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Transfer of negative interest rates to borrowers

As is known, the interest rate for financing has declined significantly in recent years. The relevant interest rate indicators for variable-rate loans have, for years, fallen below the limit of 0 and are still negative (3M-EURIBOR since 2015, 3M-CHF-LIBOR since 2014). This favorable situation for borrowers is saddened by the fact that the banks often do not pass on the advantages of the lower or negative interest rates to the customers. As a result, a court review of banks’ practices on interest rate adjustment has been carried out by the Supreme Court (OGH) in the recent past. We have noted that, despite the legal situation and despite the court decisions taken, many banks are still unlawful in their interest calculation.

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