Felieton

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

WSZYSTKIE PRAWA DO TEKSTU ZASTRZEŻONE. Możesz udostępniać tekst w serwisach społecznościowych, ale zabronione jest kopiowanie tekstu w części lub całości przez inne redakcje i serwisy internetowe bez zgody redakcji pod groźbą kary i może być ścigane prawnie.

244 komentarze

244 Komentarzy

  1. gieptil

    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.

  2. Peperoncino

    10 stycznia 2017 at 08:08

    @gieptil niezłym jesteś debilem żeby pisać i odpowiadać sobie na posty. Chyba już nikt nie chce pracować jako bankowy troll, żeby zatrudniali takich prostaków jak ty.

  3. Lorriane Barkman

    29 stycznia 2017 at 05:28

    dodaj ogloszenie za darmo

  4. Ted Bridson

    29 stycznia 2017 at 05:36

    potato soup recipes

  5. Granville Pittard

    30 stycznia 2017 at 19:05

    I just added your RSS Feed on my RSS reader, it is so nice to read your blog.,;”;;

  6. There is noticeably a bundle to know about this. I assume you made certain nice points in features also.

  7. Valentine Canonico

    21 lutego 2017 at 16:12

    (visit site)

  8. Randy Welty

    21 lutego 2017 at 16:13

    Illinois Flat Fee MLS

  9. Trevor Markakis

    22 lutego 2017 at 07:17

    what is a bridging loan

  10. Mauro Chanchuan

    22 lutego 2017 at 08:45

    locksmith Nottingham

  11. Winnie Balsano

    22 lutego 2017 at 08:53

    louboutin femme

  12. Else Elsass

    23 lutego 2017 at 06:10

    „Also visit my web blog”

  13. hacking

    7 marca 2017 at 01:38

    You have brought up a very fantastic points , regards for the post.

  14. eroticke pomocky

    7 marca 2017 at 10:16

    It is a beautiful shot with very good light.

  15. Child

    8 marca 2017 at 03:01

    Piece of writing writing is also a excitement, if you be familiar with afterward you can write or else it is difficult to write.

  16. auto insurance quotes cheap

    8 marca 2017 at 17:17

    Im grateful for the article post. Fantastic.

  17. woh I am cheerful to find this website through google.

  18. Foot Doctor

    8 marca 2017 at 21:54

    I savour, cause I discovered exactly what I was taking a look for. You ave ended my four day long hunt! God Bless you man. Have a nice day. Bye

  19. meme kanseri icin muayene

    10 marca 2017 at 05:48

    This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want…HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!

  20. flat shoes online

    10 marca 2017 at 10:49

    Hi, just wished to mention, I loved this blog post. It was useful. Keep on posting! Also pay a visit to my internet website; ครีมหน้าขาว

  21. Airport taxis Leicester

    10 marca 2017 at 11:08

    Say, you got a nice blog. Will read on…

  22. Jual Follower Instagram

    10 marca 2017 at 11:26

    Wow, marvelous blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is excellent, let alone the content!

  23. six month smiles

    10 marca 2017 at 12:19

    Enjoyed every bit of your post.

  24. Jamon.pk

    10 marca 2017 at 14:18

    I value the article. Want more.

  25. tea reviews

    11 marca 2017 at 11:09

    The issue is something too few people are speaking intelligently about.

  26. womens footwears

    11 marca 2017 at 15:01

    Very great weblog submit. I absolutely value this internet site. Keep creating!

  27. genetic Test

    13 marca 2017 at 01:57

    You have made some decent points there. I looked on the

  28. New Balance

    13 marca 2017 at 14:38

    Muchos Gracias for your blog post. Want more.

  29. fun788

    13 marca 2017 at 18:57

    Wow, fantastic blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is great, as well as the content!

  30. Boarder Security

    15 marca 2017 at 01:21

    Some truly choice blog posts on this website , saved to my bookmarks.

  31. Incredible points. Solid arguments. Keep up the great effort.

  32. info@europajurist-schenk.com

    15 marca 2017 at 14:19

    You could definitely see your enthusiasm in the work you write. The arena hopes for more passionate writers such as you who aren at afraid to say how they believe. At all times follow your heart.

  33. minimal

    16 marca 2017 at 12:46

    Wow, amazing blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is fantastic, let alone the content!

  34. Earn money

    16 marca 2017 at 17:50

    Respect to author , some great selective information.

  35. javhd thai

    17 marca 2017 at 08:40

    Very good post! We will be linking to this great content on our site. Keep up the great writing.

  36. deck heroes hack tool free download

    21 marca 2017 at 00:16

    Great blog post. Will read on…

  37. Plumber

    21 marca 2017 at 08:37

    It as going to be end of mine day, except before ending I am reading this impressive piece of

  38. Guest Posting

    21 marca 2017 at 09:20

    Wow, awesome blog layout! How lengthy have you been blogging for? you make blogging glance easy. The full glance of your web site is magnificent, let alone the content!

  39. Animal News

    22 marca 2017 at 09:19

    Wow, fantastic blog format! How lengthy have you ever been blogging for? you made running a blog glance easy. The full look of your site is great, let alone the content material!

  40. reclaimed wood coffee table

    22 marca 2017 at 12:50

    With this increased targeted visitors movement, the opportunity to increase income raises as well.

  41. female dj drops

    22 marca 2017 at 22:16

    This awesome blog is definitely interesting as well as factual. I have picked up a lot of interesting stuff out of this amazing blog. I ad love to go back again soon. Cheers!

  42. Kanakia Paris BKC

    22 marca 2017 at 22:52

    online. I am going to recommend this blog!

  43. online shop kleidung

    22 marca 2017 at 23:48

    Wow, incredible blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is fantastic, let alone the content!

  44. wholesale truck insurance

    23 marca 2017 at 01:31

    Wonderful post! We will be linking to this particularly great post on our site. Keep up the great writing.

  45. Company website

    23 marca 2017 at 12:11

    It as not all on Vince. Folks about him ended up stealing his money. Also when you feel his professional career is more than, you are an idiot.

  46. kleider shoppen

    23 marca 2017 at 12:31

    This website was how do I say it? Relevant!! Finally I have found something which helped me. Appreciate it!

  47. trend fashion online shop

    23 marca 2017 at 14:05

    There is evidently a bundle to realize about this. I assume you made certain good points in features also.

  48. rent miami beach

    23 marca 2017 at 15:20

    Woman of Alien Perfect work you might have finished, this site is admittedly awesome with fantastic info. Time is God as way of maintaining everything from happening at once.

  49. 90041 realtor

    23 marca 2017 at 15:39

    What are some good wordpress themes/plugins that allow you to manipulate design?

  50. arcadia realtor

    23 marca 2017 at 17:02

    I regard something truly special in this site.

  51. russische djs

    25 marca 2017 at 08:20

    Lovely good %anchor%, We have currently put a different one down on my Xmas list.

  52. Greta

    25 marca 2017 at 18:16

    Way cool! Some extremely valid points! I appreciate you penning this post plus the rest of the website is also very good.

  53. Kaedeo

    25 marca 2017 at 19:41

    Wow, superb blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is excellent, let alone the content!

  54. to get more information

    25 marca 2017 at 21:01

    This blog was how do I say it? Relevant!! Finally I have found something which helped me. Appreciate it!

  55. cheap windows vps cloud

    28 marca 2017 at 04:49

    I think you have observed some very interesting points , regards for the post.

  56. leads for financial advisors

    28 marca 2017 at 14:36

    Very good article! We are linking to this particularly great content on our site. Keep up the great writing.

  57. thajsko ubytovani

    29 marca 2017 at 08:18

    I think this is a real great article. Fantastic.

  58. portable ice makers

    29 marca 2017 at 18:06

    writing is my passion that as why it can be quick for me to do write-up writing in less than a hour or so a

  59. Crickbuzz

    30 marca 2017 at 11:54

    Touche. Solid arguments. Keep up the great spirit.

  60. rp hack lol

    31 marca 2017 at 08:27

    Just Browsing While I was surfing yesterday I noticed a great article concerning

  61. it disposal companies

    31 marca 2017 at 11:19

    Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you can do with a few pics to drive the message home a bit, but instead of that, this is wonderful blog. A fantastic read. I will certainly be back.

  62. peopleperhour

    31 marca 2017 at 11:44

    me. Is anyone else having this problem or is it a problem on my end?

  63. advantages of organic gardening

    31 marca 2017 at 12:48

    Only a few blogger would discuss this topic the way you do.,:

  64. how to make money online fast 2017

    31 marca 2017 at 13:09

    Very nice post. I definitely appreciate this website. Continue the good work!

  65. DivorcelawyerSG.com

    31 marca 2017 at 13:52

    You can certainly see your enthusiasm within the paintings you write. The arena hopes for more passionate writers like you who are not afraid to say how they believe. At all times follow your heart.

  66. more info

    31 marca 2017 at 18:16

    Very interesting info !Perfect just what I was looking for!

  67. more information

    31 marca 2017 at 19:38

    The sector hopes for more passionate writers such as you who aren at afraid to say how they believe. At all times follow your heart.

  68. Swinger

    31 marca 2017 at 19:44

    There is noticeably a bundle to learn about this. I assume you made sure nice points in features also.

  69. maleya

    1 kwietnia 2017 at 01:50

    you customize it your self? Either way stay up the nice quality writing, it as uncommon to see a great blog like this

  70. SuperLotto Plus

    1 kwietnia 2017 at 12:54

    It as very trouble-free to find out any matter on web as compared to books, as I found this article at this web page.

  71. hail damage repair near me

    1 kwietnia 2017 at 16:04

    you may have an ideal blog here! would you prefer to make some invite posts on my blog?

  72. Web Designing Courses in delhi

    1 kwietnia 2017 at 20:50

    is written by him as nobody else know such detailed about my problem.

  73. server disposal

    2 kwietnia 2017 at 11:42

    I reckon something truly special in this internet site.

  74. Pagina importante

    3 kwietnia 2017 at 17:25

    There is evidently a bundle to identify about this. I consider you made some nice points in features also.

  75. babysitter

    4 kwietnia 2017 at 16:40

    of the subjects you write related to here. Again, awesome web site!

  76. Its hard to find good help I am regularly saying that its difficult to get quality help, but here is

  77. INNOVATION

    5 kwietnia 2017 at 02:41

    I truly appreciate people like you! Take care!!

  78. it recycling companies

    5 kwietnia 2017 at 10:14

    I see something genuinely interesting about your website so I saved to bookmarks .

  79. JavaScript Stock Charts

    5 kwietnia 2017 at 14:45

    Its hard to find good help I am constantnly saying that its difficult to procure good help, but here is

  80. C_TFIN22_67 Questions

    5 kwietnia 2017 at 23:11

    Very good post. I will be going through some of these issues as well..

  81. Business problem specialist in Jalandhar

    6 kwietnia 2017 at 00:23

    Looking forward to reading more. Great article.

  82. skateboard price

    6 kwietnia 2017 at 08:23

    Wow, awesome blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is great, let alone the content!

  83. Gorillaz Humanz download

    7 kwietnia 2017 at 10:17

    Some truly prize blog posts on this internet site , saved to favorites.

  84. childrens bedside lamp

    7 kwietnia 2017 at 11:28

    There is certainly noticeably a bundle to comprehend this. I assume you might have made particular great factors in functions also.

  85. visit website

    7 kwietnia 2017 at 13:45

    This blog site is pretty cool. How can I make one like this ? How To Donate A Car For Tax Deduction

  86. hiphop dance

    7 kwietnia 2017 at 23:48

    Wow, fantastic blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is wonderful, as well as the content!

  87. Peggy

    8 kwietnia 2017 at 08:20

    Unquestionably believe that which you said. Your favorite justification seemed to be on the web the easiest

  88. Amazing and interesting

    8 kwietnia 2017 at 10:04

    topic of this paragraph, in my view its actually remarkable for me.

  89. how to pick powerball numbers

    8 kwietnia 2017 at 13:07

    Very informative article post. Awesome.

  90. white dresses for women

    8 kwietnia 2017 at 13:33

    said. Your favorite justification seemаА аЂа•? to be on the

  91. BITCOIN

    9 kwietnia 2017 at 05:00

    Wow, fantastic blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is wonderful, let alone the content!

  92. Marrakech desert tours

    10 kwietnia 2017 at 00:19

    The right way to Clean A person as Lcd Television

  93. Pingback: My Homepage

  94. qKfiJ65Cr

    10 kwietnia 2017 at 06:27

    180937 527689I enjoyed reading your pleasant site. I see you offer priceless information. stumbled into this site by chance but Im positive glad I clicked on that link. You undoubtedly answered all of the questions Ive been dying to answer for some time now. Will undoubtedly come back for a lot more of this. 570748

  95. C_TSCM52_67 PDF

    10 kwietnia 2017 at 07:55

    you are actually a just right webmaster. The website

  96. trap beats for sale

    10 kwietnia 2017 at 11:29

    Wow, amazing weblog structure! How long have you ever been blogging for? you made blogging look easy. The total look of your web site is great, let alone the content!

  97. True Corsets

    10 kwietnia 2017 at 17:48

    in presenting only major quality products, presenting the ideal assortment,

  98. Boston Car Service

    11 kwietnia 2017 at 06:17

    You got a very good website, Glad I observed it through yahoo.

  99. clash of clans free gems

    11 kwietnia 2017 at 06:40

    very nice put up, i actually love this web site, carry on it

  100. Vshare

    11 kwietnia 2017 at 16:20

    This blog is amazaing! I will be back for more of this !!! WOW!

  101. blank monthly calendar

    11 kwietnia 2017 at 16:44

    simply extremely great. I actually like what you have received right here,

  102. bathroom accessory set manufacturers

    12 kwietnia 2017 at 05:34

    in the same niche. Your blog provided us beneficial information to work on.

  103. سلام بمبئی

    12 kwietnia 2017 at 07:25

    Well I truly liked reading it. This tip provided by you is very useful for proper planning.

  104. vshare apk

    12 kwietnia 2017 at 17:27

    I value you sharing your viewpoint.. So pleased to get identified this article.. Definitely practical outlook, appreciate your expression.. So happy to possess found this submit..

  105. promocode paytm

    12 kwietnia 2017 at 20:57

    Just Browsing While I was surfing today I noticed a great article concerning

  106. Best Premium Wordpress Themes

    13 kwietnia 2017 at 06:20

    you possess a fantastic weblog here! would you prefer to make some invite posts in my weblog?

  107. Marrakech desert tours

    13 kwietnia 2017 at 08:32

    Wow, awesome blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is fantastic, as well as the content!

  108. games for windows pc download

    13 kwietnia 2017 at 10:02

    There is certainly a great deal to know about this issue. I love all of the points you ave made.

  109. for more info

    13 kwietnia 2017 at 11:14

    you might have a terrific weblog right here! would you wish to make some invite posts on my weblog?

  110. Chatting

    15 kwietnia 2017 at 06:59

    Pretty! This was An fascinating discussion

  111. animal vectors

    15 kwietnia 2017 at 14:46

    I’а†ve learn some good stuff here. Certainly price bookmarking for revisiting. I wonder how much attempt you put to make such a excellent informative site.

  112. bulk computer disposal

    16 kwietnia 2017 at 08:18

    You have mentioned very interesting points ! ps decent web site . „Enemies, as well as lovers, come to resemble each other over a period of time.” by Sydney Harris.

  113. unblocked games at work

    18 kwietnia 2017 at 03:22

    Wow, incredible blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your web site is fantastic, let alone the content!

  114. illustrations

    18 kwietnia 2017 at 05:18

    Well I truly liked studying it. This subject offered by you is very effective for correct planning.

  115. Viagra

    18 kwietnia 2017 at 10:02

    It is best to participate in a contest for probably the greatest blogs on the web. I will suggest this website!

  116. for more info

    18 kwietnia 2017 at 22:33

    you are not more popular because you definitely have the gift.

  117. Whatsapp Funny Status

    18 kwietnia 2017 at 23:26

    writing like yours nowadays. I honestly appreciate people like you!

  118. mls real estate

    19 kwietnia 2017 at 01:18

    Post writing is also a excitement, if you be acquainted with after that you can write or else it is complex to write.

  119. cadcam

    19 kwietnia 2017 at 08:00

    Woh I like your blog posts, saved to bookmarks !.

  120. japanese anime

    19 kwietnia 2017 at 08:02

    Very good article. I am dealing with some of these issues as well..

  121. pharma contract manufacturer

    19 kwietnia 2017 at 21:02

    sante de et le territoire et sa batarde sera je

  122. Whatsapp Status Funny

    19 kwietnia 2017 at 23:29

    You have remarked very interesting points! ps nice site.

  123. glendale real estate

    19 kwietnia 2017 at 23:50

    Some truly prime blog posts on this web site , saved to favorites.

  124. אופניים חשמליות קלות

    20 kwietnia 2017 at 07:25

    There may be noticeably a bundle to find out about this. I assume you made sure good factors in options also.

  125. Dubai Escorts

    20 kwietnia 2017 at 10:37

    Well I truly enjoyed studying it. This article provided by you is very useful for good planning.

  126. Tattoo for Woman

    20 kwietnia 2017 at 22:57

    very nice post, i certainly love this website, carry on it

  127. This info is invaluable. Where can I find out more?

  128. awesome lock

    21 kwietnia 2017 at 10:49

    I think this is a real great blog post. Want more.

  129. oktoberfest

    21 kwietnia 2017 at 19:19

    It as hard to find knowledgeable people about this topic, but you

  130. to learn more

    25 kwietnia 2017 at 13:49

    You ave an incredibly nice layout for your blog i want it to use on my website too.

  131. japanese nasty videos

    26 kwietnia 2017 at 01:26

    Optimization? I am trying to get my blog to rank for some targeted keywords but I am not seeing very good gains.

  132. fast gress burner

    26 kwietnia 2017 at 03:28

    Just Browsing While I was browsing yesterday I saw a great post about

  133. SAP ABAP Certification

    26 kwietnia 2017 at 13:14

    this article together. I once again find myself spending a lot of time both

  134. Office Setup

    26 kwietnia 2017 at 13:44

    I think this is a real great article. Will read on

  135. Loft conversions in Southend-on-Sea

    26 kwietnia 2017 at 16:39

    You have mentioned very interesting details ! ps nice web site. I didn at attend the funeral, but I sent a nice letter saying that I approved of it. by Mark Twain.

  136. web design company

    27 kwietnia 2017 at 18:33

    It is best to participate in a contest for among the best blogs on the web. I all suggest this web site!

  137. desert tours from marrakech

    28 kwietnia 2017 at 09:06

    located that it is truly informative. I’m gonna be

  138. kids dresses

    28 kwietnia 2017 at 13:15

    You should be a part of a contest for one of the best blogs on the net. I am going to highly recommend this website!

  139. click here

    28 kwietnia 2017 at 21:46

    I visited a lot of website but I believe this one has got something extra in it. You can have brilliant ideas, but if you can at get them across, your ideas won at get you anywhere. by Lee Iacocca.

  140. dagkaart actie

    1 maja 2017 at 11:44

    RUSSIA JERSEY ??????30????????????????5??????????????? | ????????

  141. download free books pdf

    1 maja 2017 at 14:05

    you made running a blog look easy. The overall glance

  142. Car Upholstery Cleaning in Bristol

    2 maja 2017 at 18:47

    You can certainly see your enthusiasm within the paintings you write. The sector hopes for even more passionate writers like you who are not afraid to say how they believe. Always follow your heart.

  143. Jasa maklon sabun

    2 maja 2017 at 19:18

    know what you are talking about! Bookmarked. Kindly also seek

  144. online shopping

    2 maja 2017 at 21:49

    Stunning quest there. What happened after? Good luck!

  145. schuhe kaufen

    3 maja 2017 at 17:38

    Wow, fantastic blog structure! How lengthy have you been running a blog for? you made running a blog look easy. The entire glance of your site is excellent, as well as the content material!

  146. schuhe kaufen

    3 maja 2017 at 19:13

    Well done for posting on this subject. There is not enough content posted about it (not particularly good anyway). It is pleasing to see it receiving a little bit more coverage. Cheers!

  147. Buy Weed Online Canada

    3 maja 2017 at 19:50

    The Silent Shard This may likely be fairly practical for many within your job opportunities I want to never only with my blogging site but

  148. Blank Calendar

    4 maja 2017 at 17:01

    Start wanting for these discount codes early, as numerous merchants will start off

  149. may 2017 Kalnirnay

    4 maja 2017 at 17:34

    Some genuinely select posts on this web site , saved to fav.

  150. make money from home

    4 maja 2017 at 18:39

    With havin so much written content do you ever run into any issues of plagorism or copyright violation?

  151. Holland Casino

    4 maja 2017 at 19:43

    Now i am very happy that I found this in my search for something regarding this.

  152. love

    5 maja 2017 at 04:59

    Fantastic article. Cool.

  153. visit website

    5 maja 2017 at 16:23

    In my opinion it is obvious. Try to look for the answer to your question in google.com

  154. Holland Casino Online

    5 maja 2017 at 17:29

    It is best to take part in a contest for among the best blogs on the web. I will advocate this website!

  155. webcam hack

    5 maja 2017 at 23:39

    You ave made some decent points there. I looked on the web for additional information about the issue

  156. nursery wall stickers

    6 maja 2017 at 03:36

    I truly appreciate this blog post. Will read on…

  157. dubai yacht club deira

    6 maja 2017 at 08:09

    You ave got a fantastic site here! would you like to make some invite posts on my weblog?

  158. the power of prayer

    7 maja 2017 at 12:32

    they create article headlines to get viewers to open the links.

  159. make money on ebay

    7 maja 2017 at 20:12

    I am so grateful for your blog post. Want more.

  160. Rafting company in pokhara

    8 maja 2017 at 10:24

    Nice blog here! Also your web site loads up very fast! What host are you using? Can I get your affiliate link to your host? I wish my website loaded up as quickly as yours lol

  161. lighting

    8 maja 2017 at 17:18

    Its hard to find good help I am forever saying that its difficult to find quality help, but here is

  162. this website

    9 maja 2017 at 00:15

    Would love to always get updated great web site!.

  163. Used Heavy Truck Parts

    9 maja 2017 at 09:27

    This blog is without a doubt educating additionally diverting. I have chosen a lot of useful things out of this source. I ad love to visit it again soon. Cheers!

  164. Very good post! We are linking to this great article on our site. Keep up the great writing.

  165. Study in Ukraine

    9 maja 2017 at 20:29

    Your style is very unique compared to other folks I have read stuff from. I appreciate you for posting when you ave got the opportunity, Guess I all just book mark this site.

  166. outillage bois

    10 maja 2017 at 16:18

    The majority of of the commentary on this web site dont make sense.

  167. more details

    10 maja 2017 at 16:53

    Ultimately, an issue that I am passionate about. I ave looked for details of this caliber for that very last numerous hrs. Your website is significantly appreciated.

  168. mail order marijuana canada

    12 maja 2017 at 04:39

    Wonderful post! We are linking to this particularly great post on our website. Keep up the great writing.

  169. taxi to Manchester airport

    12 maja 2017 at 05:15

    The thing i like about your weblog is the fact that you always post direct for the point info.:,*`,

  170. Social media

    12 maja 2017 at 05:50

    Koi I met this in reality good News today

  171. visit website

    12 maja 2017 at 08:14

    Well I definitely liked reading it. This post provided by you is very constructive for accurate planning.

  172. Star Ark Free Digital Currency

    13 maja 2017 at 02:00

    Wow, fantastic blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is wonderful, let alone the content!

  173. games for you

    13 maja 2017 at 08:45

    This is a excellent blog, would you be involved in doing an interview about just how you designed it? If so e-mail me!

  174. B2B Public Relations

    15 maja 2017 at 12:07

    Very good blog post. I certainly love this site. Keep it up!

  175. airport transfer istanbul

    15 maja 2017 at 12:48

    I truly appreciate this blog article. Awesome.

  176. Lavylites Experience

    15 maja 2017 at 14:51

    Its hard to find good help I am forever proclaiming that its hard to get good help, but here is

  177. nightlife

    15 maja 2017 at 19:41

    wonderful points altogether, you simply won a logo new reader. What may you recommend about your publish that you made a few days in the past? Any certain?

  178. ikea furniture assembly

    16 maja 2017 at 09:48

    Very good article. Much obliged.

  179. mcx

    16 maja 2017 at 19:59

    the theEffects Drug drug capsules take expertise cheap is swallow rgb Using Somewhere Overdosage

  180. this website

    16 maja 2017 at 23:02

    This information is priceless. When can I find out more?

  181. Best Paintball Guns

    17 maja 2017 at 02:55

    Wow, wonderful blog structure! How lengthy have you ever been running a blog for? you made blogging glance easy. The overall glance of your site is wonderful, let alone the content material!

  182. Pingback: 27t59xmotc4wn5x5tmw45cte4

  183. it recycling companies

    31 maja 2017 at 02:19

    I believe you have remarked some very interesting details , regards for the post.

  184. server disposal

    31 maja 2017 at 15:49

    I like this post, enjoyed this one appreciate it for posting .

  185. Project Wreckless

    15 czerwca 2017 at 13:23

    When we look at these issues, we know that they are the key ones for our time.

  186. Diorio International Reality

    20 czerwca 2017 at 08:16

    There is perceptibly a lot to identify about this. I consider you made some good points in features also.

  187. Pingback: xmt85c4wx5ctwxw3tcerthve56

  188. 620 Jones

    25 czerwca 2017 at 09:19

    I’ll check back after you publish more articles.

  189. The Midway

    25 czerwca 2017 at 15:46

    Peculiar this blog is totaly unrelated to what I was searching for – – interesting to see you’re well indexed in the search engines.

  190. Pingback: alcoholism withdrawal

  191. Pingback: دانلود قسمت هشتم شهرزاد دوم

  192. Pingback: دانلود شهرزاد قسمت دوازدهم فصل دوم

  193. Pingback: دانلود قسمت 10 شهرزاد دوم

  194. Pingback: دانلود قسمت 17 عاشقانه

  195. Pingback: دانلود قسمت 13 عاشقانه

  196. Pingback: دانلود قسمت چهارده عاشقانه

  197. Pingback: Rayna Rose

  198. Pingback: Jessie Volt

  199. Pingback: Cherie DeVille

  200. Pingback: hampton bay ceiling fan blog

  201. Pingback: دانلود شهرزاد قسمت هفتم فصل دوم

  202. Pingback: Free Stuff Worldwide

  203. Pingback: Purchasing

  204. Pingback: دانلود قسمت 12 عاشقانه

  205. Pingback: Loyola College for Sale by CollegeDunia

  206. Pingback: Hundeskove

  207. Pingback: دانلود قسمت پنجم شهرزاد دوم

  208. Pingback: دانلود قسمت دوازدهم عاشقانه

  209. Pingback: دانلود قسمت سوم شهرزاد دوم

  210. Pingback: bypass windows 7 admin password

  211. Pingback: دانلود قسمت اول فصل دوم شهرزاد

  212. Pingback: دانلود قسمت 13 عاشقانه

  213. Pingback: stephen curry shoes australia

  214. Pingback: 917 d2 australia

  215. Pingback: medical college in India with 45% marks

  216. Pingback: videos porno

  217. Pingback: porno gratis

  218. Pingback: videos porno

  219. Pingback: porno

  220. green fascinators

    18 lipca 2017 at 14:52

    Hey, you used to write great, but the last few posts have been kinda boring… I miss your tremendous writings. Past few posts are just a little out of track! come on!

  221. Pingback: porno

  222. apply pr

    18 lipca 2017 at 23:57

    Great post here!

  223. Pingback: porno gratis

  224. Pingback: porno gratis

  225. Pingback: porno

  226. Pingback: porno

  227. Pingback: porno

  228. Pingback: videos porno

  229. Pingback: porno gratis

  230. apply pr in singapore

    19 lipca 2017 at 20:58

    I like this post. Thanks.

  231. Pingback: دانلود سریال عاشقانه

  232. lime green fascinators

    20 lipca 2017 at 17:58

    I actually wanted to develop a simple remark to say thanks to you for these wonderful strategies you are sharing on this website. My particularly long internet look up has now been paid with really good know-how to share with my pals. I would repeat that we readers are quite fortunate to exist in a fine community with many lovely people with good pointers. I feel somewhat privileged to have discovered your entire website page and look forward to tons of more fun moments reading here. Thanks again for everything.

  233. Pingback: دانلود قسمت هفده عاشقانه

  234. ChasBiarge

    20 lipca 2017 at 22:34

    Amoxicillin Contraindications [url=http://pricescial.com]cialis buy online[/url] Canadian Pharmacy Antibotics

  235. KennHitthype

    21 lipca 2017 at 00:55

    Rockbottom Viagra Prices [url=http://lowpricevia.com]viagra online pharmacy[/url] Generic Progesterone Drugs Website

  236. Pingback: پنجره دوجداره ویستابست

  237. Pingback: پنجره ضد سرقت المانی

  238. Pingback: Acne Facial Treatments Wilton Manors

Skomentuj

Twój adres email nie zostanie opublikowany. Pola, których wypełnienie jest wymagane, są oznaczone symbolem *

Najpopularniejsze

Góra