“The banks within its financial capacity and social acceptance wish in particular to help poorer families and individuals who have acquired the apartment on your own needs and those affected by random events. The aid is the system solution which banks In its activities alone can offer, “- said the president of the Union of Polish Banks Krzysztof Pietraszkiewicz at Wednesday’s conference.
He added that the banks have decided, inter alia, co-financing proposed by the representatives of the Restructuring Support Fund Mortgage. Declared provisioning of the Fund in the total amount of 125 million zł. The purpose of this fund will provide support for borrowers with mortgage loans in any currency .
It is anticipated that aid will be granted up to 100 percent. installments of principal and interest for 12 months, no more than 1500 zł per month . Providing support has followed in the case of adverse fortuitous event of the borrower, job loss or illness and except in special cases aid will be repayable.
Banks also decided on the creation of internal bank stabilization funds targeted exclusively to borrowers with a loan in Swiss francs . This solution will allocate a total time soon from 300 to 600 million zł. As vice president of the PBA Mieczyslaw said Bean, in this case in the estimates should take into account the average of these values. Within these funds, a system of subsidies will be available after exceeding a certain threshold level course Swiss currency. This level will determine the banks themselves.
Support and assistance will be provided for housing up to 75 sq. M and houses up to 100 sq. M and the borrower’s income below the national average at the time of submission of the signing of the annex. President of the Polish Bank Association reported that in 10 years the total payments due to banks, stabilization funds may amount to 3.5 billion zł.
According to a declaration signed by banks extra charge for loans in Swiss francs will be implemented when the Swiss franc exceeds 5 zł, and the same amount of aid does not exceed 33 gr to 1 Swiss franc. “The stabilization fund will enter (into force) by the last quarter of this year and will be a few months in each bank for filing a declaration if a customer wants to take advantage of this cover,” – said Pietraszkiewicz.
Banks declared the extension of the period of operation first aid package for borrowers to the end of 2015 with the possibility of further extension.
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