PRZEGLĄD ZABEZPIECZEŃ RZECZOWYCH WRAZ Z PERSPEKTYWĄ ZMIAN (HIPOTEKA, DŁUG GRUNTOWY, PRZEWŁASZCZENIE NIERUCHOMOŚCI NA ZABEZPIECZENIE)
THE REVIEW OF COLLATERAL SECURITIES AND THE COLLATERAL MARKET OUTLOOK (MORTGAGE, LAND DEBT, TRANSFER OF REAL ESTATE)

Summary/Abstract: The article touches upon the issue of real estate collateral. The amendment to The Land and Mortgage Registers and Mortgage Act of 26th June 2009 introduced system changes in the mortgage construction, including many solutions that revolutionized the rule of accessoriness of this limited property laws. The amendment was assessed positively by the doctrine. However, in terms of the effective act there is no “subjectless” mortgage, meaning a mortgage that does not state the subject whose debt is to be secured. As a result, the article analyses the legitimacy of introducing nonaccessory limited property laws in a form of land debt. In order to analyze it, mortgage, land debt and transfer of real estate institutions were compared. The last institution, which was created mainly through trade practice, is perceived as competitive for land debt. The similarity of both legal structures have become the inducement to the attempt to adopt the solutions of the land debt legislative proposal in the context of the protection of the rights of the owner for the purposes of transfer of real estate.

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