We can define the bank loan as an operation, covered by a contract, that allows a person, natural or legal, to acquire a certain good or service, finance a personal or business project, etc. thanks to the fact that a bank or credit entity advances, in one go, the capital or money necessary for it, in exchange for returning it under certain conditions previously agreed between the parties (terms, interest, commissions, penalties in case of non-compliance, etc.).

It follows that two parties are involved in the contractual relationship: the bank or credit institution (creditor) and the borrower (debtor).

There are times when the bank or credit institution is satisfied

 with the financial solvency that the 직장인대출 applicant accredits for its granting , but there are also occasions when the entities require more and/or greater guarantees so that the operation does not run the risk of failing, for What guarantees are required, whether personal (guarantors or guarantors) or material (a property in the case of a mortgage loan).

That, in the 4 years prior to the request, the family unit has suffered a significant change in its economic circumstances. It is understood that they are in a family circumstance of special vulnerability, among others, large families, the single-parent family unit with dependent children, debtors over 60 years of age, the family unit of which a minor is part, a more than 33% disabled or a victim of gender violence.

the purchase of the only home owned by the debtor/s. That the mortgage payment is greater than 50% of the net income received by all the members of the family unit.

For the application of the complementary and substitute measures of foreclosure referred to in sections 2 and 3 of the Annex, it will also be necessary that the following requirements are met:

The entity must be aware of our economic, employment,

 personal situation, etc. that we may be going through and that supposes a difficulty for the faithful and exact fulfillment of the obligations, but that gesture will demonstrate good faith and predisposition for it, which can favor the understanding and the agreement of wills necessary to achieve the end.

In the judicial way, an important novelty is also introduced and that is that the judges have the legitimacy to assess and declare the abusiveness of any clause (such as the floor clause ), which may mean leaving the foreclosure null and void or declaring the foreclosure but without applying those considered abusive.

The consequence of the breach of the payment obligation

by the debtor is the creditor’s right to demand payment : the payment of the debt generated up to the moment in which he decides to claim; the payment of the capital that was pending settlement (because the bank rescinds, resolves, cancels the loan agreement in advance); the payment of the interests that the debt accrues from the time it is generated until it is settled in its entirety; and, finally, if you claim through a lawsuit, the costs (lawyer fees and rights and supplies of the solicitor acting on behalf of the bank).