{"id":1597,"date":"2021-09-20T19:17:00","date_gmt":"2021-09-20T17:17:00","guid":{"rendered":"http:\/\/pk-legal.pl\/?p=1597"},"modified":"2021-10-03T19:22:59","modified_gmt":"2021-10-03T17:22:59","slug":"kredyty-frankowe-a-pomoc-panstwa-i-organow-unii-europejskiej","status":"publish","type":"post","link":"http:\/\/pk-legal.pl\/en\/kredyty-frankowe-a-pomoc-panstwa-i-organow-unii-europejskiej\/","title":{"rendered":"Kredyty frankowe a pomoc pa\u0144stwa i organ\u00f3w Unii Europejskiej"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1597\" class=\"elementor elementor-1597\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-84be0ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"84be0ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87eb8ca\" data-id=\"87eb8ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ae31c7 elementor-widget elementor-widget-text-editor\" data-id=\"3ae31c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\"><strong>We wcze\u015bniejszym artykule w sporym skr\u00f3cie zosta\u0142a przedstawiona geneza problemu finansowego wielu Polak\u00f3w, jakim s\u0105 kredyty frankowe. Wyja\u015bnili\u015bmy przyczyny ogromnej ch\u0119ci udzielania przez banki kredyt\u00f3w we frankach szwajcarskich, a tak\u017ce konsekwencje tych dzia\u0142a\u0144. W tym artykule skupimy si\u0119 bardziej na szczeg\u00f3\u0142owej historii funkcjonowania tych kredyt\u00f3w.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-949d065 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"949d065\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48a975c\" data-id=\"48a975c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e646667 elementor-widget elementor-widget-text-editor\" data-id=\"e646667\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Masowe udzielanie przez banki kredyt\u00f3w we frankach szwajcarskich, spowodowa\u0142o, \u017ce bardzo wiele os\u00f3b, po drastycznym wzro\u015bcie kursu waluty, nie by\u0142o w stanie poradzi\u0107 sobie ze sp\u0142at\u0105 zaci\u0105gni\u0119tego kredytu. Zar\u00f3wno Pa\u0144stwo, jak i organizacje europejskie, musia\u0142y podj\u0105\u0107 pewne dzia\u0142ania, kt\u00f3re mia\u0142y na celu wsparcie \u201efrankowicz\u00f3w\u201d.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d7e776f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7e776f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-edfd37b\" data-id=\"edfd37b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fec686 elementor-widget elementor-widget-text-editor\" data-id=\"0fec686\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Jedn\u0105 ze sk\u0142adowych kosztu kredytu w obcej walucie, jest LIBOR. Jest to \u201ereferencyjna stopa oprocentowania na rynku mi\u0119dzybankowym\u201d. Wzrost kursu franka, powodowa\u0142 obni\u017cenie warto\u015bci LIBOR.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e9adde1\" data-id=\"e9adde1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b9ba3f elementor-widget elementor-widget-image\" data-id=\"1b9ba3f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"683\" src=\"http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"(Polski) kredyty frankowe s\u0105d Szczecin\" loading=\"lazy\" srcset=\"http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-1024x683.jpg 1024w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-300x200.jpg 300w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-768x512.jpg 768w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-1536x1024.jpg 1536w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1-140x94.jpg 140w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/12-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c73ebf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c73ebf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53b48b0\" data-id=\"53b48b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2dbaee6 elementor-widget elementor-widget-text-editor\" data-id=\"2dbaee6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Spowodowa\u0142o to, \u017ce raty, kt\u00f3re przysz\u0142o sp\u0142aca\u0107 \u201efrankowiczom\u201d, by\u0142y du\u017co ni\u017csze, ni\u017c w przypadku, kiedy LIBOR utrzymywa\u0142by si\u0119 na sta\u0142ym poziomie. Niestety to wci\u0105\u017c by\u0142o zbyt ma\u0142o, by mo\u017cna by\u0142o m\u00f3wi\u0107 o ustabilizowaniu sytuacji.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b96f318 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b96f318\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cff2f2b\" data-id=\"cff2f2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7107b8 elementor-widget elementor-widget-text-editor\" data-id=\"b7107b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Kolejnym ko\u0142em ratunkowym dla \u201efrankowicz\u00f3w\u201d, by\u0142o wprowadzenie tak zwanej ustawy antyspreadowej. Czym s\u0105 jednak spready? Najpro\u015bciej m\u00f3wi\u0105c, s\u0105 to koszty towarzysz\u0105ce podczas wymiany waluty. Do takich koszt\u00f3w mo\u017cna zaliczy\u0107 mi\u0119dzy innymi mar\u017ce instytucji, albo prowizje transakcyjne. Wprowadzona ustawa, minimalizowa\u0142a wspomniane koszty, poprzez zobowi\u0105zanie bank\u00f3w do bezp\u0142atnego udost\u0119pnienia swoim kredytobiorcom mo\u017cliwo\u015bci wymiany waluty poza bankiem.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-226204b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"226204b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8d0a034\" data-id=\"8d0a034\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89c11fe elementor-widget elementor-widget-image\" data-id=\"89c11fe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"767\" src=\"http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10-1024x767.jpg\" class=\"attachment-large size-large\" alt=\"kredyty frankowe radca prawny Szczecin\" loading=\"lazy\" srcset=\"http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10-1024x767.jpg 1024w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10-300x225.jpg 300w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10-768x576.jpg 768w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10-1536x1151.jpg 1536w, http:\/\/pk-legal.pl\/wp-content\/uploads\/2021\/06\/10.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e3c426e\" data-id=\"e3c426e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da13883 elementor-widget elementor-widget-text-editor\" data-id=\"da13883\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Prze\u0142omem w pomocy frankowiczom, okaza\u0142 si\u0119 by\u0107 wyrok TSUE (Trybuna\u0142 Sprawiedliwo\u015bci Unii Europejskiej) z dnia 30 kwietnia 2014, C-26\/13 w sprawie nieuczciwego charakteru umowy, a \u015bci\u015blej m\u00f3wi\u0105c niezgodnego z prawem zapisu w umowach kredytowych, o stosowaniu kursu franka wed\u0142ug okre\u015blonej tabeli.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5571b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5571b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe0e8d0\" data-id=\"fe0e8d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1aaa888 elementor-widget elementor-widget-text-editor\" data-id=\"1aaa888\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Zatem wszystkie umowy z takim zapisem, mog\u0142y zosta\u0107 uznane za niewa\u017cne. Jednak doprowadzenie do stwierdzenia niewa\u017cno\u015bci takiej umowy kredytowej nie jest prostym zadaniem. W takich przypadkach trzeba wej\u015b\u0107 na drog\u0119 s\u0105dow\u0105, a skomplikowany charakter tego rodzaju spraw powoduje, \u017ce nale\u017c<span style=\"text-decoration: line-through;\">a\u0142ob<\/span>y w pierwszej kolejno\u015bci zwr\u00f3ci\u0107 si\u0119 do adwokata lub radcy prawnego, kt\u00f3ry specjalizuje si\u0119 w tego typu sprawach.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c6e011 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c6e011\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-83e74de\" data-id=\"83e74de\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa9f1c8 elementor-widget elementor-widget-text-editor\" data-id=\"aa9f1c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Nasza kancelaria zajmuje si\u0119 wieloma sprawami dotycz\u0105cymi kredyt\u00f3w frankowych. Z pewno\u015bci\u0105 b\u0119dziemy mogli s\u0142u\u017cy\u0107 Pa\u0144stwu fachow\u0105 wiedz\u0105 i pomoc\u0105.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Sorry, this entry is only available in Polish.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[35,1],"tags":[],"_links":{"self":[{"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/posts\/1597"}],"collection":[{"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/comments?post=1597"}],"version-history":[{"count":5,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/posts\/1597\/revisions"}],"predecessor-version":[{"id":1602,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/posts\/1597\/revisions\/1602"}],"wp:attachment":[{"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/media?parent=1597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/categories?post=1597"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/pk-legal.pl\/en\/wp-json\/wp\/v2\/tags?post=1597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}