{"id":102291,"date":"2020-05-25T08:23:04","date_gmt":"2020-05-25T06:23:04","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=102291"},"modified":"2020-05-25T08:23:04","modified_gmt":"2020-05-25T06:23:04","slug":"moratorij-nije-besplatan-iznos-koji-cete-vratiti-banci-bit-ce-veci","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/moratorij-nije-besplatan-iznos-koji-cete-vratiti-banci-bit-ce-veci\/","title":{"rendered":"Moratorij nije besplatan – iznos koji \u0107ete vratiti banci bit \u0107e ve\u0107i"},"content":{"rendered":"

Zbog pandemije gotovo 40.000 gra\u0111ana zatra\u017eilo je od banaka moratorij na otplatu kredita<\/strong>. Dosad je obra\u0111ena polovina zahtjeva, banke su nudile najmanje tri, a naj\u010de\u0161\u0107e i do \u0161est mjeseci po\u010deka. No moratorij nije besplatan pa \u0107e iznos koji \u0107ete na kraju vratiti banci ipak biti ve\u0107i, pi\u0161e HRT<\/a>.
\n<\/strong><\/p>\n

Dijana Doronti\u0107<\/strong>\u00a0dobro zna da moratorij ima svoju cijenu pa ga u ovoj situaciji ipak nije tra\u017eila.<\/p>\n

– Postoje dodatni tro\u0161kovi na koje ljudi nisu ra\u010dunali koji \u0107e im se pokazati kasnije kroz anuitete jer taj moratorij je samo dio koji se odnosi na dio glavnice, a kamatu morate i dalje pla\u0107ati, ka\u017ee Dijana Doronti\u0107.<\/p>\n

Zato su moratorij tra\u017eili samo oni koji su morali.<\/p>\n

– Oni kojima je pla\u0107a smanjena, oni su u obiteljskom krugu poku\u0161avali na\u0107i na\u010din da ne uzmu moratorij kad su vidjeli tro\u0161kove pove\u0107anja ukupne cijene kredita koja \u0107e se u kona\u010dnici dogoditi, ka\u017ee Sandra \u017diga<\/strong>, voditeljica Udruge “Franak”.<\/p>\n

Za vrijeme moratorija korisnik kredita mo\u017ee pla\u0107ati samo kamate. Ako nema novca, sada ne pla\u0107a ni\u0161ta, ali mu se za iznos kamata pove\u0107ava glavnica nakon isteka moratorija, pa \u0107e mu mjese\u010dni obrok biti ve\u0107i. Ili \u0107e iznos platiti na kraju otplate kredita.<\/p>\n

– Kamate se ne napla\u0107uju sad, one \u0107e se obra\u010dunavati i gra\u0111ani \u0107e to platiti, ali kod stambenog kredita to sti\u017ee tek za 10 godina. Zna\u010di, \u0161to ga dulje produljujete, na\u017ealost, tro\u0161ak moratorija mora biti ve\u0107i, obja\u0161njava Zdenko Adrovi\u0107<\/strong>\u00a0iz Hrvatske udruge banaka.<\/p>\n

U povoljnijem su polo\u017eaju oni koji su se manje zadu\u017eili, na kra\u0107e razdoblje i pri kraju su otplate.<\/p>\n

– U svakom slu\u010daju bolje prolaze oni koji su pri kraju otplate jer je udio kamate u anuitetu ili rati koju pla\u0107aju svakako manji. Me\u0111utim, ja bih rekao da je prosjek od 600 do 1000 eura, koliko \u0107e ko\u0161tati tri mjeseca, naravno ako produ\u017ee za jo\u0161 tri mjeseca jo\u0161 toliko, ka\u017ee financijski stru\u010dnjak Zoran Balija<\/strong>.<\/p>\n

Banke su i prije pandemije nudile moratorij. A najva\u017enije od svega je zatra\u017eiti ga na vrijeme. Jer kada korisnik jednom postane neuredni plati\u0161a, banke mu ga ne \u017eele odobriti.<\/p>\n","protected":false},"excerpt":{"rendered":"

Zbog pandemije gotovo 40.000 gra\u0111ana zatra\u017eilo je od banaka moratorij na otplatu kredita. Dosad je obra\u0111ena polovina zahtjeva, banke su nudile najmanje tri, a naj\u010de\u0161\u0107e i do \u0161est mjeseci po\u010deka. No moratorij nije besplatan pa \u0107e iznos koji \u0107ete na kraju vratiti banci ipak biti ve\u0107i, pi\u0161e HRT. Dijana Doronti\u0107\u00a0dobro zna da moratorij ima svoju […]<\/p>\n","protected":false},"author":7,"featured_media":100175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[6722,6820,7526],"class_list":{"0":"post-102291","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-banke","10":"tag-koronavirus","11":"tag-moratorij-na-kredite"},"yoast_head":"\nMoratorij nije besplatan - iznos koji \u0107ete vratiti banci bit \u0107e ve\u0107i - likemetkovic.hr<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/likemetkovic.hr\/moratorij-nije-besplatan-iznos-koji-cete-vratiti-banci-bit-ce-veci\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moratorij nije besplatan - iznos koji \u0107ete vratiti banci bit \u0107e ve\u0107i - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Zbog pandemije gotovo 40.000 gra\u0111ana zatra\u017eilo je od banaka moratorij na otplatu kredita. Dosad je obra\u0111ena polovina zahtjeva, banke su nudile najmanje tri, a naj\u010de\u0161\u0107e i do \u0161est mjeseci po\u010deka. No moratorij nije besplatan pa \u0107e iznos koji \u0107ete na kraju vratiti banci ipak biti ve\u0107i, pi\u0161e HRT. 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