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Libro blanco de integración. BOE 18/12/2007
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INTRODUCTION Mortgage credit is, for most European citizens, the biggest financial investment of a lifetime. Mortgage credit markets represent a significant part of Europe's economy, with outstanding residential mortgage credit balances representing almost 47% of the EU GDP1. Accordingly, the integration of EU mortgage credit markets is central to a more efficient functioning of the EU financial system both at the wholesale and the retail level as well as the EU economy as a whole. Aware of the crucial importance of mortgage credit markets, the Commission initiated a comprehensive review of the functioning and the level of integration of these markets. This White Paper summarises the conclusions of this review and presents a balanced 'package' of measures to improve the efficiency and the competitiveness of EU residential mortgage markets2. In full compliance with the principles of better regulation, these measures have been designed after thorough consultation with all stakeholders and on the basis of a proportionate impact assessment3. |
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