dr. Alenka Temeljotov Salaj, Janja Črne, mag.
Abstract
This paper presents the scope of risks faced by real-estate buyers, commercial banks and insurance companies in the case of financing real estate with foreign sources of funding, namely mortgage-backed loans. A short survey was performed to determine whether real-estate buyers are aware of the risks they are facing, and how they are dealing with them on an individual basis as well as on the family community level. The thesis presents the collaboration of banks and insurance companies with a developed comprehensive offer of real-estate financing and assuring a reduction of the different types of risks that directly arise in the credit relationship between the buyer of a property and a commercial bank as a creditor. When classifying target groups in three living cycles, the consulting function with described risks, concerning particular family communities, is presented. We acknowledge that additional forms of insurance (including saving) are all the more urgent because of the reduction of rights from obligatory pension and disability insurance. The rights from basic insurance literally enable the survival of individuals with an average personal income, but by no means the payment of any credit obligations. The research on a sample of 72 people and related analysis reveals that people's awareness is on a relatively high level and that they are aware of the stated risks.
Key words
security, risk, mortgage loan, mortgage, insurance