Recent developments in mortgage lending in the EU and some tentative reflections on its positioning in the financial structur

SUERF - The European Money and Finance Forum

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Date Published 2012
Primary Author Jesper Berg
Other Authors Christian Sinding Bentzen, Morten Bækmand Nielsen, Henrik Schönemann
Theme Funding Housing Finance


This paper reviews developments in mortgage lending in the EU, including the assessment of covered bonds – a major source of finance for mortgages – by rating agencies. Mortgage models in the EU come in many different varieties reflecting that EU legislation allows a diversity of models. The different mortgage models are assessed against four criteria and in a structural context. It is possible to draw some tentative conclusions as to the relative performance of mortgage models.

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