{"id":102900,"date":"2020-06-10T10:00:13","date_gmt":"2020-06-10T08:00:13","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=102900"},"modified":"2020-06-10T10:00:13","modified_gmt":"2020-06-10T08:00:13","slug":"koronakriza-ceka-li-nas-masovna-revizija-minusa-po-tekucim-racunima","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/koronakriza-ceka-li-nas-masovna-revizija-minusa-po-tekucim-racunima\/","title":{"rendered":"KORONAKRIZA \u010ceka li nas masovna revizija minusa po teku\u0107im ra\u010dunima?"},"content":{"rendered":"

Vode\u0107e hrvatske banke zasad ne namjeravaju mijenjati politiku izra\u010duna i odobravanja prekora\u010denja po teku\u0107em\u00a0ra\u010dunu od kojeg mnogi gra\u0111ani \u017eive.<\/p>\n

Ipak, upozoravaju ekonomisti, spirala koronakrize u koju je upala Hrvatska u\u010dinit \u0107e svoje pa se ve\u0107 sada mo\u017ee re\u0107i kako je sasvim izgledno da \u0107e se s vremenom po\u010deti smanjivati i minusi po teku\u0107im ra\u010dunima, pi\u0161e Index.hr<\/a>.<\/p>\n

– Ako se poka\u017ee da ti krediti imaju trend porasta nenaplativosti, banke \u0107e ih po\u010deti smanjivati. Bojim se da \u0107emo zbog krize imati taj trend jer raste nezaposlenost i smanjuju se pla\u0107e pa bi i banke mogle redefinirati uvjete za odobravanje minusa po teku\u0107im ra\u010dunima<\/em>, upozorava ekonomski analiti\u010dar Damir Novotny.<\/p>\n

\u0160to ka\u017eu u bankama?<\/b><\/p>\n

– U slu\u010daju da do toga do\u0111e, banka \u0107e klijenta obavijestiti o smanjenju ili ukidanju prekora\u010denja, neovisno o vrsti razloga, te mu ponuditi obro\u010dnu otplatu umanjenog ili ukinutog iznosa na 12 obroka i uz primjenu kamatne stope koju je klijent imao ugovorenu za kori\u0161tenje pre\u0161utnog prekora\u010denja<\/em>, ka\u017eu u Zagreba\u010dkoj banci<\/strong> dodaju\u0107i da zasad ni\u0161ta nisu mijenjali u politici odobravanja minusa po teku\u0107em ra\u010dunu.<\/p>\n

Napominju i da su svim klijentima kojima su odobrili moratorij po bilo kojoj vrsti kredita i bez obzira na smanjenje ili izostanak pla\u0107e omogu\u0107ili da postoje\u0107i minus po teku\u0107em ra\u010dunu zadr\u017ee 12 mjeseci.<\/p>\n

– PBZ nije mijenjao model izra\u010duna prekora\u010denja. Ujedno napominjemo da je u sklopu Covid mjera pomo\u0107i banka omogu\u0107ila korisnicima prekora\u010denja po teku\u0107em ra\u010dunu zadr\u017eavanje postoje\u0107e visine prekora\u010denja neovisno o promjeni u primanjima na period od \u0161est mjeseci,<\/em> isti\u010du u Privrednoj banci Zagreb<\/strong>.<\/p>\n

– Iznos pre\u0161utnog prekora\u010denja po teku\u0107em ra\u010dunu odre\u0111uje se individualno, za svakog klijenta posebno, do maksimalno tri mjese\u010dne pla\u0107e, odnosno do najvi\u0161e 50.000 kuna, a u obzir se uzima neto pla\u0107a, bez posebnih dodataka poput prijevoza ili naknade za topli obrok. Erste banka nije u posljednje vrijeme uvodila promjene kod izra\u010duna visine pre\u0161utnog prekora\u010denja te nema u planu postro\u017eiti kriterije za njegovo odobravanje. Me\u0111utim, banka redovito prati parametre temeljem kojih klijentima odobrava iznose pre\u0161utnih prekora\u010denja, poput smanjenja ili izostanka redovnih mjese\u010dnih primanja, urednosti obveza prema banci i sli\u010dno<\/em>, stoji u odgovoru Erste banke na na\u0161 upit.<\/p>\n

Banke u koronakrizi zamrznule\u00a0minuse po teku\u0107im ra\u010dunima<\/strong><\/p>\n

I u Raiffeisen banci ka\u017eu da nema promjena u odobravanju prekora\u010denja po teku\u0107im ra\u010dunima.<\/p>\n

– Iznos prekora\u010denja koji se stavlja na raspolaganje utvr\u0111uje banka prema vlastitoj procjeni temeljem procjene kreditne sposobnosti, pa\u0107enjem i procjenom urednosti u poslovanju sukladno internim pravilima<\/em>, poru\u010duju iz Raiffeisen banke<\/strong>.<\/p>\n

U OTP banci<\/strong> isti\u010du da su jo\u0161 na po\u010detku koronakrize kao jednu od mjera pomo\u0107i gra\u0111anima do 1. rujna obustavili redovito a\u017euriranje visine dozvoljenog minusa.<\/p>\n

– Ni nakon 1. rujna banka ne\u0107e mijenjati svoja pravila, odnosno u redovite prihode ra\u010dunamo, kao i do sada, priljeve koje poslodavac ispla\u0107uje uz redovna primanja. Visina prekora\u010denja se a\u017eurira dva puta godi\u0161nje, pri \u010demu se izra\u010dunava novi prosjek temeljem redovnih prihoda u prethodna tri mjeseca<\/em>, obja\u0161njavaju u OTP-u.<\/p>\n

– Addiko banka<\/strong> je u travnju ove godine zaustavila promjene iznosa odobrenog prekora\u010denja po teku\u0107im ra\u010dunima te se iznosi prekora\u010denja ne\u0107e mijenjati do 31. prosinca 2020. godine. Po\u010detkom studenoga obavijestit \u0107emo klijente o novim iznosima prekora\u010denja po teku\u0107em ra\u010dunu koji \u0107e biti na raspolaganju od 1. sije\u010dnja 2021.<\/em>, isti\u010du u Addiku.<\/p>\n

Vi\u0161e na Index.hr<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vode\u0107e hrvatske banke zasad ne namjeravaju mijenjati politiku izra\u010duna i odobravanja prekora\u010denja po teku\u0107em\u00a0ra\u010dunu od kojeg mnogi gra\u0111ani \u017eive. Ipak, upozoravaju ekonomisti, spirala koronakrize u koju je upala Hrvatska u\u010dinit \u0107e svoje pa se ve\u0107 sada mo\u017ee re\u0107i kako je sasvim izgledno da \u0107e se s vremenom po\u010deti smanjivati i minusi po teku\u0107im ra\u010dunima, pi\u0161e […]<\/p>\n","protected":false},"author":7,"featured_media":92052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,1027],"tags":[6722,7626,7627],"class_list":{"0":"post-102900","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-hrvatska","9":"tag-banke","10":"tag-dozvoljeno-prekoracenje","11":"tag-koronakriza"},"yoast_head":"\nKORONAKRIZA \u010ceka li nas masovna revizija minusa po teku\u0107im ra\u010dunima? - 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\/koronakriza-ceka-li-nas-masovna-revizija-minusa-po-tekucim-racunima\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KORONAKRIZA \u010ceka li nas masovna revizija minusa po teku\u0107im ra\u010dunima? - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Vode\u0107e hrvatske banke zasad ne namjeravaju mijenjati politiku izra\u010duna i odobravanja prekora\u010denja po teku\u0107em\u00a0ra\u010dunu od kojeg mnogi gra\u0111ani \u017eive. 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