Some people who took out loans in Swiss francs , much less odczułaby effects of a sudden increase in its value, if banks take into account the negative LIBOR of the Swiss National Bank , ranging from a few days -0.75 percent. But most financial institutions do not take into account such variant – in the regulations or agreements have provisions whose impact is detrimental to customers: even in a situation of negative interest rate loans bear interest at 0.00 per cent scale. + Margin.
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– So banks do not lower mortgage payments , but should – says Andrzej Jakubiec, a lawyer with the law firm Janet Jakubiec Hungarian and lecturer at the University of Lodz. – These records upset the balance of the contract, grant more rights to the bank than the client – adds Andrzej Michalowski, a lawyer with the law firm Michalowski Stefanski.
Such payments would pay the borrower if the bank take into account the negative key interest rate:
The interest rates has a direct impact on the height of the credit installments . Calculated as DGP, in the case of installment 500 francs lower interest rates from 0.00 to -0.75 percent. the borrower would save 200 zł per month. And at 700 francs would be almost 300 zł.
– The situation in which payment is dependent on the franc , but at the same time does not include bank negative LIBOR, blatantly discriminates against the borrower – speaks directly Jakubiec.
Currently franc loans pays approx. 550 thousand. people. Initially, most of the banks in the loan agreements had no negative records in case the base rate. Some institutions protected itself against such risks, but only if the risk negative feet is there. So did such. MBank, Credit Agricole and BNP Paribas.
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