{"id":6317,"date":"2019-09-23T17:24:00","date_gmt":"2019-09-23T14:24:00","guid":{"rendered":"https:\/\/selectednews.info\/pl\/kredyty-we-frankach-a-wyrok-tsue-opinia-moodys\/"},"modified":"2020-02-25T19:26:59","modified_gmt":"2020-02-25T16:26:59","slug":"kredyty-we-frankach-a-wyrok-tsue-opinia-moodys","status":"publish","type":"post","link":"https:\/\/selectednews.info\/pl\/kredyty-we-frankach-a-wyrok-tsue-opinia-moodys\/","title":{"rendered":"Banki czekaj\u0105 na wyrok. Koszty mog\u0105 by\u0107 ogromne"},"content":{"rendered":"<p>Nawet 20 miliard\u00f3w z\u0142otych mo\u017ce kosztowa\u0107 banki niekorzystne dla instytucji finansowych orzeczenie Trybuna\u0142u Sprawiedliwo\u015bci Unii Europejskiej w sprawie kredyt\u00f3w we frankach &#8211; wynika z prognoz agencji ratingowej Moody&#8217;s.<\/p>\n<p>Analitycy agencji ratingowej szacuj\u0105 w raporcie, \u017ce przekszta\u0142cenie um\u00f3w o kredyt indeksowany do franka szwajcarskiego w kredyt w z\u0142otych oprocentowany wed\u0142ug stopy LIBOR oznacza\u0142yby poka\u017ane koszty dla bank\u00f3w &#8211; w najgorszym scenariuszu by\u0142yby ok. 1,5 razy wi\u0119ksze ni\u017c zysk sektora w 2018 r.<\/p>\n<p>Wed\u0142ug danych Komisji Nadzoru Finansowego zysk netto sektora bankowego w 2018 roku wyni\u00f3s\u0142 oko\u0142o 13 mld z\u0142, zatem wed\u0142ug Moody&#8217;s koszty bank\u00f3w w przypadku niekorzystnego orzeczenia TSUE mog\u0142yby wynie\u015b\u0107 prawie 20 mld z\u0142.<\/p>\n<p>Zwi\u0105zek Bank\u00f3w Polskich szacowa\u0142 wcze\u015bniej skutki niekorzystnego <strong>orzeczenia TSUE na 60 mld z\u0142.<\/strong><\/p>\n<h2>&#8222;Kontrowersyjna konwersja&#8221;<\/h2>\n<p>&#8222;Uwa\u017camy, \u017ce konwersja na z\u0142otego przy jednoczesnym utrzymaniu istniej\u0105cej stopy procentowej CHF by\u0142aby kontrowersyjna, poniewa\u017c stawia\u0142oby to kredytobiorc\u00f3w frankowych w uprzywilejowanej pozycji w stosunku do kredytobiorc\u00f3w, kt\u00f3rzy zaci\u0105gn\u0119li w\u00f3wczas kredyt hipoteczny denominowany w z\u0142otych&#8221; &#8211; napisano ponadto w raporcie agencji ratingowej.<\/p>\n<p>Moody&#8217;s ocenia, \u017ce gdyby s\u0105dy konsekwentnie orzeka\u0142y w ten spos\u00f3b, to koszty tego procesu znacznie zmniejszy\u0142by zabezpieczenia kapita\u0142owe polskich bank\u00f3w.<\/p>\n<p>Analitycy zwracaj\u0105 uwag\u0119, \u017ce wp\u0142yw wyroku TSUE na polskie banki b\u0119dzie w du\u017cej mierze zale\u017ca\u0142 od liczby po\u017cyczkobiorc\u00f3w podejmuj\u0105cych dzia\u0142ania prawne, kt\u00f3rych &#8211; jak dot\u0105d &#8211; by\u0142o niewielu, a tak\u017ce od czasu potrzebnego polskim s\u0105dom na zako\u0144czenie tych spraw.<\/p>\n<p>Moody&#8217;s ocenia, \u017ce prawdopodobnie b\u0119dzie to trwa\u0142o przez kilka kwarta\u0142\u00f3w, daj\u0105c bankom czas na dalsze przygotowania.<\/p>\n<h2>S\u0105dny dzie\u0144<\/h2>\n<p>Wyrok Trybuna\u0142u Sprawiedliwo\u015bci Unii Europejskiej <strong>w sprawie dotycz\u0105cej frankowicz\u00f3w<\/strong> ma zapa\u015b\u0107 3 pa\u017adziernika. W po\u0142owie maja rzecznik generalny TSUE wyda\u0142 opini\u0119 w tej sprawie, kt\u00f3ra jest wst\u0119pem do wyroku.<\/p>\n<p>Zgodnie z opini\u0105 uznanie klauzuli indeksacyjnej za niedozwolon\u0105 mo\u017ce skutkowa\u0107 przekszta\u0142ceniem umowy o kredyt indeksowany do franka szwajcarskiego w kredyt w z\u0142otych oprocentowany wed\u0142ug stopy LIBOR lub te\u017c stwierdzeniem niewa\u017cno\u015bci umowy kredytu, przy czym to s\u0105d krajowy b\u0119dzie ka\u017cdorazowo musia\u0142 oceni\u0107 stan faktyczny konkretnej sprawy i wyda\u0107 rozstrzygni\u0119cie w oparciu o obowi\u0105zuj\u0105ce przepisy prawa krajowego.<\/p>\n<p>Opinia rzecznika nie jest wi\u0105\u017c\u0105ca dla TSUE, jednak do tej pory wi\u0119kszo\u015b\u0107 orzecze\u0144 TSUE by\u0142a zgodna z opiniami. Natomiast orzeczenie TSUE jest o tyle wa\u017cne, \u017ce mo\u017ce wp\u0142ywa\u0107 na przysz\u0142e decyzje polskich s\u0105d\u00f3w w sprawach zwi\u0105zanych z umowami kredyt\u00f3w w CHF.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/r.dcs.redcdn.pl\/http\/o2\/tvn\/web-content\/m\/orig\/p121\/i\/e5b294b70c9647dcf804d7baa1903918\/dc7e5a99-ab8b-44ff-9f18-0339d488d2b9.jpg\" width=\"100%\" \/><\/p>\n<h2>Kredyty frankowe w Polsce<\/h2>\n<p><strong>Z opublikowanych w sierpniu 2019 roku danych<\/strong> Biura Informacji Kredytowej wynika, \u017ce na 15,24 mln polskich kredytobiorc\u00f3w znajduj\u0105cych si\u0119 w bazie BIK, 5,2 proc. (nieca\u0142e 800 tys.) to osoby sp\u0142acaj\u0105ce kredyty mieszkaniowe we frankach. Samych kredyt\u00f3w frankowych obecnie jest 458,83 tys.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/tvn24bis.pl\/z-kraju,74\/kredyty-we-frankach-a-wyrok-tsue-opinia-moody-s,971702.html\" rel=\"nofollow\">Source link <\/a><br \/>\n<!--\/noindex--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nawet 20 miliard\u00f3w z\u0142otych mo\u017ce kosztowa\u0107 banki niekorzystne dla instytucji finansowych orzeczenie Trybuna\u0142u Sprawiedliwo\u015bci Unii Europejskiej w sprawie kredyt\u00f3w we frankach &#8211; wynika z prognoz agencji ratingowej Moody&#8217;s. Analitycy agencji ratingowej szacuj\u0105 w raporcie, \u017ce przekszta\u0142cenie um\u00f3w o kredyt indeksowany do franka szwajcarskiego w kredyt w z\u0142otych oprocentowany wed\u0142ug stopy LIBOR oznacza\u0142yby poka\u017ane koszty dla [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wiadomosci-biznesowe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banki czekaj\u0105 na wyrok. 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