Object structure

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Title:

Aktualne problemy związane z detalicznymi kredytami hipotecznymi

Alternative title:

Current problems related to retail mortgages

Creator:

Lipko, Michał

ORCID:

0000-0002-9689-0612

Subject and Keywords:

mortgage ; interest rate ; own contribution ; fixed interest rate ; “key for debt”

Description:

Tyt. zeszytu: Prawo wobec jednostki i społeczeństwa

Abstract:

The purpose of this article is to present current problems related to retail mortgage loans, which seem to be the most important type in the light of the amendment to RecommendationS proposed by the Polish Financial Supervision Authority, and to show that the supervisory authority is aiming at transforming the Polish mortgage loan market while ensuring greater security for bor-rowers. The issue of interest rate and its impact on the cost of credit has been discussed. This became the basis for considering fixed and variable interest rates on retail mortgages and showing the situa-tion of the Polish market in relation to European markets. Moreover, the issues related to the neces-sity of making one’s own contribution and its impact on the amount of credit installments have been discussed. The report additionally discusses the issue of loans with the “key for debt” option, which is anew proposal for the Polish market.

Place of publishing:

Wrocław

Publisher:

Wydawnictwo Uniwersytetu Wrocławskiego

Contributor:

Jakubowski, Sebastian. Red. ; Kostecka-Jurczyk, Daria. Red.

Date issued:

2019

Identifier:

ISSN 1733-5779 ; ISSN 0239-6661

DOI:

10.19195/1733-5779.30.5

Source:

PAd 102060 II

Language:

pol. ; eng.

Relation:

Studenckie Prace Prawnicze, Administratywistyczne i Ekonomiczne, ISSN 1733-5779. Nr 30 (2019), s. 61-74

Is version of:

Czasopisma Naukowe w Sieci (CNS)

Rights holder:

© Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o., Wrocław 2019

Autor opisu:

WR U/PAdbg