{"id":179833,"date":"2026-10-25T08:00:57","date_gmt":"2026-10-25T07:00:57","guid":{"rendered":"https:\/\/likemetkovic.hr\/portal\/?p=179833"},"modified":"2026-10-25T08:01:19","modified_gmt":"2026-10-25T07:01:19","slug":"kamate-krediti","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/kamate-krediti\/","title":{"rendered":"Rastu kamate na stambene kredite: \u0160to to zna\u010di za gra\u0111ane koji planiraju kupnju nekretnine?"},"content":{"rendered":"<p>Zbog rata na Bliskom istoku i sve skupljih energenata, inflacija je po\u010dela rasti u gotovo cijelom svijetu. Kako bi je suzbile, sredi\u0161nje banke podi\u017eu referentne kamatne stope, objavio je <a href=\"https:\/\/vijesti.hrt.hr\/gospodarstvo\/kamate-2-12974219\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>HRT.<\/strong><\/a><\/p>\n<p>Rast kamatnih stopa ponovno postaje <strong>va\u017eno pitanje za gra\u0111ane<\/strong> koji planiraju kupnju stana ili ku\u0107e, ali i za one koji ve\u0107 otpla\u0107uju stambene kredite. Pojedine banke u Hrvatskoj ve\u0107 su pove\u0107ale kamate na nove stambene kredite, \u0161to bi moglo utjecati na tro\u0161kove budu\u0107ih kupaca nekretnina.<\/p>\n<p>Prema izvje\u0161taju<a href=\"https:\/\/vijesti.hrt.hr\/gospodarstvo\/kamate-2-12974219\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u00a0HRT-a<\/strong><\/a>, <strong>Erste banka od 1. listopada pove\u0107ala je kamatne stope za nove stambene kredite za 0,25 postotnih bodova.<\/strong> Kona\u010dna kamatna stopa ovisi o vrsti kredita i uvjetima koje banka nudi klijentu.<\/p>\n<h4>Kako rast kamata utje\u010de na mjese\u010dnu ratu?<\/h4>\n<p>I relativno malo pove\u0107anje kamatne stope mo\u017ee zna\u010diti ve\u0107i tro\u0161ak tijekom vi\u0161egodi\u0161nje otplate kredita. Koliki \u0107e biti u\u010dinak na pojedinog korisnika ovisi o iznosu kredita, roku otplate, postoje\u0107oj kamatnoj stopi i tome je li kamata fiksna ili promjenjiva.<\/p>\n<p>Kod kredita s promjenjivom kamatom promjena ugovorene kamatne stope mo\u017ee utjecati na iznos mjese\u010dne rate, u skladu s uvjetima ugovora. Kod kredita s fiksnom kamatom ugovorena stopa u pravilu ostaje nepromijenjena tijekom razdoblja na koje je fiksirana, pa pove\u0107anje stopa za nove kredite ne zna\u010di automatski i ve\u0107u ratu postoje\u0107ih korisnika.<\/p>\n<p>Zato je prije ugovaranja kredita va\u017eno <strong>usporediti ponude vi\u0161e banaka, provjeriti efektivnu kamatnu stopu i ukupan iznos koji \u0107e biti vra\u0107en do kraja otplate.<\/strong><\/p>\n<h4>Hrvatske kamate i dalje me\u0111u ni\u017eima u Europskoj uniji<\/h4>\n<p>Unato\u010d provedenim korekcijama, <strong>Hrvatska udruga banaka<\/strong> navodi da su prosje\u010dne kamatne stope u Hrvatskoj i dalje <strong>me\u0111u ni\u017eima u Europskoj uniji<\/strong>.<\/p>\n<p>Promjene se ne odnose samo na gra\u0111ane i stambene kredite. Vi\u0161i tro\u0161kovi zadu\u017eivanja odra\u017eavaju se i na dr\u017eavu, koja se financira izdavanjem obveznica. Prema izvje\u0161taju HRT-a, <strong>prinos na hrvatske desetogodi\u0161nje dr\u017eavne obveznice od po\u010detka godine porastao je za pribli\u017eno 0,7 do 0,8 postotnih bodova.<\/strong><\/p>\n<p>Ministarstvo financija priprema se i za novo izdanje me\u0111unarodnih obveznica u prvom tromjese\u010dju 2027. godine.<\/p>\n<h4>Na \u0161to gra\u0111ani trebaju obratiti pozornost?<\/h4>\n<p>Gra\u0111anima koji planiraju kupnju nekretnine preporu\u010duje se da prije odluke pa\u017eljivo usporede uvjete kreditiranja i procijene mogu li podnijeti eventualni rast mjese\u010dnih obveza.<\/p>\n<p>Posebno je va\u017eno provjeriti je li kamatna stopa fiksna ili promjenjiva, koliko dugo vrijedi fiksno razdoblje te pod kojim se uvjetima kamata mo\u017ee promijeniti. Kod postoje\u0107ih kredita ne treba pretpostavljati da \u0107e se rata automatski pove\u0107ati jer to ovisi o ugovorenim uvjetima.<\/p>\n<p>Za gra\u0111ane Metkovi\u0107a i doline Neretve, kao i ostatka Hrvatske, tro\u0161kovi financiranja jedan su od \u010dimbenika pri planiranju kupnje prve nekretnine ili rje\u0161avanja stambenog pitanja.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zbog rata na Bliskom istoku i sve skupljih energenata, inflacija je po\u010dela rasti u gotovo cijelom svijetu. Kako bi je suzbile, sredi\u0161nje banke podi\u017eu referentne kamatne stope, objavio je HRT. Rast kamatnih stopa ponovno postaje va\u017eno pitanje za gra\u0111ane koji planiraju kupnju stana ili ku\u0107e, ali i za one koji ve\u0107 otpla\u0107uju stambene kredite. Pojedine [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":179834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[8984,10348],"class_list":["post-179833","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ab","category-politika","tag-kamatne-stope","tag-stambeni-krediti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rastu kamate na stambene kredite: \u0160to to zna\u010di za gra\u0111ane koji planiraju kupnju nekretnine? - 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\/portal\/kamate-krediti\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rastu kamate na stambene kredite: \u0160to to zna\u010di za gra\u0111ane koji planiraju kupnju nekretnine? - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Zbog rata na Bliskom istoku i sve skupljih energenata, inflacija je po\u010dela rasti u gotovo cijelom svijetu. Kako bi je suzbile, sredi\u0161nje banke podi\u017eu referentne kamatne stope, objavio je HRT. Rast kamatnih stopa ponovno postaje va\u017eno pitanje za gra\u0111ane koji planiraju kupnju stana ili ku\u0107e, ali i za one koji ve\u0107 otpla\u0107uju stambene kredite. 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