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How market-rate information may help mortgage borrowers compare offers, reassess existing loans and overcome inertia, with reference to Chilean reforms.
Why a variable-rate loan clause should seek to track relevant market borrowing costs over time.
Examines the boundaries of judicial control of interest rates and the distinction between price comparison and unfairness.
What happens to a loan when its agreed reference rate ceases to exist, and how contractual fallback clauses operate.
An analysis of Spanish IRPH litigation and the interaction between market pricing and EU consumer law.
Revisits the role of IRPH as a market-related reference rate and questions simplistic comparisons of index values.
A systematic study of IRPH reference rates, their incorporation into bank loans and the legal questions they raise.
Doctoral research on interest-rate benchmarks in bank loans, focused on the operation and legal treatment of IRPH.
An analysis of the information and transparency requirements for mortgage clauses linked to IRPH indices.