1. 90 days
You can owe up to three months without going into default. However, since the first day that falls into default the bank will claim the late fee and may complain to the judge but your house payment or total debt.
2. Negotiation
The Bank will seek to exhaust all possibilities before falling in the [...]

Good news for Spanish unemployed who feared for their mortgage payment: the council of ministers approved the extraordinary step by which they can be delayed for two years half the amount of your monthly payments up to a maximum of 500 euros per month.
This is a postponement, not debt forgiveness: The deferred amount will [...]

If you are not satisfied with the way your bank is your mortgage, or you’re less overwhelming interest or want to renegotiate your debt under new conditions, Barclays offers you the option to take your mortgage with them.
One reason to avoid change of bank in the case of mortgages is commissions and administrative costs [...]

It has generated an enormous amount of noise and rumors about the moratorium mortgage launched by the government and supported by the ICO, designed for unemployed, low income workers and entrepreneurs into receivership. Although in principle this is a noble initiative, the approach itself is full of gaps and ambiguities that suggest that perhaps the [...]

Banks use an equation in a triangle that covers the three main factors involving personal economy and housing prices, which are crucial to our ability to borrow: Income, Equity and Credit.
What requirements must I meet to apply for a mortgage?
Income: the rest of the relationship between what you earn (your actual income and taxable) [...]