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  1. 1 Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne

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  1. 1 2015

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  1. 1 Kata R.

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Kredyty hipoteczne w Polsce w kontekście stabilności finansowej i makroekonomicznej

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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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