When the young man bought the house, the BBVA bank advised him to designate his parents as guarantors due to their low and variable income. He placed his parents and brother as guarantors, and when he started having trouble paying, the bank informed him that he was in danger of losing his home. So the father began to pay his son's dues.

According to the ruling, the bank failed to provide sufficient information to the guarantors, and by ruling that the guarantee clause is excessive, it annuls it. However, the bank may appeal the judgment.

The lawyer of the Barakaldo family, José Montero, said that it is “very common” among young people to designate their parents as guarantors when buying a home, according to the EITB. He says it is the case of “80%” mortgages and believes that the ruling will benefit several families in the same situation.