{"metadata":[{"label":{"en":["Access rights"],"pl":["Prawa dostępu"]},"value":{"en":["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"],"pl":["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"]}},{"label":{"en":["License"],"pl":["Licencja"]},"value":{"en":["Making materials available on the basis of the agreement with the owner of the property copyrights"],"pl":["Udostępnianie na podstawie umowy z właścicielem majątkowych praw autorskich"]}},{"label":{"en":["Autor opisu"],"pl":["Autor opisu"]},"value":{"en":["WR U/PAdjm"],"pl":["WR U/PAdjm"],"universal":["WR U/PAdjm"]}},{"label":{"en":["Abstract Language "],"pl":["Język streszczenia"]},"value":{"en":["eng"],"pl":["eng"],"universal":["eng"]}},{"label":{"en":["Detailed Type"],"pl":["Szczegółowy typ zasobu"]},"value":{"en":["article"],"pl":["artykuł"]}},{"label":{"en":["Resource Title"],"pl":["Tytuł źródłowy"]},"value":{"pl":["Acta Universitatis Wratislaviensis. Ekonomia"]}},{"label":{"en":["Date issued"],"pl":["Data wydania"]},"value":{"en":["2018"],"pl":["2018"],"universal":["2018"]}},{"label":{"en":["Resource Type"],"pl":["Typ zasobu źródłowego"]},"value":{"pl":["Czasopismo"]}},{"label":{"en":["Date copyrighted"],"pl":["Data zastrzeżenia praw autorskich"]},"value":{"en":["2018"],"pl":["2018"],"universal":["2018"]}},{"label":{"en":["Role"],"pl":["Rola"]},"value":{"pl":["Rutkowska-Tomaszewska, Edyta : Redaktor"]}},{"label":{"en":["Alternative title"],"pl":["Tytuł odmienny"]},"value":{"en":["Rights of the borrower committing denominated or indexed loan in a foreign currencyin light of the Anti-spread Act"]}},{"label":{"en":["Abstract"],"pl":["Abstrakt"]},"value":{"en":["In 2004\u20132008 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"]}},{"label":{"en":[" Is version of"],"pl":["Jest wersją"]},"value":{"en":["https://czasopisma.uwr.edu.pl/ekon/article/view/8483"],"pl":["https://czasopisma.uwr.edu.pl/ekon/article/view/8483"],"universal":["https://czasopisma.uwr.edu.pl/ekon/article/view/8483"]}},{"label":{"en":["Subject and Keywords"],"pl":["Temat i słowa kluczowe"]},"value":{"en":["denominated loan in a foreign currency","borrower rights","credit spread","early repayment of credit","consumer protection"],"pl":["pożyczka denominowana","waluta obca","prawa kredytobiorcy","przedterminowa spłata kredytu","ochrona konsumentów"]}},{"label":{"en":["Publisher"],"pl":["Wydawca"]},"value":{"en":["Wydawnictwo Uniwersytetu Wrocławskiego"],"pl":["Wydawnictwo Uniwersytetu Wrocławskiego"],"universal":["Wydawnictwo Uniwersytetu Wrocławskiego"]}},{"label":{"en":["Contributor"],"pl":["Współtwórca"]},"value":{"pl":["Rutkowska-Tomaszewska, Edyta"]}},{"label":{"en":["Resource Type"],"pl":["Typ zasobu"]},"value":{"en":["text"],"pl":["tekst"]}},{"label":{"en":["Identifier"],"pl":["Identyfikator"]},"value":{}},{"label":{"en":["Related Identifier"],"pl":["Powiązany identyfikator"]},"value":{"en":["ISSN-L: 2084-4093"],"pl":["ISSN-L: 2084-4093"],"universal":["ISSN-L: 2084-4093"]}},{"label":{"en":["Related Identifier Type"],"pl":["Typ identyfikatora"]},"value":{"en":["ISSN-L"],"pl":["ISSN-L"],"universal":["ISSN-L"]}},{"label":{"en":["Volume"],"pl":["Tom/Rocznik"]},"value":{"en":["24"],"pl":["24"],"universal":["24"]}},{"label":{"en":["Issue"],"pl":["Numer"]},"value":{"en":["1"],"pl":["1"],"universal":["1"]}},{"label":{"en":["First Page"],"pl":["Pierwsza strona"]},"value":{"en":["39"],"pl":["39"],"universal":["39"]}},{"label":{"en":["LastPage"],"pl":["Ostatnia strona"]},"value":{"en":["56"],"pl":["56"],"universal":["56"]}},{"label":{"en":["Title"],"pl":["Tytuł"]},"value":{"pl":["Uprawnienia kredytobiorcy zaciągającego kredyt denominowany lub indeksowany do waluty innej niż polska w świetle ustawy antyspreadowej"]}},{"label":{"en":["Creator"],"pl":["Twórca"]},"value":{"pl":["Paleczna, Magdalena","Rutkowska-Tomaszewska, Edyta"]}},{"label":{"en":["Has version"],"pl":["Ma wersję"]},"value":{"en":["https://czasopisma.uwr.edu.pl/ekon"],"pl":["https://czasopisma.uwr.edu.pl/ekon"],"universal":["https://czasopisma.uwr.edu.pl/ekon"]}},{"label":{"en":["Place of publishing"],"pl":["Miejsce wydania"]},"value":{"en":["Wrocław"],"pl":["Wrocław"],"universal":["Wrocław"]}},{"label":{"en":["Language"],"pl":["Język"]},"value":{"en":["pol"],"pl":["pol"],"universal":["pol"]}},{"label":{"en":["Rights holder"],"pl":["Właściciel praw"]},"value":{"en":["Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o."],"pl":["Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o."],"universal":["Copyright by Wydawnictwo Uniwersytetu Wrocławskiego Sp. z o.o."]}},{"label":{"en":["Relation"],"pl":["Powiązanie"]},"value":{}},{"label":{"en":["Location of original object"],"pl":["Lokalizacja oryginału"]},"value":{"pl":["Biblioteka Wydziału Prawa, Administracji i Ekonomii"]}},{"label":{"en":["PLMET"],"pl":["PLMET"]},"value":{"en":["https://docs.psnc.pl/spaces/FBCMETGUIDE/overview"],"pl":["https://docs.psnc.pl/spaces/FBCMETGUIDE/overview"],"universal":["https://docs.psnc.pl/spaces/FBCMETGUIDE/overview"]}}],"id":"https://repozytorium.uni.wroc.pl/manifest","label":{"pl":["Uprawnienia kredytobiorcy zaciągającego kredyt denominowany lub indeksowany do waluty innej niż polska w świetle ustawy antyspreadowej"]},"type":"Manifest","@context":"http://iiif.io/api/presentation/3/context.json","items":[{"width":1600,"id":"https://repozytorium.uni.wroc.pl/canvas/page1","label":{"@none":["PDF/04_Paleczna_M_Rutkowska_Tomaszewska_E_Uprawnienia_kredytobiorcy_zaciagajacego_kredyt_denominowany_lub_indeksowany_do_waluty_innej_niz_polska_w_swietle_ustawy_antyspreadowej.pdf"]},"type":"Canvas","items":[{"id":"https://repozytorium.uni.wroc.pl/annotation/page1","type":"AnnotationPage","items":[{"motivation":"painting","id":"https://repozytorium.uni.wroc.pl/annotation/page1/1","type":"Annotation","body":{"format":"application/pdf","id":"https://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","label":{"@none":["PDF/04_Paleczna_M_Rutkowska_Tomaszewska_E_Uprawnienia_kredytobiorcy_zaciagajacego_kredyt_denominowany_lub_indeksowany_do_waluty_innej_niz_polska_w_swietle_ustawy_antyspreadowej.pdf"]},"type":"Text"},"target":"https://repozytorium.uni.wroc.pl/annotation/page1"}]}],"height":1200}]}