He was also told that he had sailed in countries not included in his offer, with which the bill amounted to 14,071.88 euros, so this neighbor of Ermua decided to claim. In a first complaint, Vodafone accepted the return of 6,562.33 euros, but the client was not satisfied and went to his municipal consumer office, which referred the case to Kontsumobide for processing before the Rams Depth Chart Consumer Arbitration Board. As a result of the mediation of these institutions, Vodafone agreed to pay the injured user an additional 7,323.32 euros, implicitly implying the acknowledgment of the error and the correction, according to Kontsumobide. This institute recalled that the arbitration channel is the fastest and most economical way to resolve consumer disputes, which is why it recommends companies to adhere to it and consumers to opt for adhered establishments. Spanish homes every time they allocate more salary to pay the mortgage. In regions such as Madrid and the Balearic Islands, the payment of this loan takes almost 30% of the average salary, a percentage that could also grow to pre-crisis levels (close to 45%) if there is an abrupt increase in interest rates.
Rams Depth Chart
This is confirmed by the rating agency Moody’s in a report published this morning. A document that highlights the remarkable differences that exist between regions, since while in Madrid and the Balearic Islands almost one third of the salary is needed to pay the mortgage, in others such as Navarra and La Rioja this “effort” is around 18%. “The market has two speeds,” explained analyst Miguel Lopez Patrón.
Moody’s also analyzes the mortgage market, showing that the percentage of loans on the value of real estate is at historic highs in Spain due to the rise in housing prices, although loans above 80% have fallen to 13% The analyst and vice president of the agency, Rams Depth Chart, warns however that access to credit “has become very complicated in recent years, especially for young people.” Of course, from the rating agency also ensure that the mortgage market continues to enjoy good health and that Spaniards are increasingly “more solvent”. In addition, they highlight the significant increase in fixed-rate loans, which already represent more than 40% of the total. On the impact of reforms such as the mortgage law or the new rent rule, analysts of the company maintain that “it is still early” to see the impact of these measures, although they recognize that “there have already been examples of interventionism”.