Overview
Lobbying Costs
180,000€
Financial year: Jan 2018 - Dec 2018
Lobbyists (Full time equivalent)
1.5 Fte (3)
Lobbyists with EP accreditation
0
High-level Commission meetings
0
Lobbying Costs over the years
-
Info
Asociación Hipotecaria Española (AHE)
EU Transparency Register
19134101993-37 First registered on 14 Jul 2009
Goals / Remit
The Spanish Mortgage Association (Asociación Hipotecaria Española, AHE) is an organisation made up of banks, savings banks, cooperatives and credit financial institutions which have a major presence on the mortgage market. The members of the Association hold approximately 70% of the mortgage loan market.
As a specialised professional association, AHE represents its members' interests in all aspects related to mortgage activities, and it therefore maintains a close contact with the different ministries which are responsible for drawing up regulations which affect this market (principally, the Ministry of Economy, Ministry of Justice and Ministry of Housing, etc.) and with the Bank of Spain.
AHE also takes a great interest in all matters related to transparency and protection of consumers. In this field, and together with the National Institute of Consumption, it has edited a "Mortgage loans guide", which can be consulted on this page. It also has several publications on legislation and the system of transparency of mortgages.
The Association also provides a source of statistical information, which it updates regularly, on subjects related to the mortgage market, including interest rates and reference indexes, and also credit operations and issues of deeds. Its aim in this respect is to provide more in-depth knowledge of this market.
Information about our different members can be found in our website: http://www.ahe.es/bocms/sites/ingles/pages/MenuOK.jsp?mID=64Main EU files targeted
Mortgage credit directive
Directive on the issue of Covered Bonds and covered bond public supervision
Capital requirements regulation and directive – CRR/CRD IV
Long term finance: Securitisation & Covered bonds
Banking unionAddress
Head Office
Nuñez de Balboa, 90
1st Floor
Madrid 28006
SPAIN -
People
Total lobbyists declared
3
Employment time Lobbyists 50% 3 Lobbyists (Full time equivalent)
1.5
Lobbyists with EP accreditation
No lobbyists with EP accreditations
Complementary Information
None declared
Person in charge of EU relations
Data not provided by Register Secretariat due to GDPR
Person with legal responsibility
Data not provided by Register Secretariat due to GDPR
-
Categories
Category
II - In-house lobbyists and trade/business/professional associations
Subcategory
Trade and business associations
-
Networking
Affiliation
AHE's international activity is basically focused on its participation in the European Mortgage Federation (EMF), which groups together the mortgage loan entity associations in the European Union, and the AHE also participates in the European Covered Bond Council (ECBC) by representing the cedulas hipotecarias market.
The Association plays a very active part in all the governing bodies and working groups of the EMF and ECBC, and is responsible at a national level for releasing news of communications and other reports edited by the EMF in matters regarding current issues which affect mortgage business at a European level.
In this way, it provides Spain with increasing knowledge of the mortgage markets of the other European Union countries.Member organisations
None declared
-
Financial Data
Closed financial year
Jan 2018 - Dec 2018
Lobbying costs for closed financial year
180,000€
Other financial info
None declared
-
EU Structures
Groups (European Commission)
none
Groups (European Parliament)
None
Communication activities
None
Other activities
- Participation in the legislative processes of the different regulations affecting the mortgage market
- Participation in the EMF and in the ECBC
by representing the Spanish mortgage market
- Participation in the different professional activities of the market (conferences, press media, consumers' dialogues, etc.)
Meetings
Meetings
None declared