Consumer Vulnerability and Welfare in Mortgage Contracts

Erscheinungsjahr 2020
ISBN: 978-1-5099-3693-9
Verlag: HART PUB

Buch, Englisch, 224 Seiten, Paperback, Format (B × H): 156 mm x 234 mm, Gewicht: 322 g

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.

Autoren/Hrsg.

Domurath, Irina

Fachgebiete

• Rechtswissenschaften Allgemeines Verfahrens-, Zivilprozess- und Insolvenzrecht Insolvenzrecht, Konkurs, Unternehmenssanierung
• Rechtswissenschaften Internationales Recht und Europarecht Europarecht Europäisches Privat- und Vertragsrecht
• Rechtswissenschaften Bürgerliches Recht Schuldrecht Verbraucherschutz, Verbraucherverträge, AGB

Inhaltsverzeichnis

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

Über Autor(innen)

Domurath, Irina
Irina Domurath is Assistant Professor at the University of Padova, Italy.

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.