{"id":4352,"date":"2013-01-23T09:37:56","date_gmt":"2013-01-23T08:37:56","guid":{"rendered":"https:\/\/insajder.si\/vprasanje-bralca-z-dne-23-1-2013\/"},"modified":"2024-06-03T20:10:52","modified_gmt":"2024-06-03T18:10:52","slug":"vprasanje-bralca-z-dne-23-1-2013","status":"publish","type":"post","link":"https:\/\/insajder.si\/en\/vprasanje-bralca-z-dne-23-1-2013\/","title":{"rendered":"Vpra\u0161anje bralca z dne 23.1.2013"},"content":{"rendered":"

Vpra\u0161anje bralca:<\/strong>
\n 
\n“Pozdravljeni.<\/em><\/p>\n

Mene pa zanima slede\u010de:<\/em>
\n Imam kredit v CHF in vezan na libor. Sedaj ga odpla\u010dujem cca 6 let se pravi da ostaja \u0161e 14 let. Kljub temu, da je mnogo sli\u0161ati o tem, kako so ljudje pri takih kreditih nasankali, \u010de jaz potegnem \u010drto \u010dez moj kredit, je \u0161e zmeraj bolj ugoden kot da bi ga vzel v EUR-ih. Res se mi je za cca obrok pove\u010dal v zadnjih dveh letih za cca 15% od prve anuitete je pa prej\u0161nja leta tudi za toliko procentov padel. Pred nekaj dnevi sem dobil ponudbo iz strani banke, v kolikor \u017eelim, naj se naj pri njih oglasim in da mi bodo blagohotno spremenili kredit v EUR-e. Spra\u0161ujem se, kje so pa bili, ko se je EUR skoraj zru\u0161il. Nekje sem dobil informacijo, da se banke \u017eelijo kreditov v CHF znebiti, saj imajo premajhno kapitalsko ustreznost v CHF-ju. Razen tega pa se zadnje \u010dase tudi EUR krepi napram CHF. Zanima me va\u0161e mnenje, kaj mislite, kako se bo razmerje CHF\/EUR gibalo v prihodnje. Res je, da se evropa po\u010dasi pobira in tudi \u0160vicarjem tako razmerje sedaj ne ustreza, saj vsaj 60% vsega izva\u017eajo v Evropo.”<\/em>
\n <\/p>\n

Na\u0161 odgovor bralcu:<\/strong>
\n 
\nEdina gotovost po na\u0161em mnenju je, da bo Libor ob poku obvezni\u0161kega balona nekje v prihodnosti (tedni, meseci, leta…???) eksplodiral navzgor, kar bo vrednost kreditov in posojil s spremenljivo obrestno mero pognalo v nebo. V tem primeru bi osebno raje imeli kredit najet v evrih, saj bo \u0161vicarski frank v teh okoli\u0161\u010dinah zaradi svoje integritete veliko bolj stabilna valuta, kot evro. Druga\u010de povedano, ve\u010dja verjetnost obstaja, da bo va\u0161 kredit cenej\u0161i v evrih v primerjavi s kreditom v \u0161vicarskih frankih.<\/p>\n

Problemi evra \u0161e zdale\u010d niso re\u0161eni. V kolikor bo ameri\u0161ki dolar za\u010del izgubljati tla pod nogami zaradi tiskanja ameri\u0161ke centralne banke preko QE4, ponovnega dviga zadol\u017eitvene meje in mo\u017enega zni\u017eanja bonitetne ocene s strani katere izmed neodvisnih bonitetnih hi\u0161, pri\u010dakujemo nov val poskusa destabilizacije evra preko masovnih medijev in finan\u010dnih instrumentov s strani ZDA in Velike Britanije v obrambo dolarja in britanskega funta. Skoraj z gotovostjo lahko trdimo, da bo v tem primeru problem Gr\u010dije spet glavna tema na naslovnicah zahodnih medijev.<\/p>\n

Gibanje vrednosti \u0161vicarskega franka je popolnoma odvisno od ukrepov \u0161vicarske centralne banke. Danes je zelo te\u017eko predvideti, kaj se bo dogajalo na valutnih trgih, saj predvidljivih trendov prakti\u010dno ni. Kar je ostalo so posegi centralnih bank, ki pa so zelo nepredvidljivi na kratki rok.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Vpra\u0161anje bralca:   “Pozdravljeni. Mene pa zanima slede\u010de: Imam kredit v CHF in vezan na libor. Sedaj ga odpla\u010dujem cca 6 let se pravi da ostaja \u0161e 14 let. Kljub temu, da je mnogo sli\u0161ati o tem, kako so ljudje pri takih kreditih nasankali, \u010de jaz potegnem \u010drto \u010dez moj kredit, je \u0161e zmeraj bolj…<\/p>\n","protected":false},"author":2,"featured_media":4353,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[54,72,78,76,79],"class_list":["post-4352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insajder-odgovarja","tag-ameriski-dolar","tag-centralne-banke","tag-evro","tag-kredit","tag-svicarski-frank"],"yoast_head":"\nVpra\u0161anje bralca z dne 23.1.2013 - Insajder<\/title>\n<meta name=\"description\" content=\"Problemi evra \u0161e zdale\u010d niso re\u0161eni. 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