{"id":5,"date":"2015-05-14T12:00:15","date_gmt":"2015-05-14T10:00:15","guid":{"rendered":"http:\/\/challenger.org.pl\/?p=1"},"modified":"2016-06-05T22:11:02","modified_gmt":"2016-06-05T20:11:02","slug":"1-test-nazwa","status":"publish","type":"post","link":"https:\/\/challenger.ue.poznan.pl\/index.php\/1-test-nazwa\/","title":{"rendered":"Czy Polsce grozi kryzys bankowy?"},"content":{"rendered":"

Czy program „Rodzina na swoim” mo\u017ce by\u0107 \u017ar\u00f3d\u0142em kryzysu bankowego w Polsce w najbli\u017cszych latach?<\/p>\n

\"wykres_challenger_1\"<\/a><\/p>\n

Program stosowany w latach 2007-2013 polega\u0142 na wspieraniu przez pa\u0144stwo zakupu mieszka\u0144 przez m\u0142ode polskie rodziny. Bud\u017cet pa\u0144stwa dop\u0142aca\u0142 do miesi\u0119cznej raty kwot\u0119 stanowi\u0105c\u0105 r\u00f3wnowarto\u015bci po\u0142owy raty odsetkowej. Na tak\u0105 dop\u0142at\u0119 mo\u017cna by\u0142o liczy\u0107 przez 8 lat od chwili uruchomienia kredytu.<\/p>\n

W czym wi\u0119c problem? Ot\u00f3\u017c w ci\u0105gu najbli\u017cszych kilku lat wszystkim kredytobiorcom zako\u0144cz\u0105 si\u0119 dop\u0142aty z bud\u017cetu pa\u0144stwa. Oznacza to, \u017ce np. rodzinie z 30-letnim kredytem na 300.000 tys. wysoko\u015b\u0107 raty wzro\u015bnie o ok. 400 z\u0142, z 1000 z\u0142 do ponad 1400 z\u0142 miesi\u0119cznie (patrz wykres). To mo\u017ce oznacza\u0107, \u017ce wiele rodzin po prostu przestanie te kredyty sp\u0142aca\u0107. Pami\u0119tajmy bowiem, \u017ce z programu „Rodzina na swoim” cz\u0119sto korzysta\u0142y rodziny o raczej przeci\u0119tnej zdolno\u015bci kredytowej (na pewno ni\u017cszej ni\u017c np. „frankowicze”).<\/p>\n

Co ciekawe, podobne zach\u0119ty dla kredytobiorc\u00f3w stosowano w USA na pocz\u0105tku XXI w., z tym\u017ce podmiotami kt\u00f3re stosowa\u0142y te zach\u0119ty by\u0142y same banki, a nie pa\u0144stwo. Tzw. „teaser rates” (w wolnym t\u0142umaczeniu: raty na zach\u0119t\u0119) pozwala\u0142y kredytobiorcom przez kilka pierwszych lat sp\u0142aca\u0107 ni\u017csze raty (bez odsetek lub z ni\u017cszym oprocentowaniem). Gdy jednak okres preferencyjnych rat si\u0119 zako\u0144czy\u0142, a zbieg\u0142o si\u0119 to w czasie z podwy\u017ck\u0105 st\u00f3p procentowych przez FED, raty niekt\u00f3rych rodzin wzros\u0142y nawet dwukrotnie. Kredytobiorcy przestali sp\u0142aca\u0107 kredyty hipoteczne, co by\u0142o jedn\u0105 z przyczyn kryzysu finansowego na \u015bwiecie w 2008 r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Czy program „Rodzina na swoim” mo\u017ce by\u0107 \u017ar\u00f3d\u0142em kryzysu bankowego w Polsce w najbli\u017cszych latach? Program stosowany w latach 2007-2013 polega\u0142 na wspieraniu przez pa\u0144stwo zakupu mieszka\u0144 przez m\u0142ode polskie rodziny. Bud\u017cet pa\u0144stwa dop\u0142aca\u0142...<\/p>\n","protected":false},"author":6,"featured_media":341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-5","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomia"],"yoast_head":"\nCzy Polsce grozi kryzys bankowy? - Challenger<\/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:\/\/challenger.ue.poznan.pl\/index.php\/1-test-nazwa\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Czy Polsce grozi kryzys bankowy? - Challenger\" \/>\n<meta property=\"og:description\" content=\"Czy program „Rodzina na swoim” mo\u017ce by\u0107 \u017ar\u00f3d\u0142em kryzysu bankowego w Polsce w najbli\u017cszych latach? 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