德国和欧盟经济法数据库

 法律指令 2014/17/EU

I. 描述

The Mortgage Credit Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property was adopted on 4 February 2014. This Directive aims to create a Union-wide mortgage credit market with a high level of consumer protection. It applies to both secured credit and home loans. Member States will have to transpose its provisions into their national law by March 2016.

The main provisions include consumer information requirements, principle based rules and standards for the performance of services (e.g. conduct of business obligations, competence and knowledge requirements for staff), a consumer creditworthiness assessment obligation, provisions on early repayment, provisions on foreign currency loans, provisions on tying practices, some high-level principles (e.g. those covering financial education, property valuation and arrears and foreclosures) and a passport for credit intermediaries who meet the admission requirements in their home Member State.

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II. 基本信息

标题

Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and   2013/36/EU and Regulation (EU) No 1093/2010

缩写
Mortgage Credit Directive
状态
现存
法律指令
2014/17/EU
官方. 版本
公告. EU 号. L (Legislation), 公布 60, 年 2014, S.34
日期
2014/02/04
公告
2014/02/28
法案
Lamfalussy-框架法案
法律基础
Art. 114 AEUV
法的实施
Codecision procedure

III. 文本和产生历史

1. 文本

Titel
Allg. Daten
Textfassung

原始.版本 Mortgage Credit Directive:
Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and   2013/36/EU and Regulation (EU) No 1093/2010

  2014/17/EU

Beschluss:
2014/02/04 (D)
Verkuendung:
2014/02/28 (V)
(D) 日期 | (V)公布

2. 发生史

Datum
Typ / Titel
Textfassungen
2011/07/25
Opinion of the European Data Protection Supervisor
2011/C 377/02
2011/07/14
Opinion of the European Economic and Social Committee
2011/C 318/22
2011/07/05
Opinion of the European Central Bank
CON/2011/58
2011/03/31
Proposal
2011/0062 (COD)

3. 影响

Auswirkungstyp
Richtlinie
Textfassungen
修改
  法律指令 2013/36/EU
修改
  法规 (EU) No 1093/2010
修改
  法律指令 2008/48/EC

4. CESR Level 2

RL 2014 17 EU Hypothekarkredit-RL
CESR/

IV. Umsetzung in den Mitgliedstaaten

1. 在德国的实施

(B) 决定 | (V) 公告

Legend

Legislative Act Status

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目录

I. 描述
II. 基本信息
III. 文本和产生历史
1. 文本
2. 发生史
3. 影响
4. CESR Level 2
IV. Umsetzung in den Mitgliedstaaten
1. 在德国的实施