„Bezterminowy” kredyt bankowy – interpretacja prawna umowy o kredyt na cele mieszkaniowe z odroczoną spłatą należności w ramach kontroli cywilno-sądowej

• Authors: Aleksandra Nadolska

Title variants

EN

“Indefinite-term” bank loan – legal interpretation of deferred-payment housing loan agreement within the framework of civil and court control

Abstracts

EN

The loan agreement is concluded for a definite period of time and that fact is not precluded by the absence of a fixed date of repayment of liabilities thereunder. The definite nature of the obligation is not tantamount to the parties’ determining a specific date. This article is aimed at demonstrating that the date of final payment of obligations under a loan agreement can be marked by a specific (future and certain) event consisting in the borrower’s repayment of their debt. This leads to the conclusion that long-term housing loans with a deferred payment of a part of the debt, as granted by PKO B.P. S.A. in the period 1997–1998, cannot be considered invalid solely on that basis. Also of importance for the assessment of the matter at hand are: the specificity of the financial market, the point of time when the loan agreement was concluded (high inflation), the then consumer protection paradigm, as well as the analysis of social and economic costs of banking operations.

Keywords

EN

long-term bank credit (or long-term housing Loans); repayment date of the loan (or the date of final payment of obligations under a loan agreement); deferred payment of receivables; creditworthiness; consumer (client) protection; validity of a legal act

• Publisher: Kancelaria Sejmu / Chancellery of the Sejm
• Journal: Zeszyty Prawnicze BAS
• Year: 2017
• Issue: 2(54)
• Pages: 29-46

Dates

published

2017

Contributors

author

Aleksandra Nadolska

• Wyższa Szkoła Administracji i Biznesu w Gdyni

References

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• 3. R.A. Posner, Economic Analisis of Law, cz. VII, Boston–Toronto 1977
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• 8. J. Molis [w:] Prawo bankowe Komentarz, t. I i II, A. Zoll (red.), Kraków 2005
• 9. T. Czech, Wypowiedzenie umowy kredytu przez kredytodawcę, „Monitor Prawa Bankowego” 2014, nr 12(49)
• 10. P. Turek, Problematyka przedterminowej spłaty kredytu, „Przegląd Prawa Handlowego” 2013, nr 5

Identifiers

Biblioteka Nauki

2215754