Wybrane czynniki ryzyka hipotecznych kredytow mieszkaniowych i ich wplyw na stabilnosc gospodarstw domowych w Polsce
SELECTED RESIDENTIAL MORTGAGE LOAN RISK FACTORS AND THEIR IMPACT ON HOUSEHOLD STABILITY IN POLAND
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The article provides a brief presentation of the residential mortgage loan portfolio structure with a special focus on the portfolio's quality and its potential fluctuations resulting from the materialization of the analyzed risk factors. The presentation will consider first and foremost to what extent selected risk factors related to residential mortgage loans influence stability and financial standing of households. For reasons of space, the following selected factors will be discussed in the paper: loan currency, LTV, FX rates fluctuations and the term of the loan. Theoretical discussion has been illustrated by several figures and tables.
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