{"id":1584,"date":"2023-04-20T11:44:19","date_gmt":"2023-04-20T10:44:19","guid":{"rendered":"https:\/\/www.legallex.pl\/?p=1584"},"modified":"2023-04-20T11:49:44","modified_gmt":"2023-04-20T10:49:44","slug":"czy-podpisac-aneks-wibor","status":"publish","type":"post","link":"https:\/\/www.legallex.pl\/?p=1584","title":{"rendered":"Czy podpisa\u0107 aneks WIBOR?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1584\" class=\"elementor elementor-1584\" 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-0800812 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0800812\" 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-659a2ea\" data-id=\"659a2ea\" 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-6740c21 elementor-widget elementor-widget-text-editor\" data-id=\"6740c21\" 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>W ostatnim czasie kredytobiorcom coraz cz\u0119\u015bciej proponuje si\u0119 podpisanie aneks\u00f3w odsy\u0142aj\u0105cych do wska\u017anika WIBOR. Jakie taki aneks wywo\u0142uje konsekwencje? Niepodpisany, nie wywo\u0142uje \u017cadnych, podpisany natomiast, niestety mo\u017ce wp\u0142yn\u0105\u0107 Pa\u0144stwa spraw\u0119.<\/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-0a853c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a853c1\" 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-3c905ca\" data-id=\"3c905ca\" 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-1899585 elementor-widget elementor-widget-text-editor\" data-id=\"1899585\" 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>Likwidacja wska\u017anika WIBOR to najnowsze rozwi\u0105zanie rz\u0105dowej pomocy dla os\u00f3b sp\u0142acaj\u0105cych kredyty hipoteczne (tarcza antykryzysowa dla kredytobiorc\u00f3w). Wska\u017anik maj\u0105cy zast\u0105pi\u0107 WIBOR, pono\u0107 b\u0119dzie ni\u017cszy od niego, a wi\u0119c zmniejszeniu ulegnie r\u00f3wnie\u017c skala wzrostu oprocentowania oraz wysoko\u015bci rat kredyt\u00f3w.<\/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-aa27751 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa27751\" 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-620317a\" data-id=\"620317a\" 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-273509d elementor-widget elementor-widget-heading\" data-id=\"273509d\" 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\">WIRON zamiast WIBOR<\/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-61694a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61694a4\" 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-4a2b981\" data-id=\"4a2b981\" 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-2287421 elementor-widget elementor-widget-text-editor\" data-id=\"2287421\" 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>WIRON (Warsaw Interest Rate Overnight), czyli uprzedni WIRD (Warszawski Indeks Rynku Depozytowego), zast\u0105pi WIBOR, kt\u00f3ry, jak wiadomo, stanowi podstaw\u0119 wyliczania oprocentowania kredyt\u00f3w. Wska\u017anik WIRON opracowywany jest na danych dotycz\u0105cych transakcji overnight, a jego nowa nazwa ma najzwyczajniej lepiej odda\u0107 charakter wska\u017anika.<\/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-71186e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71186e3\" 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-e693f16\" data-id=\"e693f16\" 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-0b8fb73 elementor-widget elementor-widget-text-editor\" data-id=\"0b8fb73\" 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>WIRON ustalany jest jako \u015brednia stopa procentowa wa\u017cona wolumenem, obliczana na podstawie zbioru transakcji z danego dnia poddanego korekcie dwustronnej, polegaj\u0105cej na odcinaniu na obu kra\u0144cach dziennego rozk\u0142adu st\u00f3p transakcji okre\u015blonego odsetka \u0142\u0105cznej sumy wolumenu wszystkich transakcji z danego dnia. Wyliczenie \u015bredniej stopy procentowej wa\u017conej wolumenem nast\u0119puje na podstawie zbioru transakcji pozosta\u0142y po procesie korekty.<\/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-aeb8a68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aeb8a68\" 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-4166e1c\" data-id=\"4166e1c\" 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-f157b43 elementor-widget elementor-widget-heading\" data-id=\"f157b43\" 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\">Czy warto podpisa\u0107 aneks BMR?<\/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-1212694 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1212694\" 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-f42a762\" data-id=\"f42a762\" 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-e7c14e0 elementor-widget elementor-widget-text-editor\" data-id=\"e7c14e0\" 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>Nale\u017cy pami\u0119ta\u0107, \u017ce brak podpisania aneksu nie wywo\u0142uje \u017cadnych negatywnych konsekwencji. Ryzykiem jest jedynie pewna niepewno\u015b\u0107 odno\u015bnie tego, co si\u0119 stanie w momencie zaprzestania publikowania wska\u017anika WIBOR. Umowa kredytu mimo, \u017ce pozostanie wa\u017cna, nie b\u0119dzie zawiera\u0142a informacji odno\u015bnie wska\u017anika referencyjnego stosowanego w celu obliczania oprocentowania.<\/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-771b58c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"771b58c\" 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-ae23507\" data-id=\"ae23507\" 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-5de6690 elementor-widget elementor-widget-text-editor\" data-id=\"5de6690\" 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>Zgodnie z rozporz\u0105dzeniem Parlamentu Europejskiego i Rady (UE) 2016\/1011 z dnia 8 czerwca 2016 r. w sprawie indeks\u00f3w stosowanych jako wska\u017aniki referencyjne w instrumentach finansowych i umowach finansowych lub do pomiaru wynik\u00f3w funduszy inwestycyjnych i zmieniaj\u0105ce dyrektywy 2008\/48\/WE i 2014\/17\/UE oraz rozporz\u0105dzenie (UE) nr 596\/2014 od 2018 roku na bankach spoczywa zdecydowanie bardziej obszerwny obowi\u0105zek informacyjny. Oznacza to mi\u0119dzy innymi, \u017ce umowy kredytowe powinny zawiera\u0107 tzw. klauzule awaryjne, kt\u00f3re umo\u017cliwi\u0105 bankom automatyczne zast\u0105pienie jednego wska\u017anika referencyjnego drugim, w sytuacji gdy ten pierwszy przestanie istnie\u0107. Aneksy te jednak nie maj\u0105 na ten moment uregulowanej konkretnej formy, a wi\u0119c niestety decyzja czy warto podpisa\u0107 aneks do umowy kredytu hipotecznego zale\u017ce\u0107 b\u0119dzie od tre\u015bci umowy oraz tre\u015bci proponowanego aneksu.<\/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>W ostatnim czasie kredytobiorcom coraz cz\u0119\u015bciej proponuje si\u0119 podpisanie aneks\u00f3w odsy\u0142aj\u0105cych do wska\u017anika WIBOR. Jakie taki aneks wywo\u0142uje konsekwencje? Niepodpisany, nie wywo\u0142uje \u017cadnych, podpisany natomiast, niestety mo\u017ce wp\u0142yn\u0105\u0107 Pa\u0144stwa spraw\u0119. Likwidacja wska\u017anika WIBOR to najnowsze rozwi\u0105zanie rz\u0105dowej pomocy dla os\u00f3b sp\u0142acaj\u0105cych kredyty hipoteczne (tarcza antykryzysowa dla kredytobiorc\u00f3w). Wska\u017anik maj\u0105cy zast\u0105pi\u0107 WIBOR, pono\u0107 b\u0119dzie ni\u017cszy od &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.legallex.pl\/?p=1584\"> <span class=\"screen-reader-text\">Czy podpisa\u0107 aneks WIBOR?<\/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-1584","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>Czy podpisa\u0107 aneks WIBOR? - 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=1584\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Czy podpisa\u0107 aneks WIBOR? - Legallex\" \/>\n<meta property=\"og:description\" content=\"W ostatnim czasie kredytobiorcom coraz cz\u0119\u015bciej proponuje si\u0119 podpisanie aneks\u00f3w odsy\u0142aj\u0105cych do wska\u017anika WIBOR. Jakie taki aneks wywo\u0142uje konsekwencje? Niepodpisany, nie wywo\u0142uje \u017cadnych, podpisany natomiast, niestety mo\u017ce wp\u0142yn\u0105\u0107 Pa\u0144stwa spraw\u0119. Likwidacja wska\u017anika WIBOR to najnowsze rozwi\u0105zanie rz\u0105dowej pomocy dla os\u00f3b sp\u0142acaj\u0105cych kredyty hipoteczne (tarcza antykryzysowa dla kredytobiorc\u00f3w). Wska\u017anik maj\u0105cy zast\u0105pi\u0107 WIBOR, pono\u0107 b\u0119dzie ni\u017cszy od &hellip; Czy podpisa\u0107 aneks WIBOR? Read More &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.legallex.pl\/?p=1584\" \/>\n<meta property=\"og:site_name\" content=\"Legallex\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-20T10:44:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-20T10:49:44+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Konrad\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.legallex.pl\/#organization\",\"name\":\"Legallex\",\"url\":\"https:\/\/www.legallex.pl\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.legallex.pl\/#logo\",\"inLanguage\":\"pl-PL\",\"url\":\"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png\",\"contentUrl\":\"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png\",\"width\":2096,\"height\":1298,\"caption\":\"Legallex\"},\"image\":{\"@id\":\"https:\/\/www.legallex.pl\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.legallex.pl\/#website\",\"url\":\"https:\/\/www.legallex.pl\/\",\"name\":\"Legallex\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.legallex.pl\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.legallex.pl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#webpage\",\"url\":\"https:\/\/www.legallex.pl\/?p=1584\",\"name\":\"Czy podpisa\u0107 aneks WIBOR? - Legallex\",\"isPartOf\":{\"@id\":\"https:\/\/www.legallex.pl\/#website\"},\"datePublished\":\"2023-04-20T10:44:19+00:00\",\"dateModified\":\"2023-04-20T10:49:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.legallex.pl\/?p=1584\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\/\/www.legallex.pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Czy podpisa\u0107 aneks WIBOR?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#webpage\"},\"author\":{\"@id\":\"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87\"},\"headline\":\"Czy podpisa\u0107 aneks WIBOR?\",\"datePublished\":\"2023-04-20T10:44:19+00:00\",\"dateModified\":\"2023-04-20T10:49:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.legallex.pl\/?p=1584#webpage\"},\"wordCount\":400,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.legallex.pl\/#organization\"},\"articleSection\":[\"Kredyty CHF\",\"Publikacje\"],\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.legallex.pl\/?p=1584#respond\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87\",\"name\":\"Konrad\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.legallex.pl\/#personlogo\",\"inLanguage\":\"pl-PL\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g\",\"caption\":\"Konrad\"},\"url\":\"https:\/\/www.legallex.pl\/?author=3\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Czy podpisa\u0107 aneks WIBOR? - Legallex","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.legallex.pl\/?p=1584","og_locale":"pl_PL","og_type":"article","og_title":"Czy podpisa\u0107 aneks WIBOR? - Legallex","og_description":"W ostatnim czasie kredytobiorcom coraz cz\u0119\u015bciej proponuje si\u0119 podpisanie aneks\u00f3w odsy\u0142aj\u0105cych do wska\u017anika WIBOR. Jakie taki aneks wywo\u0142uje konsekwencje? Niepodpisany, nie wywo\u0142uje \u017cadnych, podpisany natomiast, niestety mo\u017ce wp\u0142yn\u0105\u0107 Pa\u0144stwa spraw\u0119. Likwidacja wska\u017anika WIBOR to najnowsze rozwi\u0105zanie rz\u0105dowej pomocy dla os\u00f3b sp\u0142acaj\u0105cych kredyty hipoteczne (tarcza antykryzysowa dla kredytobiorc\u00f3w). Wska\u017anik maj\u0105cy zast\u0105pi\u0107 WIBOR, pono\u0107 b\u0119dzie ni\u017cszy od &hellip; Czy podpisa\u0107 aneks WIBOR? Read More &raquo;","og_url":"https:\/\/www.legallex.pl\/?p=1584","og_site_name":"Legallex","article_published_time":"2023-04-20T10:44:19+00:00","article_modified_time":"2023-04-20T10:49:44+00:00","twitter_card":"summary_large_image","twitter_misc":{"Napisane przez":"Konrad","Szacowany czas czytania":"2 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/www.legallex.pl\/#organization","name":"Legallex","url":"https:\/\/www.legallex.pl\/","sameAs":[],"logo":{"@type":"ImageObject","@id":"https:\/\/www.legallex.pl\/#logo","inLanguage":"pl-PL","url":"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png","contentUrl":"http:\/\/www.legallex.pl\/wp-content\/uploads\/2022\/01\/logo-LEGALLEX.png","width":2096,"height":1298,"caption":"Legallex"},"image":{"@id":"https:\/\/www.legallex.pl\/#logo"}},{"@type":"WebSite","@id":"https:\/\/www.legallex.pl\/#website","url":"https:\/\/www.legallex.pl\/","name":"Legallex","description":"","publisher":{"@id":"https:\/\/www.legallex.pl\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.legallex.pl\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"pl-PL"},{"@type":"WebPage","@id":"https:\/\/www.legallex.pl\/?p=1584#webpage","url":"https:\/\/www.legallex.pl\/?p=1584","name":"Czy podpisa\u0107 aneks WIBOR? - Legallex","isPartOf":{"@id":"https:\/\/www.legallex.pl\/#website"},"datePublished":"2023-04-20T10:44:19+00:00","dateModified":"2023-04-20T10:49:44+00:00","breadcrumb":{"@id":"https:\/\/www.legallex.pl\/?p=1584#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.legallex.pl\/?p=1584"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.legallex.pl\/?p=1584#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/www.legallex.pl\/"},{"@type":"ListItem","position":2,"name":"Czy podpisa\u0107 aneks WIBOR?"}]},{"@type":"Article","@id":"https:\/\/www.legallex.pl\/?p=1584#article","isPartOf":{"@id":"https:\/\/www.legallex.pl\/?p=1584#webpage"},"author":{"@id":"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87"},"headline":"Czy podpisa\u0107 aneks WIBOR?","datePublished":"2023-04-20T10:44:19+00:00","dateModified":"2023-04-20T10:49:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.legallex.pl\/?p=1584#webpage"},"wordCount":400,"commentCount":0,"publisher":{"@id":"https:\/\/www.legallex.pl\/#organization"},"articleSection":["Kredyty CHF","Publikacje"],"inLanguage":"pl-PL","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.legallex.pl\/?p=1584#respond"]}]},{"@type":"Person","@id":"https:\/\/www.legallex.pl\/#\/schema\/person\/f52a110f365b928e0259b9f2c57cab87","name":"Konrad","image":{"@type":"ImageObject","@id":"https:\/\/www.legallex.pl\/#personlogo","inLanguage":"pl-PL","url":"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9727a1ee56239a15de37299403373196deec7ea930343bbe58ff86ca867fa9dc?s=96&d=mm&r=g","caption":"Konrad"},"url":"https:\/\/www.legallex.pl\/?author=3"}]}},"_links":{"self":[{"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/posts\/1584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1584"}],"version-history":[{"count":4,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/posts\/1584\/revisions"}],"predecessor-version":[{"id":1588,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=\/wp\/v2\/posts\/1584\/revisions\/1588"}],"wp:attachment":[{"href":"https:\/\/www.legallex.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.legallex.pl\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}