Koszt kredytów hipotecznych we franku szwajcarskim a ryzyko utraty wypłacalności gospodarstw domowych
Cost of mortgages in Swiss francs vs. a risk of insolvency of households

Summary/Abstract: The growing consumerism in our society increases the demand for loans and advances. Market turbulence of mortgage loans granted in Swiss francs and their growing costs are proof that skillful risk management not only by companies but also by households becomes necessary. The first part of the article presents the essence of the financial risks for households. Then it explains why Swiss franc was considered a guarantor of stability in the currency market. The third part contains a synthetic analysis of the credit market, in particular mortgages in Poland. At the end proposals for eliminating the risk of insolvency of households related to the fluctuations of the Swiss franc are depicted.

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