Determinanty popytu na usługi bankowe na przykładzie kredytów konsumpcyjnych i mieszkaniowych w latach 2004–2013
Determinants of demand for banking services − the case of consumer and housing loans in the years 2004-2013

Summary/Abstract: The aim of the article is to compare the direction and impact of economic determinants affecting household demand for consumer and housing loans. Economic situation of households, access to alternative sources of financing, conditions and lending criteria, the need to finance the purchase of consumer durables and forecasts of the situation in the housing market are some of the factors which have been taken into account in the article among the ones affecting demand for both categories of loans. The basis of analysis are data from business tendency surveys conducted among the chairmen of banks’ credit committees. The results indicate a partial similarity in terms of the direction and strength of impact of the determinants of demand for both categories of loans in each year.

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