engleski

Mortgage Credit Directive (MCD): Are Consumers Finally Getting the Protection They Deserve?

“Purchasing real estate is the most important act in the life of the average consumer” according to the Commission Report, COM(95) 117 final. The mortgage credit market belongs to the most complex markets in which consumers engage and the mortgage credit agreements make 70 % of consumer credits in Europe. The Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property or so-called Mortgage Credit Directive, which was adopted in February 2014, aims at the protection of consumers by following the supreme goal of the establishment and functioning of the internal market. At the same time it tries to fight against financial crisis and to promote financial stability by ensuring that the mortgage credit market and its participants operate in a responsible manner. The author examines the provisions of the new Mortgage Credit Directive in the light of consumer protection and by its critical overview tries to answer the question from the title of this paper: “Are consumers finally getting the protection they deserve?”

Mortgage Credit Directive, Directive 2014/17/EU, Consumer Credit Directive, Directive 2008/48/EC, residential immovable property, consumer protection

Sažetak rada: “Kupnja nekretnine je najvažniji čin u životu prosječnog potrošača”, prema Izvještaju Komisije, COM(95) 117 final. Tržište hipotekarnih kredita spada u najsloženija tržišta na kojima potrošači sudjeluju, dok hipotekarni krediti čine 70 % potrošačkih kredita u Europi. U veljači 2014 usvojena Direktiva 2014/17/EU o ugovorima o potrošačkim kreditima koji se odnose na stambene nekretnine ili tzv. Direktiva o hipotekarnim kreditima ima za cilj zaštitu potrošača slijedeći nadređeni cilj uspostave i funkcioniranja unutarnjeg tržišta. Istovremeno pokušava suzbiti financijsku krizu i promovirati financijsku stabilnost jamstvom da tržište hipotekarnih kredita i njegovi sudionici posluju na odgovoran način. Autorica ispituje odredbe nove Direktive o hipotekarnim kreditima u svijetlu zaštite potrošača i kritičkim pregledom istih nastoji dati odgovor na pitanje postavljeno u naslovu ovoga rada: “Da li će potrošači napokon dobiti zaštitu koju zaslužuju?” Ključne riječi: Direktiva o hipotekarnim kreditima, Direktiva 2014/17/EU, Direktiva o potrošačkom kreditu, Direktiva 2008/48/EZ, stambene nekretnine, zaštita potrošača