One of the most important elements of the project so. Act francs prepared in the Office of the President is to regulate the so-called. spreads. The new project, compared to the previous, prepared in January, implies also changes the concept of conversion of mortgage loans and the introduction of an alternative solution. “After all the in-depth analysis, it became clear that the statutory one-time conversion of foreign currency loans to gold in such conditions is impossible,” – said on Tuesday the President of NBP Adam Glapiński.
the proposal of President assessed the politicians on Tuesday.
According b. Deputy finance Minister Izabela Hazel (PO) in the context of the election campaign aroused hopes, the project is a “joke of frankowiczów.” As assessed, president of Duda and his experts “have no idea what to do with credit frankowymi.” “Experts have figured out that it is extremely difficult, they figured out that the president of Duda lied to the people during the election campaign and try to get out of this” – she added. Furthermore – according to b. Deputy Minister – appointed by President specialists “have understood that there are no good solutions that would satisfy frankowiczów, and while they were not a threat to the financial system and now pretend to do something, and to wipe tears frankowiczom rushed settlement to banks too large spreads. “
Hazel stressed that the proposal for compensation spreads” is fine “. “If banks earn too much to spreads, it certainly should be returned” – agreed, stipulating that “what Frankowicz lost on spreads, it is a drop in the bucket of what they lost on FX risk.”
“Building this eighteen-voltage, teams of experts working on further solutions can be summed up by saying that, unfortunately, that behold, the mountain gave birth to a mouse, we have no law “- assessed.
has criticized the deputy Modern Paulina Hennig-Kloska. “This is the first election promise of the Law and Justice withdraws such a big step backwards” – assessed in an interview with PAP.
” on the one hand, you should be happy, because many communities and institutions responsible for the finances of our country emphasized that we do not have the money, it will either issue to cover the side of the banks, which would have to finance or to mobilize the money from the state budget, which we also know that there is no “- she said.
” On the other hand – continued – is a whole group of voters who feel disappointed for sure, because it was pompously announced and firmly. “
the fact that the project does not meet the promises made to the so-called. frankowiczom, draws attention to the PSL. “The president once again failed to fulfill their election promises. He promised to help borrowers in foreign currencies. Sorry PiS and the president did not have good ideas on this issue” – said the PAP spokesman James Stefaniak PSL club.
According to the spokesman of the club Kukiz’15 Jakub Kulesza well, that is a discussion on the project, he is constantly improved. He noted, however, that proposing concrete solutions for frankowiczów, the focus should be on those who need help most at risk of bankruptcy. “For them, salvation would be, in our opinion, improvement of legislation on consumer bankruptcy,” – he said.
Asked about the termination of the current concept of conversion of mortgage loans, Kulesza noted that Members Kukiz’15 realize “how big was the pressure from the community bank.” “Even the government officials listed the enormous costs that the banking sector would suffer if he had to be responsible for the conversion” – he said.
Unlike the opposition PiS project is evaluated. According to the head of the parliamentary finance committee Jacek Sasin proposals the president is “the first step to the final and systemic solution to the problem of foreign currency loans.” As he said, this proposal offers opportunities for banks that provide loans, to seek consensus through agreements and negotiations with borrowers. He added that borrowers can also go to court; in his assessment of the last review of the Financial Ombudsman gives them much greater hopes for a positive outcome. According to the report, spokesman celebrating loan exchange rate is inconsistent with the provisions of the Banking Law and the Civil Code.
Sasin declared that Parliament and the committee of public finances, which is directed, bent over the President’s proposal and start work as soon as it enters the parliament and get the government’s position.
“I also wanted to declare on behalf of the public finances that even after the adoption of this solution will monitor the dealings of the process of departing from foreign currency lending by mutual agreement between banks and borrowers,” – said the chairman of the finance committee . He added that after a year of operation of new solutions also in the parliament will be a summary of the process.
On Tuesday, representatives of the Office President and CEO of National bank of Poland presented the assumptions of the bill, providing for the return of holders of foreign currency housing loans excessively charged by banks spreads (in 2000-2011).
At the same time the NBP president said that he had asked the president to waive the existing concept of conversion of mortgage loans and the introduction of an alternative solution, this is supported by a “serious condition”. He added that the concept of conversion will prepare a special team appointed by the Financial Stability Committee. One of the proposed solutions would be – said NBP President – eg. Increasing the capital requirements imposed on banks having foreign currency loans. After the imposition of these new requirements for banks to be profitable conversion of loans.
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