Koronawirus a kurs franka – czy to jest w jakikolwiek sposób ze sobą powiązane? Niestety tak – oczywiście niestety dla frankowiczów, a ku radości banków. Frank szwajcarski (CHF) bije kolejne rekordy i nic nie wskazuje na to, żeby ten trend miał wyhamować czy się odwrócić. Czy wiesz co oznacza dla Ciebie wzrost kursu waluty? Jakim cudem niewidoczny gołym okiem wirus może mieć wpływ na wysokość Twojej raty? Zapraszam do lektury.
Koronawirus a kurs franka – czy jest jakiś związek?
W dniu dzisiejszym (16 marca 2020 roku) kurs franka oscyluje w granicach 4,19. Tak drogo nie było od stycznia 2015 roku, kiedy to kurs franka poszybował na poziom 4,33. O ile jednak tamten skok był spowodowany głównie czynnikami politycznymi, o tyle aktualna sytuacja nie napawa optymizmem w dłuższej perspektywie. Wprost przeciwnie – pandemia koronawirusa bez wątpienia spowodowała panikę na rynkach światowych. Taka sytuacja oznacza, że inwestorzy uciekają do tzw. bezpiecznych przystani. Za taką jest uważana właśnie szwajcarska waluta. Jeśli zatem zainteresowanie nią się zwiększa – zwiększa się też jej wartość. A to nie wróży dobrze dla domowych budżetów kredytobiorców.
Co oznacza dla mnie wzrost franka?
Odpowiedź na to pytanie jest prosta, ale nie oznacza to, że jest ona dobra. Wzrost kursu franka szwajcarskiego to wzrost kredytu. Dlaczego? Otóż, z punktu widzenia banku jesteś zobowiązany do zwrotu określonej kwoty wyrażonej we franku. Zatem z perspektywy banku wzrost kursu oznacza dodatkowe zyski właśnie od Ciebie. Nic więc dziwnego, że właśnie bank będzie Cię przekonywał, że nie masz się czym martwić, a Twoja umowa jest najlepsza na świecie. Prawda dla kredytobiorcy jest jednak inna. Każdy wzrost kursu to przecież wzrost wartości zaciągniętego kredytu w złotówkach. Jest się zatem czym przejmować.
PRZYKŁAD: Pożyczyłeś 200.000 zł. Bank wykorzystał Twoją naiwność i bezprawnie za pomocą swojego kursu przeliczył, że jesteś mu winien 100.000 CHF. Przy kursie 4,19 na dziś musiałbyś oddać nie 200.000 a 419.000 złotych samego kapitału (nie uwzględniając odsetek).
Oczywiście powyższy przykład to pewne uproszczenie, ale na jego podstawie możesz zrozumieć ten mechanizm i dowiedzieć się dlaczego Twoje zadłużenie się zwiększa się zamiast maleć.
Czy kurs franka będzie rósł?
Z wysokim prawdopodobieństwem – tak. Kurs franka będzie rósł nadal. Ten trend utrzymuje się stale od początku 2018 roku i nic nie wskazuje na to, żeby miał się odwrócić, tym bardziej w obliczu aktualnej sytuacji wywołanej pandemią koronawirusa. Nie ma co się czarować – najprawdopodobniej będzie tylko gorzej.
Jak już wspominałem – inwestorzy w czasach kryzysu poszukują bezpiecznych przestani. Paradoksalnie jednak to co dla jednych oznacza bezpieczeństwo, dla kredytobiorców oznacza przekleństwo. Wszyscy, którzy zaciągnęli toksyczne kredyty frankowe (kredyty waloryzowane CHF czy inną walutą) tracą każdego dnia, na każdym nawet najmniejszym wzroście kursu waluty. Kredyt w CHF, choć na początku był reklamowany jako bezpieczny, okazuje się zabójczy. Zabójczy oczywiście tylko dla kredytobiorcy. Bank nadal na nim zarabia. Z każdym dniem coraz więcej.
Frank do góry – czekać czy działać?
Bez wątpienia skutki pandemii koronawirusa będziemy odczuwali jeszcze bardzo długo. Uważam, że w obliczu ogólnoświatowego kryzysu upadnie wielu przedsiębiorców. Niewykluczone, że będą to również banki. Nie musi to nastąpić w tym półroczu, ale niewykluczone, że tak właśnie będzie. Warto się zatem zastanowić czy to nie najwyższa pora albo ostatnia chwila na pozwanie banku.
Poza tym – dlaczego miałbyś się zgadzać, abyś cierpiał za to, że dziesięć lat temu ktoś Cię oszukał zapewniając, że produkt
Potrzebujesz porady w innej sprawie? Sprawdź w czym możemy Ci pomóc.
Jeśli rozważasz złożenie pozwu przeciwko bankowi lub zostałeś pozwany to zapraszam Cię serdecznie do mojej kancelarii w Warszawie. Możesz skonsultować się z nami także poprzez formularz kontaktowy, dzwoniąc pod numer 663-775-333 lub pisząc maila: jakub@pragaadwokaci.pl
Pozdrawiam
Jakub Ryzlak
Adwokat Frankowiczów
83 komentarze
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