Kredyt w procesie zadłużania się gospodarstw domowych
Loan in the process of getting households into debt

Summary/Abstract: The following dissertation presents the process of formation of excessive debts of households due to credit obligations. Moreover, it meticulously describes the mistakes the borrowers make in the process of concluding credit contracts as well as it shows the mistakes along with the gaps in the bank systems evaluating the credit capacity and the influence of these factors on the growth of the quantity of endangered credits. The paper was based on the investigation of the BIK (credit inquiry office) borrowers reports who lost the capacity to service their debts and asked for help for the solution to the loan repayment of the obligations to the author’s office.

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