Odwrócony kredyt hipoteczny jako instrument inkluzyjnego systemu finansowego
Reverse Mortgage as the Instrument of Inclusion Oriented Financial System

Summary/Abstract: Inclusion oriented financial system represents the one which includes financial inclusion instruments. They cover products, services, institutions and legal solutions which are supposed to prevent and solve the problem of financial exclusion. The purpose of the hereby article is to present the new financial instrument on Polish market i.e. reverse mortgage and an attempt to identify its advantages and disadvantages as the tool of financial inclusion. The study applies domestic and foreign subject literature review method and the analysis of legal acts, as well as mathematical methods. The conducted research and observations allow for concluding that reverse mortgage does not represent the bank product tailored adequately for the needs of those threatened with financial exclusion resulting from income gap which appeared after their retirement.

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