Important Changes in the Regulation of Loans for Residential Real Estate by Law No 134/2023

Consumer credit is of permanent social and economic interest and has therefore benefited from appropriate European and national regulation. In its specialised form, the credit agreement offered to consumers for residential real estate has been regulated by O.G. No 52/2016 and recently amended by Law No 134/2023.The study of the substantial amendments to Law no. 134/2023 is of legal interest, in particular, because of the field addressed, namely mortgage credit.The paper is divided into three parts: "Introduction to the credit agreement", "Consumer credit in national regulations" and "Main legislative amendments to the law on mortgage credit by Law No 134/2023".