The second declaration ‘s the Commission’s Study on the costs and Benefits of the various Coverage Choices to have Home loan Borrowing (Eu Fee, 2009, select particularly Annex B: Judge Information)
To check on our very own head hypothesis that the to early payment increases the rate spread involving the banks’ credit speed and you will lending rates during the a official trends, i very first created a consumer defense list. The latest index classifies places with respect to the type of settlement, if any, that users need to pay on their lenders when they propose to repay its mortgages before the contractual deadline. Our very own categorical directory varying range regarding reduced number of consumer protection Is negotiated = 0 on large amount of consumer safeguards No charge = 2.
Here i requested new central banking companies, ministries out-of fund of one’s Representative Says and you can lender or user defense relationships concerning appropriate number of consumer security within their respective nations
The list categorizes this new rules governing early payment in every Eu User Says ranging from 2006 and you will 2016 into the thirty day period-to-month foundation. Ler mais
