The mortgage and housing markets inEuropeplay a crucial role in the wider economy and in determining people’s welfare and quality of life since the housing markets are Spoon / Spatula affected by financial abilities of consumers and banking system products.The mortgage and housing markets both should constitute an efficient system that lead to improving the social living conditions and the household standards quality level.It is reached owing to banking system policy within responsible mortgage offer that allows its consumers for affordable access to home ownership.
Activities within the mortgage and housing market support investments creating process in the construction industry and play a key role in the financial European sector, what can be determined as one of the main drivers of the European economy.Recent fluctuations in the currencies ratings caused a sharp debate about mortgages and housing markets.The paper refers the current situation on the mortgage and Stool Softener housing markets in Europe based particularly on the characteristics of the situation inPolandand the banking system reaction.