{"id":1803,"date":"2023-05-09T13:04:49","date_gmt":"2023-05-09T12:04:49","guid":{"rendered":"https:\/\/www.legallex.pl\/?p=1803"},"modified":"2023-05-09T13:21:29","modified_gmt":"2023-05-09T12:21:29","slug":"czym-jest-wskaznik-wibor-2","status":"publish","type":"post","link":"https:\/\/www.legallex.pl\/?p=1803&lang=en","title":{"rendered":"Czym jest wska\u017anik WIBOR?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1803\" class=\"elementor elementor-1803\" 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-92bb4a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"92bb4a9\" 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-b814f64\" data-id=\"b814f64\" 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-aee9790 elementor-widget elementor-widget-text-editor\" data-id=\"aee9790\" 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>Enigmatycznie brzmi\u0105cy wska\u017anik WIBOR (Warsaw Interbank Offer Rate) to referencyjna wysoko\u015b\u0107 oprocentowania po\u017cyczek na polskim rynku mi\u0119dzybankowym, innymi s\u0142owy oznacza to wysoko\u015b\u0107 oprocentowania, po jakiej banki po\u017cyczaj\u0105 sobie pieni\u0105dze. WIBOR jest to \u015brednia arytmetyczna deklarowanych przez najwi\u0119ksze banki dzia\u0142aj\u0105ce w Polsce wielko\u015bci oprocentowania obliczona po wyeliminowaniu wielko\u015bci skrajnych. WIBOR ustalany jest codziennie, tj. w ka\u017cdy dzie\u0144 roboczy o godzinie 11:00.<\/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-2c388c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c388c7\" 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-f4d3fae\" data-id=\"f4d3fae\" 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-7173d75 elementor-widget elementor-widget-text-editor\" data-id=\"7173d75\" 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>Wska\u017anik WIBOR jest niezwykle wa\u017cny dla kredytobiorc\u00f3w, poniewa\u017c stanowi jedn\u0105 z podstaw wyliczenia oprocentowania kredyt\u00f3w, a w konsekwencji rat kredytu o zmiennej stopie procentowej. Znacznie pogorszona od 2022 roku sytuacja kredytobiorc\u00f3w, zainicjowa\u0142a rozwa\u017cania jaki wcze\u015bniej czynili frankowicze, odno\u015bnie op\u0142acalno\u015bci usuni\u0119cia WIBOR z umowy kredytowej przechodz\u0105c na sta\u0142e oprocentowanie albo sk\u0142adaj\u0105c pozew kwestionuj\u0105c WIBOR.<\/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-9a9dca3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a9dca3\" 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-eacb560\" data-id=\"eacb560\" 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-457f1e6 elementor-widget elementor-widget-heading\" data-id=\"457f1e6\" 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\">Podzia\u0142 wska\u017anika WIBOR \u2013 WIBOR 3M i WIBOR 6M.\n<\/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-8d1ed04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d1ed04\" 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-9039cab\" data-id=\"9039cab\" 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-6e2112e elementor-widget elementor-widget-text-editor\" data-id=\"6e2112e\" 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>Wska\u017anik WIBOR 3M<\/strong> okre\u015bla wysoko\u015b\u0107 oprocentowania kredyt\u00f3w i po\u017cyczek na rynku na kr\u00f3tki okres (3 miesi\u0119cy), wi\u0119c wysoko\u015b\u0107 raty kredytowej aktualizowana jest raz na kwarta\u0142.<\/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-480a336 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"480a336\" 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-a4fa450\" data-id=\"a4fa450\" 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-6576e51 elementor-widget elementor-widget-text-editor\" data-id=\"6576e51\" 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>Analogicznie, <strong>wska\u017anik WIBOR 6M<\/strong> okre\u015bla wysoko\u015b\u0107 oprocentowania kredyt\u00f3w i po\u017cyczek udzielanych mi\u0119dzy bankami na okres 6 miesi\u0119cy, a co za tym idzie wysoko\u015b\u0107 raty kredytowej b\u0119dzie zmienia\u0107 si\u0119 raz na p\u00f3\u0142 roku.<\/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-97f83ca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97f83ca\" 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-58c8895\" data-id=\"58c8895\" 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-50ef8b3 elementor-widget elementor-widget-text-editor\" data-id=\"50ef8b3\" 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>WIBOR 6M wed\u0142ug danych na dzie\u0144 5 stycznia 2023 roku wynosi 7,12%, a<strong> WIBOR 3M<\/strong> wyni\u00f3s\u0142 7,0%.<\/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-7cfc5ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cfc5ce\" 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-fe4339a\" data-id=\"fe4339a\" 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-dc692ab elementor-widget elementor-widget-heading\" data-id=\"dc692ab\" 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 istnieje mo\u017cliwo\u015b\u0107 pozwania banku za 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-8ccb1f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ccb1f5\" 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-dd24891\" data-id=\"dd24891\" 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-bf9847d elementor-widget elementor-widget-text-editor\" data-id=\"bf9847d\" 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>Jest to kwestia, kt\u00f3rej polskie s\u0105dy bardzo cz\u0119sto przygl\u0105daj\u0105 si\u0119 w ostatnim czasie w kontek\u015bcie kredyt\u00f3w z\u0142ot\u00f3wkowych. WIBOR powinien by\u0107 ustalany w oparciu o dane faktyczne. By istnia\u0142a mo\u017cliwo\u015b\u0107 odniesienia si\u0119 do niego, konieczne jest, by by\u0142 wska\u017anikiem realnym, a nie wy\u0142\u0105cznie szacunkowym, o czym powiemy wi\u0119cej w kolejnym po\u015bcie. Skr\u00f3towo m\u00f3wi\u0105c, realne dzia\u0142ania s\u0105 niezgodne z unijnymi regulacjami, wi\u0119c zakwestionowanie umowy kredytu z\u0142otowego w procesie na tej podstawie jak najbardziej ma racj\u0119 bytu i daje mo\u017cliwo\u015b\u0107 potencjalnego uniewa\u017cnienia umowy lub dalszego jej wykonywania bez wska\u017anika WIBOR.<\/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-e2d9770 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2d9770\" 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-7af3904\" data-id=\"7af3904\" 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-e8f24ee elementor-widget elementor-widget-text-editor\" data-id=\"e8f24ee\" 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>Kredytobiorcy cz\u0119sto zastanawiaj\u0105 si\u0119 czy w ich sytuacji odpowiednim rozwi\u0105zaniem b\u0119dzie pozew zbiorowy. Jest to rozwi\u0105zanie mo\u017cliwe, wprowadzone w 2010 roku, lecz niekoniecznie korzystnie b\u0119dzie wp\u0142ywa\u0142o na rozstrzygni\u0119cie. Po pierwsze z uwagi na fakt, i\u017c podstawa prawna oraz faktyczna roszcze\u0144 musi by\u0107 identyczna, co najpierw s\u0105d musi zbada\u0107 by sprawdzi\u0107 dopuszczalno\u015b\u0107 tego rodzaju formy pow\u00f3dztwa. Kolejnym argumentem przeciw jest czas oczekiwania na rozwi\u0105zanie. Z uwagi na bardzo obszerne akta spotykane w przypadku pozw\u00f3w grupowych, mo\u017cemy spodziewa\u0107 si\u0119 niekorzystnego tempa rozstrzygania sprawy.<\/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>Enigmatycznie brzmi\u0105cy wska\u017anik WIBOR (Warsaw Interbank Offer Rate) to referencyjna wysoko\u015b\u0107 oprocentowania po\u017cyczek na polskim rynku mi\u0119dzybankowym, innymi s\u0142owy oznacza to wysoko\u015b\u0107 oprocentowania, po jakiej banki po\u017cyczaj\u0105 sobie pieni\u0105dze. WIBOR jest to \u015brednia arytmetyczna deklarowanych przez najwi\u0119ksze banki dzia\u0142aj\u0105ce w Polsce wielko\u015bci oprocentowania obliczona po wyeliminowaniu wielko\u015bci skrajnych. WIBOR ustalany jest codziennie, tj. w ka\u017cdy &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.legallex.pl\/?p=1803&#038;lang=en\"> <span class=\"screen-reader-text\">Czym jest wska\u017anik WIBOR?<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"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":[50,48],"tags":[],"class_list":["post-1803","post","type-post","status-publish","format-standard","hentry","category-kredyty-chf","category-publikacje-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Czym jest wska\u017anik 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=1803&#038;lang=en\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Czym jest wska\u017anik WIBOR? - Legallex\" \/>\n<meta property=\"og:description\" content=\"Enigmatycznie brzmi\u0105cy wska\u017anik WIBOR (Warsaw Interbank Offer Rate) to referencyjna wysoko\u015b\u0107 oprocentowania po\u017cyczek na polskim rynku mi\u0119dzybankowym, innymi s\u0142owy oznacza to wysoko\u015b\u0107 oprocentowania, po jakiej banki po\u017cyczaj\u0105 sobie pieni\u0105dze. WIBOR jest to \u015brednia arytmetyczna deklarowanych przez najwi\u0119ksze banki dzia\u0142aj\u0105ce w Polsce wielko\u015bci oprocentowania obliczona po wyeliminowaniu wielko\u015bci skrajnych. WIBOR ustalany jest codziennie, tj. w ka\u017cdy &hellip; Czym jest wska\u017anik WIBOR? 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