Grzegorz_
4 Apr 2013
Grzegorz_
4 Apr 2013
Grzegorz_
3 Apr 2013
USA, Canada / Help get my girlfriend to Canada! [19]
Clown. Go get a job.
We are both poor students, from lower class families
Clown. Go get a job.
Grzegorz_
2 Apr 2013
Genealogy / Help finding Lesser Poland village, Kasinka Mala, in Limanowa county / Wągrowiec [4]
I don't see any reason why that should have happened...
or did the original inhabitants get expelled after WW2
I don't see any reason why that should have happened...
Grzegorz_
2 Apr 2013
Real Estate / Negotiating a Mortgage for a new apartment in Poland [7]
If it is a garage then I think there should be no problem to add it... If it is just a parking space but is somehow "fixed" to the flat (so you can't sell it without selling a flat) then there's a chance to add it too... +30k then seems to be just a marketing trick on the developers' side, If you can't buy (or later sell) without it, It's in fact not 500+30 but 530.
Check BGŻ, BOŚ, BPH and Getin too. They used to have good deals.
I think it's prowizja you are talking about. Marża is the fixed part of interest rate, It's WIBOR (interbank rate) + marża. It's most probably due to a fact that you want to borrow all (or vast majority) of transaction's cost and LTV is over 0.8 then. Then for a bank there's a serious risk that they won't recover all the money they lent If you stop repaying it... then once they take over the property, add the administrative costs etc. and sell it, it will be still less then the money you borrowed from them... That's why these days many banks don't lend at all if LTV is over 0.8, others charge extra (that's prowizja) to cover the additional risk. Just take a look at these online calculators (they should not be 100% trusted, might be not up to date in some cases but give the overall idea...) type in 500k as the amount of loan and 500k as the value of property and then compare it with 400k loan and 500k value of property, you should see many more banks and much better offers.
So you should check what you can do to get down with LTV to 0.8 level. It doesn't have to mean you must have 20% in cash, for example in case of secondary market Value is (at least for most banks I think) what a certified guy estimate it to be (it costs around 350 PLN to get the estimation done) so for example If you buy a flat for 240k, which was estimated to be worth 300k, you get LTV=0.8 (because 240k loan is secured on a property worth 300k) without putting any own money into it... In case of primary market in the past they were just taking the price as Value but now when you can negotiate with devs I'm not sure how banks threat it, for example If you manage to get the price down by 10%, will the value be 450 or initial 500 ? It's something worth investigating because if it is still 500k for the bank, then you have LTV 0.9, find 50k in cash and with LTV 0.8 you should find a bank not charging prowizja and offering better marża. Also ask If there are any extra costs, some banks may demand life insurance or some other shyt, while others not. Use calculators and other online resources just to initially select 6-8 banks and then visit them with your own checklist.
but they all seem to offer a parking space for 30k PLN, and I have no idea if this can be added to the mortgage or needs to be paid in cash so that will be my negotiating territory.
If it is a garage then I think there should be no problem to add it... If it is just a parking space but is somehow "fixed" to the flat (so you can't sell it without selling a flat) then there's a chance to add it too... +30k then seems to be just a marketing trick on the developers' side, If you can't buy (or later sell) without it, It's in fact not 500+30 but 530.
As for the mortgage, I'm seeing some good offers from PKO, Millennium and Bank Zachodni.
Check BGŻ, BOŚ, BPH and Getin too. They used to have good deals.
and ING still want a 20% deposit.
It's the high marza (loan price?) that's got me most worried. I never understood that idea of charging an up-front fee to lend money.
I think it's prowizja you are talking about. Marża is the fixed part of interest rate, It's WIBOR (interbank rate) + marża. It's most probably due to a fact that you want to borrow all (or vast majority) of transaction's cost and LTV is over 0.8 then. Then for a bank there's a serious risk that they won't recover all the money they lent If you stop repaying it... then once they take over the property, add the administrative costs etc. and sell it, it will be still less then the money you borrowed from them... That's why these days many banks don't lend at all if LTV is over 0.8, others charge extra (that's prowizja) to cover the additional risk. Just take a look at these online calculators (they should not be 100% trusted, might be not up to date in some cases but give the overall idea...) type in 500k as the amount of loan and 500k as the value of property and then compare it with 400k loan and 500k value of property, you should see many more banks and much better offers.
So you should check what you can do to get down with LTV to 0.8 level. It doesn't have to mean you must have 20% in cash, for example in case of secondary market Value is (at least for most banks I think) what a certified guy estimate it to be (it costs around 350 PLN to get the estimation done) so for example If you buy a flat for 240k, which was estimated to be worth 300k, you get LTV=0.8 (because 240k loan is secured on a property worth 300k) without putting any own money into it... In case of primary market in the past they were just taking the price as Value but now when you can negotiate with devs I'm not sure how banks threat it, for example If you manage to get the price down by 10%, will the value be 450 or initial 500 ? It's something worth investigating because if it is still 500k for the bank, then you have LTV 0.9, find 50k in cash and with LTV 0.8 you should find a bank not charging prowizja and offering better marża. Also ask If there are any extra costs, some banks may demand life insurance or some other shyt, while others not. Use calculators and other online resources just to initially select 6-8 banks and then visit them with your own checklist.
Grzegorz_
2 Apr 2013
Real Estate / Negotiating a Mortgage for a new apartment in Poland [7]
There's not much you can negotiate, the offers are pretty much fixed, LTV, amount of money you want to borrow and in result you get the conditions of bank x or y. If you mean how much do they differ between the banks, they do differ significaly although I don't think as much as you say... I'm not up to date with details but I think that with 500k and LTV (loan to value, generally how much of your own money you put into this deal) between 0.5 and 0.8 you should find an offer with 0% provision, and interest=WIBOR3M or 6M + 1.3-1.4% (so ~5% but it's fluctuating daily) If LTV is over 0.8 there will be probably additional cost of high LTV insurance or something similar...
The effect of all this mess is that banks went up with prices, several years ago WIBOR + 0.45%-0.95% was the standard for 100-500k loans.
BTW maybe you should focus more on negotiating with developer... even If 500k is total cost of flat, It seems to be a lot, unless really big and in Warsaw...
There's not much you can negotiate, the offers are pretty much fixed, LTV, amount of money you want to borrow and in result you get the conditions of bank x or y. If you mean how much do they differ between the banks, they do differ significaly although I don't think as much as you say... I'm not up to date with details but I think that with 500k and LTV (loan to value, generally how much of your own money you put into this deal) between 0.5 and 0.8 you should find an offer with 0% provision, and interest=WIBOR3M or 6M + 1.3-1.4% (so ~5% but it's fluctuating daily) If LTV is over 0.8 there will be probably additional cost of high LTV insurance or something similar...
Considering the state of the current banking climate
The effect of all this mess is that banks went up with prices, several years ago WIBOR + 0.45%-0.95% was the standard for 100-500k loans.
BTW maybe you should focus more on negotiating with developer... even If 500k is total cost of flat, It seems to be a lot, unless really big and in Warsaw...
Grzegorz_
30 Mar 2013
News / 2012 - 2013 Will be the most severe Polish winter. [38]
Where is global warming when we need it...
I have enough... I want spring already! ;/
Where is global warming when we need it...
Grzegorz_
30 Mar 2013
News / 2012 - 2013 Will be the most severe Polish winter. [38]
Sure, actual winter was not, January was warmer than usual, Feb was normal but I have never seen before so many days with snow coverage and so low temps in March. Snow in late March or even early April is nothing unusual but IF it comes after a warmer period and melts down after 2-3 days. There's something seriously wrong this year. What's worse I don't see any radical change even in long term forecasts. Next week the same crap, after that goes up to +5/-1 at night. Come on, it's terribly low for 2nd week of April.
it was by no means a harsh or bad winter.
Sure, actual winter was not, January was warmer than usual, Feb was normal but I have never seen before so many days with snow coverage and so low temps in March. Snow in late March or even early April is nothing unusual but IF it comes after a warmer period and melts down after 2-3 days. There's something seriously wrong this year. What's worse I don't see any radical change even in long term forecasts. Next week the same crap, after that goes up to +5/-1 at night. Come on, it's terribly low for 2nd week of April.
Grzegorz_
29 Mar 2013
Grzegorz_
28 Mar 2013
Real Estate / The cost of a furnished apartment near Warsaw downtown are high? Why? [42]
As others said, you should be able to find without much problems a flat like that for ~2000 PLN a month, that's less than 700 USD. The rent has not gone up significantly in recent years.
As others said, you should be able to find without much problems a flat like that for ~2000 PLN a month, that's less than 700 USD. The rent has not gone up significantly in recent years.
Grzegorz_
28 Mar 2013
Study / National Louis University Nowy Sacz [18]
I'm not familiar with the current situation there, but I know that 10-15 years ago this school was regarded as the best economic non-public school in Poland and once I met a guy, who said he got several very good job offers soon after he graduated from there, so just wanted to point out that this is not some clown school as another poster suggested.
I'm not familiar with the current situation there, but I know that 10-15 years ago this school was regarded as the best economic non-public school in Poland and once I met a guy, who said he got several very good job offers soon after he graduated from there, so just wanted to point out that this is not some clown school as another poster suggested.
Grzegorz_
26 Mar 2013
UK, Ireland / Why can't unemployed Polish people on benefits just leave UK and go home please? [240]
Some facts ?
But there are also a disproportionately high number of lazy benefit cheats and criminal elements that 'milk the system'.
Some facts ?
Grzegorz_
26 Mar 2013
UK, Ireland / Benefit cuts for Poles in The UK? [143]
Brown is just trying to score a few points on "they stole my job ! [although I've never worked]" crowd of plebs.
Brown is just trying to score a few points on "they stole my job ! [although I've never worked]" crowd of plebs.
Grzegorz_
25 Mar 2013
Real Estate / The cost of a furnished apartment near Warsaw downtown are high? Why? [42]
When was that ?
since my last visit
When was that ?
Grzegorz_
25 Mar 2013
UK, Ireland / Why can't unemployed Polish people on benefits just leave UK and go home please? [240]
Come on, we're one people, doesn't matter If you're black, white or pink !
It would seem that there is definitely an anti-Polish sentiment across a large proportion of British society but as per usual the Brits are too damn lazy and complacent to actually do anything meaningful with their frustrations. Oh, and I AM British by the way.
Come on, we're one people, doesn't matter If you're black, white or pink !
Grzegorz_
24 Mar 2013
Love / Polish Weddings - what to wear, gifts, confetti, traditions [15]
Are you sure they really got married ? Maybe just wanted to rip off some expats !
I have obviously been to too many shyte weddings then.
Are you sure they really got married ? Maybe just wanted to rip off some expats !
Grzegorz_
24 Mar 2013
Food / Polish "kremowka" dessert question [29]
Twaróg is white chess, tłusty or półtłusty -> it depends how much fat it contains.
Twaróg is white chess, tłusty or półtłusty -> it depends how much fat it contains.
Grzegorz_
24 Mar 2013
Love / Polish Weddings - what to wear, gifts, confetti, traditions [15]
Unless the wedding is really shytti, food alone will cost that much...
the average spend per head is normally, 25 GBP
Unless the wedding is really shytti, food alone will cost that much...
Grzegorz_
23 Mar 2013
News / Poland Unemployment: Nobody protests, because people are leaving [30]
should be: "agree with me"... God forbid...
Good to see that you are with me.
should be: "agree with me"... God forbid...
Grzegorz_
23 Mar 2013
News / Poland Unemployment: Nobody protests, because people are leaving [30]
Good to see that you are with me.
The problem with jobs for young people or lack of jobs in general wasn't caused by Tusk forgetting to push "create jobs" button and now we can remind him to do so protesting and all will be great. It's the result of many many years of politicians not doing their job professionally. Instead of that, they managed to convince people here that being a politician is not about being a manager in a company called Poland but some damn messianic role, were actual decisions does not matter, what matters is that If you vote PiS, you must be a backward idiot from ex-PGR, says one group of clowns, vote for us, join modern Europeans, on the other hand you've got, they are traitors, want to make us a German colony, vote for us, only we can save Poland.
People bought that crap, so they can for example promise reducing burocracy, then actually increase it and get away with it. It's nothing new really, before the current mess, we had Commies vs. ex-Solidarity people, both playing tricks instead of actually doing their jobs.
to protest, what would they actually protest to get? Something concrete and specific? No - there isn't any clear goal.
Good to see that you are with me.
The problem with jobs for young people or lack of jobs in general wasn't caused by Tusk forgetting to push "create jobs" button and now we can remind him to do so protesting and all will be great. It's the result of many many years of politicians not doing their job professionally. Instead of that, they managed to convince people here that being a politician is not about being a manager in a company called Poland but some damn messianic role, were actual decisions does not matter, what matters is that If you vote PiS, you must be a backward idiot from ex-PGR, says one group of clowns, vote for us, join modern Europeans, on the other hand you've got, they are traitors, want to make us a German colony, vote for us, only we can save Poland.
People bought that crap, so they can for example promise reducing burocracy, then actually increase it and get away with it. It's nothing new really, before the current mess, we had Commies vs. ex-Solidarity people, both playing tricks instead of actually doing their jobs.
Grzegorz_
23 Mar 2013
News / Poland Unemployment: Nobody protests, because people are leaving [30]
Yawn... again some anal theories... people do not protest because they should protest about what exactly ? Snow in late March ? Ah unemployment... yes, get million to the streets the French style and achieve big feckin nothing except problems with traffic for your own countrymen as It's not that anyone may get "unemployment" disappear...
Poles should put more pressure on politicians to actually do their job the right way, regardless of the party they belong to, this is where we have some homework to do, don't let the feckin bustards get away with screwing up their job but that's a very complex process, not something to protest against, you can protest against one thing, like ACTA... or whatever that shyt was called... how can one protest against unemployment or against the crisis... maybe let's protest against money not falling from the sky, that would be something.
Yawn... again some anal theories... people do not protest because they should protest about what exactly ? Snow in late March ? Ah unemployment... yes, get million to the streets the French style and achieve big feckin nothing except problems with traffic for your own countrymen as It's not that anyone may get "unemployment" disappear...
Poles should put more pressure on politicians to actually do their job the right way, regardless of the party they belong to, this is where we have some homework to do, don't let the feckin bustards get away with screwing up their job but that's a very complex process, not something to protest against, you can protest against one thing, like ACTA... or whatever that shyt was called... how can one protest against unemployment or against the crisis... maybe let's protest against money not falling from the sky, that would be something.
Grzegorz_
22 Mar 2013
History / For what the Germans owe Poland one trillion U.S. dollars? [299]
OK in some way yes... but what would you think If an Ukrainian was saying that his country is in so bad situation because their elites were first Polonized and Russificized for centuries and then murdered by the Soviets ? That's true but sounds like an excuse... Sovietization of Poland was never truly successful, there were many well qualified and non-Sovietized people in the 90's and anyway we made terrible mistakes, what's more we're still making them... just look what the red haired fecker is doing... and people let it happen. It's time to admit that we're getting ourselves into shyt, that should be the first step, without that, It's hard to change anything.
Of course it is fault of Germans and Russians because they murdered and killed our elite and during soviet occupation cultivated new soviet elite.
OK in some way yes... but what would you think If an Ukrainian was saying that his country is in so bad situation because their elites were first Polonized and Russificized for centuries and then murdered by the Soviets ? That's true but sounds like an excuse... Sovietization of Poland was never truly successful, there were many well qualified and non-Sovietized people in the 90's and anyway we made terrible mistakes, what's more we're still making them... just look what the red haired fecker is doing... and people let it happen. It's time to admit that we're getting ourselves into shyt, that should be the first step, without that, It's hard to change anything.
Grzegorz_
22 Mar 2013
Travel / How to get from Krakow ( KRK ) Airport to the town of Swidnik (Slovakia)? [6]
Not sure If that's the best option but looks like you can take a bus to Krosno (3.5 h) next a bus from Krosno to Barwinek (0.5 h) which is a village at the border... then you've got around 15 km left, not sure If there's any cross border bus line, at worst you can walk (3h) :))
I need to get from Krakow ( KRK ) Airport to the town of Swidnik (Slovakia).
Not sure If that's the best option but looks like you can take a bus to Krosno (3.5 h) next a bus from Krosno to Barwinek (0.5 h) which is a village at the border... then you've got around 15 km left, not sure If there's any cross border bus line, at worst you can walk (3h) :))
Grzegorz_
21 Mar 2013
Language / What is Szkole used for?? [8]
Hmm for example: w szkole (at school)
What is Szkole used for?
Hmm for example: w szkole (at school)
Grzegorz_
21 Mar 2013
Grzegorz_
21 Mar 2013
Law / Bank accounts taxed by up to 10%. Can it happen in Poland? [150]
Yes but the that has nothing to do with capitalism... Lending money to people or entities, who were not able to pay them back is totally against the basic idea behind capitalism... "Capitalism does not work" is the mantra repeated by "elites", which created this whole mess we have to deal with now and they just push away blame from themselves.
the banking crises is a side effect of the pursuit for profit in the shape of banks lending money that was not able to be paid back, boom there it is - plain and simple.
Yes but the that has nothing to do with capitalism... Lending money to people or entities, who were not able to pay them back is totally against the basic idea behind capitalism... "Capitalism does not work" is the mantra repeated by "elites", which created this whole mess we have to deal with now and they just push away blame from themselves.
Grzegorz_
21 Mar 2013
History / For what the Germans owe Poland one trillion U.S. dollars? [299]
You guys clearly have no clue how the take over of Poland by communists took place and what was the position of average Joe in these events.
How was Poland supposed to resist a German or Russian occupation if they were fighting among themselves?
Poland could have resisted communism if its military did not suffer mass execution of its officers at Katyn in 1940.
You guys clearly have no clue how the take over of Poland by communists took place and what was the position of average Joe in these events.
Grzegorz_
20 Mar 2013
History / For what the Germans owe Poland one trillion U.S. dollars? [299]
Well, let me put it this way... I doubt any serious historian or political scientists would agree with you on this one...
After WWII Poland was not of one mind, if they were they could have resisted Russian occupation and accepted the Marshall Plan.
Well, let me put it this way... I doubt any serious historian or political scientists would agree with you on this one...
Grzegorz_
19 Mar 2013
Law / Bank accounts taxed by up to 10%. Can it happen in Poland? [150]
You think governments making trillions in debt or pushing banks to give mortgages to anyone, who breathing are so capitalistic ? Pursuit for profit for profit is a healthy behavior, the problem is not enough capitalism, for the real economy, small companies, individuals... that and totally foolish budget/monetary policy led to what we have now. Blaming that on capitalism will only lead to more problems.
Very true.
It has everything to do with capitalism, it's the never ending pursuit for profit that has caused this mess.
You think governments making trillions in debt or pushing banks to give mortgages to anyone, who breathing are so capitalistic ? Pursuit for profit for profit is a healthy behavior, the problem is not enough capitalism, for the real economy, small companies, individuals... that and totally foolish budget/monetary policy led to what we have now. Blaming that on capitalism will only lead to more problems.
EU arrives in countries unprepared for it, throwns lots of FREE MONEIS IF YOU JOIN incentives, nukes the local economy with their retarded single currency, and then they force austerity and even worse fiscal measures to "save the Eurozone"?!
Very true.
Grzegorz_
19 Mar 2013
History / For what the Germans owe Poland one trillion U.S. dollars? [299]
The whole thing is not about WW2, nazis and so on but about post-WW2 nationalization...
The whole thing is not about WW2, nazis and so on but about post-WW2 nationalization...