Equity Release Schemes on selected housing loan markets across the world
Equity Release Schemes on selected housing loan markets across the world

Summary/Abstract: The inverted mortgage is a product that has been present in the global markets for many years. In Poland, due to the lack of appropriate legal regulations, it cannot be granted, therefore it is still little known, both among the public and some financial services institutions. This situation may change, however, thanks to the bill prepared by the Ministry of Finance, designed to enable banks in Poland to include this type of instrument in their offer. The introduction of the inverted mortgage on the Polish market, however, may face many obstacles. There are doubts whether due to the demographic situation in Poland, as well as economic and social conditions, this product will meet the appropriate public interest. What is more, the concept of inverted mortgages in our country raises a lot of controversy, because it is incompatible with some current law rules.

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