歐洲法院廢止西班牙嚴苛止贖法律大綱

Campaigners in Spain hailed a resounding legal victory over the country’s banks and government when Europe’s highest court struck down a draconian foreclosure law that had come to symbolise the brutal fallout from the eurozone’s debt crisis.
歐洲最高法院廢止了一條已成爲歐債危機無情後果象徵的嚴苛止贖法律，這標誌着活動人士在對西班牙銀行和政府的法律鬥爭中贏得了一場巨大勝利。

The decision by the European Court of Justice will give Spanish courts new powers to delay or freeze the eviction of home buyers who have fallen behind on their mortgage payments. It will add to rising public pressure on the government in Madrid to change a tough mortgage regime which has allowed banks to evict tens of thousands of struggling homeowners.
歐洲法院(European Court of Justice)作出的裁決賦予了西班牙法庭新的權力，可以推遲或者停止驅逐拖欠按揭還款的購房者。這將爲本已受到公衆越來越大壓力的西班牙政府帶來更大壓力，迫使他們改變苛刻的按揭制度，該制度已使銀行逐出了數萬掙扎中的房主。

Soaring unemployment and the collapse of Spain’s debt-fuelled housing bubble have inflicted a heavy price on home buyers, who are frequently saddled with debt and exposed to the threat of eviction.
西班牙急劇攀升的失業率和債務驅動的樓市泡沫破裂，令西班牙購房者付出了巨大代價，這些購房者往往揹負鉅額債務，面臨被驅逐的威脅。

Spanish lenders have repossessed almost 400,000 houses and offices since the start of the crisis in 2007, sparking angry protests and a popular backlash. In some instances, home buyers were reported to have committed suicide days or even hours before their eviction date.
自2007年金融危機爆發以來，西班牙銀行已經收回了近40萬套住房和辦公室，引發憤怒的抗議和輿論反彈。在有的案例中，一些購房者在驅逐期限前幾天甚至幾個小時自殺。

Anti-eviction campaigners have collected almost 1.5m signatures to force parliament to debate a change in the law. The initiative wants to end the legal situation in which banks can demand full repayment of a mortgage even after it repossesses a house. Ada Colau, a spokeswoman for the Platform of Mortgage Victims, said the court ruling left Spain’s government with “no other option than to change the mortgage law”.
反驅逐運動人士收集了近150萬簽名，迫使議會就是否改變法律展開辯論。這項運動的發起人希望結束目前法律上的一個現狀，這就是銀行即便收回了房產也有權全額追償按揭貸款。“按揭受害者舞臺”(Platform of Mortgage Victims)女發言人阿達·科洛(Ada Colau)表示，法院的裁決令西班牙政府“除了更改按揭法律外別無選擇”。