“In the group of institutions with particular risk exposure there are mortgage banks with large loan portfolios on the one hand and relatively small revenues on the other – admits Jacek Barszczewski, spokesman of the financial supervision committee in an interview with “DGP”.
The newspaper points out that mortgage-backed loans at mortgage banks are financed by the issue of covered bonds. “The problem is that this year and next year, lenders may not receive a total of eight installments from customers – both interest and principal – yet they will have to provide money to service their issued securities on time. The risk of a disturbance in financial liquidity also applies to other banks, but in these banks the share of mortgages in the portfolio is usually lower“- we read.
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As the daily emphasizes, the credit holidays that the Seym is working on are intended to help people affected by the sharp rise in interest rates.
