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Wyświetlanie 1-2 z 2
Tytuł:
HOUSING MARKETS IN SELECTED EUROPEAN COUNTRIES AND THE USA
Autorzy:
Gostkowska-Drzewicka, Magdalena
Powiązania:
https://bibliotekanauki.pl/articles/599628.pdf
Data publikacji:
2012
Wydawca:
Wyższa Szkoła Informatyki i Zarządzania z siedzibą w Rzeszowie
Tematy:
real estate market
dwellings
mortgage loans
Opis:
The aim of this article is to present the changes taking place in housing markets in selected European countries and in the USA. The basic research period covers the years 1998-2009. However, wherever availability of data allowed so, we covered with our research also the years 1963-2010. The development of domestic housing markets is determined both by specific features of local markets and by macroeconomic factors influencing the economic situation. The availability of capital to finance investment is of primary importance for the changes taking place in housing markets. This factor can be expressed by the volume of mortgage debt related to GDP and inflation and the level of interest rates on mortgage loans. The evaluation of the changes occurring in domestic housing markets was based on the identification of such structural characteristics as: the volume of the housing stock, the number of ready-to-use flats, the number of issued building permits, the indices of housing prices, and the number of transactions concerning purchase of flats or houses.
Źródło:
Finansowy Kwartalnik Internetowy e-Finanse; 2012, 8, 1; 23-37
1734-039X
Pojawia się w:
Finansowy Kwartalnik Internetowy e-Finanse
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
"Credit Holidays" - Origins and Cost-effectiveness Analysis of Use by Eligible Borrowers Using Selected Examples
Autorzy:
Borys, Marcin
Powiązania:
https://bibliotekanauki.pl/articles/36478926.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
mortgage loans
credit holidays
residential property market
housing loans market
interest rates
Opis:
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.
Źródło:
Finanse i Prawo Finansowe; 2023, 2, 38; 23-43
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
    Wyświetlanie 1-2 z 2

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