{"id":1578,"date":"2023-04-20T11:31:11","date_gmt":"2023-04-20T10:31:11","guid":{"rendered":"https:\/\/www.legallex.pl\/?p=1578"},"modified":"2023-04-20T11:32:20","modified_gmt":"2023-04-20T10:32:20","slug":"jak-wibor-wplywa-na-wysokosc-raty-kredytu-i-co-daje-jego-usuniecie","status":"publish","type":"post","link":"https:\/\/www.legallex.pl\/?p=1578","title":{"rendered":"Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1578\" class=\"elementor elementor-1578\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5af20b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5af20b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d17a38\" data-id=\"5d17a38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a4a9e94 elementor-widget elementor-widget-heading\" data-id=\"a4a9e94\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WIBOR \u2013 najwa\u017cniejsze informacje<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4d265f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d265f6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f034dc3\" data-id=\"f034dc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a38c4a3 elementor-widget elementor-widget-text-editor\" data-id=\"a38c4a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Najpro\u015bciej rzecz ujmuj\u0105c, WIBOR jest oprocentowaniem po\u017cyczek, kt\u00f3re banki udzielaj\u0105 innym bankom, czyli stawk\u0105 uzale\u017cnion\u0105 od poziomu g\u0142\u00f3wnej stopy procentowej ustalanej przez Rad\u0119 Polityki Pieni\u0119\u017cnej, wed\u0142ug kt\u00f3rej udzielane s\u0105 kredyty hipoteczne.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ded8411 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ded8411\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62c4fa3\" data-id=\"62c4fa3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50a447d elementor-widget elementor-widget-text-editor\" data-id=\"50a447d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Zmienne oprocentowanie kszta\u0142tuje si\u0119 na podstawie stawek WIBOR 3M lub 6M, o kt\u00f3rych ju\u017c wspominali\u015bmy we wcze\u015bniejszych postach. Na nieszcz\u0119\u015bcie kredytobiorc\u00f3w, przy ustalaniu wska\u017anik\u00f3w nie bierze si\u0119 pod uwag\u0119 rzeczywistych transakcji, a jedynie sugestie dziesi\u0119ciu najwi\u0119kszych plac\u00f3wek finansowych w Polsce.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-dc06b1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc06b1d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2658c95\" data-id=\"2658c95\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-592b1b4 elementor-widget elementor-widget-text-editor\" data-id=\"592b1b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Rata kredytu ma swoj\u0105 struktur\u0119. Sk\u0142ada si\u0119 na ni\u0105 cz\u0119\u015b\u0107 odsetkowa oraz cz\u0119\u015b\u0107 kapita\u0142owa.\u00a0<\/strong>To w\u0142a\u015bnie cz\u0119\u015b\u0107 kapita\u0142ow\u0105 kszta\u0142tuje mar\u017ca banku oraz aktualny wska\u017anik WIBOR. Mar\u017ca jest zawsze okre\u015blana podczas zawierania umowy kredytowej i z regu\u0142y jest sta\u0142a przez ca\u0142y okres sp\u0142acania zobowi\u0105zania. Je\u015bli chodzi o stawk\u0119 WIBOR, nigdy nie jeste\u015bmy w stanie przewidzie\u0107 jej dok\u0142adnej wysoko\u015bci, w wi\u0119c i tego, ile wyniesie rzeczywisty i ca\u0142kowity koszt udzielonej po\u017cyczki.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6ebdc62 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ebdc62\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0306666\" data-id=\"0306666\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17d834f elementor-widget elementor-widget-text-editor\" data-id=\"17d834f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Czy mo\u017cliwe jest zakwestionowanie umowy kredytu zaci\u0105gni\u0119tego w z\u0142ot\u00f3wkach?<\/strong><\/p><p>Pogarszaj\u0105ca si\u0119 sytuacja materialna sk\u0142oni\u0142a konsument\u00f3w do poszukiwania pomocy prawne. <strong>Zacz\u0119to zastanawia\u0107 si\u0119 nad mo\u017cliwo\u015bci\u0105 podwa\u017cenia um\u00f3w o udzielenie kredyt\u00f3w w z\u0142ot\u00f3wkach oprocentowanych stawk\u0105 WIBOR.\u00a0<\/strong>Prawnicy cz\u0119sto decyduj\u0105 si\u0119 tutaj na roszczenie o ustalenie niezwi\u0105zania posiadacza kredytu klauzul\u0105 niedozwolon\u0105, a zyskanie przychylno\u015bci s\u0105du skutkuje wprowadzeniem kluczowej zmiany, kt\u00f3r\u0105 jest usuni\u0119cie WIBOR-u i pozostawienie oprocentowania sk\u0142adaj\u0105cego si\u0119 jedynie z mar\u017cy nak\u0142adanej przez bank, co jest bardzo korzystnym rozwi\u0105zniem.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>WIBOR \u2013 najwa\u017cniejsze informacje Najpro\u015bciej rzecz ujmuj\u0105c, WIBOR jest oprocentowaniem po\u017cyczek, kt\u00f3re banki udzielaj\u0105 innym bankom, czyli stawk\u0105 uzale\u017cnion\u0105 od poziomu g\u0142\u00f3wnej stopy procentowej ustalanej przez Rad\u0119 Polityki Pieni\u0119\u017cnej, wed\u0142ug kt\u00f3rej udzielane s\u0105 kredyty hipoteczne. Zmienne oprocentowanie kszta\u0142tuje si\u0119 na podstawie stawek WIBOR 3M lub 6M, o kt\u00f3rych ju\u017c wspominali\u015bmy we wcze\u015bniejszych postach. Na nieszcz\u0119\u015bcie &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.legallex.pl\/?p=1578\"> <span class=\"screen-reader-text\">Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie?<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[8,21],"tags":[],"class_list":["post-1578","post","type-post","status-publish","format-standard","hentry","category-kredytychf","category-publikacje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie? - Legallex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legallex.pl\/?p=1578\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie? - Legallex\" \/>\n<meta property=\"og:description\" content=\"WIBOR \u2013 najwa\u017cniejsze informacje Najpro\u015bciej rzecz ujmuj\u0105c, WIBOR jest oprocentowaniem po\u017cyczek, kt\u00f3re banki udzielaj\u0105 innym bankom, czyli stawk\u0105 uzale\u017cnion\u0105 od poziomu g\u0142\u00f3wnej stopy procentowej ustalanej przez Rad\u0119 Polityki Pieni\u0119\u017cnej, wed\u0142ug kt\u00f3rej udzielane s\u0105 kredyty hipoteczne. Zmienne oprocentowanie kszta\u0142tuje si\u0119 na podstawie stawek WIBOR 3M lub 6M, o kt\u00f3rych ju\u017c wspominali\u015bmy we wcze\u015bniejszych postach. Na nieszcz\u0119\u015bcie &hellip; Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie? 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Zmienne oprocentowanie kszta\u0142tuje si\u0119 na podstawie stawek WIBOR 3M lub 6M, o kt\u00f3rych ju\u017c wspominali\u015bmy we wcze\u015bniejszych postach. Na nieszcz\u0119\u015bcie &hellip; Jak WIBOR wp\u0142ywa na wysoko\u015b\u0107 raty kredytu i co daje jego usuni\u0119cie? 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