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Do końca marca KSF opracuje mechanizmy przewalutowania kredytów frankowych

Jak poinformował w ostatnich dniach Narodowy Bank Polski (NBP), do końca marca tego roku grupa robocza Komitetu Stabilności Finansowej, wypracuje mechanizmy, które mają skłonić banki mające w swoich portfelach kredyty frankowe do ich przewalutowania w porozumieniu z kredytobiorcami.

Przypomnijmy tylko, że 10 sierpnia poprzedniego roku podczas prezentacji projektu tzw. ustawy spreadowej, prezes NBP Adam Glapiński zobowiązał się, że do 10 sierpnia powoła w ramach Komitetu Stabilności Finansowej, któremu przewodniczy, grupy roboczej ds. przewalutowania kredytów hipotecznych, która przygotuje stosowne rekomendacje dla Komisji Nadzoru Finansowego.

Miało to być między innymi zwiększenie progów ostrożnościowych dla banków, które mają duże portfele kredytów walutowych, ale także odpowiednie podniesienie wag ryzyka związanych z kredytami walutowymi, co spowoduje, że banki obarczone takimi kredytami, będą zmuszone do podniesienia swoich kapitałów bądź do przewalutowania tych kredytów na złote (przy tych kredytach wagi ryzyka będą wielokrotnie niższe).

Teraz w komunikacie NBP przekazanym PAP znalazło się między innymi stwierdzenie, że nadrzędnym celem wspomnianej grupy roboczej „jest znalezienie takich rozwiązań, które godząc interes społeczny nie wpłyną negatywnie na stabilność systemu finansowego”.

Ponadto w komunikacie dodano, że grupa robocza prowadzi intensywne prace „nad wypracowaniem rekomendacji dotyczących zastosowania instrumentów nadzorczych i regulujących, których wdrożenie kreowałoby bodźce do podejmowania przez banki oraz klientów wspólnych dobrowolnych decyzji dotyczących restrukturyzacji walutowych kredytów mieszkaniowych”.

Pojawiły się także nieoficjalne informacje, że jednym z tych instrumentów skłaniających banki do przewalutowania kredytów frankowych miałoby być dodatkowe opodatkowanie banków mających największe portfele takich kredytów.

Wypracowane przez grupę roboczą rekomendacje zostaną przedstawione KSF, a ten z kolei zobowiąże KNF do ich wprowadzenia i zobowiązania banków mających takie kredyty w swoich portfelach do ich stosowania w porozumieniu z kredytobiorcami.

Przypomnijmy także, że Kancelaria Prezydenta, wsparta prezesa NBP Adama Glapińskiego, zaprezentowała latem poprzedniego roku projekt tzw. ustawy frankowej, który ograniczył się tylko do rozwiązania sprawy tzw. spreadów, czyli różnicy pomiędzy kursem kupna, a kursem sprzedaży waluty, ustalanych w zasadzie dowolnie przez poszczególne banki udzielające tzw. kredytów frankowych.

Koszty tych operacji ponosili w całości kredytobiorcy ustawa miała pozwalać bankom na zastosowanie do tych wyliczeń ówczesnych średnich kursów kupna bądź sprzedaży danej waluty stosowanych przez NBP z możliwością pobrania opłaty, ale tylko w wysokości do 0,5% odchylenia od wspomnianego kursu.

Wyliczone w ten sposób nadpłaty kredytobiorców zostałyby przeznaczone na zmniejszenie kapitału pozostałego do spłaty, przy czym ustalono limit kwoty kredytu na 350 tys. zł na osobę, dla których stosuje się to rozwiązanie.

Jak podała wówczas Kancelaria Prezydenta, jeżeli wszyscy posiadacze mieszkaniowych kredytów hipotecznych opiewających na waluty obce (franki, euro, dolary amerykańskie) skorzystają z tego rozwiązania, to banki, które takich kredytów udzielały, będzie to rozwiązanie kosztowało od 3,6 do 4 mld zł (jak wyliczono przy kredycie w max. wysokości 350 tys. zł zwrot kredytobiorcom nadpłat z tytułu spreadów wyniósłby około 20 tys. zł).

Wspomniany projekt znajduje się w komisji finansów publicznych, do której skierowane zostały także projekty ustaw dotyczące kredytów frankowych przygotowane przez kluby poselskie Kukiz ‘15 i Platformy.

Zbigniew Kuźmiuk

Jeżeli podobają Ci się materiały publicystów portalu Prawy.pl wesprzyj budowę Europejskiego Centrum Pomocy Rodzinie im. św. Jana Pawła II poprzez dokonanie wpłaty na konto Fundacji SOS Obrony Poczętego Życia: 32 1140 1010 0000 4777 8600 1001. Pomóż leczyć ciężko chore dzieci.

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    9 stycznia 2017 at 13:33

    Uważam to za błąd, ciemna lemingoza niech zdycha. Gdy te kredyty były brane ciemna lemingoza gdakała i bulgotała – my prawdziwi europejczycy, ludzie lepszego sortu zapewnimy sobie dobre warunki życia domowego dzięki kredytom frankowym, ta dzicz polska nie rozumiejąca zasad współczesnych cudownych finansów to niech siedzi w biedzie, my rozumiemy jako nowi międzynarodowi ludzie sortu lepszego. Jak są tacy międzynarodowi to niech się zwrócą do tych międzynarodowych.
    Swoją drogą, ci debile nawet nie wpadli na pomysł wtedy aby zażądać podobnie niskich stóp procentowych kredytów złotowych. A to wydawałoby się takie oczywiste. Zarzynanie Polski przy pomocy absurdalnie wysokich stóp procentowych kredytów złotowych trwa dokładnie od 1 stycznia 1990 roku. I paru ludzi o tym pisało, jako o sabotażu polskiej gospodarki. Ale cwaniackie lemingi i tak mieli to w d…pie.

    • gieptil

      9 stycznia 2017 at 13:44

      Ja studiowałem ekonomię jeszcze za schyłkowej komuny. I przynajmniej połowa studentów to byli cwaniackie przygłupy. Głównie zajmowali się imprezowaniem, wszelkie sprawdziany załatwiali przy pomocy ściągania, a bywało że robili składkę na dobry koniak z Pewexu dla egzaminatora, aby go „udobruchać”. I akurat oni porobili największe biznesowe kariery w III RP. Oczywiście że ta niedouczona trzoda chlewna została orżnięta na kredytach frankowych. Mimo że schemat orżnięcia był łatwy do przewidzenia i oczywisty, gdyby to bydło się uczyło, a nie kantowało.

    • gieptil

      9 stycznia 2017 at 13:50

      Pamiętam że gdy te frankowe kredyty ruszały, to ponad 10 lat temu, kilka razy w sieci ostrzegałem że to może być pułapka. „Mądre głowy” udowadniały mi żem zwykły ciemniak co nic nie rozumie, a taką wyższością. To nich teraz „mądre głowy” zdychają po kanałach.

    • Szukający Drogi

      9 stycznia 2017 at 17:49

      Bardzo uogólniasz. W wielu przypadkach jedyną możliwością posiadania własnej kawalerki był kredyt frankowy, bo nie było zdolności w złotówkach. Nie świadczyło to o cwaniactwie kredytobiorcy, a o podłym systemie. Wrzucanie wszystkich do jednego worka świadczy o sporym prymitywizmie umysłowym.

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