What role the CIRBE plays in applying for a loan

The information contained in the CIRBE loan applicant is provided by earrings

The information contained in the CIRBE loan applicant is provided by earrings



We have finally found the home of our dreams and now it’s time to seek funding. But, how do we know the bank will give us a mortgage? Institutions offering loans and credits offer some aspects to help decide if money is left safe and what is the maximum amount and what is the chance to cut it- Sonayagema bad credit personal loan. In this decision, the revenue in the game includes guarantees and, very importantly, debts are already acquired. The latter is the CIRBE.

Bank of Spain Risk Information Center (acronym comes from CIRBE), a record. This is where the banks of the country appear to have a large majority of their loans, credits, and guarantees. In other words, it collects all unpaid debts, which is a database that maintains a client or an endorsement, when it has a value of over € 9,000. Therefore, it is helpful if it is a very important tool if we give a loan to the bank or not, based on our solvency.

It is important to note that the CIRBE is not a long list because not all of its debt payments are deducted from the payment of its contributions, but rather the loans, credits, mortgages and other risks maintained by banks with their clients. However, some of the significant data of continuity remain in the database as well. if it exists

How does the CIRBE work?

This database is updated monthly. Bankers themselves are the ones required to provide all the necessary information so that the registration can be a secure source of public nature but a private consultation.

This means that any person who has the right to consult and, by request, the information on the Bank of Spain’s personal debt. In the same way that we ask for a loan from our bank, at the moment, the CIRBE reserves the right to consult our data within the CIRBE, without having to be explicitly agreed upon by the client, but always inform you that this will be done.

However, both the bank’s limitations on a customer’s data are. The general information only of the CIRBE, according to the Bank of Spain, extends to a person’s risk or business. This means that the bank will not handle a list of all of them and each of our debts, but rather their general attitude.

In fact, one of the first actions carried out by a bank is to give it a mortgage when we ask for it. Because, beyond the stability of our profession, we present our payment capabilities and endorsements, the risk that we now have as a customer comes from what has already been resolved by debt. It is important that CIRBE is in possession of any loan because it can act as opposed to ours.


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Ecuador performs 1,500 assistances about evictions in Valencia and achieves eight dations and four social rents


The Consulate of Ecuador in Valencia has made 1,500 legal assistance to compatriots on evictions, of the 12,000 counted throughout Spain in the last two years, and has achieved eight dations in payment and four social rents. In addition, for about half a year has driven the formula of accompaniment during the judicial process, with one hundred cases in Valencia of the state 500.

This has been pointed out to Europa Press by the ambassador in Spain, Miguel Calahorrano, in an interview on the occasion of his participation in an advisory meeting on this subject with the Ecuadorian community affected by the mortgage crisis in Valencia.

According to a first “speculative consideration”, they could be in that situation “between 15,000 and 20,000” of the 38,000 Ecuadorians residing in Valencia, although they finalize the realization of “a census to measure the true number of affected” in order to “elaborate a plan to support the population more adequately, more accurately “.

With his visit to Valencia, the ambassador closes the first phase of the collective consulting workshops scheduled at the Consulates of Ecuador in Madrid, Barcelona, ​​Murcia and the capital of Turia, which will be followed by contacts to “assemble a network of special attention” in “places where there is no consulate or fixed points” of assistance.

Calahorrano stresses that “the objective is to ensure that not a single Ecuadorian living in Spain can assist in a legal defenselessness in their litigation with the bank”, for which he also urges his compatriots to “set up committees”. “We seek to organize to address their own defense and we work in close connection with the Platform of Affected by Mortgages (PAH), with which we have mutual solidarity agreements and joint action,” he says.

In this sense, considers the Consulate in Valencia as “a fundamental point of support,” where they have made 12.5 percent of assistance on legal issues of the last two years and 20 percent of the accompaniments in about half year, with the result of eight dations in payment and four social rents.

The ambassador of Ecuador stresses that being affected by an eviction process and becoming homeless “is a very painful problem”. “It is the most serious thing that can happen to our people, although we know that with the crisis it is also affecting the Spanish people and what we most want, is that it touches bottom for the well-being of our compatriots and also of the Spanish people,” he stresses.

Along with these actions in mortgage matters, Ecuador has launched a series of plans to promote return to the country, such as the one that will give 2,500 hectares of land to 400 families throughout Spain when they return to their homeland, “some of them from Valencia “, or those designed to encourage the return of teachers and doctors.

In April, the president of Ecuador, Rafael Correa, visited Valencia to thank for the great support he received in the last elections, which in Valencia exceeded 88 percent, and guaranteed that they will never fail the migrants or leave them alone because “the motherland It has a huge debt “with them, since” they sustained the economy after the 1999 crisis “with the remittances they sent.

In his program ‘Citizen Link’ 318, he criticized the system of “everything in terms of capital” and denounced that “the Law of Evictions is immoral, it is criminal and involves spending all the cost, all the risk, on human beings, when the risk must be from capital. “

“We are left homeless and indebted ,

That is immoral “

“We are left homeless and indebted, that is immoral, there must be dation in payment and the risk must be shared, at least,” claimed Correa, who argued then that “the citizens are debtors in good faith, but the banks were opportunists, irresponsible, they lent in excess and do not want to assume their share of responsibility “.

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The partner of 'Price Waterhouse' alleges not knowing the accounting irregularities of Mercasevilla

José Ignacio Alonso Rivero, partner of the auditing company ‘Price Waterhouse Coopers SL’ and accused in the alleged corporate crime that judge Mercedes Alaya investigates regarding the previous management of the mixed company Mercasevilla, defended this Thursday before the judge that no he knew the numerous “irregularities” that originated the accounting mismatch suffered by this company practically public and that neither he nor his company advised or prepared the Mercasevilla accounts nor did they participate in “the application of the result”.

José Ignacio Alonso Rivero, partner of the auditing company ‘Price Waterhouse Coopers SL’ and accused in the alleged corporate crime that judge Mercedes Alaya investigates regarding the previous management of the mixed company Mercasevilla, defended this Thursday before the judge that no he knew the numerous “irregularities” that originated the accounting mismatch suffered by this company practically public and that neither he nor his company advised or prepared the Mercasevilla accounts nor did they participate in “the application of the result”.

José Ignacio Alonso Rivero has lent this Friday before Judge Mercedes Alaya as accused, as a necessary cooperator, in a continuing offense of misappropriation of public funds and a corporate crime continued in its face of falsehood in the annual accounts.

Specifically, the judge attributed to Alonso Rivero a total of 14 cases by its participant in the “examination and verification of the annual accounts of Mercasevilla 2008 and previous years that affect the latter.” Mercasevilla, according to Judge Alaya, declared profits of 258,024 euros thanks to its 2008 accounts when, in reality, the losses amounted to 7,885,285 euros, with which the company’s board and Price Waterhouse Coopers SL, as a contracted company to audit the accounts, they “intentionally omit certain inadequate accounting practices”.

The judge, in that sense, details that in the accounts of 2006 and later in 2008, Mercasevilla accounted as first income 329,738 euros and then 851,658 euros thanks to the payments committed by the company ‘Sanma Desarrollos Urbanísticos SA’, for the contract of the purchase option for the land of the central market, when said amounts “by virtue of the principles of faithful image and prudence”, should be accounted as “liabilities” as the best way to reflect their true “nature”, especially on account of the “more than remarkable possibility of having to return them”.

The social assistance foundation

The judge also points out, among other aspects, that the balance at December 31, 2008 of Mercasevilla had a credit amounting to 423,375 euros corresponding to the debit balance that the Mercasevilla Socio-Assistance Foundation had with it despite “evidence of the impossibility of its collection, given the economic precariousness of the Foundation “. “The accused today could know that the Foundation lacked economic financial means to deal with the payment of said debt,” warns the judge.

The judge also points out sanctions worth 369,856 euros imposed by the Directorate General of Fisheries and Agriculture and not accounted for in 2008 and the liability of 9,046,977 euros relating to the cost of the famous employment regulation file (ERE) undertaken in 2007 with the early retirement of 40 employees, since this amount should have been included as a “loss” due to the lack of “legal formalities” of the payment commitment of the Andalusian Regional Government, which is finally separated from the financing of this procedure, the cost of which has fallen entirely on Mercasevilla .

The judge also points out an extraordinary retirement bonus that was paid in 2008 to nine workers worth 256,624 euros and that “was not accounted for as an expense” and 76,000 euros given to the fish wholesalers association of Mercasevilla “for alleged advisory services and reimbursement for the purchase of pallets “without” invoices with the appropriate formal requirements or contract that reflects the conditions or scope of the services to be provided “. Similarly, the judge points out 30,328 euros also delivered to the association of fish wholesalers as “payments for which invoices were not issued with the appropriate formal requirements and without there being a contract that covers the conditions or scope of services to lend. “

He denies everything

Faced with these accusations, and according to the declaration statement collected by Europa Press, José Ignacio Alonso Rivero has defended that from “Price Waterhouse Coopers SL” “any irregularity was not known” and that they “are investigated at this moment”. Regarding the items related to the purchase option contract of Sanma, it has defended that they were considered as income because the only possibility that the amounts were returned “was in the event that the purchase option was not exercised and it seemed fully unviable, because the PGOU configured as a residential area “the soils of the central market alienated in favor of Sanma.

On the debt of the Socio-assistance Foundation, he stated that he did not know “the economic reality” of the same, neither his losses nor his “confusion of personnel” with Mercasevilla, since with respect to the liabilities of nine million of the ERE of 2007 alleged that at the end of 2008 “in any way” was known the lack of financial support of the procedure because the insurance policy of annuities contracted with the bank Vitalicio, which included the Junta de Andalucía as source of payments, “established exactly the amounts to be paid by the Board “and Life” was an absolutely relevant entity “. The participation of the Board in the financing of the ERE, according to this partner of the auditor, was “indubitable” despite the fact that the rental insurance policy was not signed by the Junta de Andalucía.

The accused, in that sense, explains that a letter of demonstrations signed in February 2009 by the then mayor of Seville, Alfredo Sánchez Monteseirín, discarded in Mercasevilla “commitments for pensions or work benefits.” On the extraordinary prize of 256,624 euros for nine retired workers, the defendant has claimed to be unaware of such extreme and on the amounts given as a “liberal” to the association of fish wholesalers has argued that he had no record that “this could be a liberality or gift “, because” if this were the case, the management would have been informed of the purpose of having an answer “, with the possibility of raising this point to the” risk department “of the auditing company.

Trips to vietnam

As for the trips to Vietnam of the then deputy director of Mercasevilla Daniel Ponce, this partner of the audit company defends that in the sampling carried out then “nothing appeared” of this matter and that, in principle, “the travel expenses are not activables “. Finally, he has defended that neither he nor his company advised or prepared the Mercasevilla accounts “nor the application of the result” and that the tool of the audit of accounts is “a fixed photo at the end of an exercise”.


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Financing, demography, civil protection … the agreements of the VI Conference of Presidents



VI Conferencia de Presidentes

General view of the meeting of the VI Conference of Presidents. Juan Carlos Hidalgo / EFE

They have had to spend more than four years so that the Senate returns to be the scene of a new Conference of Presidents . With the appointment of this Tuesday, the head of the central Executive and the autonomic leaders, as well as those of Ceuta and Melilla, recover the multilateral dialogue and the great agreements between administrations.

The idea is that in this meeting, which is attended neither by the President of the Generalitat of Catalonia, Carles Puigdemont, nor the Lehendakari , Iñigo Urkullu, will sign a dozen agreements on different issues .

Some of the pacts are initially closed because they have been negotiated in previous meetings over the last few weeks and almost all of them have concrete deadlines. The strategy on demography, for example, should be done throughout the year and the National Civil Protection Commission, before the end of March.

Financing and dependence

The most important issue is territorial financing, design a new system that replaces the one in force since 2009 and that should have been reformed in 2014 . The prepared draft agreement states that in a month there will be a commission of experts to discuss a proposal, which Treasury sources believe could be ready before summer. However, it is difficult to hazard deadlines to a process that almost all parties involved are arduous and complex .

This reform is a demand of all communities, which also agree on the need to ensure sufficient resources for Health, Education and Social Services, with special attention to the Unit. On this last aspect, many regions complain that they pay more than 50% that they should assume. The Government admits that this chapter be studied, but also others that the State co-finances, such as disability or housing policies.

The reform of the financing model is a demand of all the communities The conclusions reached by the commission of experts will be taken to the Fiscal and Financial Policy Council for its approval and afterwards, they will have to be translated into a project to reform the Law Organic Funding of Communities, which will be sent to Congress. The norm will require for its approval an absolute majority , which will force the PP to negotiate with other formations.

The president of Andalusia, Susana Diaz , will ask at this point to put “a maximum ceiling and a minimum cap” on taxes ceded to the autonomies, such as Heritage and Probate, and to establish a financing of public services as the average cost of provision. The Andalusian Executive, which claims to be “underfunded by an average of one billion euros annually,” claims that this reform of the system begins “already.”

For its part, the president of the Valencian Regional Government, Ximo Puig , has come to the conference with the intention of asking that the reform of the regional financing system be closed next September and that it be retroactive to 2014, and has claimed to restructure or cancel the debt corresponding to the underfunding. It has also defended the need for an agreement on investment in infrastructure, analyzing the existing delays that do not respond to any technical logic, as occurs with the implementation of the Mediterranean Railway Corridor. Its objective is to alleviate the state infrainvestment in the Valencian Community.

The Spaniard Miguel Angel Revilla relies on an agreement to guarantee the effective cost of public services within the system of regional financing, because it is “something elementary” that any citizen, living where life, is entitled to the same benefits , ” even though its cost is not equal in all the territories of Spain “. Revilla will also defend a fairer distribution of the deficit target between the central and regional administrations.

In similar line, from Madrid, its president, Cristina Cifuentes , advocates a “new fair model,” that “does not penalize the people of Madrid” and that ensures that all communities have resources to provide essential public services in homogeneous conditions. This regional executive is committed to achieving a Pact for Health that guarantees equity and sustainability of the National Health System, to address issues of financing, access to high-cost drugs, technological renovation, service portfolio or waiting lists.

Demographic imbalance

The Government is committed to developing this year with the communities a national strategy against aging, the depopulation suffered by many territories and the effects of the floating population, according to the draft of another of the agreements. From the Conference will come the promise of drafting a National Strategy to face a delicate situation.

The Executive is committed to developing a national strategy against aging, depopulation and the effects of the floating population. This document has worked especially Castilla y León, Aragón and Galicia , especially affected by this problem, but also has the contribution of Balearic Islands as one of the regions that suffers the opposite situation: a massification at specific times for tourism.

The Aragonese Government points out that aging, depopulation and dispersion must have a “special impact” on the financing system because the cost of public services “becomes much more expensive” .

The solution to the demographic imbalance, according to the draft, requires a national strategy with measures to support families, young people, integration of immigration and rural development.

Galicia, for example, aspires to give a “greater boost” to the programs of promotion of the birth rate and to “put the subject of demography in the national focus”.


Another relevant issue for several communities, for example for Castilla-La Mancha, is the one that refers to how to recover the replacement of officials who retire and whose gaps have not been covered in the years of economic crisis, except in basic services.

The draft prepared ensures that you want to strengthen public templates and that the needs of each community will be analyzed, without further details. The objective is “the balanced and sustainable strengthening of the personnel in the whole of each Administration”.

This agreement also includes the guarantee that work will be “loyally and jointly” in order to enhance the geographical and functional mobility of officials between administrations.

Education and employment

The Conference will also approve an agreement so that the regions participate in the educational debate , contributing proposals in the General Committee of Communities of the Senate, which will hold a monographic debate on this issue.

The Conference will also approve an agreement for the regions to participate in the educational debate. At the request of the autonomies, another agreement on employment has been included, which includes issues such as a commitment to modernize public services, and the promotion of vocational training and policies for young people.

Cifuentes, for example, will put on the table the need to reach a great national pact that brings together the consensus of all educational agents and of society as a whole.

In this sense, Aragón has been one of the communities that has recalled its rejection of the Lomce and the need for that pact.

Social helps

Attendees at the meeting will agree on the other hand the creation of a social card that collects the aid that each citizen receives from all administrations and that is key to access the Registry of Public Social Benefits. Within three months a working group will be created.

An agreement on the electric bond has also been agreed.

European affairs

Among the agreements reached is also the commitment that the autonomies participate in the affairs of the European Union and in making community decisions, many of which affect them.

Andalusia will state that “Spain leads in Brussels a decent response to the humanitarian crisis of refugees with sensitivity, empathy and cooperation, against the cruelty of recent times.”

Civil protection

The presidents will also agree on the creation of a Civil Protection Commission in which all administrations coordinate and provide means to deal with emergencies.

An annual Conference

The appointment will also serve to determine the proper functioning of the conclave, which should be organized once a year .

The president of Extremadura, Guillermo Fernández Vara, and the one of Asturias, Javier Fernández, share the criterion that an organ of this type should be included in the Constitution .

The modification of the regulation of the Conference contemplates that there is a follow-up commission that ensures compliance with the agreements reached.

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Ipar Kutxa closed 2009 with a profit of 13 million, 5.1 percent less than in 2008

The entity’s own resources amounted to 259 million and increased by 4.25 percent the credit to families and businesses


The Basque credit cooperative Ipar Kutxa closed 2009 with a net profit of 13 million euros, 5.1 percent less than the 13.7 registered the previous year, according to a press release.

Ipar Kutxa indicated that this decline is motivated, to a large extent, by the policy of “immediately” transferring interest rate decreases to the majority of clients, and has been compensated, fundamentally, by the reduction of the administration by 8.8 percent and by the containment in the increase in delinquency.

He added that, despite the general financial crisis that has characterized the last financial year, the entity has managed to “increase its banking activity, keep delinquency at bay and increase its liquidity ratio”.

At the end of the year, Ipar Kutxa’s net liquidity reached the figure of 287 million euros, which represents a coefficient of 14.5 percent, “well above the industry average”.

The cooperative stressed that it is a “particularly relevant” data in the context of the liquidity problems that have been affecting the financial system as a whole since the beginning of the crisis.

He also stressed that the wholesale financing in the entity only constitutes 17.1 percent of the balance, a figure that represents half of what this type of financing entails in all the banks and savings banks of the State.

On the other hand, and against the “general trend of brake” to the granting of loans, Ipar Kutxa increased by 4.25 percent the credit to families and businesses, which reached the figure of 2,394 million euros.

Also, the cooperative stressed that its commitment to the Basque business fabric is seen in the increase in credit investment with companies in more than 30 percent.

He also highlighted the volume of loans agreed with the Basque Government, where, of the 19 financial entities that have participated in the agreement, Ipar Kutxa was the fourth, with a quota of 8 percent.

Default rate

As indicated, all this has been done keeping “under control” delinquency rates in a ratio of 2.32 percent, less than half the system, and with a coverage of doubtful loans that stands at 103.81 per hundred. Ipar Kutxa said that they have a generic coverage that is at maximum levels of 125 percent and unused.

Ipar Kutxa’s own resources amount to 259 million euros, which represent a solvency ratio of 14.9 percent (TIER1 and Core Capital of 12.7%), which surpasses, “amply”, the Bank’s demand for Spain (8%).

On the other hand, the resources managed by the private sector rose to 2,193 million, which represents an increase of 8.72 percent. In this section, highlights the growth of Izarpension EPSV (+ 18.2%), investment funds (+ 16.3%) and savings at sight (+ 16.3%). Overall, banking activity reached 4,694 million euros.

The cooperative also highlighted that the objective quality study in banking networks of the Basque Country carried out in 2009 by the specialized company STIGA places Ipar Kutxa in first place – the IQUOS 2009 index – with respect to financial institutions based in Euskadi.

According to said, this data has also been corroborated with the Omnibus 2009 study carried out by the consultancy Ikerfel, where it was concluded that 94 percent of the cooperative’s preferred customers are satisfied (average of 4.3 out of 5) of the quality of service rendered, compared to the average of the rest of the entities, standing at 70 percent (average of 3.8 out of 5)

Ipar Kutxa promoted in 2009 the creation of the non-profit gbe-ner association, which brings together ten Basque business organizations and more than 1,300 people. The initiative promotes a style of relationships based on people and develops social and business projects. For this, each company voluntarily contributes with 5 percent of its annual result and 2 percent of its people’s time.

The cooperative has launched a pioneering campaign, in line with the philosophy of a large part of its clientele. The contributions to Izarpension EPSV during the year 2009 have added Ipar-Puntos and generated donations for charity projects selected by the clientele among 14 NGOs of recognized trajectory and prestige.

Ipar Kutxa currently has a staff of 405 people, more than 90 percent with a fixed contract and a portfolio of 155,000 clients. The commercial network includes 92 branches in the main population centers of Bizkaia, Álava and Gipuzkoa.

The entity indicated that, in a general context of containment, it has undertaken its expansion plan in the Gipuzkoa territory, inaugurating three new offices in 2009 in the towns of Tolosa, San Sebastián and Hernani, and foresees two new openings in Eibar and Beasain to the first quarter of 2010.

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