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1

Ustanowienie hipoteki umownej na zabezpieczenie wierzytelności wekslowej

100%
Czech T.
Rejent
|
2022
|
issue 2 (370)
28-46
EN
Receivables under bills of exchange can be secured by a contractual mortgage. This also applies to future claims under blank bills. The mortgage can be established in the form of a notarial deed or in a written statement for the benefit of a bank. The secured receivables should be appropriately described in the mortgage agreement. The basis for entering a mortgage into the land and mortgage register is an extract from a notarial deed or a bank document. It is not necessary to present a bill of exchange or its copy to the court.
2
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Analiza czynników wpływających na rozwój rynku odwróconego kredytu hipotecznego

75%
Kubiszewska K.
Studia Ekonomiczne
|
2013
|
vol. 173
280-296
EN
The article concerns main determinants influencing the development of the product's market. The main objective of the article is the analysis of those factors which are main determinants for the market of reverse mortgage. The demand for this product is the result of various factors which can be classified into 3 groups. The first group is the situation on the real estate market, including liquidity of the market and financing the purchases. The second group of determinants is demographic situation in a country. The main aspect is age structure of the society and share of retired and their material and financial status. The third group which is the most difficult to be estimated are culture and psychological conditions. All of these factors can be either the catalyst or the barrier for the reverse mortgage's market development.
3

Konsekwencje nowelizacji ustawy o księgach wieczystych i hipotece dla banków

75%
Wiktorzak A.
Acta Iuris Stetinensis
|
2012
|
issue 3
63 - 81
EN
The concept of a bank-registered mortgage has been shaped in banking practice, case-law and the legal doctrine, as economic activities cover mortgages established on the basis of bank documents certifying that a loan has been granted, without the mortgage being necessarily established in the form of a notarial act as required by the Civil Code. The bank-registered mortgage means a mortgage which has been recorded into land and mortgage registers on the basis of bank documents specified in Article 95 of Banking Law. However, the possibility of mortgage establishment on the basis of a bank document does not excludes the necessity for negotiating a security and for the parties’ concluding an appropriate agreement in this respect, the agreement being the cause of the mortgage establishment. The distinctive feature of the bank-registered mortgage is a bank’s entitlement to apply the simplified basis for recording the mortgage to the benefit of the bank. Thus, compared with other types of mortgages, the only difference is the basis for recording the mortgage into a land and mortgage register; unchanged remains the whole procedure for establishing this restricted property right, for which the registration is just one of the necessary conditions, (not sufficient though). Banks are particularly interested in securing bank loans with mortgages, as such a security ensures that in case of the borrower’s breach of the contract debt due will be entirely covered by money from the sale of the mortgaged property.
4
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Efekty aktualizacji wartości nieruchomości dla symulowanego portfela kredytów hipotecznych

63%
Bywalec M.
Studia Ekonomiczne
|
2018
|
vol. 370
7-26
PL
Podjęty w artykule problem badawczy koncentruje się na poszukiwaniu odpowiedzi na pytanie, czy zmiany w wartości nieruchomości, stanowiących potencjalne zabezpieczenie symulowanego portfela kredytów hipotecznych udzielonych na zakup mieszkania we Wrocławiu, są po 5 latach funkcjonowania kredytów na tyle znaczące, aby zagrażały funkcjonowaniu banku. Celem artykułu jest analiza zmian wartości nieruchomości stanowiących zabezpieczenie dla potencjalnego portfela kredytów hipotecznych udzielonych w 2011 r. w stosunku do wartości tego portfela nieruchomości wycenianego na 2016 r. Celem pośrednim stała się analiza zbioru danych o nieruchomościach, znajdującego się w posiadaniu urzędu ewidencji gruntów i budynków, z punktu widzenia przydatności bazy do celów przeszacowania wartości nieruchomości. Hipoteza postawiona w przeprowadzonych badaniach brzmiała: istnieje konieczność dokonywania stałej analizy zmian wartości zabezpieczenia hipotecznego w portfelach hipotecznych polskich banków.
EN
Polish regulations concerning the credit risk management process in banks’ portfolios require banks to update the value of real estate collateralized as collateral for mortgages. However, because the mechanism of updating property values − using standard valuation methods is complicated, time consuming, expensive and requires extensive databases, banks are not interested in conducting such a process more often than once a year, as the KNF instructs. Taking into account changes in real estate value over time and the changes taking place in the economy of Poland and the world, it seems reasonable to carry out such a regular update. The research problem is focused on the analysis of changes in real estate value in the hypothetical bank portfolio. The purpose of this article is to analyze the changes in the value of real estate collateral for a potential mortgage portfolio in 2011 against the value of this property portfolio valued at 2016. The indirect objective is to analyze the property data of the land and buildings registry, from the point of view of the usefulness of the database for the purpose of updating the value of the property.
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