El nuevo sistema de protección del deudor hipotecario establecido por el Real Decreto-Ley 19/2022

Résumé

This study examines the new mortgage debtor protection system established by Royal Decree-Law 19/2022, of November 22, which must be located within the broader context of consumer protection in the real estate market where it coexists with the recent modification of the tenant protection system by Royal Decree-Law 20/2022, of December 27. Specifically, we analyze the general aspects of Royal Decree-Law 19/2022, the extension of the Code of Good Practices of 2012, the establishment of the new Code of Good Practices of 2022, the modification of the regulation of subrogation and modification of mortgage loans, the modification of the system of compensations and early repayment commissions and the promotion of financial education for mortgage debtors in difficulties or at risk of vulnerability.