google.com, pub-6663105814926378, DIRECT, f08c47fec0942fa0 Around the World JM


Tirampi yukreenil 28 ximmo le sirri ekraaro


Ameerika Rusiya Lih Walalak Yukreen Addal Geytimta Qeebi Soolisoonuh Qusba 28 Ximmole Ikraaro Bicisak Geytimtaah, Qado Qari Kiev Kee Awrobah Xaylo Ogoltam Faxxa.


Trump Xiinissoh Abba, Rusiya Lih Cattiimak, Ukrain Baaxoh Addal Geytimta Carbi Soolisuh Qusba Ekraaro Bicisak Geytimtam Axios Lih Walal Abteh Tan Ameerika Kee Rusiyah Mirocti Qaddosse.


28-ximmo le Ameerikah Ekraaro, White House, Pirezdant Tirampi "Gaaza Salaam" Axcuk Qaddoose. Ruusiyah Miraacini Axios Elle Qaddosennal, Tama Ekraarol Kaxxam Ruffa Edde Iyyem Takkay Ikkah, Ukrain Kee Awroppah Baaxooxah Baaxooxah Xaylo Elle Geytimta Innal Akah Geytannah Abaanam Faxximtam Awayih Uddur Qaddoosen.


Tama ekraarol 28 ximmooma, Axios' raceenaani elle tascassennal, affara exxal kurruumak geytimta : Ukrain addal salaam, amni caabi, Awroppah addal amni, kee Ameerika Rusiya kee Ukrain luk abta angaaraw.


Tama ekraaro Ukrainik ayro mawqah exxal tan baaxooxah lowsis gubat haanam celtah tan taqabitte mannal lowsiisak geytimtam qaddoysaanam maduudan – Ruusiyah qande lowsis gubat haytaah, awayih uddur Kremlin esserteh tan baaxooxah lowsis gubat hayta.


Vitkov kee Dmitriyev qusba salaam ekraaroh rakisso baxxaqisen

Tama Qagunti Tirampih Erga Steve Witkoff , Ameerikah Miraaciinu Elle Qaddosennal, Ruusiyah Erga Kirill Dmitriev Lih Kaxxam Kusaq Abeh Yanim Qaddoosen.


Ruusiyah Sovereign Wealth Fund Saqalah Yan Dmitriev, Ukrain Caagiidal Diplomaasih Taama Abak Geytimaah, Axios Lih Abeh Yan Yaabal, Witkov Kee Kalah Tan Tirampih Adoytit Lih 3 Ayroh Gideh Walal Abak Sugem Kee, Oktoober Alsak 26 Fanah 26/10/2011 Fanah Gexe.


Dmitriev, Sittin Gey Akah Yakkennah Abaanam Faxximtam Kassiise, Akah Kinnim, Ahak Afal Abeenih Yanin Gibbatu, "Rusiyah Doolat Nummah Akah Takkennah Abaanam Faxximta" Axcuk Qaddoose.


Vitkov, Yukreenih Kee Ameerikah Mirocti Elle Qaddossennal, Yukreenih Pirezdantih Yan Volodymyr Zelensky Lih Asaaku (11/19) Turkiyal Walal Abak Sugem Takkay Ikkah, Tama Safar Akah Yibbixen Innah Abeh Suge.


Vitkov Tama Ekraarol Zelenskyk Agat Caddol Amni Dacayrih Fayxih Saqalah Yan Rustam Umerov Lih Walal Abeh Yanim, Ukrain Baaxoh Miraaciinu Axios Lih Qaddoose.


" Ameerikah Xaylo Inki Inki Caagiidal Taamitak Geytimtam Naaxigeh" Axcuk Yukreenih Miraacini Qaddoose.


" Pirezdanti, Qabal Caxit Soolisaanam Kee Carbi Soolisoonuh Sittin Gey Akah Yakkennah Abaanam Faxximtam Qaddoose. Pirezdanti Tirampi, Ta Maqna Sinni Carbi Soolisaanamih Saami Lem Yaaminem, Flexibility Akah Yaybullen Innah Abaanam Faxximta" Axcuk White House Miraaciinu Axios Fanah Qaddoose.


Dmitriev Axios elle warsennal, rakiiboh yan mabla, Tirampi kee Rusiyah Berezixanti Vladimir Putin, Alaskah Addal Sitta Geyteh Tan Radmooma Xisak, “ Ukrain Baaxoh Addal Yekkeh Yan Bood, Takkay Ikkah, U.S.-Rusiyah Fanat Yan Angaaraw Kee Rusiyah Amni Caagiida Akah Yaysiisen Innah Abaanam Faxximtam” Axcuk Qaddoose.


“ It’s actually much broader framework, toh kaadu qimmoh addah iyyaanam: ‘Mannal ellecaboh addah Awroppah addal, Ukrain dubuh hinnay, qimmoh addah amni geynam dudnaah ,’” iyye.


Hadaf, Tama Gititte Fanah Kutbe Akah Yakkennah Abaanam Kinnim, Ciggiila Tirampi Kee Putin Akah Yakkennah Abaanam Kinnim Dmitriev Qaddoose. Budapest Magaalal Namma Saqolti Fanal Gexsitele Koboxih Ekraaro Tawak Fanah Sooleh Geytimta.


Washington Yukreen kee Awroppa geysiisam duudaa?

Dmitriev tama taama, Biritaaniyah miraacisak sugte Ukrain "Gaza-style peace plan" akah takkennah abte taamat axawah tan taamat axawah tan taamat axawah taniimih taagah, Ruusiyah afkan akah yaceenim faxximtaamih taagah, tama taamah afkan akah yaceenim faxximtam qaddoyse.


Ruusiyah Erga Elle Qaddosennal, Ameerikah Katuk Away Yukreen Kee Awroppah Xaylo Awayih Uddur Akah Takkennah Abak Geytimta "Fayda" Baxxaqisak Geytimaanam Qaddoose.


" Tamah Inkih Rusiyah Baaxoh Addal Geytimta Baaxooxah Addal Geytimta Baxaabaxsale Gufneh Uddur Kinnim" Axcuk Moskoh Baaxoh Addal Geytimta Walal Cayli Osak Geytimam Qaddoose.


Ameerikah Miraacini Elle Qaddosennal, White House Awroppah Miraaciinu Qusba Ekraaro Wagittaamal Oyti Yaceem Qimmisem , Yukreenih Xayloh Ossotinah.


Tama Miraacini Elle Qaddosennal, White House Ukrain Kee Awroppah Xaylo Akah Geytannah Abak Geytimaanam Kee Tama Ekraaro Elle Geytimta Partitteh Raddittel Akah Takkennah Abaanam Faxximtam Kassiise.


" Ta Ekraaroh Uddur Meqeh Yanim Naamineh. Laakin Namma Katuk Abbinos Kee Nummah Akah Takkennah Abaanam Faxximta" Axcuk Ameerikah Miraaciini Qaddoose.


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Yub pa Trump ma tye i mung ma tye ki 28 pi Ukraine

 Yub pa Trump ma tye i mung ma tye ki 28 pi Ukraine

Lobo Amerika, i lok ki Russia, tye ka yubu yub manyen ma tye ki jami 28 me tyeko lweny i Ukraine, ki White House tye ka yenyo ni Kiev ki jo me lobo Ulaya guye.


Gamente pa Trump tye ka tic i mung, i lok ki Russia, me coyo yub manyen me tyeko lweny i Ukraine, malube ki lutela me Amerika ki Russia ma guloko ki Axios.


Yub pa US ma tye ki 28-point ni oa ki i gin ma White House olwongo ni "yub maber" pa Preciden Trump me kuc i Gaza. Latela madit me Russia owaco ki Axios ni etye ki gen i kom yub man, ento pwod pe tye atir kit ma Ukraine ki lurem ne me lobo Europe gubi gamo kwede.


Gin 28 ma tye i yub ni ki poko, malube ki lok pa Axios, i dul angwen: kuc i Ukraine, lok ma mako gwoko kuc, gwoko kuc i Europe, ki wat pa US ki Russia ki Ukraine i anyim.


Pe tye atir kit ma yub ni obi cobo kwede peko ma calo loc lobo ma tye tung kumalo me Ukraine - ma lumony pa Russia tye ka mede anyim mot mot ento pud gitye ka loc lobo manok ma loyo ma Kremlin mito.


Vitkov ki Dmitriev gu nyutu yub me kuc manyen ni

Gin ma ki coyo ni ki coyo ki lawang pa Trump, Steve Witkoff, ki, malube ki ladit mo me Amerika, en otyeko nyamo ne maber ki lawang pa Russia Kirill Dmitriev.


Dmitriev, ma tye ladit ma loyo lim pa gamente me Russia ki tye ka tic matek i lok ma mako Ukraine, owaco ki Axios i kare ma ki penyo en i nino dwe 11/17 ni en otero nino adek i lok ki Witkov ki jo mukene ma i dul pa Trump i kare ma en olimo Miami, cake i nino dwe 24 nio wa i nino dwe 26 me dwe me apar.


Dmitriev onyutu gen i kom kare me loc pa gicikke ni pien, kit ma en owaco kwede, ma pe rom ki temo mukato, "wawinyo ni tam pa Russia tye ka winyo lok adaa."


Vitkov onongo ki yubu, malube ki lutela me Ukraine ki America, me rwate ki ladwong lobo Ukraine Volodymyr Zelensky tin (11/19) i Turkey, ento ki dwoko cen wot ne.


Vitkov oloko i kom yub man ki lapwony me gwoko kuc pa Zelensky, Rustam Umerov, i rwate i acaki me cabit man i Miami, ladit mo me Ukraine owaco bot Axios.


"Wan wangeyo ni jo Amerika gitye ka tic i kom gin mo," ladit me Ukraine owaco.


"Latela lobo owaco ni kare dong oromo me juko cwalo remo ki bino i winye me tyeko lweny. Latela lobo Trump tamo ni tye kare me tyeko lweny man ma pe ki tyen lok ka ki nyutu alokaloka," ladit mo me White House owaco bot Axios.


Dmitriev owaco bot Axios ni tam ma pire tek tye me gero i kom cik ma Trump ki ladwong lobo Russia Vladimir Putin gumoko i Alaska i dwe me Aboro ki yubu tam "me cobo peko ma tye i Ukraine, ento bene kit me dwoko wat i kin U.S.-Russia ki cobo peko me gwoko kuc pa Russia."


"I adaa tye yub ma lac, ma waco ni: 'Wa twero kelo kuc ma rii i lobo Europe nining, ento pi i Ukraine keken,'" en owaco.


Yub tye me yubu coc ma lubo lok magi ma peya rwate pa Trump-Putin, malube ki lok pa Dmitriev. Yub me rwate i Budapest i kin lutela aryo ni tye ka cung pi kare ni.


Washington twero lok ki Ukraine ki Europe?

Dmitriev otiito ni tic man pe kubbe ki yub pa British pi "yub me kuc ma kit meno i Gaza" pi Ukraine, ma en otamo ni pe tye ki kare me cobo ne pien en kwero tam pa Russia.


Lacungu pa Russia owaco ni dul pa America dong tye ka tito bot jo Ukraine ki jo Europe "adwogi" me yoo ma kitye ka tic kwede i kare ni.


"Man weng tye ka time i kom jami ma Russia tye ka timone i lweny," en omedo, kun waco ni teko pa Moscow me lok tye ka mede.


Latela me Amerika owaco ni White House oyabo miyo ngec bot lutela me lobo Europe ikom yub manyen ni, ka i medo ki jo Ukraine.


Latela ni owaco ni White House tamo ni tye kare me lok ki jo Ukraine ki jo Europe ki ni yub ni ki bi loko malube ki lok ma aa ki bot jo ma tye iye.


"Waye ni kare ni ber pi yub man. Ento dul weng omyera gubed ma tiyo ki jami ma tye ada," ladit me US ni omoko.


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Rencana 28 poin rahasia Trump keu Ukraina

 AS, deungon musyawarah deungon Rusia, teungoh djipeugot saboh rencana barô njang meu-28 poin untôk peu-akhé prang di Ukraina, deungon Geudông Putéh djimita teurimong lé Kiev dan ureuëng Eropa.


Peumeurintah Trump teungoh geu keurija deungon cara meurahsia, deungon musyawarah ngon Rusia, keu geu peugot rencana baroe keu peu akhé prang di Ukraina , meunurot peujabat Amerika ngon Rusia nyang geupeugah haba ngon Axios.


Rencana AS nyang na 28 poin nyan geu inspirasi le peu nyang geukheun le Gedung Puteh inisiatif dame Gaza Presiden Trump nyang "sukses" . Sidroe peujabat Rusia geupeugah bak Axios gobnyan optimis keu rencana nyan, tapi gohlom jeulaih kiban cara Ukraina ngon mitra Eropa jih akan jiteurimong.


poin nibak rencana nyan geubagi, meunurot sumber Axios, jeuet keu peuet boh bagian utama : damé di Ukraina, jaminan keamanan, keamanan di Eropa, ngon hubôngan AS ukeuë ngon Rusia ngon Ukraina.


Hana jeulaih pakriban rencana nyan geuhadapi masalah-masalah nyang meuduri lagee kontrol wilayah di Ukraina timu – di pat pasukan Rusia geupeugot kemajuan meutahap tapi mantong geukontrol wilayah nyang jioh leubeh kureung nibak nyang ka geutuntut le Kremlin.


Vitkov ngon Dmitriev geugamba rangka rencana damé barô .

Draf nyan ka ji peugot le utusan Trump, Steve Witkoff , dan, meunurot sidroe peujabat Amerika, gobnyan ka ji analisa beutoi-beutoi ngon utusan Rusia Kirill Dmitriev.


Dmitriev, njang pimpin dana keukayaan berdaulat Rusia dan aktif dalam diplomasi ateuëh Ukraina, geupeugah bak Axios dalam saboh wawancara bak uroë Seuneudoeh (11/17) bahwa gobnjan ka lhèë uroë dalam diskusi njang hana meu-ulang-ulang deungon Witkov dan anggèëta tim Trump laén watèë kunjungan gobnjan u Miami, sampoë tanggai 24 Oktober.


Dmitriev geupeugah optimis keu peluang keusuksesan perjanjian nyan sabab, lagee nyang geupeugah le gobnyan, hana lagee upaya seugolom jih, "kamoe meurasa bahwa posisi Rusia beutoi-beutoi jideungo."


Vitkov ka djijadwal, meunurôt peujabat Ukraina dan Amerika, akan meurumpok deungon Presiden Ukraina Volodymyr Zelensky uroë njoë (11/19) di Turki, tapi djitunda perdjalanan djih.


Vitkov ka geumeututô keu rencana nyan ngon penasihat keamanan nasional Zelensky , Rustam Umerov, lam rapat awai minggu nyoe di Miami, sidroe peujabat Ukraina geupeusah keu Axios.


" Kamoe meuturi bahwa awak Amerika teungoh ji keureuja sapeu-sapeu ," kheun peujabat Ukraina nyan.


" Presiden ka geupeugah jeulaih bahwa ka troh watee jih untuk tapeutheun tumpah darah dan tapeugot saboh kesepakatan untuk tapeuakhé prang. Presiden Trump geupateh na kesempatan untuk tapeuakhé prang nyang hana meu-akal nyoe meunyo fleksibilitas jipeuleumah ," kheun sidroe peujabat Gedung Puteh keu Axios.


Dmitriev geupeugah bak Axios bahwa pikeran dasar nakeuh keu geubangun ateuh prinsip-prinsip nyang ka geusepakati le Trump ngon Presiden Rusia Vladimir Putin di Alaska bak buleuen Agustus dan geurumuskan saboh proposal “ keu geuhadapi konflik di Ukraina, tapi cit keu cara geupeugot lom hubungan AS-Rusia dan geuhadapi masalah keamanan Rusia .”


“ Njoë seubeutôijih saboh rangka njang leubèh luah, njang bak dasardjih djipeugah: ‘Pakriban geutanjoë akhédjih djeuët ta ba keamanan njang meulangsông u Eropa, kon mantong u Ukraina ,’” kheun gobnjan.


Tujuan jih nakeuh untuk peugot saboh teks meutuleh seupanyang gareh-gareh nyoe sigohlom rapat Trump-Putin ukeu, meunurot Dmitriev. Rencana keu sidang puncak di Budapest antara dua droe peumimpin nyan teutap dipeutheun keu jinoe.


Peuë keuh Washington djeuët djipeuyakin Ukraina dan Eropa?

Dmitriev geupeuklarifikasi bahwa usaha njoë hana meuhubông sapeuë deungon inisiatif njang djipimpin lé Inggréh keu "rencana damé ala Gaza" keu Ukraina, njang djinilai lé gobnjan hana peluang meuhasé sabab hana dji-ikôt posisi Rusia.


Utusan Rusia njan geupeugah bahwa pihak Amerika djinoë teungoh dalam proses peutrang keu ureuëng Ukraina dan ureuëng Eropa "manfaat" dari cara djinoë.


" Mandum njoë teudjadi deungon latar keusuksesan njang ka teuntèë njang djiharap lé Rusia di medan prang ," djih djitamah lom, deungon djipeugah bahwa kekuatan rundingan Moskow ka meutamah.


Peujabat Amerika nyan geupeusah bahwa Gedung Puteh ka mulai geubri briefing keu peujabat Eropa teuntang rencana baroe nyan , seulaen awak Ukraina.


Peujabat nyan geupeugah bahwa Gedung Puteh geupateh na peluang nyang nyata untuk geuyakinkan ureung Ukraina dan Eropa dan rencana nyan akan geusesuaikan berdasarkan masukan dari pihak-pihak nyang terlibat.


" Kamoe peucaya watee nyan jroh keu rencana nyoe. Tapi bandua pihak peurlee praktis dan realistis ," simpulkan peujabat AS nyan.


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Trump's secret 28-point plan for Ukraine

The US, in consultation with Russia, is drawing up a new 28-point plan to end the war in Ukraine, with the White House seeking its acceptance by Kiev and Europeans.

The Trump administration is working secretly, in consultation with Russia, to draft a new plan to end the war in Ukraine , according to American and Russian officials who spoke to Axios.

Trump's secret 28-point plan for Ukraine

The 28-point US plan is inspired by what the White House calls President Trump's "successful" Gaza peace initiative . A senior Russian official told Axios he is optimistic about the plan, but it is not yet clear how Ukraine and its European partners will receive it.

The 28 points of the plan are divided, according to Axios' sources, into four main sections : peace in Ukraine, security guarantees, security in Europe, and future US relations with Russia and Ukraine.

It is unclear how the plan addresses thorny issues such as control of territory in eastern Ukraine – where Russian forces are making gradual progress but still control far less territory than the Kremlin has demanded.



Vitkov and Dmitriev outline the framework of the new peace plan
The draft has been drafted by Trump's envoy, Steve Witkoff , and, according to an American official, he has analyzed it thoroughly with Russian envoy Kirill Dmitriev.

Dmitriev, who heads the Russian sovereign wealth fund and is actively involved in diplomacy on Ukraine, told Axios in an interview on Monday (11/17) that he spent three days in continuous discussions with Witkov and other members of Trump's team during his visit to Miami, from October 24 to 26.

Dmitriev expressed optimism about the chances of the agreement's success because, as he said, unlike previous attempts, "we feel that the Russian position is really being heard."

Vitkov was scheduled, according to Ukrainian and American officials, to meet with Ukrainian President Volodymyr Zelensky today (11/19) in Turkey, but postponed his trip.

Vitkov discussed the plan with Zelensky's national security adviser , Rustam Umerov, in a meeting earlier this week in Miami, a Ukrainian official confirmed to Axios.

" We know that the Americans are working on something ," the Ukrainian official said.

" The president has made it clear that it is time to stop the bloodshed and come to an agreement to end the war. President Trump believes there is an opportunity to end this senseless war if flexibility is shown ," a White House official told Axios.

Dmitriev told Axios that the basic idea is to build on the principles that Trump and Russian President Vladimir Putin agreed to in Alaska in August and formulate a proposal “ for addressing the conflict in Ukraine, but also for how to restore U.S.-Russia relations and address Russian security concerns .”

“ It’s actually a much broader framework, which essentially says: ‘How can we finally bring lasting security to Europe, not just to Ukraine ,’” he said.

The goal is to create a written text along these lines before the next Trump-Putin meeting, according to Dmitriev. Plans for a summit in Budapest between the two leaders remain on hold for now.

Can Washington convince Ukraine and Europe?
Dmitriev clarified that this effort is not at all related to the British- led initiative for a "Gaza-style peace plan" for Ukraine, which he assessed as having no chance of success because it ignores Russian positions.

The Russian envoy said that the American side is now in the process of explaining to Ukrainians and Europeans the "benefits" of the current approach.

" All this is happening against the backdrop of the certain successes that Russia is expected to have on the battlefield ," he added, arguing that Moscow's negotiating power is increasing.

The American official confirmed that the White House has begun briefing European officials about the new plan , in addition to the Ukrainians.

The official said that the White House believes there is a real chance of convincing Ukrainians and Europeans and that the plan will be adjusted based on feedback from the parties involved.

" We believe the timing is good for this plan. But both sides need to be practical and realistic ," the US official concluded.

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How debtors are rescued in 5 steps

 The extrajudicial mechanism is friendlier: How debtors are rescued in 5 steps


The process for rescuing debtors through the extrajudicial mechanism can be summarized in five basic steps.


Debt settlement is becoming easier, more accessible and fairer for Greek households and businesses through the electronic platform of the Extrajudicial Mechanism.


The new Extrajudicial Debt Algorithm has offered real solutions, putting "in order" (with up to 420 installments or a "haircut" of up to 90%) total debts of over 15 billion euros so far.


In October, a new record of successful arrangements was recorded (2,440 in one month) for debts of over 600 million euros. Now 8 out of 10 arrangements produced by the platform are immediately accepted by banks and funds (82% approval rate in October according to data from the Private Debt Secretariat of the Ministry of National Economy and Finance). While, in total, in all the years of operation of the institution, over 46,000 debtors have arranged in 200 installments on average (16-17 years average repayment period) the debts they had with the public sector, banks or private creditors. In addition, one in two of those who owe to financial institutions achieved a debt cancellation of over 30%, while the average "haircut" towards the public sector was 17%.


Upgrade

However, despite institutional support and technical improvements, the use of the platform is not considered particularly friendly for "non-specialist" users - debtors , discouraging many beneficiaries from using it, or forcing others to contact consulting firms, instead of completing the applications themselves.


The worst thing, however, was that many, even after reaching "the source to drink water" by achieving the long-awaited regulation (possibly paying several hundred euros to "experts" to complete their applications), still lost their account and installment payments, resulting in the loss of the regulation and the revival of the debts in their entirety - as well as the seizure measures from which they had escaped.


However, after recent upgrades by the AADE, the process is significantly simplified. By integrating new digital procedures and settings into the myAADE platform, the Independent Authority of Public Revenue facilitates access, updating and monitoring of settings by debtors, especially for those who were not familiar with the multiple "screens" and tabs that need to be completed.


What is changing in the process now?

From 9/10/2025, tax debt settlements concluded through the Extrajudicial Settlement System appear automatically and the debtor is informed immediately, in myAADE, under "My Account (Debts, Payments & Refunds) > Debts in Settlement and Payment".


Installment payments are made with the same Debt Settlement Identity (DSI) throughout the duration of the settlement, via e-Banking, mobile Banking, ATM or bank branch, by selecting “Confirmed Debts to the Tax Office”. Although payment is currently not allowed through the myAADE digital environment, the system is automatically informed of the progress of the settlement from payments made based on the Debt Settlement Identity.


In bilateral arrangements with the State, the arrangement is activated and appears after the payment of the first installment, while in multilateral (i.e. "all-in-one" arrangements for debts to both the State and to banks or individuals, etc.) these appear immediately after the successful completion of the application.


For arrangements that had already been made before October 9, 2025, their gradual integration into the same digital environment for unified monitoring is underway.


The 5 steps for "haircut" and installments

New monitoring and payment capabilities make it easier to maintain sustainable arrangements, especially when the “haircut” and installment duration are explicitly linked to asset value and surplus income.


The procedure for rescuing debtors through the extrajudicial mechanism can be summarized in five basic steps, as defined by Law 4738/2020.


1. Property control and the right to a haircut

Debtors must verify the market value of their assets and guarantors, as the amount of debt forgiveness depends on whether the debt is greater than the value of the assets. If the debt exceeds the value, the excess amount can be forgiven (up to 90%).


2. Digital declaration and information

Through the Extrajudicial Platform and myAADE, the information is automatically filled in and debtors are informed about the procedures, rights and deadlines.


3. Personal communication

After submitting the application, debtors receive a message in their personal mailbox with the necessary information for the payment of the first installment.


4. Complete the setup

For bilateral arrangements with the public sector, the arrangement is activated after the first installment is paid. In multilateral arrangements, the display is made upon successful completion of the application.


5. Payment of installments via e-Banking or bank branches

Payment is made with the Regulated Debt Identity (TRO), via internet banking, physical bank branches or ATMs, with the option "Confirmed Debts to the Tax Office".


With these procedures, and after the new changes:


The setup process is fully digital, simpler, faster and more transparent.

Debtors are assisted in avoiding the complete loss of their property, with the prospect of a debt “haircut”.

The arrangements are adapted to the actual capacity of the borrowers and can be extended up to 35 years for mortgage loans (420 installments).

Social care covers vulnerable households and people with disabilities as a priority, with express arrangements that are mandatory for creditors, as well as the provision of a subsidy for the repurchase of the first home.



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