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niedziela, 2 października 2022 21:14
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Kredytobiorców czekają zmiany? WIRD zamiast WIBOR

O tym, co to jest WIRD, czym różni się od WIBOR-u, jakie korzyści przyniesie kredytobiorcom i kiedy zostanie wprowadzony z ekspertem ds. kredytów Aleksandrą Gołębiowską z Notus Finanse S.A. rozmawia agent Północ Nieruchomości w Zamościu Tomasz Juszczak.
Kredytobiorców czekają zmiany? WIRD zamiast WIBOR

Tomasz Juszczak Agent Północ Nieruchomości Zamościu: Każdy, kto ma kredyt hipoteczny ze zmiennym oprocentowaniem, boleśnie doświadczył w ostatnim czasie wzrost wysokości raty. Dziś o oprocentowaniu kredytów decyduje WIBOR. Podobno ma go zastąpić WIRD. Czy możesz mi powiedzieć coś więcej na ten temat coś więcej? Co to dokładnie jest WIRD i dlaczego ma zastąpić WIBOR? 

Prace nad procesem wyznaczenia zamiennika WIBOR przewiduje ustawa z 7 lipca br. o finansowaniu społecznościowym dla przedsięwzięć gospodarczych i pomocy kredytobiorcom. Zgodnie z nią zamiennik WIBOR i data jego wprowadzenia zostaną ustalone rozporządzeniem. Do prac nad tym została powołana Narodowa Grupa Robocza. 2 września Komisja Nadzoru Finansowego poinformowała, że Komitet Sterujący Narodowej Grupy Roboczej wybrał indeks WIRD jako alternatywę dla WIBOR. Kolejnym krokiem będzie określenie harmonogramu działań mających na celu zastąpienie wskaźnika referencyjnego.

Jak WIRD wpłynie na wysokość rat kredytów hipotecznych?

WIRD to Warszawski Indeks Rynku Depozytowego – opracowywany na podstawie transakcji depozytowych zawieranych przez podmioty przekazujące dane z instytucjami finansowymi oraz z dużymi przedsiębiorstwami. Ma być bardziej odporny na wahania stóp procentowych. Zacytuję wiceministra finansów: „Gdyby dziś obowiązywał indeks WIRD jako alternatywa dla WIBOR, to przy kredycie o wysokości 300 tys. zł na 25 lat rata każdego miesiąca byłaby 250 zł mniejsza. Zakładam, że uda się, aby nowy wskaźnik obowiązywał od 1 stycznia 2023 r.

CZYTAJ TEŻ: Wakacje kredytowe. Czy to mi się opłaca?
PRZECZYTAJ: Czy warto korzystać z zamojskich biur nieruchomości?

Jak konkretnie skorzystają na tym kredytobiorcy?

Wskaźnik ma okazać się korzystny dla kredytobiorców z uwagi na cykle obowiązywania. Dziś oprocentowanie rat kredytów ustala się, w zależności od wybranego WIBOR-u, na okresy trzy lub sześciu miesięcy. Tymczasem WIRD ma być wskaźnikiem jednodniowym. Kredytobiorca pozna zatem ostateczną wysokość raty w dniu spłaty.

Ale jak to się mówi, kij ma dwie strony. W długim i ostrym cyklu podwyżek, takim jak obecny, stawki WIBOR z wyprzedzeniem odzwierciedlały rynkowe postrzeganie zamiarów banku centralnego. Oznacza to, że były miesiące, gdy raty rosły zdecydowanie szybciej i mocniej niż stopy procentowe NBP. To właśnie z tego powodu zrodziły się społeczne wątpliwości dotyczące stawki WIBOR. Jednak, gdy rozpocznie się cykl obniżek to nowa stawka będzie przyjmować wyższe wartości niż WIBOR. Jeśli tej jesieni cykl podwyżek się zakończy, to korzyści dla kredytobiorców wynikające z nowej stawki najpewniej przez długi czas nie zdążą się ziścić i będą odczuwane dopiero przy kolejnej serii podwyżek.

Czy nowy wskaźnik będzie dotyczył wszystkich umów czy tylko nowych?

Nadal nie znamy  konkretów. Nie wiemy, kiedy zostanie wprowadzony nowy wskaźnik i czy będzie dotyczył tylko nowych umów.

Dziękuję za rozmowę, a czytelników, w razie pytań dodatkowych zapraszamy do kontaktu.


 


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jhanjutkhan 02.10.2022 19:43
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Autor komentarza: Pożyczka od 5 000 zł do 45 000 000 zł: [email protected]Treść komentarza: Pożyczka od 5 000 zł do 45 000 000 zł: [email protected] Witam Pani/Pan Potrzebujesz środków na swój dom, swój biznes, na zakup samochodu, roweru, założenie własnej firmy, osobiste potrzeby, wątpliwości. Oferuję *** osobiste od 5 000 zł do 500 000 zł z nominalnym oprocentowaniem 3%, niezależnie od kwoty. We wniosku kredytowym wskaż dokładną kwotę i termin płatności. Aby uzyskać więcej informacji, skontaktuj się z nami pod adresem: [email protected]Data dodania komentarza: 02.10.2022, 21:14Źródło komentarza: Zamość: Były darmowe, teraz parkingi są płatne (TYLKO W GAZECIE)Autor komentarza: Pożyczka od 5000 zł do 45 000 000 zł: [email protected]Treść komentarza: Pożyczka od 5000 zł do 45 000 000 zł: [email protected] Witam, Pani/Pan Potrzebujesz środków na swój dom, swój biznes, na zakup samochodu, roweru, na założenie własnej firmy, osobiste potrzeby, wątpliwości. 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