- Tytuł:
-
„Bezterminowy” kredyt bankowy – interpretacja prawna umowy o kredyt na cele mieszkaniowe z odroczoną spłatą należności w ramach kontroli cywilno-sądowej
“Indefinite-term” bank loan – legal interpretation of deferred-payment housing loan agreement within the framework of civil and court control - Autorzy:
- Nadolska, Aleksandra
- Powiązania:
- https://bibliotekanauki.pl/articles/2215754.pdf
- Data publikacji:
- 2017
- Wydawca:
- Kancelaria Sejmu. Biuro Analiz Sejmowych
- Tematy:
-
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 - Opis:
- 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.
- Źródło:
-
Zeszyty Prawnicze BAS; 2017, 2(54); 29-46
1896-9852
2082-064X - Pojawia się w:
- Zeszyty Prawnicze BAS
- Dostawca treści:
- Biblioteka Nauki
Artykuł