{"id":5825,"date":"2017-11-07T14:00:00","date_gmt":"2017-11-07T13:00:00","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/nowelizacja-ustawy-o-wsparciu-kredytobiorcow-z-kredytem-mieszkaniowym\/"},"modified":"2017-11-07T14:00:00","modified_gmt":"2017-11-07T13:00:00","slug":"amendment-to-the-act-on-support-for-borrowers-with-housing-loans","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/amendment-to-the-act-on-support-for-borrowers-with-housing-loans\/","title":{"rendered":"Amendment of the law on support for borrowers with housing loans"},"content":{"rendered":"

The Sejm has referred for further work in the Public Finance Committee the presidential amendment to the law on support for borrowers who took out a housing loan and found themselves in a difficult financial situation. This means that those repaying so-called franking credits can forget about the spread law and the full conversion of their obligations into zloty. However, they can effectively defend themselves against high instalments and over-indebtedness.<\/p>\n

The act is to enter into force on 1 January 2018, if the bill of President Andrzej Duda is adopted by the members of parliament. What does it mean? People with housing loans will receive monthly support of PLN 1.5-2 thousand for 3 years. They will be able to repay the interest-free financial assistance for 12 years, provided that the cost of credit exceeds 50 percent<\/a>. their income. However, many borrowers did not wait for legal solutions, which currently come down to rolling over the debt, which in fact means extending the repayment period (from e.g. 30 to 42 years), and they themselves are trying to recover in court the installments that they consider excessive or to have the debt completely discharged through consumer bankruptcy. And the case is significant, it concerns 600 thousand agreements and as many as one million people who are repaying Swiss franc loans.<\/p>\n

- The goal consumer bankruptcy<\/a> is the consumer's debt relief, and the satisfaction of creditors is moved to the background. This allows debtors to leave the grey zone and start a "second life" - says Ma\u0142gorzata Anisimowicz, president of the law firm PMR Restructuring<\/a> SA. \u2013 This is also a good solution for those who took out a loan in Swiss francs. Such people are often unable to settle their obligations without any particular life perturbations, such as loss of job or health \u2013 he adds. Contrary to appearances, in such a situation situation of banks<\/a> are more willing to reach a settlement during consumer proceedings.<\/div>\n
The material appeared on dziennikprzedsiebiorcy.pl:
\n<\/b>
\n27 October 2017:
\n\" Borrower, go out on a limb effectively<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Sejm skierowa\u0142 do dalszych prac w Komisji Finans\u00f3w Publicznych prezydenck\u0105 nowelizacj\u0119 ustawy o wsparciu kredytobiorc\u00f3w, kt\u00f3rzy zaci\u0105gn\u0119li kredyt mieszkaniowy i […]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_ppma_block_editor_authors":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5825","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"author_category":"","first_name":"Zesp\u00f3\u0142 PMR","last_name":"","user_url":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5825"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5825\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5825"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}