Social Housing Management
Access and Social Housing Management
At Banco Sabadell, we reaffirm our commitment to the responsible management of housing, offering solutions for customers in vulnerable situations and working to prevent the loss of their home and social exclusion.
This commitment is reflected in, responsible guidance, social collaboration and financial education, together with solutions that facilitate access to housing and enhance its sustainability, such as:
• Promotion of social and affordable rental, through construction and refurbishment projects carried out in collaboration with public entities and public administrations.
• Social financing for affordable housing support for, young people purchasing their first home, and Third Sector initiatives.
• Green mortgages,for the purchase or refurbishment of homes with high energy efficiency ratings.
• Energy-efficient home renovation, supported through financing aimed at improving energy performance.
In addition, we contribute to financial education and inclusion programmes through the Banco Sabadell Foundation and our corporate volunteering initiatives, helping people acquire the skills needed for responsible financial management.
We also, have assigned 79 properties to 37 non-profit institutions and/or foundations,supporting groups in vulnerable situations.
Social Housing Fund
Since 2013 , we have been part of the , Social Housing Fund Agreement (Convenio del Fondo Social de Viviendas, or FSV), a public initiative that provides social rental options to individuals who have lost their primary residence and meet specific income and vulnerability criteria. In January 2025, at the request of the Ministry of Economy, Trade and Enterprise, we renewed our commitment to the Agreement, once again confirming our adherence to the Social Housing Fund.
Situation of the FSV portfolio with the contribution of 416 properties as of 31/12/2025 based on the regulations
Interbank website to view and/or request available properties provided by all FSV participating banks: www.fondosocialdeviviendas.es (web interbancaria del FSV)
For more information:0901AdminFondoSocialViviendas@bancsabadell.com
Protection for customers in vulnerable situations
We implement measures to protect customers in vulnerable situations, applying the Code of Good Practices (CBP) and offering solutions such as loan restructuring, debt reduction in specific cases ,and, ultimately, a deed in lieu of foreclosure with the right to rent, in accordance with current regulations.
You can find more information about the 2022 Code of Good Practices and the amendment of the 2012 CBP below:
• Code of Good Practices 2022 – Royal Decree-law 19/2022
• Code of Good Practices 2012 – Royal Decree-law 6/2012 (Spanish version)
In addition, we design personalised alternatives for those experiencing financial difficulties, adapting our support to each individual case.
Do you have any questions? We’re here to help.