What is EuroTitle?
The European Union’s ‘four freedoms’ seem to provide a good basis for an increase of transborder
real estate transactions, and to open the mortgage markets in Europe. The Second
Banking Directive in 1993 established the basis for a single market for banking. However, a
real European real estate market still seems far away.
The report of the Forum Group on Mortgage Credit to the European Commission of 2004
identified the barriers to a smooth functioning of the Internal Market. In short, a common
European real estate market requires:
1) Transparency of mortgage products
2) Transparency of information from national land registries
3) Uniform level of certainty concerning rights and interests in real property.
The first two issues are addressed by existing initiatives. A way to tackle the differences
between the mortgages within the EU, and to reach the needed transparency to compare the
products of bankers is the Eurohypothec as proposed by the Eurohypothec Research Group.
EULIS (European Union Land Information Service) aims to provide a cross-border access to
information about the rights on real estate, using the information in the computerized
databases of the participating land registries.
The third issue, uniform level of certainty concerning rights and interests in real property, has
so far remained unaddressed.
The researchers involved in the EuroTitle project argue that required transparency
and certainty for sellers, buyers and bankers can be achieved through a common way of land registration in Europe: EuroTitle.
Documents related to EuroTitle
Ploeger, Hendrik and Bastiaan van Loenen, (2007),
Security in real estate titles: Prerequisite for an European housing market, ENHR International conference, 25-28 June
Ploeger, HD, & Loenen, B van (2006). EuroTitle: onmisbaar voor Europese vastgoedmarkt. WPNR, weekblad voor privaatrecht, notariaat en registratie, 2006(6677), 593-594.
Ploeger, HD, & Loenen, B van (2006). Response to the green paper on mortgage credit in the EU Response to the European Commission.
Ploeger, H.D., Nasarre-Aznar, S, & Loenen, B van (2005). Eurotitle: paving the road to a common real estate market. In K Reid (Ed.), Ius Commune conference 2005 (pp. 1-6). Edinburgh, UK: University of Edinburgh, School of Law.
Loenen, Bastiaan van, Sergio Nassarre-Aznar, Hendrik Ploeger, (2005), EuroTitle: a standard for European Land Registry Paving the road to a common real estate market. GIM international Volume 18 ISSN 1566 9076
Ploeger, H.D., & Loenen, B. van (2005). Harmonization of Land Registry in Europe. In A Abdelaal, Al Khalifa, A Shaker, MM Radwan, S Alghazaly & Y Abdel-Aziz (Eds.), Proceedings of the FIG Working Week 2005 and 8th International Conference on the Global Spatial Data Infrastructure (GSDI-8) 'From Pharaohs to Geoinformatics' (pp. 1-12). Cairo, Egypt April 16-21, 2005 Frederiksberg: FIG (ISBN 87-90907-43-4).
Ploeger,Hendrik D. & Bastiaan van Loenen (2004). EULIS-At the beginning of the road to harmonization of land registry in Europe. European review of private law, 12(3), 379-387.
J. de Jong en B. van Loenen (2003) EULIS: op weg naar harmonisatie van grondboekhoudingen in Europa WPNR, nummer 6528 Jaargang 134 5 april 2003 pagina's 333-335 ISSN 0165-8476
Loenen, B. van, 2002, Analysis report on the publication of land administration data in an EULIS setting, Project acronym: EDC-11004 EULIS/27575 11-11-2002, 26 p.
Loenen, B van (2002). C6.1/2 Country report on the publication of land administration data in an EULIS setting. European Land Information Service (EULIS): Brussels.
Loenen, B van (2002). EULIS: naar één Europees kadaster? VI Matrix, 10(7), 31.