Analiza wybranych czynników wpływających na rynek ubezpieczeń kredytów hipotecznych w latach 2001–2012
Analysis of selected factors affecting the mortgage loan insurance market in the years 2001–2012

Summary/Abstract: The aim of the article is to analyse selected factors affecting development of the mortgage loan insur- ance market in Poland.Development of the mortgage loan insurance market depends, to a significant extent, on development of the mortgage loan market and the real estate one (mainly in the residential real estate segment). Apart from these key aspects, there are also other factors which affect development of the mortgage loan in- surance market. They can be divided into two groups: economic/demographic factors and legal/financial ones. The first group includes mainly: inflation, unemployment rate, average monthly salary, birth rate, increase in the number of households; whereas the second one includes: level of interest rates, margin on mortgage loans, exchange rate and recommendations issued by the Polish Financial Supervision Authority.

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