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Elérhető “A hibrid” című kiadvány új verziója

A devizahitelek, vagy deviza nyilvántartású hitelnek nevezett, a valóságban hibrid- szerződések (forinthitellel vegyes befektetési szerződések) mérhető, és mérhetetlen károkat okoztak a magyar adósoknak (természetes személyeknek, vállalkozásoknak, önkormányzatoknak, és az egész magyar államnak). Ez a károkozás a bankrendszernek (az anyabankjaikkal, és refinanszírozó bankjaikkal karöltve) kifejezett szándéka volt, és nem mulasztások eredménye. A mozaikokból összeáll a „deviza-hitelezés” eltitkolt valósága. A mellékelt bizonyítékok alapján nem mi állítjuk mindezeket, ezért nem feltételezések. Maga a bankrendszer leplezi le önmagát …

A kiadvány letölthető az alábbi linkeken: [pdf formátum] [epub formátum] [Google Play]

Perverz banki innovációk nyomában …

A bankok a kommunikációjukban, és a Kúria jogegységi döntései e tárgyban, a devizaalapú hiteleket összemossák a deviza-nyilvántartású hitelekkel, mintha ezek mind deviza forrású hitelek lettek volna. Holott a hitel nyújtásának a feltételei és következményei, a pénztőke e két formája esetén eltérőek, hatásukban ellentétesek.

Ha a bank (más banktól kapott devizakölcsön, deviza betétjei,) mérlegen belüli deviza forrása terhére nyitja meg az adós pozícióját Ft-hitel formájában (egy számlán), akkor a hitel forrása egyszeri devizaügyletből, deviza átváltásból származó Ft-hitel. Ekkor az adós Ft-ban is, devizában is törleszthet, és a deviza-konverzió valóságos. A deviza drágulása csak az aktuális törlesztő részletre hat ki. A bank saját devizaadósságot nem görget maga előtt a teljes devizatartozásra vonatkozóan (ahogyan a deviza-nyilvántartású hitelnél a befektetésre rákényszerül). A devizaforrás esetén a Ft vagy stagnál, vagy erősödik az ilyen devizával szemben, ahogyan az a devizahitelek kihelyezésekor történt is. Ebben az esetben (valós, mérlegbe könyvelt devizaforrás esetében) azonban a bank kockázata valóságos, és jelentős, mert maga is devizával tartozik a saját törlesztése, elszámolásakor. Ezért ilyen esetben az adóskockázatot is alaposan elemzi, mert az adós teljesítő képessége egyben a bank kockázata is!

Más a helyzet a szintetikus deviza („forrású”), deviza-nyilvántartású hitel esetén, mert ekkor a deviza, és a devizatőke jellege egészen más. Annyira más, hogy nem is forrás! Hanem pénzügyi eszközzel végzett banki ügylet. Csak megjegyezzük, hogy a magyar jogban nem típusszerződésként, csak szokásból „elfogadottan” létezik, de jogellenes ezért, míg az EU jogában szigorúan szabályozott ez az összetett pénzügyi termék, ez a hibrid.

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