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Armonización de hipotecas

4 de Abril de 2011 a las 17:42 h

La Comisión Europea ha propuesta la elaboración de una directiva comunitaria que armonice la normativa de la Unión Europea sobre este tipo de préstamo, mejore la información y refuerce la protección del consumidor, minizando los casos de impagos y embargos

Uno de los principales objetivos de la Comisión Europea es impulsar un modelo europeo de hoja informativa para que los consumidores puedan comparar las condiciones hipotecarias de diferentes prestadores. Los prestamistas e intermediarios tendrán la obligación de evaluar la capacidad de devolución del préstamo que tiene el solicitante.
Se pretende evitar que la información o publicidad "poco clara", unida a un "inapropiado" consejo profesional, lleve a los consumidores a elegir un producto "inadecuado" para su capacidad de pago, y que pueda implicar    que una familia pierda su hogar
La Comisión Europea argumenta la necesidad de esta propuesta de directiva en el hecho de que, pese a la importancia del mercado hipotecario en la UE -equivalente al 50 % del PIB europeo-, no existe hasta ahora hay ningún marco legislativo común y el mercado permanece muy fragmentado.
 La Comisión Europea estima  que los beneficios de esta normativa en términos de reducción de los impagos podrían ascender hasta los 1.931 millones de euros anuales en el conjunto de la UE.
El objetivo de esta normativa también es eliminar barreras para promover un mercado único de las hipotecas, de manera que se fomente la competencia en los mercados nacionales mediante la entrada de entidades extranjeras.

Más información:
Dossier elaborado por la Representación en España de la Comisión Europea
Nota de prensa MEMO/11/205, de 31 de marzo de 2011

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