Makroekonomiczne czynniki rozwoju ubezpieczeń kredytów hipotecznych w warunkach polskich

• Autorzy: Magdalena Bulik

Warianty tytułu

Macroeconomic Factors of the Mortgage Credit Insurance Development in the Polish Insurance Market Conditions

• Języki publikacji: PL

Abstrakty

Scharakteryzowano rynek ubezpieczeń kredytów hipotecznych oraz omówiono czynniki makroekonomiczne wpływające na jego rozwój.

EN

The mortgage credit is the best and the most systematic developing bank's product in Poland. In the years 1995-2003 there has been a fast development of the mortgage credit market in Poland. It depended on many macroeconomic factors, for example: growth of gross domestic product (GDP), decrease of unemployment rate, drop of inflation, reduction of the mortgage credit interest rate, increase of the population income, real estate supply and demand on the local real estate market and evolution of the real estate price during the business cycle on this market. The mortgage collateral is also important. In the last few years there has been drop of inflation. It enabled reduction of the mortgage credit interest rate in domestic and foreign currency. In effect there has been a growth of the housing credit availability for households. Unfortunately there has been a decreased demand on the real estate market, because of the polish economic situation aggravation, high unemployment rate, high prices on the real estate market, tax allowance liquidation, real estate sales value added tax (VAT) launching and no consequent supporting policy on the polish building of apartment houses market. It is well known, that there must exist insurance to develop a mature housing credit market. This product is a bank's credit risk collateral and a condition of the mortgage banks development. (original abstract)

Słowa kluczowe

PL

Kredyt hipoteczny; Ubezpieczenie kredytu

EN

Mortgage credit; Credit insurance

• Czasopismo: Prace Naukowe Akademii Ekonomicznej we Wrocławiu
• Rocznik: 2004
• Numer: nr 1037, t. 1 Inwestycje finansowe i ubezpieczenia - tendencje światowe a polski rynek. T. 1
• Strony: 65--74

Twórcy

autor

Magdalena Bulik

• Akademia Ekonomiczna we Wrocławiu

Bibliografia

• Cyburt P.: Rynek bankowości hipotecznej i jego perspektywy rozwoju. "Prawo Bankowe" 2003, nr 6 (70).
• Gregorowicz A.: Reforma systemu ksiąg wieczystych w Polsce a kredytowanie hipoteczne. "Prawo Bankowe" 2003, nr 6(70).
• Sobotka J.: Ekonomiczne perspektywy rozwoju rynku kredytów hipotecznych. "Prawo Bankowe" 2003, nr 6 (70).