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Stan rynku kredytowego w Polsce i przewidywane zmiany » Dobre inwestowanie

Stan rynku kredytowego w Polsce i przewidywane zmiany

by admin on Tue, Feb 21 2017 11:22:00

Rynek kredytowy podlega dynamicznym zmianom, szczególnie prawnym. Od lat dziewięćdziesiątych w krajowej branży kredytowej powstało wiele banków detalicznym z kapitałem zagranicznych, parabanki z przewagą polskiego kapitału, a od kilku lat praktycznie każdy człowiek ma dostęp do pożyczek społecznościowych, czyli pożyczek udzielanych przez inwestorów indywidualnych na określony procent. Zrozumienie stanu rynku kredytowego w Polsce jest bardzo ważne dla potencjalnych kredytobiorców. W takim przypadku jesteś w stanie podpisać po prostu optymalną umowę. W artykule porozmawiamy o aktualnej sytuacji rynku kredytowego, a także o przewidywanych zmianach. 

Na rynku kredytowym działają standardowo banki detaliczne, instytucje pozabankowe, prywatni inwestorzy, niezależni pośrednicy łączący kredytobiorców i kredytodawców. Banki detaliczne poruszają się w obrębie największej gamy przepisów. Chodzi tutaj przede wszystkim o prawo bankowe, o ustawę o kredycie konsumenckim, a także o rekomendację T, którą wydaje Komisja Nadzoru Finansowego. Bank centralny, czyli Narodowy Bank Polski ustala politykę monetarną. Do polityki monetarnej banki detaliczne po prostu muszą się dopasować. A zatem banki detaliczne w dużym stopniu uzależniają zysk od obowiązujących stóp procentowych w gospodarce. Większość poważnych regulacji dotyka klasycznych banków. To bardzo dobrze, ponieważ wtedy cały sektor posiada większą ochronę. W umowach nie występują klauzule niedozwolone. Jeżeli w umowie wystąpi coś nieuczciwego wystarczy zgłosić problem do rzecznika praw konsumenta. Odrzuconych przez bank detaliczny klientów przejmują parabanki (instytucje pozabankowe). Niestety parabanki nie posiadały zbyt dobrej opinii jeszcze kilka lat temu. Nadmierne oprocentowanie kredytów krótkoterminowych (chwilówek), złe umowy dla tzw. klientów wykluczonych finansowo, brak racjonalnych regulacji i praktycznie brak monitorowania poczynań parabanków to najważniejsze bolączki branży. Nieuczciwe parabanki bardzo chętnie przejmowały nieruchomości pożyczkobiorców znajdujących się w trudnej sytuacji finansowej. Aktualnie trwają prace nad zmianą systemu funkcjonowania parabanków. Limity oprocentowania to tylko jedno z udoskonaleń. Parabankami zainteresowała się w pewnym stopniu Komisja Nadzoru Finansowego. Na witrynie KNF znajdziesz listę ostrzeżeń dotyczącą podejrzanych podmiotów w branży. Jeżeli interesujesz się poważnie współpracą z parabankami warto zajrzeć na wskazany serwis KNF.

Dla wielu kredytobiorców ratunkiem okazały się pożyczki społecznościowe, chociaż na pewno nie jest to sektor dla każdego. Pożyczka społecznościowa jest udzielana przez grono inwestorów indywidualnych. Od takiej inwestycji płaci się standardowo podatek od zysków kapitałowych wynoszący dziewiętnaście procent. Oczyszczenie branży kredytów krótkoterminowych jest potrzebne dla odzyskania zaufania do zadłużenia gospodarstwa domowego. Dobry i tani kredyt to w dużym stopniu narzędzie dynamicznego rozwoju gospodarczego, a tutaj zobaczysz najlepsze z ofert na rynku - www.kredyty-gotowkowe.portalbankowy.info/.

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