3 rzeczy, które możesz zrobić z kredytem frankowym

  • Wyrok TSUE i pierwsze orzeczenia sądów w Polsce otwierają nowe możliwości przed frankowymi kredytobiorcami, których mocno obciążył rosnący kurs szwajcarskiej waluty.
  • Są przynajmniej 3 sposoby odzyskania środków, a być może nawet do unieważnienia umów.
  • Szansa jest na to teraz większa niż kiedykolwiek – kolejne banki tworzą rezerwy środków na świadczenia związane z przegranymi sprawami z frankowiczami.

Sprawdź, co możesz zrobić ze swoją umową

800 tys. osób ma w Polsce kredyt denominowany we frankach szwajcarskich. Część z nich terminowo i bez problemu reguluje związane z tym zobowiązania. Niestety coraz większa liczba osób ma ze spłatą problemy, bo wielkość rat mocno wzrosła od czasu podpisania umowy. Zarówno jedna, jak i druga grupa nie powinna siedzieć z założonymi rękami, lepiej sprawdzić co można zrobić, żeby kredyt we frankach był tańszy.

Podstawą działań jest wyrok Trybunału Sprawiedliwości Unii Europejskiej (TSUE) z dn. 3.10.2019 r. w sprawie jednej z polskich rodzin. Trybunał uznał, że w zawartych w Polsce umowach kredytu z wykorzystaniem mechanizmu indeksowania w walucie obcej, nieuczciwe warunki dotyczące różnic kursowych nie mogą być zastąpione przepisami ogólnymi polskiego prawa cywilnego. 

Wyrok TSUE dotyczy wykładni prawa Unii i nie kończy automatycznie żadnej sprawy toczącej się przed polskim sądem. Wskazuje jednak, że to do sądu krajowego należy ocena, czy umowa kredytu zawierająca nieuczciwe warunki może zostać utrzymana w mocy po usunięciu z niej zasad indeksacji, czy też możliwe będzie stwierdzenie jej nieważności. Trafia do nas coraz więcej osób zlecających analizę ich umów kredytowych. Wyrok TSUE i pierwsze orzeczenia sądów krajowych budzą duże nadzieje frankowiczów i otwierają przed nimi duże możliwości. Dlatego liczba przypadków kierowanych na drogę sądową rośnie, podobnie jak procent wygranych spraw – mówi Adwokat Karolina Krupińska – Dyrektor Działu Prawnego w e-Kancelaria.

Jak przewalutować kredyt we frankach

Naturalnie każda umowa jest inna, były zawierane w ciągu wielu lat, z różnymi bankami, przy odmiennym kursie franka. Nie da się więc z góry założyć, że każda umowa hipoteczna to pewna wygrana w sądzie. Dla wielu zadłużonych przewalutowanie i szansa odzyskania środków z niefortunnej hipoteki to jak kredytowe koło ratunkowe.

– Są 3 podstawowe drogi postępowania z umowami kredytowymi we frankach:

– odzyskanie prowizji za przeliczanie walut – tzw. spready,

– odzyskanie kwoty ubezpieczenia niskiego wkładu oraz

– unieważnienie umowy.

Już na etapie analizy skanu dokumentów nasi prawnicy oceniają, która z tych dróg w danym przypadku jest najbardziej perspektywiczna (czasem wszystkie trzy), jesteśmy też w stanie oszacować kwotę, jaką z danej umowy można odzyskać – mówi Karolina Krupińska.

Prawnik lepszy niż opinie na forum internetowym

Podstawą do decyzji o tym co zrobić z kredytem frankowym jest analiza treści umowy i towarzyszącego jej regulaminu pod kątem bezskuteczności klauzul oraz ocena możliwości dochodzenia roszczeń od banku w postępowaniu cywilnym. Najistotniejsze są zawarte w umowie zapisy dotyczące sposobu przeliczania złotówek na CHF, które stanowią niedozwolone klauzule waloryzacyjne. Do weryfikacji potrzebne jest złożenie w banku wniosku o wydanie stosownych dokumentów i zaświadczeń.

– Każda umowa wymaga indywidualnej analizy, bo różna jest sytuacja kredytobiorców. Nawet w obrębie jednego banku nie warto opierać się na obiegowych opiniach, jakie pojawiają się w przestrzeni publicznej czy na forach internetowych. Można np. czasem przeczytać, że w Banku X umowa jest nie do ruszenia, tymczasem na przestrzeni wielu lat, kiedy banki kredytowały nieruchomości we frankach, zapisy umów się przecież zmieniały. Nie w każdym przypadku rekomendujemy drogę sądową, ale warto to sprawdzić indywidualnie – mówi Adwokat Karolina Krupińska z e-Kancelaria.

Wyrok TSUE nie oznacza automatycznego przewalutowania z zachowaniem aktualnego oprocentowania LIBOR. Wyrok nie unieważnia też z góry żadnej umowy. O to trzeba się postarać samodzielnie przed sądem. Wszystko jednak wskazuje na to, że dla frankowiczów nastały lepsze czasy, być może nigdy do tej pory nie było tak sprzyjających okoliczności, żeby uwolnić się od tego obciążenia. Wiedzą też o tym banki, już kilka z nich w swoich rozliczeniach finansowych poinformowało, że tworzy rezerwy środków na świadczenia związane z przegranymi sprawami kredytowym. Te pieniądze mogą trafić do frankowiczów.

208 Replies to “3 rzeczy, które możesz zrobić z kredytem frankowym

  1. Pingback: bahis siteleri
  2. I precisely had to thank you so much once again. I’m not certain the things that I could possibly have handled without those suggestions documented by you directly on my situation. It was before a real depressing dilemma in my view, but coming across a new well-written approach you dealt with it took me to leap for joy. I’m happy for this assistance and even sincerely hope you realize what a powerful job that you’re getting into instructing the rest via your webpage. Most probably you haven’t encountered any of us.

  3. I really wanted to construct a brief message in order to thank you for all of the amazing advice you are placing here. My rather long internet investigation has finally been honored with really good facts and techniques to talk about with my company. I 'd state that that most of us website visitors actually are quite lucky to be in a remarkable place with many lovely professionals with very beneficial opinions. I feel very blessed to have seen your entire website page and look forward to plenty of more entertaining minutes reading here. Thanks a lot again for a lot of things.

  4. I’m also commenting to make you know what a awesome discovery my wife’s princess enjoyed going through your site. She even learned a wide variety of details, which included what it’s like to have an awesome giving nature to have most people with ease know just exactly a variety of tortuous matters. You actually surpassed visitors’ expectations. I appreciate you for distributing those important, trustworthy, informative and also cool tips on that topic to Gloria.

  5. I am only commenting to make you know of the useful discovery my wife’s daughter developed viewing your site. She figured out a good number of details, not to mention how it is like to have an amazing helping nature to make certain people just have an understanding of certain extremely tough things. You undoubtedly surpassed readers’ expectations. Thank you for distributing the priceless, safe, informative as well as fun tips on your topic to Tanya.

  6. I and also my guys have been taking note of the good tactics located on your web page and immediately I got an awful feeling I never thanked the blog owner for those tips. The people appeared to be so happy to read all of them and already have honestly been loving those things. I appreciate you for getting simply considerate as well as for picking out these kinds of amazing topics millions of individuals are really desperate to know about. Our own honest apologies for not expressing gratitude to you earlier.

  7. My wife and i got now excited that Louis managed to carry out his studies from the ideas he grabbed through your weblog. It is now and again perplexing to simply happen to be making a gift of information and facts which usually some other people have been trying to sell. We realize we have the writer to give thanks to because of that. The entire explanations you made, the straightforward web site menu, the friendships you will help promote – it is most fantastic, and it’s really assisting our son and us do think this situation is pleasurable, and that’s exceedingly serious. Thank you for the whole thing!

  8. I wanted to write you one little observation just to thank you so much over again with your beautiful principles you have discussed on this page. This has been so pretty open-handed with you to supply without restraint all that most of us could possibly have offered as an e book in making some dough for their own end, principally seeing that you might have done it if you ever considered necessary. Those ideas also acted to be the great way to understand that other people online have the same zeal just like my own to see significantly more concerning this issue. I am sure there are several more fun occasions in the future for individuals that scan your blog post.

  9. My spouse and i were cheerful John could conclude his survey through your precious recommendations he discovered through the blog. It’s not at all simplistic to just continually be freely giving secrets the rest may have been making money from. Therefore we acknowledge we have the blog owner to thank for that. Most of the illustrations you have made, the simple site navigation, the friendships you give support to foster – it’s everything fantastic, and it is making our son and the family understand the topic is cool, which is exceptionally mandatory. Thank you for the whole thing!

  10. I want to express my love for your kind-heartedness giving support to men and women who have the need for assistance with that issue. Your personal dedication to getting the solution along has been quite invaluable and have specifically empowered those just like me to achieve their desired goals. Your personal warm and friendly guideline implies so much a person like me and further more to my office workers. Many thanks; from each one of us.

  11. Thanks for all your valuable labor on this website. Betty take interest in conducting investigations and it’s really simple to grasp why. Many of us notice all relating to the powerful way you render both useful and interesting guides through the blog and even cause participation from website visitors on the issue plus our princess is undoubtedly understanding so much. Take advantage of the remaining portion of the new year. You are always doing a dazzling job.

  12. I actually wanted to construct a quick note in order to express gratitude to you for all of the splendid techniques you are posting on this site. My particularly long internet lookup has at the end of the day been recognized with professional insight to exchange with my company. I would declare that many of us visitors are unquestionably fortunate to exist in a fantastic website with many lovely individuals with insightful opinions. I feel somewhat happy to have seen your entire web page and look forward to so many more excellent moments reading here. Thanks a lot once again for a lot of things.

  13. I actually wanted to construct a word to be able to appreciate you for all the great information you are giving out on this website. My extended internet investigation has now been paid with useful know-how to exchange with my classmates and friends. I would say that most of us website visitors actually are undoubtedly endowed to dwell in a perfect community with so many brilliant professionals with useful points. I feel rather grateful to have used your web site and look forward to so many more enjoyable times reading here. Thank you once more for everything.

  14. I not to mention my guys have already been analyzing the excellent information and facts on the website then before long came up with an awful suspicion I never expressed respect to you for them. All of the boys were definitely certainly stimulated to study them and have in fact been loving them. Many thanks for simply being really kind as well as for opting for this kind of quality topics millions of individuals are really needing to be informed on. My very own sincere regret for not expressing gratitude to you earlier.

  15. I needed to compose you a very little note to give many thanks over again for these superb tactics you’ve documented on this page. It has been so extremely open-handed of you to allow freely all most of us could possibly have offered for sale as an ebook to help with making some bucks for their own end, most notably given that you could have done it in the event you desired. Those concepts likewise worked like the good way to comprehend most people have similar fervor the same as my very own to learn more in terms of this issue. Certainly there are several more pleasurable sessions ahead for individuals that take a look at your blog post.

  16. I as well as my pals were going through the nice procedures on the website then the sudden I got a horrible suspicion I had not thanked the web site owner for those techniques. My people were definitely totally passionate to read them and have seriously been using them. Appreciate your actually being considerably kind and also for deciding upon certain magnificent useful guides most people are really needing to be aware of. My personal honest apologies for not expressing appreciation to sooner.

  17. I truly wanted to develop a quick comment in order to express gratitude to you for some of the splendid facts you are posting at this site. My time consuming internet search has finally been rewarded with excellent content to go over with my classmates and friends. I 'd suppose that we website visitors are undoubtedly blessed to be in a fine network with many perfect individuals with great strategies. I feel somewhat blessed to have used your entire website page and look forward to really more enjoyable moments reading here. Thank you once more for all the details.

  18. I needed to post you this bit of note just to give many thanks as before for the stunning methods you’ve discussed on this website. It is so surprisingly open-handed of people like you in giving freely what many people would’ve offered as an e-book to earn some cash on their own, certainly given that you could possibly have done it if you wanted. The good tips also served like a great way to comprehend other individuals have a similar interest like my very own to know the truth good deal more with reference to this matter. Certainly there are lots of more fun occasions in the future for many who find out your blog post.

  19. I must convey my passion for your kindness for persons that really want help on in this idea. Your personal dedication to getting the message across appears to be especially significant and have without exception made associates much like me to arrive at their pursuits. Your entire important help and advice means a whole lot a person like me and somewhat more to my peers. With thanks; from each one of us.

  20. I happen to be commenting to let you know of the useful experience my wife’s daughter experienced using your web page. She came to understand so many issues, including what it’s like to possess an excellent helping character to get other folks without problems know just exactly specific problematic things. You really did more than our own expected results. Many thanks for showing such important, dependable, educational and in addition fun tips on this topic to Evelyn.

  21. My husband and i got joyful when Albert could do his analysis while using the precious recommendations he gained from your web site. It is now and again perplexing to simply always be making a gift of information and facts which often some others may have been making money from. And we all already know we’ve got the blog owner to be grateful to for this. Most of the explanations you have made, the easy blog navigation, the friendships you give support to foster – it is many remarkable, and it’s helping our son in addition to the family believe that that content is cool, which is certainly especially fundamental. Thank you for all the pieces!

  22. I must express thanks to you for bailing me out of this difficulty. After surfing throughout the world-wide-web and finding basics that were not beneficial, I was thinking my life was well over. Existing devoid of the approaches to the issues you’ve sorted out through your entire review is a serious case, and the kind that would have in a negative way affected my entire career if I hadn’t discovered your web blog. Your actual talents and kindness in dealing with all the pieces was valuable. I am not sure what I would’ve done if I hadn’t come upon such a step like this. I can at this time look forward to my future. Thanks a lot very much for the skilled and effective help. I won’t be reluctant to refer the blog to any person who needs to have recommendations on this matter.

  23. I would like to point out my gratitude for your kind-heartedness in support of men and women that absolutely need guidance on the issue. Your personal commitment to passing the solution all over came to be astonishingly productive and has regularly allowed some individuals much like me to achieve their desired goals. Your personal informative tutorial signifies a lot to me and much more to my colleagues. Thanks a lot; from each one of us.

  24. I want to convey my passion for your kind-heartedness in support of individuals who require help on this one situation. Your very own dedication to passing the message all through had become definitely powerful and has constantly allowed others much like me to arrive at their desired goals. Your new interesting suggestions entails a great deal a person like me and extremely more to my fellow workers. Thanks a lot; from everyone of us.

  25. My spouse and i ended up being peaceful Chris managed to complete his studies through your ideas he discovered from your own blog. It’s not at all simplistic to simply possibly be making a gift of solutions that other folks might have been trying to sell. We really remember we need the writer to be grateful to for this. All the illustrations you have made, the simple site navigation, the relationships your site help to instill – it is all fantastic, and it is helping our son and our family consider that that subject matter is awesome, which is certainly pretty indispensable. Many thanks for the whole lot!

  26. Thanks so much for giving everyone an exceptionally nice opportunity to read in detail from this blog. It’s usually so lovely and as well , packed with amusement for me and my office co-workers to visit your site more than thrice weekly to read through the latest guides you have got. And indeed, I’m so actually contented concerning the splendid secrets served by you. Selected 3 tips in this post are indeed the most suitable I have ever had.

  27. I and also my guys happened to be digesting the best advice from your web page then quickly developed a terrible feeling I had not expressed respect to the blog owner for those secrets. These guys are actually passionate to see all of them and have extremely been having fun with those things. I appreciate you for indeed being quite accommodating and then for selecting varieties of extraordinary guides most people are really wanting to be informed on. Our own sincere apologies for not saying thanks to sooner.

  28. A lot of thanks for all your valuable hard work on this site. Ellie delights in getting into investigations and it’s obvious why. We know all concerning the lively manner you provide very important tips via this web blog and therefore strongly encourage response from other ones on the theme while my princess is discovering a great deal. Enjoy the remaining portion of the new year. You have been doing a first class job.

  29. I needed to compose you one bit of observation in order to say thanks once again for these incredible techniques you’ve discussed in this case. It has been certainly particularly open-handed with people like you to provide publicly all most people would’ve marketed for an e book to help with making some bucks for themselves, certainly considering the fact that you might have tried it in the event you desired. Those tips as well worked to be a great way to fully grasp someone else have the same dreams much like my very own to see a whole lot more in terms of this matter. I know there are numerous more enjoyable periods in the future for individuals who go through your blog.

Dodaj komentarz

Twój adres e-mail nie zostanie opublikowany.