{"id":3162,"date":"2021-07-28T13:32:15","date_gmt":"2021-07-28T13:32:15","guid":{"rendered":"https:\/\/forystek.pl\/?p=3162"},"modified":"2021-07-28T13:32:15","modified_gmt":"2021-07-28T13:32:15","slug":"niewaznosc-kredytu-zlotowego","status":"publish","type":"post","link":"https:\/\/forystek.pl\/en\/wszystkie-aktualnosci\/niewaznosc-kredytu-zlotowego\/","title":{"rendered":"Niewa\u017cno\u015b\u0107 kredytu z\u0142otowego"},"content":{"rendered":"<p>Zarzut niewa\u017cno\u015bci jest uwzgl\u0119dniany tak\u017ce w stosunku do um\u00f3w kredytu hipotecznego, wobec kt\u00f3rych nie ma \u017cadnych w\u0105tpliwo\u015bci, \u017ce s\u0105 kredytami udzielonymi i sp\u0142acanymi w polskich z\u0142otych. Dotychczas mog\u0142o si\u0119 wydawa\u0107, \u017ce zarzut ten dotyczy wy\u0142\u0105cznie kredyt\u00f3w frankowych i um\u00f3w indeksowych lub denominowanych do franka szwajcarskiego.<\/p>\n<p>&nbsp;<\/p>\n<p>W wyroku S\u0105du Rejonowego dla Warszawy &#8211; Mokotowa w Warszawie z dnia 8 lipca 2021 roku (sygnatura akt XVI C 3421\/16) S\u0105d ustali\u0142, \u017ce umowa kredytu hipotecznego, zaci\u0105gni\u0119tego w z\u0142ot\u00f3wkach jest <strong>niewa\u017cna w ca\u0142o\u015bci<\/strong> i <strong>zas\u0105dzi\u0142<\/strong> od kredytodawcy \u2013 banku PKO BP na rzecz kredytobiorc\u00f3w <strong>&#8211; zwrot wszystkich dokonanych wp\u0142at<\/strong>. Wyrok stwierdzaj\u0105cy niewa\u017cno\u015b\u0107 umowy kredytu oznacza, \u017ce umowa kredytu by\u0142a od samego pocz\u0105tku niewa\u017cna, zatem strony musz\u0105 zwr\u00f3ci\u0107 sobie wzajemnie to co sobie nawzajem \u015bwiadczy\u0142y wobec odpadni\u0119cia podstawy prawnej \u015bwiadczenia. Skutek orzeczenia jest zatem taki sam jak niejednokrotnie wobec przedstawionych do oceny S\u0105du um\u00f3w o kredyt frankowy.<\/p>\n<p>Sprawa dotyczy\u0142a kredytu hipotecznego oferowanego przez bank PKO BP w latach 90. jako kredyt \u201eAlicja\u201d. Oferta banku by\u0142a bardzo korzystna z uwagi na niskie raty, jednak spos\u00f3b ich umownego ustalenia i ustalenia wysoko\u015bci oprocentowania kredytu powodowa\u0142, \u017ce nieznany by\u0142 okres sp\u0142aty kredytu. W pierwszej kolejno\u015bci kredytobiorcy sp\u0142acali wy\u0142\u0105cznie raty odsetkowe w cz\u0119\u015bci, pozosta\u0142a cz\u0119\u015b\u0107 niesp\u0142aconej raty odsetkowej powi\u0119ksza\u0142a saldo kredytu i zarazem wyd\u0142u\u017ca\u0142a okres sp\u0142aty zobowi\u0105zania. Tak ukszta\u0142towana umowa kredytu mo\u017ce rodzi\u0107 uzasadnione obawy pod k\u0105tem naruszenie przepis\u00f3w prawa bankowego.<\/p>\n<p>&nbsp;<\/p>\n<p>Zach\u0119camy o kontaktu w przypadku w\u0105tpliwo\u015bci dotycz\u0105cych um\u00f3w kredytowych.<\/p>\n<p>&nbsp;<\/p>\n<p>adw. Krzysztof Jamrozik<\/p>\n<p><a href=\"mailto:kr****************@******ek.pl\" data-original-string=\"kN0LvuTJbsp2r18xenG6Hw==28b5Gf3Sl3HMvJy0tWnM1CTSbBUD59o5P4YO1e8460MDW0=\" title=\"This contact has been encoded by Anti-Spam by CleanTalk. Click to decode. To finish the decoding make sure that JavaScript is enabled in your browser.\"><span \n                data-original-string='CdBTO\/JWt6v+oMV3bqOrlQ==28b4T5dRmaMC5YeIUN+XwtgqvZXShZ9+o7Nk0fnzSdSKpg='\n                class='apbct-email-encoder'\n                title='This contact has been encoded by Anti-Spam by CleanTalk. Click to decode. To finish the decoding make sure that JavaScript is enabled in your browser.'>kr<span class=\"apbct-blur\">****************<\/span>@<span class=\"apbct-blur\">******<\/span>ek.pl<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Zarzut niewa\u017cno\u015bci jest uwzgl\u0119dniany tak\u017ce w stosunku do um\u00f3w kredytu hipotecznego, wobec kt\u00f3rych nie ma \u017cadnych w\u0105tpliwo\u015bci, \u017ce s\u0105 kredytami udzielonymi i sp\u0142acanymi w polskich z\u0142otych. Dotychczas mog\u0142o si\u0119 wydawa\u0107, \u017ce zarzut ten dotyczy wy\u0142\u0105cznie kredyt\u00f3w frankowych i um\u00f3w indeksowych lub denominowanych do franka szwajcarskiego. &nbsp; W wyroku S\u0105du Rejonowego dla Warszawy &#8211; Mokotowa w [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[16,4,27],"tags":[],"class_list":["post-3162","post","type-post","status-publish","format-standard","hentry","category-kredyty-frankowe","category-wszystkie-aktualnosci","category-wszystkie-blogi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Niewa\u017cno\u015b\u0107 kredytu z\u0142otowego - Kancelaria Prawna Forystek &amp; Partnerzy<\/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:\/\/forystek.pl\/en\/wszystkie-aktualnosci\/niewaznosc-kredytu-zlotowego\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Niewa\u017cno\u015b\u0107 kredytu z\u0142otowego - Kancelaria Prawna Forystek &amp; Partnerzy\" \/>\n<meta property=\"og:description\" content=\"Zarzut niewa\u017cno\u015bci jest uwzgl\u0119dniany tak\u017ce w stosunku do um\u00f3w kredytu hipotecznego, wobec kt\u00f3rych nie ma \u017cadnych w\u0105tpliwo\u015bci, \u017ce s\u0105 kredytami udzielonymi i sp\u0142acanymi w polskich z\u0142otych. Dotychczas mog\u0142o si\u0119 wydawa\u0107, \u017ce zarzut ten dotyczy wy\u0142\u0105cznie kredyt\u00f3w frankowych i um\u00f3w indeksowych lub denominowanych do franka szwajcarskiego. &nbsp; W wyroku S\u0105du Rejonowego dla Warszawy &#8211; Mokotowa w [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/forystek.pl\/en\/wszystkie-aktualnosci\/niewaznosc-kredytu-zlotowego\/\" \/>\n<meta property=\"og:site_name\" content=\"Kancelaria Prawna Forystek &amp; Partnerzy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100057147772188\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-28T13:32:15+00:00\" \/>\n<meta name=\"author\" content=\"Kinga Plezia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kinga Plezia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/forystek.pl\\\/en\\\/wszystkie-aktualnosci\\\/niewaznosc-kredytu-zlotowego\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/forystek.pl\\\/en\\\/wszystkie-aktualnosci\\\/niewaznosc-kredytu-zlotowego\\\/\"},\"author\":{\"name\":\"Kinga Plezia\",\"@id\":\"https:\\\/\\\/forystek.pl\\\/#\\\/schema\\\/person\\\/748d24988baeabdd0752fcd20c5571d6\"},\"headline\":\"Niewa\u017cno\u015b\u0107 kredytu z\u0142otowego\",\"datePublished\":\"2021-07-28T13:32:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/forystek.pl\\\/en\\\/wszystkie-aktualnosci\\\/niewaznosc-kredytu-zlotowego\\\/\"},\"wordCount\":304,\"publisher\":{\"@id\":\"https:\\\/\\\/forystek.pl\\\/#organization\"},\"articleSection\":[\"Kredyty frankowe\",\"Wszystkie aktualno\u015bci\",\"Wszystkie blogi\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/forystek.pl\\\/en\\\/wszystkie-aktualnosci\\\/niewaznosc-kredytu-zlotowego\\\/\",\"url\":\"https:\\\/\\\/forystek.pl\\\/en\\\/wszystkie-aktualnosci\\\/niewaznosc-kredytu-zlotowego\\\/\",\"name\":\"Niewa\u017cno\u015b\u0107 kredytu z\u0142otowego - Kancelaria Prawna Forystek &amp; 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