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Integration of Mortgage Markets in the EU

In July 2005, the European Commission published a Green Paper 'Mortgage Credit in the EU', launching a consultation that has lasted until 30th November 2005.  At the same time the Commission published a report on the costs and benefits of further integration of the EU mortgage credit market, carried out on its behalf by London Economics, a UK-based economic consultancy.

To mark the conclusion of the consultation, the Commission is hosting a public Hearing on Mortgage Credit in Brussels in December 2005. Any policy measures to be proposed will be announced in a White Paper, to be issued in 2007.


vdp-Position on the Green Paper on Mortgage Credit in the EU (short version)

vdp-Position on the Green Paper on Mortgage Credit in the EU (long version)



Hans-Joachim Dübel: Fixed-rate mortgages and Prepayment in Europe

Dr. Johannes Köndgen: Early Repayment of Long-Term Fixed-Rate Mortgages in Europe

The Internal Market and Consumer Protection Comitee of the European Parliament held a "mini-hearing" on the Green Paper on Mortgage Credit on 11 July 2006. The vdp was invited to provide an expert opinion.

Summary of the vdp position

The EU Commission established two expert groups (on Mortgage Funding and Consumer Protection in April 2006 to support the work on the Green Paper. Their respective reports can be found here.
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