Risk, bank, mortgage loan, variable and fixed interest rate

          The main purpose of the study is to present the characteristics of risk associated with the lending policies of banks, with particular focus on mortgage loans in Poland. Risk is concomitant with any economic activity, regardless of the sector in which it is conducted. It is also an unavoidable element in the banking sector and its lending activities, including granting mortgage loans. The study contain an analysis of the current situation of the mortgage loan sector, which is largely based on variable interest rates. It is one of the main potential sources of system risk in the banking sector in Poland.  It also demonstrates the opportunities for a wider introduction of fixed-rate mortgage loans onto the Polish market. Fixed-rate mortgage loans have benefits for both the client and the bank. Increasing the number of fixed-rate loans would strengthen the Polish banking sector while also providing greater stability and security to borrowers.