The diet against the deviation in the first reading of two deputies of the projects frankowiczów – Polish Radio

For the failure of the project, made the club Kukiz’15 there were 33 deputies, against – 386, abstained four.

Deflection in the first reading of the draft would, AFTER 27 MPs, against 398, four abstentions.

Both projects will go now to the work of the commissions, as directed there on Thursday the presidential bill providing for the return frankowiczom spreads.

the alignment of the loans

the Project Kukiz’15 provides that loans in dollars and loans denominated in foreign currency are combined, which means that the interpretation of loans frankowych as if from the very beginning was loans to Russian ruble.

the project ineffective against the borrower accepts all the terms and conditions contained in the credit agreement or prepared the application, which expresses, in particular: the loan amount, the amount of contributions interest on loans, capital or capital-interest on loans in foreign currency other than Russia, or indexed in a currency other than the currency of Poland. The project also introduces for the future a prohibition to provide loans denominated or indexed in foreign currency other than the currency of Poland.

in accordance with the project for conversion contained in its loan agreements the cost of gold Polish, one should use the coefficients from the date of Deposit. As noted in the explanatory note, thus, all the parameters of the loan will be denominated only in the currency of Poland; will be removed from the credit contracts foreign exchange risk, which is the subject of the borrower.

Restructuring credit

the restructuring of the loan in accordance with the project – is carried out retrospectively, from the date of the loan. This means that the Bank should recalculate the loan, calculating how kształtowałyby due to the repayment of a mortgage loan, if it was from the beginning granted in PLN. At the same time would be other loan terms and so that would stay the same loan term, karencja in the repayment of the capital and other contractual terms.

the Rules of the project apply to loans denominated or indexed in foreign currency other than the currency of Poland entered into after January 1, 2000, if the period for which a loan was granted, more than 60 months. This means that the law includes long-term loans, typically mortgage loans, and not apply loans short and medium term.

in turn, in accordance with the project AFTER the borrower can contact your Bank for the conversion of the existing mortgage loan in foreign currency, i.e. in particular in the Swiss Frank. It will occur on the date of the contract, restrukturyzacyjnej and rely on the transfer of the difference between the cost of credit, the exchange and the amount of debt which had at the moment, the borrower, if in the past he has signed a contract with the Bank about a loan in PLN. The Bank shall redeem the portion of this amount.

the program will benefit the people for whom the ratio of loan value to collateral value is higher than 80 percent. Another condition should be the criterion, the area of real estate – in the case of flats, its area cannot exceed 100 sq. m., and in the case of the house 150 sq. m. the Criterion of surface dotyczyłoby families with three or more children. In order to take advantage of the opportunities offered by the law, the borrower may not have another apartment or another house, I think that has a different dwelling or part thereof, received by inheritance after typing restrukturyzowanego loan.

the Document echoes the project of the law “frankowej to” see through the diet last cadence, and then also prepared through the deputies of the Platform.

the Law, however, was completely changed during the final sejmowego vote, in August 2015. In the initial version of the project, the costs of currency conversion had to be split in half for borrowers and banks. However, members unexpectedly voted hotfix SLD, which is 90 per cent. these costs przerzucała on banks. The Senate in early September 2015 and introduced into law the amendment to restore the original record that the costs of conversion of money loans frankowych in the middle will pay the banks, and in the middle of the borrower. The diet before the end of the term is not applied, however, to correct the Senate and the law is not in force.

the Beginning of the debate over these draft laws is scheduled for 17.30 hours.

PAP, ABO