Ley para reformar préstamos hipotecarios y proteger a los deudores
Modifica la normativa de préstamos hipotecarios para prohibir cláusulas que impidan calcular cuotas por errores financieros o falta de información. Obliga a las entidades a ofrecer un sistema de reclamación voluntario, suspender juicios por impago durante reclamaciones y proporcionar cuotas mixtas tras ellas.
Summary written by AI from the text. It can be wrong: the official text is what counts. How we do it
How it affects you
If you own a home: Si tienes una hipoteca o firmas una nueva, el texto prohíbe cláusulas abusivas y obliga al banco a informarte claramente sobre cuotas crecientes.
As a consumer: Si contratas una hipoteca, el texto prohíbe cláusulas abusivas y regula las cuotas crecientes para evitar intereses ocultos en nuevos contratos y en los ya firmados revisables.
It lapsed when the Cortes were dissolved for the election (6 October 2026): initiatives that had not finished their passage fall. To go ahead, it has to be tabled again in the new legislature.
SumarHow it was voted
The vote that decides the law: how many deputies voted for and against, and which side each group took.
Detail by group
PP136
PSOE120
VOX32Sumar25Mixto8
Junts7
ERC7
Bildu6
PNV5PP136PSOE120Vox32Sumar25GP Mixto8Junts7ERC7EH Bildu6PNV5Every vote on this law (2)
A law is voted several times: first whether to take it up, then the changes the groups propose (amendments), and finally the whole text. Tap one to see it in full.