{"id":116138,"date":"2021-04-19T21:15:29","date_gmt":"2021-04-19T19:15:29","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=116138"},"modified":"2021-04-19T21:15:29","modified_gmt":"2021-04-19T19:15:29","slug":"stgle-ih-kamate-banke-duznicima-masno-naplatile-sestomjesecne-odgode-na-placanje-kredita","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/stgle-ih-kamate-banke-duznicima-masno-naplatile-sestomjesecne-odgode-na-placanje-kredita\/","title":{"rendered":"STGLE IH KAMATE Banke du\u017enicima masno naplatile \u0161estomjese\u010dne odgode na pla\u0107anje kredita"},"content":{"rendered":"<p>Na \u0161est mjeseci odgode na pla\u0107anje kredita gledalo se kao na spas za gra\u0111ane i gospodarstvenike. Banke su, potaknute dr\u017eavnim mjerama za o\u010duvanje radnih mjesta u izvanrednim okolnostima, omogu\u0107ile du\u017enicima predah\u00a0dok pandemija koronavirusa pro\u0111e ili se barem smiri. No, ni\u0161ta se od toga nije dogodilo, a dugovi sti\u017eu na naplatu, donosi\u00a0<a href=\"https:\/\/slobodnadalmacija.hr\/vijesti\/hrvatska\/banke-su-duznicima-masno-naplatile-cinjenicu-da-sest-mjeseci-nisu-placali-rate-kredita-a-mnogi-su-tek-sada-shvatili-zasto-im-je-ponuden-taj-aranzman-1092435\">Slobodna Dalmacija.<\/a><\/p>\n<p>I to s paprenim kamatama. Korisniku kredita za kupovinu automobila (podaci poznati redakciji op.a.) u iznosu od 120 tisu\u0107a kuna, \u0161est mjeseci odgode banka je naplatila 3500 kuna.<\/p>\n<p>&#8211; Da sve bude apsurdnije, sami su me zvali i nudili moratorij na otplatu kredita, a sad ispada da od moratorija nije bilo ni &#8220;m&#8221; jer su \u010dinjenicu da \u0161est mjeseci nisam pla\u0107ao rate kredita od 1400 kuna, masno naplatili. Mojoj prijateljici koja je uzela gotovinski kredit za opremanje apartmana, tobo\u017enju su odgodu naplatili \u010dak\u00a012 tisu\u0107a kuna &#8211; ka\u017ee na\u0161 sugovornik koji se smatra prevarenim.<\/p>\n<p>&#8211; Radi se o dospjelim kamatama. Banke nisu humanitarne udruge. One, izme\u0111u ostalog, \u017eive i od posu\u0111ivanja novca, zapravo to je njihova glavna djelatnost.\u00a0Gra\u0111ani, usmeno pristaju\u0107i na odgodu, nisu vodili ra\u010duna o tome da \u0107e im ona biti napla\u0107ena, rukovode\u0107i se logikom da je nastupio moratorij, me\u0111utim, taj moratorij, \u0161to se obveza na pla\u0107anja kredita ti\u010de, dr\u017eava nije uredila, a banke su mudro iskoristile tu \u010dinjenicu\u00a0&#8211; ka\u017ee Iskra Maras Jelavi\u0107, savjetnica za pravna pitanja u udruzi \u201cSplitski potro\u0161a\u010d\u201d.<\/p>\n<p>Moratorij podrazumijeva razdoblje dogovoreno izme\u0111u vjerovnika i du\u017enika u kojem je dopu\u0161tena odgoda pla\u0107anja glavnice ili ukupnog anuiteta. To je razdoblje \u010dekanja prije nego \u0161to du\u017enik po\u010dne ponovno upla\u0107ivati mjese\u010dne anuitete. Banke ne vole davati moratorij na otplatu kamata jer ih to prisiljava na\u00a0pove\u0107avanje\u00a0posebnih\u00a0rezervi.<\/p>\n<div class=\"item__related\">\n<p>Moratorij je uobi\u010dajen kod\u00a0studentskih\u00a0ili\u00a0stambenih kredita, ali ih banke uz posebni program i poticaj drzave mogu proglasiti i tijekom kriznih razdoblja kada postoji visoki makroekonomski rizik (ratovi, sankcije, elementarne nepogode i sli\u010dno).<\/p>\n<p>&#8211; Dr\u017eava je mogla urediti posebnim propisima moratorij na kredite sli\u010dno kao \u0161to su jedinice lokalne uprave i samouprave odlu\u010dile poduzetnicima koji zbog potresa ili pandemije nisu u mogu\u0107nosti raditi, ne napla\u0107ivati najam prostora u gradskom ili op\u0107inskom vlasni\u0161tvu &#8211; ka\u017ee Iskra Maras Jelavi\u0107, donosi\u00a0<a href=\"https:\/\/slobodnadalmacija.hr\/vijesti\/hrvatska\/banke-su-duznicima-masno-naplatile-cinjenicu-da-sest-mjeseci-nisu-placali-rate-kredita-a-mnogi-su-tek-sada-shvatili-zasto-im-je-ponuden-taj-aranzman-1092435\">Slobodna Dalmacija.<\/a><\/p>\n<p>Ho\u0107e li Hrvatsku sljede\u0107ih mjeseci zapljusnuti novi val ovrha?<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Na \u0161est mjeseci odgode na pla\u0107anje kredita gledalo se kao na spas za gra\u0111ane i gospodarstvenike. Banke su, potaknute dr\u017eavnim mjerama za o\u010duvanje radnih mjesta u izvanrednim okolnostima, omogu\u0107ile du\u017enicima predah\u00a0dok pandemija koronavirusa pro\u0111e ili se barem smiri. No, ni\u0161ta se od toga nije dogodilo, a dugovi sti\u017eu na naplatu, donosi\u00a0Slobodna Dalmacija. I to s [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":84526,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283,290],"tags":[6722,9227,4391,7627,7136],"class_list":{"0":"post-116138","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-a","8":"category-politika","9":"tag-banke","10":"tag-duznici","11":"tag-kamate","12":"tag-koronakriza","13":"tag-odgoda-placanja"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>STGLE IH KAMATE Banke du\u017enicima masno naplatile \u0161estomjese\u010dne odgode na pla\u0107anje kredita - 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\/stgle-ih-kamate-banke-duznicima-masno-naplatile-sestomjesecne-odgode-na-placanje-kredita\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"STGLE IH KAMATE Banke du\u017enicima masno naplatile \u0161estomjese\u010dne odgode na pla\u0107anje kredita - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Na \u0161est mjeseci odgode na pla\u0107anje kredita gledalo se kao na spas za gra\u0111ane i gospodarstvenike. Banke su, potaknute dr\u017eavnim mjerama za o\u010duvanje radnih mjesta u izvanrednim okolnostima, omogu\u0107ile du\u017enicima predah\u00a0dok pandemija koronavirusa pro\u0111e ili se barem smiri. No, ni\u0161ta se od toga nije dogodilo, a dugovi sti\u017eu na naplatu, donosi\u00a0Slobodna Dalmacija. 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