Frankowicz enjoy, and those who have a mortgage in dollars, they can feel done in gray. Adopted by the Parliament Act on the restructuring of foreign currency loans of radically cut debt to foreign currency loans and bonus adds to this a lower installment. It’s just that they do not always – as experts warn, a lot depends on when we took a loan.
The key turned out to be the amendment tabled by the SLD. Thanks to her 90 percent of the cost of “surplus” of debt in relation to a reference credit in the zloty will cover the banks. Earlier proposals assumed that they would have to share it half and half with borrowers. How that translates into numbers?
Profit for Frankowicz: 200 thousand. gold
– Debts people who took credit for 300 thousand. PLN (150 thousand. francs), in mid-2008, when the franc was at approx. 2 gold, is currently 486 thousand. respectively. As a result of the conversion of the redemption, the initial debt would fall to approx. 275 thousand. PLN, which is over 200 thousand. PLN – lists Jaroslaw Sadowski, principal analyst Expander.
How many paid by the borrower denominated
For comparison, the debt of a similar loan, but in US dollars, now approx. 250 thousand. respectively. This difference may diminish, however, one fact – the lower payments paid by frankowiczów in the past.
It all depends on when we took credit
– Individuals who took out a loan in January 2007, we have been paid a total sum of payments lower, than those who opted for a loan in dollars. The former are in positive territory 23 thousand. respectively. On the other hand, already those who have indebted themselves in the worst possible moment, when the franc was the cheapest, ie in mid-2008, they are in negative territory 11 thousand. PLN – Sadowski added.
However Frankowicz who at the moment are gaining, may soon begin to lose, because the high exchange rate of the Swiss currency and the resulting higher for this installment slowly “eat” the profit generated.
After currency translation installment even less about a few hundred dollars
Foreign currency loans will also influence the amount of installment.
– When someone borrowed 300 thousand. gold in mid-2007, when the franc was around 2.3 zlotys, today pays installment of approx. 1,700, respectively. In this model, which was adopted by the Sejm, after conversion will pay installment at the level of 1360, respectively. It follows that each month – at current exchange rate franc – that person will save on currency translation of more than 300 gold – says Marcin Krason, an analyst at Home Broker.
Exchange franc down, interest rates up
So, theoretically, Frankowicz should not hesitate once the new law comes into force, przewalutować your credit. Here it is worth to stop and rethink the whole thing, so that in the future do not regret this step.
– The loan rate is always some form of speculation. Thinking about his currency translation, inclined to that reality it will be shaped in a particular way. On the other hand, we can also imagine a situation that a few months after conversion, falling franc and interest rates in Poland are beginning to grow and find that the conversion from the point of view of the amount of the installment was unprofitable – adds Krasoń.
not enjoy the store. The Senate wants to change
The Act on the restructuring of foreign currency loans take care of now the Senate. AFTER senators have already announced that they will restore breakdown of costs 50 to 50 percent between banks and borrowers. This means that a borrower with frankowym to 300 thousand. PLN, which was taken in 2008, redeemed will be 120 thous., and the customer will be out of debt in the amount of 370 thousand. zł.
Blazej Prośniewski
No comments:
Post a Comment