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Eurofound's EU PolicyWatch collates information on the responses of government and social partners to the COVID-19 crisis, the war in Ukraine, rising inflation, as well as gathering examples of company practices aimed at mitigating the social and economic impacts.

Factsheet for measure ES-2020-12/505 – measures in Spain

Mortgage debt moratorium

Moratoria de deuda hipotecaria

Country Spain , applies nationwide
Time period Temporary, 18 March 2020 – 30 September 2020
Context COVID-19
Type Legislations or other statutory regulations
Category Measures to prevent social hardship
– Keeping or obtaining a safe home
Author Carlos Molina (UAB)
Measure added 12 April 2020 (updated 25 November 2020)

Background information

The Council of Ministers approved in the Royal Decree 8/2020 a moratorium on the payment of mortgages for the first home of vulnerable families who have seen their income falling or are unemployed as a result of the coronavirus. The measure will be in force the same period as the Royal Decree (that is, one month), but at the same time they have left the door open to extend it if necessary. The financial sector was told in the morning that the moratorium could be extended to one additional month if necessary.

Content of measure

Vulnerability in relation to this moratorium is understood in the following terms:

  • When the mortgage debtor becomes unemployed or, in case of being an entrepreneur or professional, suffers a substantial loss of income or a substantial drop in sales, at least 40%.
  • When the total income of the members of the family unit does not exceed, in the month prior to the request for the moratorium the limit of three times the monthly Multiple Effects Public Income Indicator (hereinafter IPREM). This limit will be increased by 0.1 times the IPREM for each dependent child in the family unit or in case of family members with disability.
  • When the mortgage payment, plus basic expenses and supplies, is greater than or equal to 35 percent of the net income received by all the members of the family unit.
  • When as a consequence of the health emergency, the family unit has suffered a significant alteration in its economic circumstances. In particular, when the effort that represents the mortgage burden on the family income has been multiplied by at least 1.3.

Use of measure

There is no estimate on the number of persons / families who might benefit from this measure.

Target groups

Workers Businesses Citizens
Other groups of workers
Does not apply to businesses Does not apply to citizens

Actors and funding

Actors Funding
National government
Company / Companies
No special funding required

Social partners

Social partners' role in designing the measure and form of involvement:

Trade unions Employers' organisations
Role No involvement as case not in social partner domain No involvement as case not in social partner domain
Form Not applicable Not applicable

Social partners' role in the implementation, monitoring and assessment phase:

  • No involvement
  • Main level of involvement: Unknown


This policy measure does not belong to the labour relations domain.

Views and reactions

Both trade unions and employer organisations were supportive of this measure.


  • 18 March 2020: Royal Decree-Law 8/2020, of March 17, on extraordinary and urgent measures to face the economic and social impact of COVID-19. (


Eurofound (2020), Mortgage debt moratorium, measure ES-2020-12/505 (measures in Spain), EU PolicyWatch, Dublin,


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Disclaimer: This information has not been subject to the full Eurofound evaluation, editorial and publication process.