Swiss franc mortgage loans – a threat or source of benefits to borrowers?

Copernican Journal of Finance & Accounting

Michał Buszko¹ 

[1] Katedra Zarządzania Finansami, Wydział Nauk Ekonomicznych i Zarządzania, Uniwersytet Mikołaja Kopernika w Toruniu;

关键词: mortgage loans;    swiss franc;    exchange rate;    risk;   

DOI  :  10.12775/CJFA.2013.014

来源: DOAJ

【 摘 要 】

This paper relates to issues of hazard, risk and financial benefits generated by currency mortgage loans in Swiss franc granted in Poland. In particular, the paper focuses on situation of borrowers, especially describing hazards and financial benefits against financing in Polish currency. In the paper, the author presents in details the nature and role of currency mortgage loans in banking sector, as well as characterizes risk types burdening banks and borrowers of CHF loans. Also, the author prepared a comparative model of repayment of mortgage loans as well as investigated financial benefits obtained by Swiss franc borrowers in period 2006–2009 against Polish zloty borrowers.

【 授权许可】

Unknown