{"id":122278,"date":"2021-08-30T22:22:56","date_gmt":"2021-08-30T20:22:56","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=122278"},"modified":"2021-08-30T22:22:56","modified_gmt":"2021-08-30T20:22:56","slug":"hnb-o-zatvaranju-minusa-na-racunima-zbog-presutnog-prekoracenja-nece-doci-do-duznicke-krize","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/hnb-o-zatvaranju-minusa-na-racunima-zbog-presutnog-prekoracenja-nece-doci-do-duznicke-krize\/","title":{"rendered":"HNB o zatvaranju minusa na ra\u010dunima zbog pre\u0161utnog prekora\u010denja: Ne\u0107e do\u0107i do du\u017eni\u010dke krize"},"content":{"rendered":"

Nakon dana\u0161njeg teksta u Ve\u010dernjem listu pod naslovom Zatvaraju se minusi na ra\u010dunu, 840.000 ljudi u du\u017eni\u010dkoj krizi<\/em>, oglasila se i Hrvatska narodna banka<\/strong> (HNB) priop\u0107enjem za javnost.<\/p>\n

Njime \u017eele ukazati na \u010dinjenice koje se odnose na inicijativu HNB-a za unapre\u0111enje polo\u017eaja potro\u0161a\u010da prilikom kori\u0161tenja prekora\u010denja po teku\u0107em ra\u010dunu.<\/p>\n

HNB u priop\u0107enju isti\u010de da nisu pokrenuli inicijativu za ukidanje postoje\u0107ih pre\u0161utnih prekora\u010denja, ve\u0107 za sni\u017eenje njihove cijene<\/strong>.<\/p>\n

Naime, ispitivanjem praksi banaka vezano uz pre\u0161utna prekora\u010denja<\/strong>, utvr\u0111eno je da je cijena pre\u0161utnih prekora\u010denja prosje\u010dno 30% vi\u0161a od cijene dopu\u0161tenih prekora\u010denja, a da pritom nije utvr\u0111ena bilo kakva druga razlika izme\u0111u ta dva oblika prekora\u010denja, posebno ne ona koja bi bila u korist potro\u0161a\u010da. Stoga iz HNB-a smatraju da nema opravdanja niti za vi\u0161u cijenu.<\/p>\n

Iz HNB-a predla\u017eu maksimalni iznos pre\u0161utnog prekora\u010denja od 1.500 kuna<\/strong> te isti\u010du da se on odnosi na one teku\u0107e ra\u010dune koje \u0107e gra\u0111ani tek otvoriti. Dakle, prema inicijativi HNB-a za novootvoreni teku\u0107i ra\u010dun ne\u0107e biti mogu\u0107e odobriti pre\u0161utno prekora\u010denje u iznosu ve\u0107em od 1.500 kuna, ali \u0107e biti mogu\u0107e odobriti dopu\u0161teno prekora\u010denje u bilo kojem iznosu kojeg svaka banka definira. Dopu\u0161teno prekora\u010denje nema ograni\u010denja iznosa, ali ima ograni\u010denja maksimalno dopu\u0161tene cijene, odnosno EKS-a, obvezu cjelovitog informiranja i ugovaranja, kao i postupne otplate u slu\u010daju smanjenja ili ukidanja. Time potro\u0161a\u010di ostvaruju bolju za\u0161titu u odnosu na pre\u0161utna prekora\u010denja.<\/p>\n

Pre\u0161utna prekora\u010denja postala su dominantna<\/strong> u odnosu na dopu\u0161tena posljednjih nekoliko godina, prvenstveno zbog nedore\u010denih zakonskih odredbi. Iz toga razloga je inicijativa HNB-a usmjerena na preciznije definiranje uvjeta pre\u0161utnih i dopu\u0161tenih prekora\u010denja, kako bi se uspostavilo okru\u017eenje u kojem \u0107e oba proizvoda mo\u0107i funkcionirati u onoj ulozi za koju su namijenjeni \u2013 dopu\u0161teno prekora\u010denje kao oblik ugovora o kreditu, a pre\u0161utno prekora\u010denje kao svojevrsni osigura\u010d za hitne potrebe \u2013 manjih iznosa, bez ograni\u010denja cijene, bez detaljnog informiranja i ugovaranja.<\/p>\n

\u201cS obzirom na medijske napise o tome da su banke poslale svojim klijentima obavijesti<\/strong> o ukidanju prekora\u010denja, \u017eelimo istaknuti da preliminarne provjere HNB-a ne ukazuju da su banke svojim klijentima masovno po\u010dele slati obavijesti o ukidanju ili smanjenju iznosa pre\u0161utnih prekora\u010denja, a posebno ne da su banke takve obavijesti uputile 840.000 korisnika pre\u0161utnih prekora\u010denja<\/strong> kako bi se moglo zaklju\u010diti iz naslova spomenutog \u010dlanka. Detaljne provjere su u tijeku, a ovisno o rezultatima tih provjera, HNB \u0107e definirati daljnje postupanje. Nadalje, zbog dodatnih medijskih upita jo\u0161 jednom isti\u010demo kako je na temelju istra\u017eivanja prakse banaka koje je HNB proveo 2020. godine utvr\u0111eno da je otvoreno 2.593.929 teku\u0107ih ra\u010duna na koje gra\u0111ani primaju redoviti priljev (pla\u0107u ili mirovinu) temeljem kojega se mo\u017ee odobriti prekora\u010denje. Za potrebe konkretnog ispitivanja HNB-a, nije prikupljen podatak o tome koliko je ukupno otvoreno teku\u0107ih ra\u010duna gra\u0111ana u bankama i taj je broj zasigurno ve\u0107i od prethodno navedenoga jer gra\u0111ani mogu imati i vi\u0161e otvorenih teku\u0107ih ra\u010duna u bankama\u201d, pi\u0161e u priop\u0107enju.<\/p>\n

Prekora\u010denje je odobreno po 1.827.992 ra\u010duna, od toga 94.152 dopu\u0161tenih, a 1.733.840 pre\u0161utnih prekora\u010denja. Prosje\u010dna visina odobrenog prekora\u010denja je 10.558 kn<\/strong>. Najni\u017ei prosjek odobrenog prekora\u010denja u nekoj banci iznosi 4.391 kn, a najvi\u0161i 32.560 kn. U banci koja ima najvi\u0161i postotak iskori\u0161tenosti prekora\u010denja, on iznosi 93%. Na razini cijelog tr\u017ei\u0161ta prosjek iskori\u0161tenosti prekora\u010denja je 65%.<\/p>\n

\n
<\/div>\n<\/div>\n

Prosje\u010dno odobreno dopu\u0161teno prekora\u010denje iznosi 12.295 kn<\/strong>, a koristi ga 31.704 potro\u0161a\u010da. Prosje\u010dna efektivna kamatna stopa (EKS) za dopu\u0161tena prekora\u010denja izra\u010dunata za reprezentativne primjere iznosi 7,60%<\/strong>, najni\u017ea 6,38 %, a najvi\u0161a 8,11% (iskazani najvi\u0161i EKS je u trenutku prikupljanja podataka za istra\u017eivanje bio i maksimalni dopu\u0161teni).<\/p>\n

Prosje\u010dno odobreno pre\u0161utno prekora\u010denje iznosi 8.821 kn, a koristi ga 839.920 gra\u0111ana. Prosje\u010dni EKS za pre\u0161utna prekora\u010denja izra\u010dunat za reprezentativne primjere iznosi 10,97%, najni\u017ei 8,11%, a najvi\u0161i 17,37%<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nakon dana\u0161njeg teksta u Ve\u010dernjem listu pod naslovom Zatvaraju se minusi na ra\u010dunu, 840.000 ljudi u du\u017eni\u010dkoj krizi, oglasila se i Hrvatska narodna banka (HNB) priop\u0107enjem za javnost. Njime \u017eele ukazati na \u010dinjenice koje se odnose na inicijativu HNB-a za unapre\u0111enje polo\u017eaja potro\u0161a\u010da prilikom kori\u0161tenja prekora\u010denja po teku\u0107em ra\u010dunu. HNB u priop\u0107enju isti\u010de da nisu […]<\/p>\n","protected":false},"author":7,"featured_media":107103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283,290],"tags":[9874,4111,9873],"class_list":{"0":"post-122278","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-a","8":"category-politika","9":"tag-banke-klijenti","10":"tag-hnb","11":"tag-presutno-prekoracenje"},"yoast_head":"\nHNB o zatvaranju minusa na ra\u010dunima zbog pre\u0161utnog prekora\u010denja: Ne\u0107e do\u0107i do du\u017eni\u010dke krize - 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\/hnb-o-zatvaranju-minusa-na-racunima-zbog-presutnog-prekoracenja-nece-doci-do-duznicke-krize\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HNB o zatvaranju minusa na ra\u010dunima zbog pre\u0161utnog prekora\u010denja: Ne\u0107e do\u0107i do du\u017eni\u010dke krize - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Nakon dana\u0161njeg teksta u Ve\u010dernjem listu pod naslovom Zatvaraju se minusi na ra\u010dunu, 840.000 ljudi u du\u017eni\u010dkoj krizi, oglasila se i Hrvatska narodna banka (HNB) priop\u0107enjem za javnost. Njime \u017eele ukazati na \u010dinjenice koje se odnose na inicijativu HNB-a za unapre\u0111enje polo\u017eaja potro\u0161a\u010da prilikom kori\u0161tenja prekora\u010denja po teku\u0107em ra\u010dunu. 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