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Blog Maciej Samcika, dugoletniego economic journalist of Gazeta Wyborcza. About Finance maych and large. Mnstwo trivia about of money. Messages important for the home budget. Financial vietnam Tips and Reviews commercials financial institutions.
Each mortgage holder knows that buying nieruchonoci for poyczone the money is necessity given form some additional obowizkw. Entry in mortgage banking to ksig perpetual insurance policy, the need to submit annual information about the situation to the bank customer panties - just Some of them. The Bank has the right to check how much is worth a motionless or fully protects worth zacignitego loan.
Kopot in the fact that, unfortunately, not all customers are aware of the fact and the bank - poyczajc vietnam not OWN the money, but those KTRE zoyli in his counters depositors - have guarded their duty to the eye wgowie. Usually become vietnam in disputes with banks on the side klientw, but it happens up and so that customers behave as if they got the money from the bank as a gift, the bank did not have any rights to check whether the loan is well secured properly and sleep. Case, who describe in a moment, is a bit more zoony, but the root of the claim of the customer confusion vietnam these up in it.
You write to me Anetta from Warsaw: "In November 2008, together with ING nism podpisalimy vietnam agreement for a loan indexed rate of the Swiss franc. Zapoyczylimy up to 450,000 with, we had the rest of the rodkwwasnych vietnam (home price is 575 with 000). At the end of June this year (ie more than a year after signing the contract) the bank informed us that will be carried out during vietnam the inspection vietnam and niedugim will contact us majtkowy appraiser. Not given us any reason. In Pimia he found out only the information that in the basis of our credit agreement vietnam "bank will carry out verification of the OBLIGATIONS nieruchomoci state of the subject collateral credit commitment."
The agreement has absolutely no record, who sue the bank for inspections nieruchomoci so without any reason! The information is stored knows that we have a duty to sharing the real estate valuation for 90 days if you owe zpatnociami installments (not owe!), Possibly wwczas while drastically change s up nieruchomoci prices. Therefore Zoyam telephone complaints. Spytaam why is this inspection performed, simultaneously podyktowaam content dotyczcego point inspection. In response, citing the bank given by me point agreement. Therefore Wystosowaam drug complaints.
Before, we received a response to the first complaints - contact the us bank employee, who wanted to inform us about the date of the inspection. Dowiedzielimy up from him, the bank does not need us because inspection administration, moej do, when it deems appropriate, and we have no right to such inspections up not agree, vietnam because he and effect The solution to this will be a contract and having to repayment zaduenia within 7 days. When asked about the consequences of this inspection dowiedzielimy sure that the bank probably can give us extra security (not out of the question in the contract!)
We feel helpless and cornered. They want to infringe our privacy without any justification, nkaj and scare us, do not feel up to obowizku explains will justify anything. When zacigalimy credit, dostarczylimy to the bank all the documents, I never opnilimy up with repayments installments. Bank Moewe each time to find sposb to raise installment of my loan (up to heights barely osigalnej for me!) "- Mrs. Anetta ends.
C, indeed, at points of agreement REGARDING inspection there is no record, who sue the bank performed her without any reason. But on the other hand, spaces oglna guideline Financial Supervision Commission of ktrej shows that "the bank's liabilities will conduct a verification vietnam of the state of the subject security nieruchomoci vietnam credit commitment." Do wic bank przeprowdzajc once in a while inspections nieruchomoci, vietnam s credit agreement? And that behaves according to the logic? And whether his client threatened because of this that hazard? Opisywaem already in blog affairs conducted by rzeczoznawcw valuations nieruchomoci, KTRE wire right up to klientw vietnam not koczyy ...
The answer is not easy. Intuitively przyznabym're right bank. If checking vietnam the above measures do not have to nkania client, and how the agreement byby record - Choby imprecise, vietnam but lawful - Which one allows for such inspections from time to time, then the bank byby fair to the customer. vietnam However, if the bank does not take care to enter into a contract capacity for making periodic inspection and do not have any legal basis for such It runs (beyond ordinary human logic), the byoby worse.
Bank argues that in this case is clear. From his spokesman Pi
Blog Maciej Samcika, dugoletniego economic journalist of Gazeta Wyborcza. About Finance maych and large. Mnstwo trivia about of money. Messages important for the home budget. Financial vietnam Tips and Reviews commercials financial institutions.
Each mortgage holder knows that buying nieruchonoci for poyczone the money is necessity given form some additional obowizkw. Entry in mortgage banking to ksig perpetual insurance policy, the need to submit annual information about the situation to the bank customer panties - just Some of them. The Bank has the right to check how much is worth a motionless or fully protects worth zacignitego loan.
Kopot in the fact that, unfortunately, not all customers are aware of the fact and the bank - poyczajc vietnam not OWN the money, but those KTRE zoyli in his counters depositors - have guarded their duty to the eye wgowie. Usually become vietnam in disputes with banks on the side klientw, but it happens up and so that customers behave as if they got the money from the bank as a gift, the bank did not have any rights to check whether the loan is well secured properly and sleep. Case, who describe in a moment, is a bit more zoony, but the root of the claim of the customer confusion vietnam these up in it.
You write to me Anetta from Warsaw: "In November 2008, together with ING nism podpisalimy vietnam agreement for a loan indexed rate of the Swiss franc. Zapoyczylimy up to 450,000 with, we had the rest of the rodkwwasnych vietnam (home price is 575 with 000). At the end of June this year (ie more than a year after signing the contract) the bank informed us that will be carried out during vietnam the inspection vietnam and niedugim will contact us majtkowy appraiser. Not given us any reason. In Pimia he found out only the information that in the basis of our credit agreement vietnam "bank will carry out verification of the OBLIGATIONS nieruchomoci state of the subject collateral credit commitment."
The agreement has absolutely no record, who sue the bank for inspections nieruchomoci so without any reason! The information is stored knows that we have a duty to sharing the real estate valuation for 90 days if you owe zpatnociami installments (not owe!), Possibly wwczas while drastically change s up nieruchomoci prices. Therefore Zoyam telephone complaints. Spytaam why is this inspection performed, simultaneously podyktowaam content dotyczcego point inspection. In response, citing the bank given by me point agreement. Therefore Wystosowaam drug complaints.
Before, we received a response to the first complaints - contact the us bank employee, who wanted to inform us about the date of the inspection. Dowiedzielimy up from him, the bank does not need us because inspection administration, moej do, when it deems appropriate, and we have no right to such inspections up not agree, vietnam because he and effect The solution to this will be a contract and having to repayment zaduenia within 7 days. When asked about the consequences of this inspection dowiedzielimy sure that the bank probably can give us extra security (not out of the question in the contract!)
We feel helpless and cornered. They want to infringe our privacy without any justification, nkaj and scare us, do not feel up to obowizku explains will justify anything. When zacigalimy credit, dostarczylimy to the bank all the documents, I never opnilimy up with repayments installments. Bank Moewe each time to find sposb to raise installment of my loan (up to heights barely osigalnej for me!) "- Mrs. Anetta ends.
C, indeed, at points of agreement REGARDING inspection there is no record, who sue the bank performed her without any reason. But on the other hand, spaces oglna guideline Financial Supervision Commission of ktrej shows that "the bank's liabilities will conduct a verification vietnam of the state of the subject security nieruchomoci vietnam credit commitment." Do wic bank przeprowdzajc once in a while inspections nieruchomoci, vietnam s credit agreement? And that behaves according to the logic? And whether his client threatened because of this that hazard? Opisywaem already in blog affairs conducted by rzeczoznawcw valuations nieruchomoci, KTRE wire right up to klientw vietnam not koczyy ...
The answer is not easy. Intuitively przyznabym're right bank. If checking vietnam the above measures do not have to nkania client, and how the agreement byby record - Choby imprecise, vietnam but lawful - Which one allows for such inspections from time to time, then the bank byby fair to the customer. vietnam However, if the bank does not take care to enter into a contract capacity for making periodic inspection and do not have any legal basis for such It runs (beyond ordinary human logic), the byoby worse.
Bank argues that in this case is clear. From his spokesman Pi
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