Consumer Vulnerability and Welfare in Mortgage Contracts

Dr Irina Domurath (Autor)

Buch | Softcover

224 Seiten

2020
Hart Publishing (Verlag)
978-1-5099-3693-9 (ISBN)

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This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.

Irina Domurath is a post-doctoral researcher at the University of Amsterdam, where she is working on housing markets and law. Previously, she has worked at the German Federal Ministry of Justice and Consumer Protection and the Universities of Copenhagen and Iceland.

I. Context
II. Themes and Aims
III. Questions and Structure

1. Theoretical Framework
I. Introduction
II. Duality of Aims in EU Consumer Law
III. Normative Preconceptions
IV. Conclusions

2. Vulnerability to Welfare Losses through Privatisation
I. Introduction
II. Privatisation: Credit versus Welfare
III. Welfare Losses
IV. Vulnerability to Welfare Losses
V. Conclusions

3. Vulnerability in EU Mortgage Contract Law
I. Introduction
II. Vulnerability in EU Mortgage Contract Law
III. Conclusions

4. A Flexible Mortgage Contract Law
I. Introduction
II. Relational Vulnerability
III. Event Vulnerability
IV. Lack of Resilience
V. Conclusions

5. Theoretical Framework Revisited
I. Welfarist EU Mortgage Contract Law?
II. Justice in EU Mortgage Credit Law

Erscheinungsdatum	20.03.2020
Verlagsort	Oxford
Sprache	englisch
Maße	156 x 234 mm
Gewicht	322 g
Themenwelt	Recht / Steuern ► EU / Internationales Recht
	Recht / Steuern ► Privatrecht / Bürgerliches Recht ► Besonderes Schuldrecht
	Recht / Steuern ► Privatrecht / Bürgerliches Recht ► Sachenrecht
	Recht / Steuern ► Wirtschaftsrecht
ISBN-10	1-5099-3693-9 / 1509936939
ISBN-13	978-1-5099-3693-9 / 9781509936939
Zustand	Neuware