Application for a moratorium on non-mortgage loans due to COVID-19
At BBVA, we can help reduce the impact of coronavirus
If you're a BBVA customer, you have a non-mortgage loan with us and you satisfy the conditions, you're eligible for the moratorium, which lets you postpone your payments for three months, although this period may be extendable. In other words, the payment will not be charged during the deferral period.
The application of the moratorium will modify the duration of the loan period, extending it by the same number of months as the moratorium.
Documentation required to request the moratorium on non-mortgage loans due to COVID-19
Employment status documents
- If legally unemployed: a certificate issued by the company managing the benefits that shows the monthly amount received for unemployment benefits or subsidies.
- In the event of a work stoppage by self-employed workers: certificate issued by the State Tax Administration Agency (AEAT) or by the competent body of the Autonomous Community, where applicable, on the statement of work stoppage declared by the applicant.
Documents from the individuals living in the property
- Family book or document certifying the registration as a civil partner.
- Census certificate for the individuals registered in the property, with reference to the time of presentation of the supporting documents and to the previous six months.
- If applicable, a declaration of disability, dependency or permanent disability to carry out an employment activity.
Affidavit from the borrower
Affidavit from all the borrowers indicating compliance with the requirements in place to be considered at the exclusion threshold, according to the form, by the Royal Decree-Law.
What if you don't have some of the documents?
If you request the moratorium but can't provide some of the documents required, you can replace it/them with an affidavit that includes an express justification for the reasons, related to the consequences of the COVID-19 crisis, that prevent you from presenting said document(s). Once the state of emergency and any extensions are lifted, you will have one month to provide any document(s) that you did not present earlier.
Moratorium implementation period
Regulation that lays out this process