Retail financial services, Credit, Mortgage credit

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Mortgage credit


Directive

31.3.2011
Commission adoption of a proposal for a Directive on credit agreements relating to residential property, COM(2011)142
+ Corrigendum of 20.5.2011 of the Bulgarian, Danish, German, Lithuanian and Dutch versions
  • Impact Assessment, SEC(2011)356 PDF - 330 KB English
    • Annexes 1-5, SEC(2011)356 PDF - 1.6 MB English
    • Summary, SEC(2011)355 PDF - 43-306 KB българскиČeštinaDanskDeutschEesti keelελληνικάEspañolEnglishFrançaisItalianoLatviešu valodaLietuviµ kalbaMagyarMaltiNederlandsPolskiPortuguêsRomânăSlovenskySlovenščinaSuomiSvenska
    • Opinion of the Impact Assessment Board, SEC(2011)354 PDF - 356 KB English
  • National measures and practices to avoid foreclosure procedures for residential mortgage loans, SEC(2011)357 PDF - 76 KB English
  • Press release, IP/11/383
  • Frequently asked questions, MEMO/11/205
  • Citizens’ summary PDF - 21 KB English

Code of conduct

Information about the Code of conduct on pre-contractual information for home loans, including a list of the mortgage lending institutions who have agreed to comply with it.

Studies

Study on the costs and benefits of different policy options for mortgage credit

31.3.2011
Final report of the study PDF - 6,3 MB English
  • Annex A: Household surveys and consumer focus groups PDF - 546 KB English
  • Annex B: Legal summaries PDF - 1,5 MBEnglish
  • Annex C: Description of ESIS model PDF - 97 KBEnglish
  • Annex D: Description of early repayment and responsible lending and borrowing model PDF - 137 KBEnglish
31.1.2009 Contract award notice, 2009/S 21-029009
19.7.2008 Call for tender, 2008/S 139-185318
12.7.2008 Contract award notice, 2008/S 134-178130
26.3.2008 Call for tender, 2008/S 59-079217

Study on equity release schemes in the EU

18.3.2009 Final report of the study

Study on the role and regulation of non-credit institutions in EU mortgage market

The European Commission has published a study on the activities, regulation and supervision of mortgage lenders that are not defined as 'credit institutions' under EU law. The study, which is a follow-up to the White Paper on the Integration of EU Mortgage Credit Markets, will contribute to the Commission's assessment of whether further action in this area is needed at EU level.

30.3.2009 Feedback on the comments received PDF - 33 KB
Comments authorised for publication:
2.12.2008 Final report of the study PDF - 699 KB
Annex PDF - 1,4 MB
Press release, IP/08/1855

Study on consumer testing of possible new format and content for the European Standardised Information Sheet (ESIS) on home loans

October 2009 Final report of the study PDF - 1,7 MB
13.5.2009 Stakeholder Workshop
27.12.2008 Contract award notice, 2008/S 251-335008
7.6.2008 Call for tender, 2008/S 110-146927

Study on the costs and benefits of integration of EU mortgage markets

13.9.2005 Press release, IP/05/1134
5.8.2005 Study on the costs and benefits of integration of EU mortgage markets PDF - 1276 KB
Midday Express, MEX/05/0805

Archives

On the Archives page more information on:

  • Consultation & hearing on responsible lending and borrowing
  • White Paper on the Integration of EU mortgage credit markets
  • Green Paper on Mortgage credit in the EU
  • Government Expert Group on Mortgage Credit (GEGMC)
  • Mortgage Funding Expert Group (MFEG)
  • Mortgage Industry and Consumer Dialogue (MICEG)
  • Public hearing on mortgage credit
  • Forum Group on Mortgage Credit

Last update: 21.11.2011