Ochrona konsumentów na rynku hipotecznych kredytów mieszkaniowych. Ujęcie analityczne z wykorzystaniem analizy czynnikowe
Consumer protection in the mortgage loan market – an analytical approach using factor analysis

Author(s): Marta Paduszyńska
Subject(s): Economy, Micro-Economics, Transport / Logistics
Published by: Wydawnictwo Uniwersytetu Łódzkiego
Keywords: consumer protection; mortgage loans; factor analysis
Summary/Abstract: The monograph is devoted to consumer protection in the mortgage loan market in Poland. The study is interdisciplinary in nature and refers to economic, legal, and social issues. It includes a review of the literature and legal regulations as well as the author's own research, which allows for the presentation of consumer opinions and experiences. The main objective of the monograph was to identify and assess the importance of factors identifying consumer protection in the context of banks' practices on the mortgage loan market. The empirical study was based on data collected using an original research questionnaire on a sample of nearly 1,000 consumers in Poland who had a mortgage-backed housing loan. Analysis of the results obtained using factor analysis allowed positive verification of the research hypothesis. It was shown that among the factors identifying consumer protection in the mortgage loan market (availability of information and professional and honest service, ensuring the possibility of dispute resolution and data security, transparency/comprehensibility of information, ethical advertising), the most important are the availability of information and professional and honest service. The results of the study allow for the assessment of consumer protection aspects also from the perspective of the socio-demographic characteristics of the respondents, which constitutes the added value of the study.

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