este artículo proporciona más información acerca de las últimas medidas aprobadas.
La moratoria de alquileres y desahucios
Las medidas fueron aprobadas por el Consejo de Ministros el día 7 de julio de 2020. La normativa se ha promulgado bajo la denominación de Real-Decreto-ley 26/2020 de 7 de julio. Este paquete, que viene a prolongar o ampliar medidas ya tomadas anteriormente, se aprueba con el objetivo de consolidar un escudo social.
Por otra parte, hay que señalar que esta normativa es, sobre todo, una ampliación de medidas anteriores. Los rebrotes que se están dando en algunas zonas del país introducen un factor de incertidumbre. En consecuencia, es de esperar que en los próximos meses se puedan aplicar nuevas prórrogas.
Es importante señalar que los beneficiarios son, en general, particulares. Las empresas que se pueden ver afectadas son, básicamente, los grandes tenedores de vivienda y la banca.
1. Extensión de contratos de vivienda habitual
Las personas que estén en situación de vulnerabilidad pueden pedir, hasta el 30 de septiembre, una prórroga de 6 meses del contrato de alquiler. El resultado es que se podrá mantener la vivienda de alquiler durante este periodo y que el vencimiento de los contratos no sea un pretexto para desahuciar.
2. Moratoria en el pago de alquileres
La moratoria en el pago de alquileres se aplica en el caso de los grandes tenedores de vivienda. Como principio general, esto sucede con inmobiliarias y bancos. En este caso, es posible prorrogar el pago del alquiler hasta el 30 de septiembre. El objetivo es ofrecer una prórroga durante unos meses para facilitar las gestiones diarias.
3. Garantía de suministros básicos
Los suministros básicos como el agua, gas o electricidad, quedan garantizados hasta el 30 de septiembre. Esto prohíbe a las empresas cortar el suministro a las familias insolventes durante este periodo. La idea es mantener durante este tiempo una cobertura mínima en el hogar. Es posible que, cuando se acerque el invierno, se tengan que tomar nuevas medidas para prolongar este periodo.
4. Moratoria para el pago de préstamos hipotecarios
El pago de los préstamos hipotecarios también se aplaza. Esto significa que, hasta el 30 de septiembre, también se podrá solicitar el atraso del pago. La consecuencia, una mayor tranquilidad ante este contexto para poder refinanciar el pago de la deuda. Esto no es incompatible con los acuerdos a los que lleguen prestamista y prestatario.
Conclusión
Las medidas que se toman ante el Covid-19 tienen la particularidad de ser, en ocasiones, repentinas. Por esta razón, te conviene, y mucho, contar con un asesoramiento legal que te pueda indicar los cambios normativos. Esto te proporcionará tranquilidad y la posibilidad de realizar gestiones ante la Administración.
La Gestoría Fiscal Contable te proporciona toda la información necesaria para que puedas tomar decisiones. En consecuencia, es una buena idea consultarnos cualquier duda que se te presente, seas particular o autónomo.
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