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ZAGREB - Despite bringing down interest rates, monthly payments on loans in Swiss many are unbearably high. From 2006 until today, the franc has risen from 4.8 to 6.4 rate, then a third, and so have increased the rate and loan. They have become unbearably high, and on all sides form associations to protect citizens from the growth of the exchange rate of the Swiss franc, seek help from the state and are considering whether to sue the bank for fraud.
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You can extend the repayment term and thus reduce the monthly installment, you can convert balai vapeur clean up the loan into euros by paying various fees, you can sell the apartment and pay back the loan or tell the bank let you take the flat back because he can no longer perform. But in this case you will eventually bank probably remain bound because property prices balai vapeur clean up have fallen in recent years, so the apartment is now worth perhaps twenty percent less than at the time of raising balai vapeur clean up loans.
Do you sell your own apartment, you must obtain a permit bank that has entered balai vapeur clean up the mortgage, and the bank will approve the action if the closed financial structures, so if this sale will get all the debt amount. In the case of the debt is uncovered, the borrower balai vapeur clean up may return it to the new loan.
If you let the bank sell the apartment, she will leave that job to the court that the apartment for the auction, so it is almost balai vapeur clean up certain that he would be sold below market value. In this case, we are told in banking circles, the bank will be part of a loan that can not be paid from the sale of the apartment balai vapeur clean up have to charge balai vapeur clean up other collateral, such as life insurance, the guarantors balai vapeur clean up and co-borrower or garnishment of wages part in foreclosure.
Sale of flats is always a last resort because it is not a good solution either for the debtor, who remains free your home, even for a creditor who can not be one hundred percent sure that it will collect all debts. Therefore, consumer organizations recommend that citizens in agreement with a bank try to find another balai vapeur clean up solution, such as the conversion of loans from the Swiss into euros or postponed repayment. Although in both cases the financial likely be at a loss, will keep at least a roof over their heads.
- It is better to repay the loan with lower rates, and for a longer period of time, although you will probably eventually go back more than stay on the street. Citizens should certainly avoid 'loans with traffic lights', that is usurious, because it would open the gates of hell - warns Elijah Rkman from consumer associations. It is estimated that due to the strengthening balai vapeur clean up of the Swiss franc around 4,000 people have already gone bankrupt, in the year prior to the entry into force of the new law on personal bankruptcy. Their only hope that the Swiss franc to weaken the end of the year, as many analysts predict persistent. Linked
No matter how far suffered because of the growth course balai vapeur clean up the Swiss debtors in that currency are still better than those who went indexed in euros. In one bank, calculated us that whoever among them 10 January balai vapeur clean up 2006 raised balai vapeur clean up the housing loan in 30 years in the amount of one hundred thousand euros or, at the then rate of exchange, 153,531 Swiss Francs, so far repaid 280,435 kuna. We paid 15,000 less
Anyone who is on the same day took the same amount of loans indexed to the euro, has so far repaid 295,400 kuna. Thus, the loan in euros in the previous payments of 14,965 kunas was expensive! The reason for the significantly lower interest rates for which are many and took out loans in Swiss francs, despite warnings that it is very uncertain because of a possible rise in the exchange rate.
Recently, well-informed HNS Radimir Cacic said that banks earn on the franc because they borrowed in euros. Banks, however, the Swiss do not currently earn, and moreover balai vapeur clean up these troubling increase in the exchange rate. Kuna income
As explained by the banks, that would give loans in Swiss francs, themselves had to borrow in that currency because they have to keep an eye on currency matching of assets and liabilities. So, if you give out loans in Swiss in its currency portfolio must also have svicarce. And how savings accounts in Swiss francs is not particularly present in Croatia, the banks in the European market, either directly or through their parent banks, borrowed in Swiss francs. Frank should be returned, which means that its HRK income must also be at the high exchange rate of change in the franc.
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