At the beginning of June sigm He passed a law on crowdfunding of commercial projects and assistance to borrowers. The Senate proposed 43 amendments to the law, most of which were supported by the Parliamentary Public Finance Committee. On Thursday, the House of Representatives adopted most of the Senate’s amendments, and the bill will now be signed by President Andrzej Duda.
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credit holidays. Who will be able to benefit?
The bill states that in 2022 and 2023 borrowers will be able to use them credit holidays In any two months of the third and fourth quarters of the current year and one month in each quarter of the year 2023. Credit leaves apply to both the capital and the interest portion of the installment, and the payment date must be postponed without additional interest.
The law increases support from the Borrowers Support Fund to more than 2 billion PLN and forces banks to move away from the ratio Webor. It also provides elongation shields against inflation Until October 31. As part of the targets, which are currently in effect until July 31, there is a lower rate of 8% value-added tax on fuel, a 5% rate on electricity and heating, and a zero rate on Gas. The zero VAT rate now also applies to selected foodstuffs, fertilizers and agricultural inputs.
Borrower Support Fund – Take advantage of support today
The Borrower Support Fund can be used today. The maximum support from the fund is 2000 PLN and can be paid for up to 36 months, a total of 72 thousand. zloty. Support is feedback. Repayment begins two years after the last additional payment is made and is payable in 144 equal, interest-free monthly installments.
Part of the support may be cancelled. The condition for redemption is timely repayment of the first 100 installments of the loan from CEF. With the maximum amount of support (2,000 PLN for 36 months), after timely repayment of 100 installments (50,000 PLN), another 44 installments up to 22,000 PLN. PLN will be refunded.
To receive assistance, one of the following conditions must be met:
- be unemployed by at least one of the borrowers;
- Monthly housing loan service costs must exceed 50%. Monthly income;
- Monthly income after deducting loan costs will not exceed a certain amount – in 2022 it will be PLN 1,552 in a single-person house and PLN 1,200 per person in a multi-person house.
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