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Basic Guidelines for a Eurohypothec
Outcome of the  Eurohypothec workshop
November 2004/ April 2005

With a volume of more than 4 trillion Euros, mortgage loans in the EU Member States are of outstanding importance. Nevertheless, there is no internal market of mortgage loans, it is mostly a national one. Legal differences between the national mortgage laws are one of the reasons for this.

For more than 40 years, there have been discussions and proposals concerning how to overcome these legal obstacles. A workshop which took place in November 2004 and April 2005 in Berlin developed for the first time a specific proposal of "Eurohypothec", a real estate collateral instrument for securing loans which could be common for all EU countries. Specialists, academics and practitioners from several countries and representing several European-wide expert groups, contributed their know how to this work.

I am pleased to be able to publish the results of our works and present them to you. I believe that they will become an important milestone in the development of the Eurohypothec concept and will constitute a basis for a constructive discussion.
Dr. Agnieszka Drewicz-Tułodziecka
President of the Mortgage Credit Foundation

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Table of Contents

Introduction

A. PARTICIPANTS OF THE WORKSHOP ON EUROHYPOTHEC
BERLIN NOVEMBER 2004/ APRIL 2005

B. WORKING PAPER "BASIC GUIDELINES FOR A EUROHYPOTHEC"

I. Objectives of the Paper

1. Objectives

II. The Eurohypothec

2. Principles

3. Creation

4. Security Agreement

5. Transfer

6. Extinguishment.

III. Legal Environment for the Eurohypothec

7. Registration

8. Enforcement

9. Insolvency proceedings

10. Costs and State Taxes

IV. Implementation

11. Implementation

C. COMPLEMENTARY WORKING PAPERS ON THE EUROHYPOTHEC

C-1 Charts on business structures - Andreas Luckow

C-2 The Eurohypothec - Accessoriness as legal dogma? - Dr. Otmar Stöcker

C-3 The position of an owner of real estate, which is encumbered with a non-accessory right to property, based on the example of regulations in Poland - Dr. Agnieszka Drewicz-Tułodziecka

C-4 Diverse Options under EU Law for the Implementation of a Eurohypothec - Dr. habil. Christoph Schmid

D. EXCERPTS FROM THE RECOMMENDATIONS OF THE FORUM GROUP ON MORTGAGE CREDIT

E. LITERATURE ON THE EUROHYPOTHEC

83 pages, paperback