<abstract xmlns="http://www.w3.org/1999/xhtml">

<p>The aim of the article is to determine the profile of an average Polish household and the possibility of satisfying average housing needs thereof as well as to indicate the role played by the bank in their implementation. The characteristics of an average household, the value of income and expenses thereof, the prices of residential properties and the data of the credit market were determined. statistical studies, The research material was obtained from reports and including data from the Statistics Poland, Eurostat, the database of residential property prices of the National Bank of Poland and the average offer prices of the rental market – for 2018, which reflects the current economic situation. The research was of a quantitative nature (statistical measures, housing availability index, credit simulations). The results indicate that as of 2018 an average household cannot afford to buy or rent a flat. The bank’s role in satisfying housing needs is not only important but rather necessary.</p>
</abstract>

The aim of the article is to determine the profile of an average Polish household and the possibility of satisfying average housing needs thereof as well as to indicate the role played by the bank in their implementation. The characteristics of an average household, the value of income and expenses thereof, the prices of residential properties and the data of the credit market were determined. statistical studies, The research material was obtained from reports and including data from the Statistics Poland, Eurostat, the database of residential property prices of the National Bank of Poland and the average offer prices of the rental market – for 2018, which reflects the current economic situation. The research was of a quantitative nature (statistical measures, housing availability index, credit simulations). The results indicate that as of 2018 an average household cannot afford to buy or rent a flat. The bank’s role in satisfying housing needs is not only important but rather necessary.

The Role of the Bank in Meeting the Housing Needs of an Average Household – Evaluation of the Situation in 2018

Studia Humana

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

The aim of the article is to determine the profile of an average Polish household and the possibility of satisfying average housing needs thereof as well as to...

The Role of the Bank in Meeting the Housing Needs of an Average Household – Evaluation of the Situation in 2018

Published Online: Jul 15, 2021

Page range: 61 - 69

DOI: https://doi.org/10.2478/sh-2021-0019

Keywords
residential needs, residential property, housing market, mortgage loan

© 2021 Marta Martyniak, published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

The Role of the Bank in Meeting the Housing Needs of an Average Household – Evaluation of the Situation in 2018

Published Online: Jul 15, 2021

Page range: 61 - 69

DOI: https://doi.org/10.2478/sh-2021-0019

Keywordsresidential needs, residential property, housing market, mortgage loan

© 2021 Marta Martyniak, published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Keywords
residential needs, residential property, housing market, mortgage loan