The Sejm has referred for further work in the Public Finance Committee the presidential amendment to the law on support for borrowers who took out a housing loan and found themselves in a difficult financial situation. This means that those repaying so-called franking credits can forget about the spread law and the full conversion of their obligations into zloty. However, they can effectively defend themselves against high instalments and over-indebtedness.
The act is to enter into force on 1 January 2018, if the bill of President Andrzej Duda is adopted by the members of parliament. What does it mean? People with housing loans will receive monthly support of PLN 1.5-2 thousand for 3 years. They will be able to repay the interest-free financial assistance for 12 years, provided that the cost of credit exceeds 50 percent. their income. However, many borrowers did not wait for legal solutions, which currently come down to rolling over the debt, which in fact means extending the repayment period (from e.g. 30 to 42 years), and they themselves are trying to recover in court the installments that they consider excessive or to have the debt completely discharged through consumer bankruptcy. And the case is significant, it concerns 600 thousand agreements and as many as one million people who are repaying Swiss franc loans.
27 October 2017:
" Borrower, go out on a limb effectively
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