As I get a number of questions on this issue, I will briefly and simply try to summarize to whom and how much of your foreign currency loan comes back.
In the first round, it is worth clarifying to whom (six) the money is returned.
In short, almost everyone. It is a foreign exchange home and car authentic as well as forint borrowers.
The reason for this is that the recent ruling stated that banks were illegally charging exchange rate margins as a cost on foreign currency loans (while the court ruled that there was indeed a foreign exchange or swap cost. This is interesting anyway) or if they do not know to prove that they have not unlawfully raised the interest, any additional interest shall be refunded.
Logically, forint debtors are only affected by the latter
even if there has been an increase in interest since the loan was taken and not a loan with a reference interest rate after 2010.
Banks were not given the chance to prove that there was a fair reason (including) for raising interest rates, they would have to comply with conditions that were written in the law so that they could not be met (article on the serious constitutional debate here, though I suspect the Constitutional Court will decide.), so it’s an envelope that everyone who has had an interest rate increase needs to be returned.
Many people are now attacking foreign currency lenders to save them money again. Well, this is not the case now , in principle, everyone who has been wrongfully deprived of unfair interest rate increases will be repossessed. (Which often did exist.)
So it is not a favorable foreign currency loan replacement, or just a special discount for foreign currency debtors, as in the case of early repayment or exchange rate blocking.
Who doesn’t get anything?
Who borrowed before April 2004.
Who closed his credit before July 2009. If you redeemed your loan before the date, the new loan will be repaid (six) but not the old one.
Who did not have any foreign exchange costs or interest rate increases that were deemed unfair by law. (Because every interest rate increase from its qualified edge is easier: they did not have any interest rate increase.) In the case of a currency conversion, you may be the one who borrowed in foreign currency but also repays it monthly.
Who had a government-backed forint loan, because the interest rate there depended on the five-year government bond interest rate.
Who gets a little?
Since the bank can write off the rebates so far from the repayment amount, those who pay back at an artificial exchange rate of 180 forint will most likely receive nothing (beyond the 25% gift so far).
Likewise, they will be deprived of the exchange rate blockers what they have received so far.