{"id":120980,"date":"2021-07-31T15:42:37","date_gmt":"2021-07-31T13:42:37","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=120980"},"modified":"2021-07-31T15:42:37","modified_gmt":"2021-07-31T13:42:37","slug":"nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje\/","title":{"rendered":"Nova pravila za minuse na ra\u010dunima: banke vi\u0161e ne\u0107e mo\u0107i dodatno napla\u0107ivati \u2018pre\u0161utno\u2018 prekora\u010denje"},"content":{"rendered":"<p>Pre\u0161utni minusi koji su banke do sada odobravale klijentima ubudu\u0107e \u0107e biti ograni\u010deni, kako u iznosu tako i pogledu visine kamatne stope koju banke napla\u0107uju na te iznose, pi\u0161e <a href=\"https:\/\/www.jutarnji.hr\/vijesti\/hrvatska\/stizu-nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje-15091979\" target=\"_blank\" rel=\"noopener\">Jutarnji list<\/a>.<\/p>\n<p>HNB pokre\u0107e inicijativu za izmjenu i dopunu Zakona o potro\u0161a\u010dkom kreditiranju kojima se bankama propisuju nova pravila za pre\u0161utno &#8220;kreditiranje&#8221; putem teku\u0107ih ra\u010duna. Kod postoje\u0107ih ugovora ograni\u010da se efektivna kamatna stopa na iznose koji prema\u0161uju dogovoreno prekora\u010denje, a znali su biti do 30 posto skuplji i dosezati iznos nekoliko puta ve\u0107i od redovitih primanja. Tako\u0111er, ako do\u0111e do njegova smanjenja ili ukidanja, banke \u0107e klijentima morati ponuditi otplatu duga u 12 rata.<\/p>\n<h4>Praksa banaka<\/h4>\n<p>Prilikom ugovaranja novih ugovora kredita, maksimalan iznos pre\u0161utnog prekora\u010denja bit \u0107e 1.500 kuna. Ako njegovo trajanje bude &#8220;zna\u010dajno&#8221;, du\u017ee od 90 dana, te u &#8220;zna\u010dajnom&#8221; iznosu, banka mora klijentu ponuditi odgovaraju\u0107i kreditni proizvod, dopu\u0161teno prekora\u010denje ili kredit, kojim \u0107e zamijeniti pre\u0161utno prekora\u010denje. HNB ocjenjuje da \u0107e se tim izmjenama odmah ostvariti \u201cdjelomi\u010dno unapre\u0111enje za\u0161tite potro\u0161a\u010da u odnosu na postoje\u0107e stanje\u201d, te da \u0107e se postupno uspostaviti okru\u017eje za funkcioniranje oba proizvoda u onoj ulozi za koju su namijenjeni. Inicijativu je podr\u017ealo i Ministarstvo financija, formalni podnositelj izmjena zakona, a HNB o\u010dekuje da \u0107e njegove preporuke uzeti u obzir pri prvoj sljede\u0107oj izmjeni Zakona o potro\u0161a\u010dkom kreditiranju. U me\u0111uvremenu, o\u010dekuje \u201cda banke bez odgode zapo\u010dnu s odgovaraju\u0107im aktivnostima kako bi svoje prakse uskladile s najavljenim izmjenama i dopunama&#8221; zakona.<\/p>\n<p>Podloga za ovu inicijativu je provedeno istra\u017eivanje prakse banaka kojim je utvr\u0111eno da 70 posto potro\u0161a\u010da s otvorenim teku\u0107im ra\u010dunima na koje primaju redovna primanja ima odobreno prekora\u010denje. Pri tome 95 posto svih prekora\u010denja \u010dine pre\u0161utna prekora\u010denja, koja su u prosjeku 30 posto skuplja od dopu\u0161tenih prekora\u010denja \u201ci nerijetko iznose do 300 posto prosje\u010dnih mjese\u010dnih primanja\u201d.<\/p>\n<h4>Manji iznosi<\/h4>\n<p>Dok su dopu\u0161tena prekora\u010denja predstavljala ugovor o kreditu, uz punu za\u0161titu potro\u0161a\u010da, pre\u0161utno prekora\u010denje, obja\u0161njava HNB, je poslovni odnos reguliran ugovorom o teku\u0107em ra\u010dunu i banka ima samo obvezu pru\u017eiti informacije o kamatnoj stopi i naknadama, nije bilo potrebne procjene kreditne sposobnosti, ograni\u010denja visine kamate niti obro\u010dne otplate u slu\u010daju smanjenja ili ukidanja prekora\u010denja, pi\u0161e <a href=\"https:\/\/www.jutarnji.hr\/vijesti\/hrvatska\/stizu-nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje-15091979\" target=\"_blank\" rel=\"noopener\">Jutarnji list<\/a>.<\/p>\n<p>Po\u010detak ve\u0107eg odobravanja pre\u0161utnih prekora\u010denja uslijedio je nakon dono\u0161enja Odluke o efektivnoj kamatnoj stopi krajem 2017. godine i dva proizvoda su se stopila u jedan, ali uz zna\u010dajno vi\u0161u cijenu koju su potro\u0161a\u010di pla\u0107ali za istu uslugu, s obzirom na to da su dva proizvoda izjedna\u010dena u svojim funkcionalnostima. Osim toga, oni kojima je odobreno pre\u0161utno prekora\u010denje bez zahtjeva, pretpostavlja se da nisu ni svjesni kreditnog odnosa u koji ulaze kori\u0161tenjem tog prekora\u010denja.<\/p>\n<p>HNB smatra da bi ono trebalo biti iznimka, a ne pravilo, a banke ga odobravati u manjim iznosima.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pre\u0161utni minusi koji su banke do sada odobravale klijentima ubudu\u0107e \u0107e biti ograni\u010deni, kako u iznosu tako i pogledu visine kamatne stope koju banke napla\u0107uju na te iznose, pi\u0161e Jutarnji list. HNB pokre\u0107e inicijativu za izmjenu i dopunu Zakona o potro\u0161a\u010dkom kreditiranju kojima se bankama propisuju nova pravila za pre\u0161utno &#8220;kreditiranje&#8221; putem teku\u0107ih ra\u010duna. Kod [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":117902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[9720,7580,4391,9721],"class_list":{"0":"post-120980","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-banak","10":"tag-hrvatska-narodna-banka","11":"tag-kamate","12":"tag-tekuci-racun"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nova pravila za minuse na ra\u010dunima: banke vi\u0161e ne\u0107e mo\u0107i dodatno napla\u0107ivati \u2018pre\u0161utno\u2018 prekora\u010denje - 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\/nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nova pravila za minuse na ra\u010dunima: banke vi\u0161e ne\u0107e mo\u0107i dodatno napla\u0107ivati \u2018pre\u0161utno\u2018 prekora\u010denje - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Pre\u0161utni minusi koji su banke do sada odobravale klijentima ubudu\u0107e \u0107e biti ograni\u010deni, kako u iznosu tako i pogledu visine kamatne stope koju banke napla\u0107uju na te iznose, pi\u0161e Jutarnji list. HNB pokre\u0107e inicijativu za izmjenu i dopunu Zakona o potro\u0161a\u010dkom kreditiranju kojima se bankama propisuju nova pravila za pre\u0161utno &#8220;kreditiranje&#8221; putem teku\u0107ih ra\u010duna. Kod [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/likemetkovic.hr\/nova-pravila-za-minuse-na-racunima-banke-vise-nece-moci-dodatno-naplacivati-presutno-prekoracenje\/\" \/>\n<meta property=\"og:site_name\" content=\"likemetkovic.hr\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/likemetkovic.hr\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-31T13:42:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/likemetkovic.hr\/wp-content\/uploads\/2021\/05\/bankomat-novac.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"532\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"K. 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