Rozliczenie kredytu mieszkaniowego z niedozwolonymi walutowymi klauzulami indeksacyjnymi

This paper deals with how to settle a foreign currency exchange rate indexed mortgage loan between bank and consumer if the court declares that agreement has an abusive clause. At present, many consumers in Poland strive void their contracts on grounds they contain indexation clause, mainly referred CHF/PLN rate. The calculations are based CHF 30 years decreasing monthly installments, starting 2008. settlement amount is calculated for two most probable scenarios: 1) contract declared void; 2) continues but without One cannot determine which scenario definitely better than other any party. In final section of article implications Polish banks presented.