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Police coming to evict Ecuadorian homeowners Kelly Herrera and Nelson Castillo stand on March 13, 2012 in their house in Madrid. Spain on March 9 approved a new voluntary 'code of conduct' for banks which aims to help poor homeowners settle their debts and reduce a wave of evictions brought on by the economic crisis. Spanish banks currently seize the homes of those who default on their mortgages and often demand further payment from those evicted if the value of the house has fallen below that of the loan. The new rules will apply in cases where every member of a household is unemployed and mortgage payments are equal to more than 60 percent of their income.(c) Pedro ARMESTRE