{"id":1108,"date":"2024-07-18T18:28:16","date_gmt":"2024-07-18T16:28:16","guid":{"rendered":"http:\/\/serwer168869.lh.pl\/autoinstalator\/serwer168869.lh.pl\/wordpress74863\/?p=1108"},"modified":"2024-07-18T18:28:16","modified_gmt":"2024-07-18T16:28:16","slug":"sa-plany-pomocy-frankowiczom","status":"publish","type":"post","link":"https:\/\/adwokatura-bialystok.pl\/index.php\/2024\/07\/18\/sa-plany-pomocy-frankowiczom\/","title":{"rendered":"S\u0105 plany pomocy “frankowiczom”"},"content":{"rendered":"
\n

Prawo i Sprawiedliwo\u015b\u0107 w marcu ponownie poruszy\u0142 ustaw\u0119, kt\u00f3ra ma pom\u00f3c frankowiczom.<\/h2>\n

Od razu chcieliby\u015bmy zaznaczy\u0107 – nie b\u0119dzie przewalutowania kredyt\u00f3w na kurs, kt\u00f3ry by\u0142 par\u0119 lat temu. Andrzej Szlachta, szef KFP, powiedzia\u0142, \u017ce ustawa frankowa zostanie uchwalona przed wakacjami.<\/p>\n

Przypominamy – jest oko\u0142o 900 tysi\u0119cy os\u00f3b, kt\u00f3re posiadaj\u0105 kredyt w frankach szwajcarskich. W pewnym momencie kurs tej waluty wzr\u00f3s\u0142 z oko\u0142o 2 z\u0142 do (w pewnym momencie a\u017c) 5 z\u0142. Niestety mieszka\u0144, kt\u00f3re zosta\u0142y zakupione przez taki kredyt nie mo\u017cna sprzeda\u0107. Banki zaproponowa\u0142y przewalutowanie kredyt\u00f3w na z\u0142ot\u00f3wki po dzisiejszym kursie. To jednak kredytobiorc\u00f3w nie satysfakcjonuje.<\/p>\n

Pierwotnie ustawa m\u00f3wi\u0142a o tym, ze kredyty zostan\u0105 przewalutowanie po korzystnym dla frankowicz\u00f3w kursie. Nie trafi\u0142a ona jednak do parlamentu, gdy\u017c kosztowa\u0142aby ona banki oko\u0142o 30-50 mld z\u0142. To mog\u0142oby zachwia\u0107 fundamentami niekt\u00f3rych instytucji bankowych.<\/p>\n

W drugiej wersji projektu nie ma ju\u017c przewalutowania kredyt\u00f3w po kursie, kt\u00f3ry by\u0142 w dniu zaci\u0105gni\u0119cia kredytu. Jest jednak mowa o zwrocie przez banki spread\u00f3w. Spready s\u0105 to r\u00f3\u017cnice mi\u0119dzy kursem franka w NBP, a wewn\u0119trznych tabelach bank\u00f3w. By\u0142by to koszt oko\u0142o 3-4 mld z\u0142otych.<\/p>\n

W ubieg\u0142oroczne wakacje Prezydent przes\u0142a\u0142 do Sejmu nast\u0119pny projekt. By\u0142 on jeszcze \u0142agodniejszy dla bank\u00f3w. S\u0105 to zmiany, kt\u00f3re by\u0142by wprowadzone w ju\u017c obowi\u0105zuj\u0105cej ustawy o pomocy frankowiczom w najtrudniejszej sytuacji finansowej. Op\u0142acona ona jest ze sk\u0142adek bank\u00f3w, kt\u00f3re s\u0105 tak naprawd\u0119 pieni\u0119dzmi Klient\u00f3w. Projekt nowelizacji zak\u0142ada wprowadzenie zasad, kt\u00f3ry sk\u0142oni instytucje finansowe do wi\u0119kszych ust\u0119pst w rozmowach z frankowiczami, kt\u00f3rzy zg\u0142osz\u0105 si\u0119 do bank\u00f3w o polubowne zako\u0144czenie sporu o kredyt zaci\u0105gni\u0119ty w frankach szwajcarskich.<\/p>\n

T\u0105 ostatni\u0105 propozycj\u0105 ma si\u0119 zaj\u0105\u0107 sejmowa komisja finans\u00f3w. Jest mo\u017cliwe, \u017ce tak\u017ce zostanie w\u0142\u0105czony projekt ustawy spreadowej.<\/p>\n

Zapraszamy wszystkich z Bia\u0142egostoku (i nie tylko), kt\u00f3rzy maj\u0105 problemy z ustaleniem z bankiem poprawnej polityki sp\u0142aty kredytu we frankach. Nasza Kancelaria mie\u015bci si\u0119 w centrum Bia\u0142egostoku – na ulicy Mickiewicza.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

Witamy w najnowszym artykule naszej Bia\u0142ostockiej Kancelarii Prawniczej. Dzisiaj chcieliby\u015bmy przybli\u017cy\u0107 temat zmian w przepisach, kt\u00f3re maj\u0105 pom\u00f3c osobom, kt\u00f3re wzi\u0119\u0142y kredyty w frankach szwajcarskich.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1108","post","type-post","status-publish","format-standard","hentry","category-bez-kategorii"],"_links":{"self":[{"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/posts\/1108","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/comments?post=1108"}],"version-history":[{"count":1,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/posts\/1108\/revisions"}],"predecessor-version":[{"id":1109,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/posts\/1108\/revisions\/1109"}],"wp:attachment":[{"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/media?parent=1108"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/categories?post=1108"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adwokatura-bialystok.pl\/index.php\/wp-json\/wp\/v2\/tags?post=1108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}