Object

PLMET:

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Title:

Uprawnienia kredytobiorcy zaciągającego kredyt denominowany lub indeksowany do waluty innej niż polska w świetle ustawy antyspreadowej

Alternative title:

Rights of the borrower committing denominated or indexed loan in a foreign currencyin light of the Anti-spread Act

Creator:

Paleczna, Magdalena   Rutkowska-Tomaszewska, Edyta

ORCID:

0000-0001-7646-1055   0000-0001-9359-7034

Subject and Keywords:

denominated loan in a foreign currency   borrower rights   credit spread   early repayment of credit   consumer protection  
pożyczka denominowana   waluta obca   prawa kredytobiorcy   przedterminowa spłata kredytu   ochrona konsumentów

Description:

Od 2013 pt.: Ekonomia - Wroclaw Economic Review

Abstract:

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

Place of publishing:

Wrocław

Publisher:

Wydawnictwo Uniwersytetu Wrocławskiego

Contributor:

Rutkowska-Tomaszewska, Edyta. Red.

Date issued:

2018

Date copyrighted:

2018

Detailed Type:

czasopisma online

Identifier:

oai:repozytorium.uni.wroc.pl:94191   ISSN 2084-4093

DOI:

10.19195/2084-4093.24.1.3

Language:

eng   pol

Relation:

Acta Universitatis Wratislaviensis, ISSN 0239-6661 ; no 1152. Ekonomia, ISSN 2084-4093 ; 24/1, s. 39-56

WUL Catalog:

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Is version of:

Czasopisma Naukowe w Sieci

Rights holder:

Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o.

Location of original object:

Biblioteka Wydziału Prawa, Administracji i Ekonomii

Autor opisu:

WR U/PAdjm