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The Impact of the Swiss Franc Loans Crisis on Croatian Households (CROSBI ID 50667)

Prilog u knjizi | izvorni znanstveni rad

Rodik, Petra The Impact of the Swiss Franc Loans Crisis on Croatian Households // Social and Psychological Dimensions of Personal Debt and the Debt Industry / Değirmencioğlu, Serdar M. ; Walker, Carl (ur.). London : Delhi: Palgrave Macmillan, 2015. str. 61-83

Podaci o odgovornosti

Rodik, Petra

engleski

The Impact of the Swiss Franc Loans Crisis on Croatian Households

Between 2000 and 2007 there was a period of extensive expansion in lending to households in Croatia. Due to the deep economic crisis, many households now face problems with the repayment of their significant, barely repayable debt. Among them, the most prominent are those with loans denominated in Swiss francs. The rise in Swiss franc value against the Croatian kuna (HRK), combined with high interest rates, increased the monthly loan payments for these loans by an average of EUR 220 (euros ; an average salary in Croatia being EUR 730). In 2011, when the Swiss franc was at its highest value (before the intervention of the Swiss National Bank in September 2011), there were around 100, 000 Swiss franc- denominated loans. Most of them – around 75, 000 – were long- term housing loans.The Croatian government has refused to address the problem for two years. In the autumn of 2013 it temporarily fixed interest rates for Swiss franc-indexed housing loans to 3.23, which diminished monthly payments to some extent. In August 2011, bank clients with Swiss franc-denominated loans started an NGO called Franc Association that, together with Croatian Alliance for Consumer Protection, filed a lawsuit against the eight largest Croatian banks. The Swiss franc loans crisis triggered a public debate about the consequences of and responsibility for the debt crisis, which is still ongoing. There are two main positions within this debate.

household debt, mortgage, debt crisis, CHF loans, Croatia

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Podaci o prilogu

61-83.

objavljeno

Podaci o knjizi

Social and Psychological Dimensions of Personal Debt and the Debt Industry

Değirmencioğlu, Serdar M. ; Walker, Carl

London : Delhi: Palgrave Macmillan

2015.

9781137407788

Povezanost rada

Ekonomija, Sociologija