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Kredyt we frankach czy w złotych - co wybrać teraz? - Forum, Opinie, Oceny
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Wątek: Kredyt we frankach czy w złotych - co wybrać teraz?

  1. #1
    Onti
    Gość

    Kredyt we frankach czy w złotych - co wybrać teraz?

    Witam!

    W związku ze zmianami jakie zachodzą w naszych bankach, mówi się że lepiej wziąść kredyt w złotych niż CHF. Nawet wtedy kiedy bank proponuje darmowe przewalutowanie w obie strony, bez ograniczeń. (np. PKO)
    Czy znajdzie się ktoś kto zna się na giełdach, i potrafi powiedzieć czy frank utrzyma się na obecnym lub przybliżonym poziomie?
    Jaki bardzo może zmienić się jego kurs?

    Andrzej

  2. #2
    Doradcy
    Gość

    Wady i zalety obu kredytów

    Kredyt w CHF
    Zalety
    -Na plus masz oprocentowanie okolo 2% (libor plus marza banku)
    co daje nizsza rata

    Wady
    - wrazliwy na zmiany kursu zlotowki
    - splata raty polega na kupieniu CHF zwykle po cenie niekorzystnej

    Kredyt w PLN
    Zalety
    - nie interesuje mnie czy zlotowka jest mocna czy slaba
    Wady
    - oprocentowanie okolo 5% (wibor 4 + marza okolo 1%) wiec wyzsza rata

    Ogolnie stopy procentowe w CHF rosną i niewykluczone, ze w
    ciagu roku dwóch zblizą sie do nawet do 2.5% zamiast 1 i coś teraz.
    Oprocentowanie bedzie wyzsze. Pytanie czy tendencja obnizania stop
    procentowych w PLN sie utrzyma, czy na skutek dzialan premiera leppera i jego kolesi ruszy inflacja albo zlotówka tak bardzo oslabnie ze nbp podniesie stopy
    procentowe.

    Jesli kredyt ma trwac kolo 10 lat, to bym bral w PLN bez zastanowienia.
    Jesli na dluzej, to mozna rozwazac CHF.

    Pozdr

  3. #3
    Niezarejestrowany
    Gość

    w chf wrato brac na gorkach

    Ogólnie kredyt w CHF oplaca sie wziac gdy kurs CHF/PLN jest wysoki jak teraz. Kurs na
    dzis to 2,4 i prognoza podwyzszenia stup procentowych skutkowac bedzie
    wzrostem kursu i wskaznika LIBOR. W rezultacie moze okazac sie ze po roku
    splacania kredytu bedzie do splacenia niz na poczatku.

    Jednak jak dokladnie w przyszlosci utrzyma swoj kurs CHF tego nikt nie moze przewidziec.

  4. #4
    kokilka
    kokilka jest nieaktywny
    Junior Member
    Dołączył
    Nov 2013
    Posty
    15
    No właśnie najgorsze jest to, że frank nie jest pewną walutą. Jak już raz się zdarzyło - wywinął niezły numer i ludzie mieli do spłacania dwa razy więcej kredytu niż wzięli... ja radziłabym jednak złotówki - bezpieczniejsza opcja

  5. #5
    andrzejek
    andrzejek jest nieaktywny
    Junior Member
    Dołączył
    Dec 2013
    Posty
    25
    Przy takim wyborze, to ja na pewno zdecydowałbym się na złotówki. Czy ludzie po poprzednich wydarzeniach z frankiem jeszcze nie doszli do żadnych wniosków? Przecież to jest niestabilna waluta, jak znowu spadnie to znowu będą się ludzie z mostów rzucać....

  6. #6
    Calineczka
    Calineczka jest nieaktywny
    Junior Member
    Dołączył
    Mar 2014
    Posty
    15
    NIGDY WIĘCEJ żadnych kredytów we frankach, moja siostra 5 lat temu zaciągnęła kredyt we frankach teraz ani nie może sprzedać mieszkania ani nic z tym zrobić, bo raty tego kredytu wzrosły jej dwukrotnie.

  7. #7
    Suzanna
    Suzanna jest nieaktywny
    Junior Member
    Dołączył
    Mar 2014
    Posty
    20
    Nie wierzę, że po takich aferach i szeroko omawianych problemach jakie mają teraz ludzie z kredytami zaciągniętymi we frankach jeszcze ktoś się zastanawia czy złoty czy frank...

  8. #8
    oszczędnicka
    oszczędnicka jest nieaktywny
    Junior Member
    Dołączył
    Feb 2018
    Posty
    27
    Też mnie to dziwi. Dla mnie to niemalże oczywiste, że kredyt się bierze w walucie, w której się zarabia.

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