Rybiński: Kredyt i etat? Słaby pomysł

16 stycznia 2014, 03:16 | Aktualizacja: 17.01.2014, 21:41
Źródło:Dziennik Gazeta Prawna

Wielu młodych ludzi stara się dostać pracę w korporacji albo w urzędzie. Potem trochę popracują i wezmą kredyt na „własne” mieszkanie.

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  • DoradcaRN(2015-01-03 16:21) Zgłoś naruszenie 00

    Trudno nie zgodzić się dzisiaj z tą oceną. Ceny najmów nadal spadają, puste mieszkania czekają na najemców. Jeśli nie dojdzie do zmiany i w ciągu kilku najbliższych lat prawdziwe okaże się stwierdzenie, że żyjemy w wymierającym kraju, to teza, że mieszkania będą tanieć jest jak najbardziej prawdopodobna. Na rynku nieruchomości można już wybierać w ofertach, a wszystko wskazuje na to że w 2015 wybór będzie jeszcze większy.

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  • robin(2014-11-18 23:45) Zgłoś naruszenie 00

    Wywód autora to przejaw zwycięstwa myślenia życzeniowego nad logiką. Obecnie rata kredytu jest nie niższa niż opłata za wynajem, jednak wynajmując, nie zyskujemy dobra w postaci mieszkania, natomiast spłacając kredyt tak. Po drugie, utrata pracy wpędza kredytobiorcę w kłopoty związane ze spłatą kredytu, ale podobne kłopoty napotyka osoba wynajmująca, która straciła pracą. Po trzecie, jeśli rata kredytu hipotecznego jest stała, za 10-20 lat będzie ona ZNACZNIE mniejszym obciążeniem dla budżetu domowego niż obecnie z uwagi na wzrost płac.
    Ryzyko związane z kredytem oczywiście istnieje, ale postrzeganie kredytu jako plagi egipskiej nie wydaje się absurdem. Ponadto kredytobiorcy stanowią bardzo zróżnicowaną grupę - nie każdy bierze kredyt na 100 % wartości domu, spłaca go przez 30 lat oraz oddaje co miesiąc bankowi połowę swoich dochodów.

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  • GeorgeKi(2014-01-25 19:30) Zgłoś naruszenie 00

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  • DanielNek(2014-01-24 22:08) Zgłoś naruszenie 00

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  • DanielNek(2014-01-24 22:07) Zgłoś naruszenie 00

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  • Gość(2014-01-19 23:13) Zgłoś naruszenie 00

    Nie rozumiem tego pieprzenia o biednych kredytobiorcach. Wziąłem kredyt na dom, zacisnąłem zęby i spłaciłem po kilku latach. W Polsce wiekszość kredytów spłacana jest przed terminem. Dom to największy atut wolnego człowieka. Jak człowiek nie tuła się po czynszówkach, ma własny ogródek to zawsze przeżyje. A jak ma spory garaż to i może już rozkręcać pierwszy biznes :)
    W kilka lat spłaciłeś kredytowany dom. Nieźle.

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  • Erwin(2014-01-19 17:31) Zgłoś naruszenie 01

    Nie rozumiem tego pieprzenia o biednych kredytobiorcach. Wziąłem kredyt na dom, zacisnąłem zęby i spłaciłem po kilku latach. W Polsce wiekszość kredytów spłacana jest przed terminem. Dom to największy atut wolnego człowieka. Jak człowiek nie tuła się po czynszówkach, ma własny ogródek to zawsze przeżyje. A jak ma spory garaż to i może już rozkręcać pierwszy biznes :)

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  • kolibri(2014-01-19 16:19) Zgłoś naruszenie 01

    Czytając artykuły o kredytobiorcach ( w podtekście we frankach) i komentarze odnoszę wrażenie, że: - żaden młody człowiek w Polsce nie ma właśnego mieszkania, - musi je kupić na kredyt, - na kredyt we frankach, oczywiście, - każdy polityk, "polityk" , ekonomista i "ekonomista" chce na tym się lansować, doradzać, być tzw. dobrym wujkiem i robić karierę polityczną. Szkoda, że na decyzjach, czasem trudnych decyzjach wielu młodych ludzi ktoś inny ma możliwość wygłaszania spóxnionych rad. Niestety, wiele tych nieszczęsnych kredytów zostało wziętych tylko dlatego, że tak zrobili inni. Tłum ma wiele głów, ale nie ma rozumu. Przed wzięciem kredytu należy jednak poradzić sięosób starszych, doświadczonych. Czasdem tym młodym ludziom nawet rodzice nie potrafili doradzić, szkoda. Ale często sami nie mieli odpowiedniej wiedzy. Biorąc kredyt, nie można być "trendy".

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  • powidzka(2014-01-19 13:30) Zgłoś naruszenie 00

    W zaciszu ciepła domowego ogniska, syci, z lekka może podpici - zapominacie jak banki, korporacje, kapitał (zgraja sprytnych ekonomicznych klaunów) odklejają was od rzeczywistego świata, od was samych. Jak wasze kredyty codziennie robią z was bezkrytycznych ekonomicznych idiotów-niewolników. Wasze motto i cel na życie macie przez nich jasno wytyczony: SPŁATA KOLEJNEJ RATY. Światowe banki pompują ogromne ilości "Fiat Currencies" w rynki a banksterzy śpiewają Hallelujah i zachlewają się na śmierć z powodu waszej słabości !!! . Oto całe misterium "współczesnego człowieka" Tego w szkołach nie uczą !!! A po za tym światowa wojna dewaluacji walut zaczęła się po cichu i jest w toku i to bardzo źle skończy się dla gospodarek i rynków , podatników, a przede wszystkim kredytobiorców.

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