{"id":152889,"date":"2024-03-12T08:31:30","date_gmt":"2024-03-12T07:31:30","guid":{"rendered":"https:\/\/likemetkovic.hr\/portal\/?p=152889"},"modified":"2024-03-12T08:31:50","modified_gmt":"2024-03-12T07:31:50","slug":"kamate-na-stambene-kredite-na-vrhuncu-za-isti-iznos-ove-godine-13-tisuca-eura-vise-u-kamatama","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/kamate-na-stambene-kredite-na-vrhuncu-za-isti-iznos-ove-godine-13-tisuca-eura-vise-u-kamatama\/","title":{"rendered":"Kamate na stambene kredite na vrhuncu? “Za isti iznos, ove godine 13 tisu\u0107a eura vi\u0161e u kamatama”"},"content":{"rendered":"

Jesu li kamate na stambene kredite na vrhuncu? Prema aktualnoj listi HNB-a, fiksne efektivne kamatne stope za nove stambene kredite kod 15 hrvatskih banaka kre\u0107u se od 4,01 posto do visokih 6,25 posto.<\/p>\n

“U ovim okolnostima, govorim iz vlastite perspektive, ja se sada ne bih usudio dizati kredit zbog cijena stanova, ali i kamatnih stopa\u201c ka\u017ee\u00a0Ivan\u00a0iz Zagreba, a\u00a0Lana\u00a0na sli\u010dnom tragu dodaje: “Nisam pametna, ali mo\u017eda bih pri\u010dekala s dizanjem kredita. Kamate mi trenuta\u010dno nisu po volji, a \u0161to \u0107e biti u budu\u0107nosti ne znamo.”<\/p>\n

Budu\u0107nost je neizvjesna navodi\u00a0RTL.hr\u00a0<\/a>. Fiksna efektivna kamatna stopa za nove stambene kredite kod nekih banaka prelazi visokih 6 posto. “Do\u0161li smo stvarno do nekih najvi\u0161ih to\u010daka u zadnjih par godina. Kada gledamo nekad davno u pro\u0161losti su bile puno ve\u0107e kamatne stope nego danas, ali cijena nekretnina je bila puno ni\u017ea. Razumijemo, i pla\u0107e \u2013 ali sve to sad nekako ide prema gore”, ka\u017ee\u00a0Ivona Mijatovi\u0107 Dautovi\u0107, vlasnica portala Moj bankar za Dnevnik RTL-a.<\/p>\n

Pove\u0107anje kamatnih stopa Europska sredi\u0161nja banka zaustavila je u rujnu pro\u0161le godine. Sni\u017eavanje bi trebalo nastupiti tijekom ljeta, a sve bismo trebali osjetiti i na kreditima u Hrvatskoj. Kada, te\u0161ko je prognozirati\u2026<\/p>\n

“Niti su kamatne stope na stambene i druge kredite jednakom dinamikom i brzinom slijedile rast kamatnih stopa ECB-a kad je ECB podizao kamatne stope, pa tako sad ne treba vjerovati da \u0107e kamatne stope padati istom dinamikom. Mogu\u0107e je da \u0107e one po\u010deti padati godinu dana nakon \u0161to ECB po\u010dne s trendom sni\u017eavanja kamatnih stopa”, ka\u017ee za\u00a0RTL Danas<\/a>\u00a0Marijana Ivanov, profesorica na Ekonomskom fakultetu u Zagrebu.<\/p>\n

\n

Ovo su trenuta\u010dni uvjeti. Uzmemo li za primjer kredit od 100 tisu\u0107a eura na 20 godina, mjese\u010dnu ratu pla\u0107at \u0107emo 60-ak eura vi\u0161e u odnosu na lani. “Prije godinu dana platili bismo 33 tisu\u0107e eura vi\u0161e, a ako danas podignemo kredit platit \u0107emo 46 tisu\u0107a eura na glavnicu\u201c, dodaje Mijatovi\u0107 Dautovi\u0107. Razlika je to od 13 tisu\u0107a eura, za isti kredit.No, du\u017enike sada dodatno \u0161titi maksimalna kamatna stopa. Svi krediti su s fiksnom kamatom bez obzira na rok dospije\u0107a.<\/p>\n

“Fiksna kamatna stopa je zasigurno po\u017eeljnija od promjenjive kamatne stope, me\u0111utim fiksna kamatna stopa od 6 posto je previ\u0161e, a ona do 4 je OK”, zaklju\u010duje profesorica Ivanov.Efektivne kamatne stope ve\u0107ine banaka trenutno se kre\u0107u izme\u0111u \u010detiri i pet posto, a bankama smo du\u017eni gotovo 22 milijarde eura.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Jesu li kamate na stambene kredite na vrhuncu? Prema aktualnoj listi HNB-a, fiksne efektivne kamatne stope za nove stambene kredite kod 15 hrvatskih banaka kre\u0107u se od 4,01 posto do visokih 6,25 posto. “U ovim okolnostima, govorim iz vlastite perspektive, ja se sada ne bih usudio dizati kredit zbog cijena stanova, ali i kamatnih stopa\u201c […]<\/p>\n","protected":false},"author":7,"featured_media":149827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[8984,3006],"class_list":{"0":"post-152889","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-kamatne-stope","10":"tag-stambeni-kredit"},"yoast_head":"\nKamate na stambene kredite na vrhuncu? 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