The prime minister holds the bill and the borrowers wait

On Wednesday, the Sejm could deal with the issue of the so-called bridging fee – it must be returned to mortgage borrowers, which would no doubt be helpful in times of high interest rates and record inflation. It is at least PLN 200 for each loan, which additionally has to be paid by bank customers. But borrowers will have to wait, as the prime minister keeps the bill on his desk and conducts political negotiations.

First about the planned changes at the Ministry of Justice, we wrote in detail in January.

The Ministry of Justice wants to speed up the procedure for making registrations in the land registry and mortgage registers – in many cities it takes months, in some places even a year. Will the proposed solutions lead to this – we’ll see, because many experts doubt it.

But the first of the proposed solutions was to go into effect faster and facilitate the borrowers, taking some of the profits away from the banks. It assumes that the so-called bridging allowanceie insurance of the risk borne by the bank, would be returned to the customer after the mortgage was entered in the Land Registry and Mortgage Register† “This is a kind of down payment,” said the RMF FM journalist, the bill’s author, Deputy Justice Minister Marcin Warchoł.

We also wrote about the case in April – Minister Warchoł hoped at the time that the Council of Ministers would deal with the project in May and that this solution would come into effect in July.

The ministry even cut the time for public consultations precisely so that the short deed, written on one page, was passed as quickly as possible. Almost a month ago, on June 10, the law was passed by the Council of Ministers by circulation.

Thereafter, it must be immediately referred to the Sejm. But it hasn’t happened to this day. It is only the decision of the Prime Minister and his entourage to postpone this law. In comparison, the Prime Minister’s Office has already submitted to the Sejm the draft laws adopted by the Council of Ministers on June 21 (a draft law amending the Act on the professions of nurses and midwives), and even on June 28 (a draft law amending the actions of the National Fund for the Development of Roads).

I asked about the status of the bill, the Prime Minister’s Chancellery. Today’s response confirms that the project was approved on June 10, 2022. “Then the bill will be submitted to the Sejm.” And that’s all.

And borrowers are in an increasingly difficult situation. This project will not suddenly change their fate, but it would undoubtedly help many. Because, admittedly, it will still be necessary to pay the so-called bridging costs in each installment, but after a few months, the bank’s customer will receive a refund of several hundred or several thousand zlotys.

What’s next with the act? “Unfortunately, the Prime Minister has blocked it for us” – I belong in the Department of Justice.

Completely incomprehensible decision regarding such a long detention in the Chancellery of the Prime Minister – says the draftsman of the bill, Deputy Minister of Justice, Marcin Warchoł. And yet, let me remind you, this act it could go to the Seym’s session, which is just starting nowTrue, the Sejm session starts on Wednesday, but the bill was not sent to Wiejska Street. This means that Poles will have to wait at least until September for these solutions, because the Sejm does not work in August. This is a non-political, pro-consumer and pro-Talal act – comments Minister Warchoł.

However, it’s hard to resist the impression that it is not the content of the law that prevents Prime Minister Mateusz Morawiecki. The Ministry of Justice is led by politicians Solidarity Poland. For example, the coalition partner of the Law and Justice party is brought to the largest party in many cases in the case of the windmill law, finally adopted today by the Sejm† However, it was no secret that Solidarna Polska did not want to support her.

And the Prime Minister, who is holding the bill on the bridging contribution, which has been positively assessed by experts from the housing and banking sector, keeps his argument in hand. It may not be ace up your sleeve, but it can certainly be used in political negotiations. Prime Minister Morawiecki can demand concessions from Zbigniew Ziobro’s party and offer to unblock the bill and refer the Sejm† In this situation, however, the hostages are civilians, borrowers waiting for solutions that will relieve them.

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