{"id":1805,"date":"2023-05-09T13:05:11","date_gmt":"2023-05-09T12:05:11","guid":{"rendered":"https:\/\/www.legallex.pl\/?p=1805"},"modified":"2023-05-09T13:20:59","modified_gmt":"2023-05-09T12:20:59","slug":"stopy-procentowe-w-2023-roku-2","status":"publish","type":"post","link":"https:\/\/www.legallex.pl\/?p=1805&lang=en","title":{"rendered":"Stopy procentowe w 2023 roku"},"content":{"rendered":"\t\t
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Wysoko\u015b\u0107 st\u00f3p procentowych jest wska\u017anikiem niezmiernie istotnym dla ka\u017cdego kredytobiorcy, poniewa\u017c bezpo\u015brednio wp\u0142ywa na wysoko\u015b\u0107 rat kredytowych. Po okresie rekordowo niskich st\u00f3p procentowych w 2021 roku, to znaczy za czas\u00f3w epidemii, raty znacz\u0105co wzros\u0142y w 2022 roku, jakie w takim razie s\u0105 prognozy na 2023 rok?<\/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

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Stopa procentowa jest to cena, kt\u00f3r\u0105 trzeba zap\u0142aci\u0107 za po\u017cyczenie pieni\u0105dza.<\/strong> Jej wysoko\u015b\u0107 przyczynia si\u0119 do koszt\u00f3w kredyt\u00f3w i depozyt\u00f3w, kt\u00f3re b\u0119dzie trzeba odda\u0107 do banku by powi\u0119kszy\u0107 swoje oszcz\u0119dno\u015bci. R\u00f3wnie\u017c stabilno\u015b\u0107 waluty zale\u017cy od ich poziomu, za kt\u00f3ry odpowiada Rada Polityki Pieni\u0119\u017cnej, tj. organ NBP.
Przed 2021 rokiem wysoko\u015b\u0107 st\u00f3p procentowych utrzymywa\u0142a si\u0119 na wzgl\u0119dnie stabilnym poziomie, lecz od czasu trwania pandemii COVID-19 i co za tym idzie krachu gospodarki, stopy procentowo by\u0142y nieraz kilkukrotnie obni\u017cane i podwy\u017cszane z uwagi na globalne warunki spo\u0142eczno-gospodarcze.
Ju\u017c w 2022 stopy procentowe, uwzgl\u0119dniaj\u0105ce przy obliczaniu odsetek stawk\u0119 WIBOR 3M, by\u0142y wysokie, lecz prognozy pokazuj\u0105, \u017ce w 2023 roku wcale nie b\u0119d\u0105 spada\u0107. Zdaniem ekonomist\u00f3w, w 2023 roku mog\u0142yby zapa\u015b\u0107 pierwsze decyzje o obni\u017ceniu st\u00f3p procentowych, lecz aby tak si\u0119 sta\u0142o, nale\u017cy zatrzyma\u0107 inflacyjn\u0105 tendencj\u0119 zwy\u017ckow\u0105, na co nie powinni\u015bmy liczy\u0107, chocia\u017cby z uwagi na planowane dwie podwy\u017cki wynagrodzenia w tym 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

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Wa\u017cn\u0105 wiadomo\u015bci\u0105 jest nadchodz\u0105ca zmiana odno\u015bnie um\u00f3w kredytowych. Wska\u017anik WIBOR ma zosta\u0107 zast\u0105piony nowym, ni\u017cszym nawet o 1,5-2%,<\/strong> co jednak, zdaniem ekonomist\u00f3w, niekoniecznie wp\u0142ynie na znaczne obni\u017cenie raty kredyt\u00f3w z uwagi na fakt, \u017ce nie jest to jedyny czynnik, od kt\u00f3rego ich wysoko\u015b\u0107 jest uzale\u017cniona.<\/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

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W takim razie, o jakiej wysoko\u015bci potencjalnych podwy\u017cek m\u00f3wimy? Jak dalej b\u0119d\u0105 prezentowa\u0107 si\u0119 stopy procentowe? Wed\u0142ug prognoz inflacja nadal b\u0119dzie ros\u0142a, a stopy procentowe nie zaczn\u0105 spada\u0107 je\u015bli osi\u0105gnie ona sw\u00f3j maksymalny poziom. Osoby sp\u0142acaj\u0105ce kredyt hipoteczny musz\u0105 liczy\u0107 si\u0119 ze wzrostem rat ju\u017c w kolejnych miesi\u0105cach. Spekuluj\u0105c, przyjmuj\u0105c wysoko\u015b\u0107 mar\u017cy kredytu hipotecznego na poziomie 2,3%, stawk\u0119 WIBOR 3M wynosz\u0105c\u0105 7,34% oraz oprocentowanie kredytu hipotecznego, kt\u00f3re wzros\u0142o do 8,75%, rata kredytu b\u0119dzie a\u017c o oko\u0142o 220 z\u0142 wy\u017csza dla po\u017cyczonych 100 000 z\u0142. Je\u017celi ju\u017c stopy mia\u0142yby ulec obni\u017ceniu, mo\u017ce to nast\u0105pi\u0107 dopiero pod koniec 2023 roku lub z pocz\u0105tkiem roku 2024.<\/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":"

Wysoko\u015b\u0107 st\u00f3p procentowych jest wska\u017anikiem niezmiernie istotnym dla ka\u017cdego kredytobiorcy, poniewa\u017c bezpo\u015brednio wp\u0142ywa na wysoko\u015b\u0107 rat kredytowych. Po okresie rekordowo niskich st\u00f3p procentowych w 2021 roku, to znaczy za czas\u00f3w epidemii, raty znacz\u0105co wzros\u0142y w 2022 roku, jakie w takim razie s\u0105 prognozy na 2023 rok? Stopa procentowa jest to cena, kt\u00f3r\u0105 trzeba zap\u0142aci\u0107 za …<\/p>\n

Stopy procentowe w 2023 roku<\/span> Read More »<\/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-1805","post","type-post","status-publish","format-standard","hentry","category-kredyty-chf","category-publikacje-en"],"yoast_head":"\nStopy procentowe w 2023 roku - 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=1805&lang=en\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stopy procentowe w 2023 roku - Legallex\" \/>\n<meta property=\"og:description\" content=\"Wysoko\u015b\u0107 st\u00f3p procentowych jest wska\u017anikiem niezmiernie istotnym dla ka\u017cdego kredytobiorcy, poniewa\u017c bezpo\u015brednio wp\u0142ywa na wysoko\u015b\u0107 rat kredytowych. 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