The trend towards the financialisation of housing since the 1980s and the global financial crisis exposed a dramatic lacuna in the legal protection of the right to housing. Yet, the right to housing features not only in national and international human rights instruments, but also in the EU Charter of Fundamental Rights. Charter rights are increasingly finding expression in the case law of the Court of Justice of the European Union (CJEU). In particular, drawing on the Charter, the CJEU's interpretation of EU consumer law is moving towards a recognition of housing rights as inherent components of consumer protection. On the basis of such developments, this article examines whether there is scope to extend this human rights approach to new areas – namely, to the Mortgage Credit Directive (2014) – a major EU harmonising measure – and to the work of EU institutions now responsible for banking supervision. The article concludes that, if guided by the Charter of Fundamental Rights, the case law of the CJEU and the practice of supranational banking supervision could significantly enhance the protection of the right to housing, both at EU and Member State level

中文翻译：

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通过基本权利宪章实现欧洲住房权保护的共同标准

自 1980 年代以来的住房金融化趋势和全球金融危机暴露了住房权法律保护方面的巨大漏洞。然而，住房权不仅体现在国家和国际人权文书中，也体现在欧盟基本权利宪章中。宪章权利越来越多地出现在欧盟法院 (CJEU) 的判例法中。特别是，根据宪章，欧洲法院对欧盟消费者法的解释正朝着承认住房权利是消费者保护的内在组成部分迈进。在这些发展的基础上，本文研究是否有将这种人权方法扩展到新领域的空间——即，抵押信贷指令（2014 年）——一项主要的欧盟协调措施——以及现在负责银行监管的欧盟机构的工作。文章的结论是，如果在《基本权利宪章》的指导下，欧洲法院的判例法和超国家银行监管的做法可以显着加强对住房权的保护，无论是在欧盟还是成员国层面