<s>[INST] The next text is a question of a member of the European parliament:"1.Is the Commission aware that the Owner-Occupiers Guarantee Fund (Stichting Waarborg-fonds Eigen Woning) in the Netherlands, which provides National Mortgage Guarantees — the successor of Municipal Guarantees (guarantees provided by municipal authorities that home-buyers would meet their mortgage payments) — and protects home-buyers against future risks and against higher interest payments to building societies to cover higher risks, has introduced new rules in 2002, one of which (p. 12) is that an applicant from a Member State of the European Union or the European Economic Area must be in possession of a Netherlands residence permit which is valid indefinitely in order to be eligible for a loan to help him/her buy a home or, as an owner-occupier, make improvements to his/her home?  2.Is the Commission aware that the Netherlands only grants the right to such a residence permit once the applicant has been entered in the population register of a Dutch municipality for five years, even if the person concerned can prove with the aid of witnesses or by producing an employment contract that he/she has been resident in the Netherlands for longer?  3.Does the Commission agree that there is no need for a requirement to produce a residence permit of indefinite validity as a means of combating speculation by people who are not resident in the Netherlands, because the rules governing mortgage guarantees also state that a guarantee is valid only if the beneficiary occupies the dwelling in person and it is his/her permanent principal home, and the guarantee remains valid only so long as this continues to be the case?  4.Do the new rules constitute discrimination on grounds of nationality, bearing in mind that people who wish to settle in the Netherlands for a long period and spouses of Netherlands nationals who themselves are nationals of another Member State of the EU or the EEA are placed at a disadvantage with regard to the opportunity to buy a dwelling with the intention of living in it in person?  5.What will the Commission do to put an end to this unequal treatment and discrimination on grounds of nationality?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [14]. </s>
1.Is the Commission aware that the Owner-Occupiers Guarantee Fund (Stichting Waarborg-fonds Eigen Woning) in the Netherlands, which provides National Mortgage Guarantees — the successor of Municipal Guarantees (guarantees provided by municipal authorities that home-buyers would meet their mortgage payments) — and protects home-buyers against future risks and against higher interest payments to building societies to cover higher risks, has introduced new rules in 2002, one of which (p. 12) is that an applicant from a Member State of the European Union or the European Economic Area must be in possession of a Netherlands residence permit which is valid indefinitely in order to be eligible for a loan to help him/her buy a home or, as an owner-occupier, make improvements to his/her home?  2.Is the Commission aware that the Netherlands only grants the right to such a residence permit once the applicant has been entered in the population register of a Dutch municipality for five years, even if the person concerned can prove with the aid of witnesses or by producing an employment contract that he/she has been resident in the Netherlands for longer?  3.Does the Commission agree that there is no need for a requirement to produce a residence permit of indefinite validity as a means of combating speculation by people who are not resident in the Netherlands, because the rules governing mortgage guarantees also state that a guarantee is valid only if the beneficiary occupies the dwelling in person and it is his/her permanent principal home, and the guarantee remains valid only so long as this continues to be the case?  4.Do the new rules constitute discrimination on grounds of nationality, bearing in mind that people who wish to settle in the Netherlands for a long period and spouses of Netherlands nationals who themselves are nationals of another Member State of the EU or the EEA are placed at a disadvantage with regard to the opportunity to buy a dwelling with the intention of living in it in person?  5.What will the Commission do to put an end to this unequal treatment and discrimination on grounds of nationality?