mortgage credit

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COFACE Expert meeting on the Danish Mortgage Model

COFACE Expert meeting on the Danish Mortgage Model (click here to access Coface website) Joint meeting between COFACE Families Europe and Finans Danmark: “Social Policy & Mortgage Lending – The Danish Mortgage Model in a European perspective” Copenhagen; Thursday 9th & Friday 10th November 2017 Meeting documents: Introduction to the Danish Mortgage Model and how [...]

By | November 29th, 2017|Events, Hot Topics, We Disseminate|Comments Off on COFACE Expert meeting on the Danish Mortgage Model

Focus on a specific tool to combat over-indebtedness… Datio in solutum

Two national initiatives which wipe off debts after having given back the keys of the house / apartment funded by a (mortgage) credit : a contrasted vision about who shall take the initiative ! Italy : Legislative decree adopted in April 2016:  After 18 months-instalments of non-payment (before, under the proposal, it was 7 months-instalments) [...]

By | June 18th, 2016|Hot Topics|Comments Off on Focus on a specific tool to combat over-indebtedness… Datio in solutum

Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive

2014 - BEUC comments on Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive BEUC welcomes the opportunity to comment on the Consultation Paper 2014/43 on Draft Guidelines on arrears and foreclosure. The draft guidelines provide detail on how financial institutions should give effect to the relevant Mortgage Credit Directive (MCD) provisions on [...]

By | October 6th, 2014|Reading Room|Comments Off on Draft Guidelines on arrears and foreclosure under the Mortgage Credit Directive

FSUG position on the “Study on means to protect consumers in financial difficulty”

2013 - FSUG Position paper on the "Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices”. ... The FSUG supports most of the conclusions drawn by London Economics, but especially the followings: 1. As over-indebtedness has become more common, there has [...]

By | October 6th, 2013|Reading Room|Comments Off on FSUG position on the “Study on means to protect consumers in financial difficulty”

Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices

December 2012 - London Economics Study on means to protect consumers in financial difficulty: personal  bankruptcy, datio in solutum of mortgages, and restrictions on debt collection  abusive practices Final Report - Contract No MARKT/2011/023/B2/ST/FC Access to the document

By | December 6th, 2012|Reading Room|Comments Off on Study on means to protect consumers in financial difficulty: personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices

Responsible mortgage lending and borrowing

13 September 2010 - EU Commission - Internal Market and Services DG DG Internal Market and Services, Unit H3 – Retail issues, consumer policy and payment services During the legislative process, an expert meeting has been held to collect positions on a set of questions/ propositions. EFIN_EU_consult_mortgage_VF  

By | September 13th, 2010|A migrer - publication, We Advocate|Comments Off on Responsible mortgage lending and borrowing