As we can read on the site of Kruk SA dealing with debt management, it should be noted that the franc is unlikely to achieve the same value as when massive borrowing Swiss: “This means that after conversion, the debt will still be higher than the amount you paid the bank” – says on https://pl.kruk.eu/klienci/poradnik/porady/kredyt-we-frankach-jak-zmniejszyc-jego-negatywne-skutki.Czy therefore conversion of the loan is unprofitable? Given the difference in interest rates between the two countries – so, this option may be unprofitable: “In Switzerland, interest rates on loans is usually lower than 1 percent. after conversion would increase to 4 per cent., and this significantly increases the amount of installment. In the case of a loan for 300 thousand. zł contracted for 30 years in the mid 2008 installment would increase by more than 600 zł “- inform the experts of KRUK.Jak repay the loan in Swiss francs? A better solution giving a greater sense of stability is to increase the income and expenditure restraint, because it does not violate financial stability. You can also look for the best exchange offices francs in the course and pay them yourself credit, avoiding the bank, often adverse, operacje.Jak to secure, with a loan in Swiss francs?

The media can still find opinions that Frankowicz are themselves guilty of that in the world of banking and finance need to be guided by the iron logic and be aware that if the loan commitment is always shunted are one of the parties: if you take them on the bank, abandoning of indexation, the interest rate must be higher, if the client – the interest rate can be very low. The structure in which the interest rate is low and the customer is devoid of risk in banking practice does not make sense and that is why you should always think of security, taking no matter what kind of kredytu.Zabezpieczeniem before the interim rate increase are bigger shopping francs when the course is as beneficial. With such an operation, when the course begins to grow alarmingly, you may be discontinued at any time purchases and pay installment currency purchased in previous months. Swiss francs – credit / Media First of all przypatrzeć the contract. As you can read in the Financial Report of the Ombudsman and the Ombudsman: “In many of these agreements include clauses that are vague, ambiguous and unintelligible to customers. Therefore, some of these clauses be undermined as illegal.

But the need to help lawyers specializing in banking law “.Aleksandra Wiktorow, financial spokesperson adds: – The average borrower identifies mainly – the easiest to observe – the problem of increase in the balance of debt, resulting from the application of the indexing mechanism or a denomination of credit to foreign currency. Meanwhile, these agreements contain other provisions that make the customers pay higher installments than they should, and that could be considered abusive, or illegal provisions umowne.Dlatego before deciding about taking the loan, worth looking into a loan agreement with the specialists for abusive clauses. If you have a loan was taken out in francs, franczkowicze should also go to a lawyer, because this can advise what rights, and whether there is a chance to recover part of the invested pieniędzy.Każdy loan is incurred should be held with the financial cushion that will provide stability in case loss of income. It is recommended to have savings worth a minimum of six installments of the loan. The solution is also an investment of financial surpluses in the purchase of francs, and … saving. Reducing unnecessary expenses shortens the way to repay the loan faster and deprivation of debt in frankach.Źródła: https://www.polsatnews.pl/wiadomosc/2019-09-20/tsue-3-pazdziernika-wyrok-w-sprawie-kredytow- in the Swiss-franc-/ https://tvn24bis.pl/z-kraju,74/kredyty-we-frankach-a-wyrok-tsue-opinia-moody-s,971702.html https://serwisy.gazetaprawna.pl /finanse-osobiste/artykuly/1429583,kredyty-frankowe-obnizenie-rat.html https://serwisy.gazetaprawna.pl/finanse-osobiste/artykuly/1428140,kredyty-frankowe-rekompensaty-gospodarka.html https: // sites .gazetaprawna.pl / energy / galleries / 848,524, big-picture, 1, loans-in-franc-who-are-Polish-Frankowicz-you-take-kredyty.html https://finanse.wp.pl/frankowicze- can-start-Aug-enjoy-September-installment-could-be-Lowest-of-years-6161800971216513a https://www.money.pl/banki/kredyty-we-frankach-mimo-11-lat-splaty-dlug -rosnie-6413483131848833a.html https://zbp.pl/raporty-i-publ ICATIO / Reports-cyclic / report-Netbank https://www.pieniadzjestkobieta.pl/kredyt-we-frankach-co-mozna-z-nim-zrobic https://www.rpo.gov.pl/pl/content/ the trouble-with-pozyczka-or-credit-as-assistance https://strefainwestorow.pl/artykuly/wywiady/20190724/kredyt-we-frankach-pozew A list of 10 research universities, selected in the “Excellence Initiative – University Research” (Idube), announced on Wednesday at a ceremony organized by the Ministry of Science Kubicki Arcades at the Royal Castle in Warsaw.

Research universities are: University of Warsaw, Gdansk University of Technology, University. Adam Mickiewicz University in Poznan, University of Mining and Metallurgy. Stanislaus Technology in Cracow, Jagiellonian University, Warsaw University of Technology, Medical University of Gdansk, Silesian University of Nicolaus Copernicus University in Torun and Wroclaw University. Research universities in the years 2020-2026 will be receiving subsidy increased about 10 percent. This is to help improve the quality of research conducted there and the teaching and enhance their chances in the competition międzynarodowej.zobacz also Gowin: choice of university research must be transparent »” We estimate that the annual cost of the program will amount to approx. 500 million zł.

These measures are secured in next year’s budget “- said the Minister of science and higher education Jaroslaw Gowin during a meeting with reporters after the announcement of the competition results. List, the selection of university research working team of international experts. Jaroslaw Gowin assured that founded from the beginning that he would not interfere in the work of the team and that the process of selecting research university must be “free from political pressures.” “The results (…) one hundred percent overlap with the official recommendations of the team of experts”, – assured the minister. Some universities awarded after the results sent their comments PAP government. AGH Rector Prof.. Tadeusz Slomka assured that “an increase in funding for research will allow academic staff to focus more on scientific activities.

We hope that this will result in further innovative inventions developed in the University. We hope you will help us to effectively compete with universities in the world’s top rankings “.See also: A new way of financing universities: the best lose algorithm. They face even bankruptcy »rector prof. Marcin Pałys in turn announced that it received under the program funding will allow us to achieve “ambitious plans”. With additional measures UW wants to develop five priority areas of research. In turn, the Rector of Gdansk University of Technology prof. Christopher Wilde emphasized that the status of a research university is a huge prestige, but also a challenge.

One of the Vice-Rector of the Jagiellonian University prof. Stanisław Kistryn, in turn, assured that participation in the program has become the university an opportunity to rethink long-term strategy, mainly in the area of ​​research, but also other elements of the mission of the university. “The basic emphasis on complex, close international cooperation, both by direct contact research groups, as well as through multi-faceted forms of cooperation within the network of associations and universities from Europe and the world” – chemistry homework website said vice-rector. The competition qualified for 20 universities; importance was obtaining the relevant categories during the last academic evaluation. The Minister pointed out that although only half of these universities will have the status of research university – is the competition there are no losers. “Each of the 20 universities demonstrated a high level” – rating. He added that the process of preparing for the competition for these facilities was a great opportunity to redefine its mission, strengths and weaknesses. The other 10 universities that competed for the title of university research, will also receive additional financial support: an increase in subsidies for the period 2020-2025 in the amount of 2 percent. subsidies received in 2019. Universities these are: Technical University of Lodz, Wroclaw University of Technology, University of Gdansk, University of Lodz, Medical University of Bialystok University of Medical Sciences.

In Poznan, Medical University of Lodz, Pedagogical University. Commission of National Education in Krakow, Wroclaw University of Environmental and University Śląski.zobacz also: What awaits universities in the new academic year? Ministry of Science, explains “The conclusions in the contest by foreign experts among universities presented analysis of their potential and development plans. “The plans presented here that a group of 20 universities, this is only promises. Now these promises must be realized,” – said the Minister. He added that the implementation of these will be a challenge and a test of leadership. “These changes can be made only when if universities through a democratic, bottom-up selection to bet on strong leaders who will have the will to pursue scientific excellence, but also teaching excellence” – said the minister during a ceremony Wednesday.

He announced that the mid-term evaluation will take place after more than three years, but according to the recommendations of experts on the Ministry should monitor the progress of each university. The new competition is planned for 6 years. Jaroslaw Gowin estimated that the emergence of university research is the culmination of the efforts of many people who worked on the university reforms in Poland. He added that these reforms were unique in Polish dialogue between the government and academia, as well as – within academia. “We have reason to tell each other that we gave a good report, we showed how to reform the state. (…) I strongly believe that the culture of dialogue will be accompanied by academic activities and ministries in the next years and decades cadences. And second, that this culture of dialogue also extend to other spheres of social life in Poland “- he said.

Gowin stressed that investment in higher education must increase. “We must make an effort to convince not only politicians but also public opinion, it’s worth – in the interest of Polish – increase investment in science and higher education,” – he said. In September, an additional increase for teachers is a big problem for local governments. They must provide a minimum salary, but also for education allowance of at least 300 zł and meet the requirement of the average wage, which increases with increases. Dariusz Piontkovsky, head of the Ministry of Education, ensures that local stewards are not disadvantaged because in September they got an extra one billion zlotys from the educational subsidy increases for teachers. The unions and local governments, however, have calculated that it is not enough 400 million zł, and the next year to keep rising this year’s run of 35 million zł subsidies. Local stewards warned that there have to be problems with the payment of salaries on time for teachers. The first victim of the failing system already appeared.

They pay in advance This was the Zawidzu Koscielny. There, in November, the teachers did not get salaries. – In this case, the director of our facility has a meeting in the council – says DGP employee secretariat Elementary School in Zawidzu Koscielny (province. Mazowieckie). Alerted compounds have also been educational. – Head of the department of education of the community Zawidz informed me that the councilors did not agree to the change in the budget and raising a credit on salaries for teachers. But maybe 12 November, at the next session, there will be some light in the tunnel – wonders Krzysztof Baszczyński, vice president of the Association of Polish Teachers. – He said even he did not understand my surprise, since other municipalities also are facing financial problems associated with the maintenance of schools – adds Baszczyński. See also: Deputy Minister of Education: Not withdrawing from 6 percent increase in 2020 “- For teachers of this municipality has already prepared a special letter, which will be able to claim the interest on overdue salary.

The whole thing we intend to notify the regional labor inspectorate – he adds. – For the last increase in salaries of teachers by 15 percent. to the closing of the financial year, we lack million, and to implement the September increase should only spend 100 thousand per month. zł. The whole subsidy is not enough even for salaries, let alone fixed expenses, eg. The media and building maintenance. This year, the budget received 7 million zł subsidies for education have already spent 12 million zł, and we still lack a million – lists Leszek Brodowski, deputy mayor of the municipality Zawidz. – Board does not agree to linking schools or their transformation into an association. Such a policy leads to the financial meltdown. In classes we have five students, which also generates enormous costs. In addition, next year we have planned a lower subsidy of this year, because the kids will be less – he added. (No) estimate unionists admit that local governments leads to such a situation, the Ministry of Education. – On 25th of February this year alarmowaliśmy that the planned subsidy is underestimated.

For many governments the money is not enough even to pay the basic salaries of teachers – says Krzysztof Baszczyński. Expenditure on education Source: DGP – our calculations show that the educational subsidy next year, the project is in the consultation, is undervalued – by about 35 million zł in terms of ensuring minimum wages teachers. Ministry did not provide a penny for payroll expenses, which is the maintenance of schools – calculates Baszczyński. They do not hide the bitterness of a kindergarten teacher from the village Świnice Warckie (province. Lodz). – The promise was that the allowances for education will be brought to the minimum, which is enacted from September in the school, which is 300 zł.

Unfortunately, due to the absence of additional measures, such plans have been moved away for next year – says one of the teachers of the DGP. Fuzzy responsibility Lawyers admit that the teacher, as every worker has the right to remuneration and difficult financial situation of the community here is not a sufficient argument. And for those in charge of the municipality it can have serious consequences. – the commune Administrator risk of liability for breach of public finance discipline.

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