{"id":5825,"date":"2017-11-07T14:00:00","date_gmt":"2017-11-07T13:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/nowelizacja-ustawy-o-wsparciu-kredytobiorcow-z-kredytem-mieszkaniowym\/"},"modified":"2017-11-07T14:00:00","modified_gmt":"2017-11-07T13:00:00","slug":"amendment-to-the-act-on-support-for-borrowers-with-housing-loans","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/amendment-to-the-act-on-support-for-borrowers-with-housing-loans\/","title":{"rendered":"Amendment of the law on support for borrowers with housing loans"},"content":{"rendered":"

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.<\/p>\n

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<\/a>. 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.<\/p>\n

- The goal consumer bankruptcy<\/a> is the consumer's debt relief, and the satisfaction of creditors is moved to the background. This allows debtors to leave the grey zone and start a "second life" - says Ma\u0142gorzata Anisimowicz, president of the law firm PMR Restructuring<\/a> SA. \u2013 This is also a good solution for those who took out a loan in Swiss francs. Such people are often unable to settle their obligations without any particular life perturbations, such as loss of job or health \u2013 he adds. Contrary to appearances, in such a situation situation of banks<\/a> are more willing to reach a settlement during consumer proceedings.<\/div>\n
The material appeared on dziennikprzedsiebiorcy.pl:
\n<\/b>
\n27 October 2017:
\n\" Borrower, go out on a limb effectively<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Sejm skierowa\u0142 do dalszych prac w Komisji Finans\u00f3w Publicznych prezydenck\u0105 nowelizacj\u0119 ustawy o wsparciu kredytobiorc\u00f3w, kt\u00f3rzy zaci\u0105gn\u0119li kredyt mieszkaniowy i znale\u017ali si\u0119 w trudnej sytuacji finansowej. Oznacza to, \u017ce sp\u0142acaj\u0105cy tzw. kredyty frankowe mog\u0105 zapomnie\u0107 o ustawie spreadowej i pe\u0142nym przewalutowaniu swoich zobowi\u0105za\u0144 na z\u0142ot\u00f3wki. Jednak mog\u0105 skutecznie broni\u0107 si\u0119 przed wysokimi ratami i nadmiernym zad\u0142u\u017ceniem. Ustawa ma wej\u015b\u0107 w \u017cycie 1 stycznia 2018 roku, je\u015bli projekt prezydenta Andrzeja Dudy zostanie przyj\u0119ty przez pos\u0142\u00f3w. Co to oznacza? Osoby maj\u0105ce kredyty mieszkaniowe otrzymaj\u0105 co miesi\u0105c wsparcie w wysoko\u015bci 1,5-2 tys. z\u0142 przez 3 lata. Nieoprocentowan\u0105 pomoc finansow\u0105 b\u0119d\u0105 mogli sp\u0142aca\u0107 przez 12 lat, pod warunkiem, \u017ce koszt kredytu przekracza 50 proc. ich dochod\u00f3w. Wielu kredytobiorc\u00f3w nie czeka\u0142o jednak na prawne rozwi\u0105zania, obecnie sprowadzaj\u0105ce si\u0119 do rolowania zad\u0142u\u017cenia, czyli de facto wyd\u0142u\u017cenia okresu sp\u0142aty (z np. 30 do 42 lat), i sami staraj\u0105 si\u0119 o odzyskanie na drodze s\u0105dowej zawy\u017conych ich zdaniem rat lub o dokonanie ca\u0142kowitego odd\u0142u\u017cenia na drodze upad\u0142o\u015bci konsumenckiej. A sprawa jest niebagatelna, dotyczy 600 tys. um\u00f3w i a\u017c miliona os\u00f3b, kt\u00f3re sp\u0142acaj\u0105 kredyty frankowe. – Celem upad\u0142o\u015bci konsumenckiej jest odd\u0142u\u017cenie konsumenta, a zaspokojenie wierzycieli przesuni\u0119te jest na drugi plan. To pozwala d\u0142u\u017cnikom wyj\u015b\u0107 z szarej strefy i rozpocz\u0105\u0107 \u201edrugie \u017cycie\u201d \u2013 uwa\u017ca Ma\u0142gorzata Anisimowicz, prezes kancelarii PMR Restrukturyzacje SA. \u2013 To tak\u017ce dobre rozwi\u0105zanie dla tych, kt\u00f3rzy wzi\u0119li kredyt we frankach szwajcarskich. Takie osoby nieraz bez szczeg\u00f3lnych perturbacji \u017cyciowych, jak np. utrata pracy czy zdrowia, nie s\u0105 w stanie regulowa\u0107 swoich zobowi\u0105za\u0144 \u2013 dodaje. Wbrew pozorom w takiej sytuacji banki s\u0105 bardziej ch\u0119tne do ugody w toku post\u0119powania konsumenckiego. Materia\u0142 ukaza\u0142 si\u0119 w serwisie dziennikprzedsiebiorcy.pl: dnia 27 pa\u017adziernika 2017: \u00bb Kredytobiorco, wyjd\u017a skutecznie na prost\u0105<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","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":[19],"tags":[],"ppma_author":[30],"class_list":["post-5825","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=5825"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5825\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5825"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}