14 Jan 2009 10:40 AM:Dear Rin tin tin:
The last decision is in your bank. I do recommend you to claim (in written) for this option (DACION DE PAGO), keeping a copy of your application; they will study your case (checking the remaining debt and the current value of the house) and will consider if they are interested or not in receiving the house as a payment of the debt you hold with them (or part of the payment, partial dación de pago is possible).
However, you must know that the decision, as I said, depends on them. Some bank are reasonable happy (...) to carry out this business, other are not so glad to do it.
It depends on the bank and the case, I repeat.
Kind regards,
Patricia Morales Sevillano
Lawyer
http://pmsabogada.blogspot.com
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