{"metadata":[{"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":["Volume"],"pl":["Tom/Rocznik"]},"value":{"en":["24"],"pl":["24"],"universal":["24"]}},{"label":{"en":["Related Identifier Type"],"pl":["Typ identyfikatora"]},"value":{"en":["ISSN-L"],"pl":["ISSN-L"],"universal":["ISSN-L"]}},{"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":["Date copyrighted"],"pl":["Data zastrzeżenia praw autorskich"]},"value":{"en":["2018"],"pl":["2018"],"universal":["2018"]}},{"label":{"en":["Abstract"],"pl":["Abstrakt"]},"value":{"en":["Subsequent legislative actions were taken in Hungary in 2010\u20132015 in order to successively eliminate denominated in foreign currency loans from the market and thus gradually contribute to a reduction in the indebtedness of Hungarians resulting from the mortgage loans in Swiss francs (andother currencies) drawn in masses during the recent years. The Hungarian legislators gradually,through prohibiting the banks to employ practices unfavorable for the customers (currency spreads, unilateral increase in interest rates on loans) arrived at the automatic conversion of denominated foreign currency loans to the domestic currency, i.e. the forint.The mechanism implemented in Hungary, consisting in automatic loan conversion at the current rate, was a compromise, as it encumbered not only the banks, but also the borrowers. The latter were held responsible for the increase in the exchange rate of the currency (the Swiss franc), but they received compensation in the form of reimbursement of the amounts overpaid due to the unfavorable practices employed by the banks. Thus, the solution implemented in Hungary was to preserve the symmetry between the customers and the banks, since the mechanism of automatic conversion at the current rate as such resulted in the customers have been owning more forints after the conversion than on the date of entering into the loan agreement with the bank. As a result, the first effects of the conversion were fairly neutralized, however the subject has certainly not been exhausted"]}},{"label":{"en":["Autor opisu"],"pl":["Autor opisu"]},"value":{"en":["WR U/PAdjm"],"pl":["WR U/PAdjm"],"universal":["WR U/PAdjm"]}},{"label":{"en":["Alternative title"],"pl":["Tytuł odmienny"]},"value":{"en":["The effects of currency conversion in Swiss francs in Hungary"]}},{"label":{"en":["Role"],"pl":["Rola"]},"value":{"pl":["Rutkowska-Tomaszewska, Edyta : Redaktor"]}},{"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":["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":["Detailed Type"],"pl":["Szczegółowy typ zasobu"]},"value":{"en":["article"],"pl":["artykuł"]}},{"label":{"en":["Abstract Language "],"pl":["Język streszczenia"]},"value":{"en":["eng"],"pl":["eng"],"universal":["eng"]}},{"label":{"en":["Location of original object"],"pl":["Lokalizacja oryginału"]},"value":{"pl":["Biblioteka Wydziału Prawa, Administracji i Ekonomii"]}},{"label":{"en":["Place of publishing"],"pl":["Miejsce wydania"]},"value":{"en":["Wrocław"],"pl":["Wrocław"],"universal":["Wrocław"]}},{"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"]}},{"label":{"en":["Resource Type"],"pl":["Typ zasobu"]},"value":{"en":["text"],"pl":["tekst"]}},{"label":{"en":["Contributor"],"pl":["Współtwórca"]},"value":{"pl":["Rutkowska-Tomaszewska, Edyta"]}},{"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":["Language"],"pl":["Język"]},"value":{"en":["pol"],"pl":["pol"],"universal":["pol"]}},{"label":{"en":["Identifier"],"pl":["Identyfikator"]},"value":{}},{"label":{"en":["Title"],"pl":["Tytuł"]},"value":{"pl":["Skutki przewalutowania kredytów denominowanych we franku szwajcarskim na Węgrzech"]}},{"label":{"en":["LastPage"],"pl":["Ostatnia strona"]},"value":{"en":["149"],"pl":["149"],"universal":["149"]}},{"label":{"en":["First Page"],"pl":["Pierwsza strona"]},"value":{"en":["137"],"pl":["137"],"universal":["137"]}},{"label":{"en":["Issue"],"pl":["Numer"]},"value":{"en":["1"],"pl":["1"],"universal":["1"]}},{"label":{"en":["Publisher"],"pl":["Wydawca"]},"value":{"en":["Wydawnictwo Uniwersytetu Wrocławskiego"],"pl":["Wydawnictwo Uniwersytetu Wrocławskiego"],"universal":["Wydawnictwo Uniwersytetu Wrocławskiego"]}},{"label":{"en":[" Is version of"],"pl":["Jest wersją"]},"value":{"en":["https://czasopisma.uwr.edu.pl/ekon/article/view/8488"],"pl":["https://czasopisma.uwr.edu.pl/ekon/article/view/8488"],"universal":["https://czasopisma.uwr.edu.pl/ekon/article/view/8488"]}},{"label":{"en":["Subject and Keywords"],"pl":["Temat i słowa kluczowe"]},"value":{"en":["denominated in foreign currency loans in Hungary","automatic conversion of foreign currency"],"pl":["kredyt hipoteczny","franki szwajcarskie","Węgry","kredyty walutowe","kredyty denominowane w CHF","waluta"]}},{"label":{"en":["Creator"],"pl":["Twórca"]},"value":{"pl":["Sieńko-Kowalska, Beata"]}},{"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"]}}],"id":"https://repozytorium.uni.wroc.pl/manifest","label":{"pl":["Skutki przewalutowania kredytów denominowanych we franku szwajcarskim na 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