The newspaper writes that there are signals reaching her, which show that despite submitting applications for credit holidays, banks charge it even a few days before the installment repayment date. “If the installment is not paid, arrears arise. Banks’ customers fear that even if the bank later cancels the installment, such a temporary arrears may lower their creditworthiness” – we read.
UOKiK told Rzeczpospolita that it has signals about such situations and is analyzing them. “It is difficult to talk about any arrears in a situation where the bank has illegally collected an installment. Moreover, taking advantage of credit holidays does not reduce the consumer’s creditworthiness” – informed the newspaper.
Krzysztof Pietraszkiewicz, president of the Polish Bank Association, believes that “such cases may result from technological reasons”. – We have a nice idea in Poland that our banking is so perfect that you can switch the lever from Monday to Tuesday and it will work differently. But it’s not like that. Each IT system must, apart from introducing changes, be tested and – as some say – burned-in in a given operation. It takes time – he says in an interview with the newspaper.
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Credit holidays are already underway
Bank customers can apply for credit holidays from July 29i.e. the possibility of suspending the repayment of the mortgage installment for a maximum of eight months this and next year.
Loan repayment can be suspended for two months in the third and two months in the fourth quarter of 2022 and one month in each quarter of 2023.. This applies to people who took out a loan in PLN for their own housing purpose.