Abstract:

The housing loan market in Poland has been developing dynamically in recent years. The main collateral in this market has become the mortgage, which increased the importance of the real property value in mortgage credit risk assessment procedures. The value of real estate has become an important element not only in the first phase of the client's creditworthiness assessment process, in determining the size of the loan, but also in the later period during the functioning of the mortgage loan in the banking portfolio.