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		<identifier>oai:repozytorium.uni.wroc.pl:94191</identifier>
	    <datestamp>2026-01-09T11:16:43Z</datestamp>
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<dc:title xml:lang="pl"><![CDATA[Uprawnienia kredytobiorcy zaciągającego kredyt denominowany lub indeksowany do waluty innej niż polska w świetle ustawy antyspreadowej]]></dc:title>
<dc:creator><![CDATA[Paleczna, Magdalena]]></dc:creator>
<dc:creator><![CDATA[Rutkowska-Tomaszewska, Edyta]]></dc:creator>
<dc:subject xml:lang="en"><![CDATA[denominated loan in a foreign currency]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[borrower rights]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[credit spread]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[early repayment of credit]]></dc:subject>
<dc:subject xml:lang="en"><![CDATA[consumer protection]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[pożyczka denominowana]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[waluta obca]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[prawa kredytobiorcy]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[przedterminowa spłata kredytu]]></dc:subject>
<dc:subject xml:lang="pl"><![CDATA[ochrona konsumentów]]></dc:subject>
<dc:description xml:lang="de"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="uk"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="en"><![CDATA[In 2004–2008 banks offered consumer denominated loan in a foreign currency, which was a competitive position in relation to a PLN credit facility. Banks had not informed about foreign exchange differences, therefore had caused increase in household indebtedness. Banks also had reserved that consumer has to buy currency only from the bank-lender. In 2011 the Anti-spread Act was adopted, which amended banking law and consumer credit law. Creditors were obligated to inform consumer about rules of determining the manners and dates of fixing the currency exchange rate on the basis of which in particular the amount of credit, its tranches and principal and interest instalments are calculated, and the rules of converting into the currency of credit disbursement or repayment. That information and information about the rules of opening and operating the account shall be concluded in a credit contract. Borrower can repay principal and interest instalments and prepay the full or partial amount of the loan directly in that currency]]></dc:description>
<dc:description xml:lang="en"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="it"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="fr"><![CDATA[Wrocław]]></dc:description>
<dc:description xml:lang="pl"><![CDATA[Wrocław]]></dc:description>
<dc:publisher><![CDATA[Wydawnictwo Uniwersytetu Wrocławskiego]]></dc:publisher>
<dc:contributor><![CDATA[Rutkowska-Tomaszewska, Edyta]]></dc:contributor>
<dc:date><![CDATA[2018]]></dc:date>
<dc:type xml:lang="en"><![CDATA[text]]></dc:type>
<dc:type xml:lang="pl"><![CDATA[tekst]]></dc:type>
<dc:identifier><![CDATA[https://doi.org/10.19195/2084-4093.24.1.3]]></dc:identifier>
<dc:identifier><![CDATA[http://repozytorium.uni.wroc.pl/Content/94191/PDF/04_Paleczna_M_Rutkowska_Tomaszewska_E_Uprawnienia_kredytobiorcy_zaciagajacego_kredyt_denominowany_lub_indeksowany_do_waluty_innej_niz_polska_w_swietle_ustawy_antyspreadowej.pdf]]></dc:identifier>
<dc:identifier><![CDATA[https://repozytorium.uni.wroc.pl/dlibra/publication/100577/edition/94191/content]]></dc:identifier>
<dc:identifier><![CDATA[oai:repozytorium.uni.wroc.pl:94191]]></dc:identifier>
<dc:language><![CDATA[pol]]></dc:language>
<dc:relation><![CDATA[https://czasopisma.uwr.edu.pl/ekon/article/view/8483]]></dc:relation>
<dc:relation><![CDATA[https://czasopisma.uwr.edu.pl/ekon]]></dc:relation>
<dc:rights xml:lang="de"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="uk"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[Making materials available on the basis of the agreement with the owner of the property copyrights]]></dc:rights>
<dc:rights xml:lang="en"><![CDATA[The use of this material is allowed only with accordance of applicable rules of fair use or other exceptions provided by law, and any broader use requires the permission of the authorized entity]]></dc:rights>
<dc:rights xml:lang="it"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="fr"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Udostępnianie na podstawie umowy z właścicielem majątkowych praw autorskich]]></dc:rights>
<dc:rights xml:lang="pl"><![CDATA[Korzystanie z tego materiału jest możliwe zgodnie z właściwymi przepisami o dozwolonym użytku lub innych wyjątkach przewidzianych w przepisach prawa, a korzystanie w szerszym zakresie wymaga uzyskania zgody uprawnionego]]></dc:rights>
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