Application for a moratorium on non-mortgage loans due to COVID-19

At BBVA, we can help reduce the impact of coronavirus

Royal Decree-Law 11/2020, published on March 31, details the urgent and extraordinary measures to address the socioeconomic impact of COVID-19 and describes the conditions, documents and timeline for requesting the suspension of payments on non-mortgage loans.
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.
Simulator for the moratorium on non-mortgage loans
With our simulator, you can easily find out if you are eligible for the legal moratorium on non-mortgage loans (RD 11/2020).

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

Once your application has been received and the necessary documentation for your case has been reviewed, we will implement the moratorium within 15 days.

Regulation that lays out this process

Royal Decree-Law 11/2020, published in the Official State Gazette on April 1, 2020.
Request sector moratorium
Find out what it is and how to request the sector moratorium on a BBVA mortgage or consumer loan.