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1 Acta Iuris Stetinensis

1 2012

1 Wiktorzak A.

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Wiktorzak A.

Acta Iuris Stetinensis

2012

nr 3

63 - 81

The concept of a bank-registered mortgage has been shaped in banking practice, case-law and the legal doctrine, as economic activities cover mortgages established on the basis of bank documents certifying that a loan has been granted, without the mortgage being necessarily established in the form of a notarial act as required by the Civil Code. The bank-registered mortgage means a mortgage which has been recorded into land and mortgage registers on the basis of bank documents specified in Article 95 of Banking Law. However, the possibility of mortgage establishment on the basis of a bank document does not excludes the necessity for negotiating a security and for the parties’ concluding an appropriate agreement in this respect, the agreement being the cause of the mortgage establishment. The distinctive feature of the bank-registered mortgage is a bank’s entitlement to apply the simplified basis for recording the mortgage to the benefit of the bank. Thus, compared with other types of mortgages, the only difference is the basis for recording the mortgage into a land and mortgage register; unchanged remains the whole procedure for establishing this restricted property right, for which the registration is just one of the necessary conditions, (not sufficient though). Banks are particularly interested in securing bank loans with mortgages, as such a security ensures that in case of the borrower’s breach of the contract debt due will be entirely covered by money from the sale of the mortgaged property.