摘要：This paper relates to issues of hazard, risk and financial benefits generated by currency mortgage loans in Swiss franc granted in Poland. In particular, the paper focuses on situation of borrowers, especially describing hazards and financial benefits against financing in Polish currency. In the paper, the author presents in details the nature and role of currency mortgage loans in banking sector, as well as characterizes risk types burdening banks and borrowers of CHF loans. Also, the author prepared a comparative model of repayment of mortgage loans as well as investigated financial benefits obtained by Swiss franc borrowers in period 2006–2009 against Polish zloty borrowers.
其他摘要：Niniejszy artykuł dotyczy problematyki zagrożeń, ryzyka oraz korzyści finansowych generowanych przez walutowe kredyty mieszkaniowe udzielane w Polsce we franku szwajcarskim. W szczególności opracowanie koncentruje się na sytuacji kredytobiorców, w tym na
