As said in the plenary the rapporteur and also the Chair of the finance committee, Krystyna Skowrońska (PO), has received a positive recommendation from the amendment, which she herself made. It provides for an increase of 25 sqm. the criterion of the property, which the owner could apply for a restructuring of foreign currency mortgage. This means that in the case of housing limit would be now 100 sqm., And in the case of a house – 150 sqm. She noted, however, that these limits have not prevailed in the case of families with three or more children. Skowrońska stressed that this amendment made due to good public interest.
She added that during the meeting of the Finance Committee but did not gain the acceptance of amendments tabled by the club PiS. As she spoke, they provide a total change of the base of the project and aimed, among others, to fully shift the responsibility for such loans to banks, which in its opinion would not be fair in relation to people who took out loans in gold.
The representative of the PO deputy Jacek Brzezinka, stressing the importance of a statute stated that his club It is for establishing the draft in the submission of the finance committee.
A similar opinion was expressed by Genevieve Tokarska with the PSL, which acknowledged that the proposed solutions are in high demand, but at the same time – in her opinion – are “difficult matter”. Announced that the populists are in favor of adopting the proposals of the OP.
The opposite view were opposition MPs. Paul Szałamacha of Law and Justice lamented that although the authors of “invited to co-operate” at work on it, it is his club’s amendments were rejected. In his opinion, despite the increase in the criteria of the property, the project still has a large number of restrictions, which will make of these provisions will be able to take only a handful of borrowers of foreign currency. He szałamacha again made so improvements PiS.
The amendments also made Vincent Elsner of the SLD. As he said, their goal is “a significant deterioration in banks and borrowers to improve the situation.” He pointed out that they assume, among others, removal from the draft of the record that the restructuring could benefit people whose property is credited the only one we have. Moreover, in his opinion, banks should almost completely – in 9/10 – be charged to restructuring of foreign currency loans. In contrast, the borrower, I am told, should be held only “symbolic” responsibility.
Andrzej Romanek from the United Right although he admitted that adopted by the parliamentary committee amendment goes in the right direction, it still with the proposed solutions will be able to benefit a small group people.
Submission of amendments to the draft means that it shall be referred back to the parliamentary finance committee, which will assess proposed by opposition MPs changes to the document.
According to the draft prepared by the PO conversion mortgage foreign currency loans would naturally occur at the rate of preparing a contract restructuring. It assumes that it will calculate the difference between the value of the loan after conversion and the amount of debt, we would have at this point the borrower had in the past entered into an agreement with a bank for a loan in Polish zloty, and not in the currency. Half of this difference would be discontinued.
For one year after its introduction to the program could benefit people whose loan to value ratio of the collateral exceeds 120 percent. The following year, this solution could take people where this relationship is in the range of 100-120 per cent., And the following year – 80-100 per cent.
The project saved several conditions that the borrower must meet in order to benefit from the proposed solutions. In addition to the criterion of the property condition it is also that it is utilized for their own needs.
The proposed solution would cost the banks 9-9,5 billion zł, but at the same time they would be exempt from paying income tax on remitted portion of the loan.
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