FIG Peer Review Journal


Bank Risk in Real Estate Finances in Poland (5495)

Ewa Sieminska and Malgorzata Rymarzak (Poland)
Dr. Malgorzata Rymarzak
University of Gdańsk
ul. Armii Krajowej 101
Corresponding author Dr. Malgorzata Rymarzak (email: mrymarzak[at], tel.: + 48 58 523 14 64)

[ abstract ] [ paper ] [ handouts ]

Published on the web 2012-03-08
Received 2011-11-01 / Accepted 2012-02-02
This paper is one of selection of papers published for the FIG Working Week 2012 in Rome, Italy and has undergone the FIG Peer Review Process.

FIG Working Week 2012
ISBN 97887-90907-98-3 ISSN 2307-4086


The authors of the study have presented some of the problems of the banking sector involved in the financing of housing projects in the Polish real estate market. The study begins with a presentation of the Polish economy against those of some other European countries, to continue with the specific nature of investing and the risk sources in the housing market. In particular, the authors have attempted to identify the changes in the credit policies of banks that occurred in the wake of the latest global crisis. This was based on the authors' 2010 survey of 39 branches of 15 major banks, which offer products in the Polish market designed to finance projects in the real estate market.
Keywords: risk; real estate finances; dwelling