European Legislation of Mortgage credit

- Commission Recommendation of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans

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Spanish Legislation of Mortgage credit

- Title V of the Commerce Code, about the commercial loans. Articles from 311 to 324, Royal Decree of 22 August of 1985.

- Title XV of the book IV of the Civil Code, of mortgage contracts. Articles from 1857 to 1862 and from 1874 to 1880. Royal Order of 29 July of 1889.

- - Mortgage Law of 8 February of 1948.

- Law 2/1981 of 25 March of regulation of the mortgage market

- Law 19/1992 of 7 July, about the regime of real state investment companies and funds and mortgage securities funds.

- Law 2/1994; of 30 March; of subrogation and changes of mortgage credits.

- Lawsuit Law 1/2000, arts. 681 and the following, of the specialities of in the execution of mortgaged or pawned properties.

- Law 44/2002 of 22 November, of reform measures of the financial system

- Royal Decree 515/1989, of 21 April about consumers protection as for information to be provided in contracts of real state sale and tenancy agreements.

- Royal Decree 775/1997 of 30 May, of the juridical regime of official approval of services and building valuation companies.

- Royal Decree 1/2002 of 11 January, about measures of financing subsidised performance as regards housing and building land of the Plan 2002- 2005.

- Royal Decree Law 2/2003, of 25 April, of measures of economic reform.

- Order of 5 May of 1994, of transparency of the financial conditions of the mortgage credits.

- Order of 30 November 1994, about rules of valuation of building and determined rights of certain financial objectives

- Ministerial Order of 1 December of 1999, that modifies the kind of calculation of de Mibor interest rate for one year

- Order ECO 805/2003 of 27 March of 2003, about rules of valuation of building and determined rights of certain financial objectives.

- Bank of Spain 8/1990 of 7 de September about transparency of operations and protection of the clients, that affects more directly to the mortgage credits.