The credit institution may not increase the spread applicable to a loan agreement for the acquisition, renovation or maintenance of property rights over permanent residential property, nor aggravate other charges with this loan, in case of change of ownership of the agreement due to divorce, legal separation of persons and property, dissolution of the non-marital partnership or death of one of the spouses, where the monthly instalment of the loan represents a debt service to income ratio for the new owner’s household of less than 55% or, in the case of two or more dependents, 60%.