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Kredyty hipoteczne w Polsce w kontekście stabilności finansowej i makroekonomicznej

100%
Kata R.
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
|
2015
|
vol. 2(22)
183-196
EN
The dynamic development of the housing loans market in Poland in years 2001-2014 is important for the financial stability of the banking sector and macroeconomic stability. In this context, are important such characteristics of the mortgage portfolio as: monetary and temporal structure of loans, the conditions on which loans, the security level value of residental real estate loans, the criteria for verifying the creditworthiness of customers. Important is also fact that long-term mortgages were financed using short-term deposits. These features of the housing loan portfolio in Poland create many threats to financial and macroeconomic stability.
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"Credit Holidays" - Origins and Cost-effectiveness Analysis of Use by Eligible Borrowers Using Selected Examples

88%
Borys M.
Finanse i Prawo Finansowe
|
2023
|
vol. 2
|
issue 38
23-43
EN
The occurrence of negative phenomena over the past two years: the Covid-19 pandemic, the temporary disruption of supply chains, the war in Ukraine and the energy crisis has affected many aspects of the global economy, including the rise in inflation and interest rates. All borrowers, including more than two million households in Poland repaying home loans, have been affected by these changes - most notably visible in the dynamic increase in lending rates. In order to help borrowers repay the instalments of such loans granted in zloty, the Legislator introduced legislation in July 2022 allowing for the use of „credit holidays”. The purpose of this article is to present the results of a study carried out on the basis of sample home loans - the impact of the introduction of „credit holidays” on the level of loan principal and instalments, assuming that all the money saved from the suspension of instalments is used to overpay the loan.
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