Przywilej dla kredytobiorców w postaci tzw. wakacji kredytowych w okresie pandemii koronawirusa (COVID-19) – wybrane zagadnienia

The “Credit Holidays ”is quite an interesting institution that has been regulated by law. In the period of the spread of the COVID-19 pandemic, bearing in mind the difficulties in repaying liabilities to banks, initially on the part of the Polish Bank Association and the banks themselves, there were proposals to postpone repayment of principal and interest instalments or principal instalments. In this way, “non-statutory credit holidays” were created, and it was up to the lender and the borrower to specify the necessary contractual changes. As part of the so-called “anti-crisis shields” have been introduced into the legal system. First, the interference of the legislator provides for the possibility of postponing the repayment of credit obligations to entrepreneurs. These regulations introduced the possibility, not the obligation, of applying the “credit holidays” to the bank’s customer. However, it was an effective and desired instrument to help entrepreneurs. Under the so-called “Anti-crisis Shield 4.0”, obligatory “statutory credit holidays” aimed at consumers were introduced. The adopted legal regulations indeed cause some interpretation problems, but undoubtedly this legal institution will be a permanent element of the Polish banking system.