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NBP
2018-11-20
USD
3.7900
0.16%
EUR
4.3314
0.17%
CHF
3.8171
0.59%
GBP
4.8643
-0.12%

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NBP
2018-11-19

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USD
3.7840
%

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EUR
4.3242
%

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CHF
3.7947
%

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GBP
4.8701
%

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NBP

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NBP
2018-11-15
USD
3.8074
-0.10%
EUR
4.2970
0.04%
CHF
3.7814
0.18%
GBP
4.8686
-1.49%

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NBP
2018-11-14
USD
3.8114
-0.40%
EUR
4.2954
-0.09%
CHF
3.7747
-0.30%
GBP
4.9424
0.20%

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Robisz przelew zagraniczny?
SPRAWD殴 KOD SWIFT

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chf
Drogi frank szwajcarski (CHF). Co robi膰? Masz kredyt mieszkaniowy we franku szwajcarskim (CHF)? Przera偶a Ci臋 kurs franka? Dowiedz si臋 co robi膰, aby nie wpa艣膰 w k艂opoty finansowe.

Sytuacja gdy wysoko艣膰 rat ju偶 przekracza mo偶liwo艣膰 sp艂acania:
- niezb臋dny kontakt z bankiem, pami臋tajmy o mo偶liwo艣ciach takich jak:
1) zawieszenie sp艂aty,
2) zmniejszenie raty poprzez wyd艂u偶enie okresu kredytowania
3) renegocjacja mar偶y kredytu.
3) inne indywidualne rozwi膮zania

Je偶eli jeszcze nie masz zaleg艂o艣ci w sp艂acie kredytu, ale ju偶 wiesz, 偶e nie sta膰 Ci臋 na sp艂at臋 rat sprawd藕 jakie s膮 warunki zawieszenia rat kredytu. Cz臋sto mo偶na skorzysta膰 z opcji zawieszenia sp艂aty kredytu bez dodatkowych koszt贸w lub p艂ac膮c niewielki procent od zad艂u偶enia.

W przypadku utraty pracy, warto sprawdzi膰 czy kredyt by艂 obj臋ty ubezpieczeniem. Informacje znajdziemy w otrzymanych dokumentach lub w banku. Ubezpieczyciel w przypadku utraty pracy mo偶e dokonywa膰 sp艂at rat za kredytobiorce.

Je偶eli masz ju偶 zaleg艂o艣ci w sp艂acie, jedynym sensownym rozwi膮zaniem jest wizyta w Banku. Warto wcze艣niej dokona膰 sp艂aty cz臋艣ci zaleg艂o艣ci, to zwi臋ksza nasze szanse na podj臋cie negocjacji przez bank. Przed wizyt膮 w banku warto przygotowa膰 pismo w naszej sprawie poniewa偶 cz臋sto pracownicy w oddziale nie s膮 upowa偶nieni do podejmowania takich decyzji.

 
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