{"id":95873,"date":"2020-01-04T09:23:08","date_gmt":"2020-01-04T08:23:08","guid":{"rendered":"https:\/\/likemetkovic.hr\/?p=95873"},"modified":"2020-01-04T09:23:08","modified_gmt":"2020-01-04T08:23:08","slug":"banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit","status":"publish","type":"post","link":"https:\/\/likemetkovic.hr\/portal\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/","title":{"rendered":"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit"},"content":{"rendered":"

Krediti su mo\u017eda jeftiniji, no to ne zna\u010di da \u0107e biti dostupniji. Banke su navodno odlu\u010dile od polovice idu\u0107e godine vratiti crnu listu du\u017enika<\/strong> koja je privremeno bila obustavljena.<\/p>\n

Zagreba\u010dka banka je s 1. sije\u010dnja snizila promjenjive kamatne stope na postoje\u0107e kredite. Na postoje\u0107e stambene i druge kredite kod kojih se kao parametar koristi \u0161estomjese\u010dna NRS1, za kredite u kunama kamatna stopa smanjila se za 0,10 postotnih poena, a za kredite vezane uz euro kamatna stopa smanjila se za 0,09 postotnih poena, pi\u0161e danas\u00a0Novi list<\/a>.<\/p>\n

<\/div>\n

U Zabi ka\u017eu da kod ostalih postoje\u0107ih kredita, kod kojih banka koristi \u0161estomjese\u010dnu NRS2, dolazi do smanjenja kamatne stope kredita u kunama za 0,06 postotnih poena, a za kredite vezane uz valutu EUR smanjenje iznosi 0,07 postotnih poena. Hrvatska po\u0161tanska banka je tako\u0111er 1. sije\u010dnja 2020. snizila kamatne stope na sve postoje\u0107e kredite s promjenjivom kamatnom stopom. HPB kamate sni\u017eava u skladu s padom nacionalnih referentnih stopa za kune od 0,10 postotnih poena i eure od 0,09 postotnih poena, \u010dime se nastavljaju smanjivati anuiteti za korisnike kredita s promjenjivom kamatnom stopom.<\/p>\n

Najni\u017ee kamate za stambene kredite HPB-a su 2,9 posto (EKS 3,02 posto), kunski uz valutnu klauzulu u EURU, te 5,25 posto (EKS 6,12 posto) za nenamjenske kredite. Nacionalne referentne stope sni\u017eavaju se kontinuirano, a HPB svoju konkurentnost ja\u010da i dodatnim smanjenjima kamata te uvo\u0111enjem drugih pogodnosti kojima olak\u0161ava otplatu korisnicima razli\u010ditih vrsta kredita. Banka nastavlja odobravati sve vrste nenamjenskih kredita bez naknade za obradu kreditnog zahtjeva, navodi se, pi\u0161e Novi list.<\/p>\n

Ekspanzivne monetarne politike<\/h3>\n
<\/div>\n

Op\u0107i trend pada kamatnih stopa o\u010dekuje se i tijekom cijele 2020., budu\u0107i da su monetarne politike sredi\u0161njih banaka i dalje ekspanzivne. Klju\u010dna stopa Europske sredi\u0161nje banke je \u010dak i negativna, \u0161to utje\u010de na to da je cijena novca u eurozoni, te zemljama koje joj ve\u0107 gravitiraju, poput Hrvatske, sve ni\u017ea. Ni ve\u0107e doma\u0107e banke, ni Hrvatska narodna banka, u Hrvatskoj ne o\u010dekuju negativne kamatne stope. Ni na depozite, a kamoli na kredite, na koje je kamata, u slu\u010daju stambenih kredita i dalje dvostruko vi\u0161a u odnosu na prosjek eurozone.<\/p>\n

I dok \u0107e kamate i dalje padati, otvara se pitanje nekih rizika, posebno kod potro\u0161a\u010dkog kreditiranja. Zbog problemati\u010dnosti, u sredi\u0161njoj banci su izdali preporuku o stro\u017eim uvjetima njihova odobravanja. Guverner\u00a0Boris Vuj\u010di\u0107<\/strong>\u00a0potvrdio je za Novi list da \u0107e idu\u0107e godine HNB dodatno poja\u010dati pra\u0107enje uvjeta pod kojima poslovne banke odobravaju sve vrste kredita.<\/p>\n

Krediti ne\u0107e biti dostupniji<\/h3>\n

Krediti su mo\u017eda jeftiniji, no to ne zna\u010di da \u0107e biti dostupniji. Banke su navodno odlu\u010dile od polovice idu\u0107e godine vratiti crnu listu du\u017enika koja je privremeno bila obustavljena. U Hrvatskoj se o\u010dito pokrenula potro\u0161nja, potro\u0161a\u010dko kreditiranje, kao glavna poluga rasta. No, pitanje je je li to posljedica zapo\u0161ljavanja i stvarnog rasta produktivnosti. Ako nije onda bi rije\u010d mogla biti i o povratku \u201c\u017eivota na dug\u201d koji je bio dominantan prije globalne krize 2008., pi\u0161e Novi list.<\/p>\n","protected":false},"excerpt":{"rendered":"

Krediti su mo\u017eda jeftiniji, no to ne zna\u010di da \u0107e biti dostupniji. Banke su navodno odlu\u010dile od polovice idu\u0107e godine vratiti crnu listu du\u017enika koja je privremeno bila obustavljena. Zagreba\u010dka banka je s 1. sije\u010dnja snizila promjenjive kamatne stope na postoje\u0107e kredite. Na postoje\u0107e stambene i druge kredite kod kojih se kao parametar koristi \u0161estomjese\u010dna […]<\/p>\n","protected":false},"author":8,"featured_media":92052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[296,290],"tags":[6722,5019,6721],"class_list":{"0":"post-95873","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ab","8":"category-politika","9":"tag-banke","10":"tag-kredit","11":"tag-pad-kamata"},"yoast_head":"\nBanke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - 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\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - likemetkovic.hr\" \/>\n<meta property=\"og:description\" content=\"Krediti su mo\u017eda jeftiniji, no to ne zna\u010di da \u0107e biti dostupniji. Banke su navodno odlu\u010dile od polovice idu\u0107e godine vratiti crnu listu du\u017enika koja je privremeno bila obustavljena. Zagreba\u010dka banka je s 1. sije\u010dnja snizila promjenjive kamatne stope na postoje\u0107e kredite. Na postoje\u0107e stambene i druge kredite kod kojih se kao parametar koristi \u0161estomjese\u010dna […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/\" \/>\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=\"2020-01-04T08:23:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/likemetkovic.hr\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"554\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"LIKEmetkovic.hr\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"LIKEmetkovic.hr\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/\",\"url\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/\",\"name\":\"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - likemetkovic.hr\",\"isPartOf\":{\"@id\":\"https:\/\/likemetkovic.hr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg\",\"datePublished\":\"2020-01-04T08:23:08+00:00\",\"author\":{\"@id\":\"https:\/\/likemetkovic.hr\/#\/schema\/person\/adba0fd43631b5fc581c97e6ca793693\"},\"breadcrumb\":{\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#breadcrumb\"},\"inLanguage\":\"hr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"hr\",\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage\",\"url\":\"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg\",\"contentUrl\":\"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg\",\"width\":800,\"height\":554},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Po\u010detna stranica\",\"item\":\"https:\/\/likemetkovic.hr\/portal\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/likemetkovic.hr\/#website\",\"url\":\"https:\/\/likemetkovic.hr\/\",\"name\":\"likemetkovic.hr\",\"description\":\"Misli pozitivno... \u010ditaj LIKE\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/likemetkovic.hr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"hr\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/likemetkovic.hr\/#\/schema\/person\/adba0fd43631b5fc581c97e6ca793693\",\"name\":\"LIKEmetkovic.hr\",\"url\":\"https:\/\/likemetkovic.hr\/portal\/author\/marijana\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - likemetkovic.hr","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/","og_locale":"hr_HR","og_type":"article","og_title":"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - likemetkovic.hr","og_description":"Krediti su mo\u017eda jeftiniji, no to ne zna\u010di da \u0107e biti dostupniji. Banke su navodno odlu\u010dile od polovice idu\u0107e godine vratiti crnu listu du\u017enika koja je privremeno bila obustavljena. Zagreba\u010dka banka je s 1. sije\u010dnja snizila promjenjive kamatne stope na postoje\u0107e kredite. Na postoje\u0107e stambene i druge kredite kod kojih se kao parametar koristi \u0161estomjese\u010dna […]","og_url":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/","og_site_name":"likemetkovic.hr","article_publisher":"https:\/\/www.facebook.com\/likemetkovic.hr\/","article_published_time":"2020-01-04T08:23:08+00:00","og_image":[{"width":800,"height":554,"url":"https:\/\/likemetkovic.hr\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg","type":"image\/jpeg"}],"author":"LIKEmetkovic.hr","twitter_card":"summary_large_image","twitter_misc":{"Napisao\/la":"LIKEmetkovic.hr","Procijenjeno vrijeme \u010ditanja":"3 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/","url":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/","name":"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit - likemetkovic.hr","isPartOf":{"@id":"https:\/\/likemetkovic.hr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage"},"image":{"@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage"},"thumbnailUrl":"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg","datePublished":"2020-01-04T08:23:08+00:00","author":{"@id":"https:\/\/likemetkovic.hr\/#\/schema\/person\/adba0fd43631b5fc581c97e6ca793693"},"breadcrumb":{"@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#breadcrumb"},"inLanguage":"hr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/"]}]},{"@type":"ImageObject","inLanguage":"hr","@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#primaryimage","url":"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg","contentUrl":"https:\/\/likemetkovic.hr\/portal\/wp-content\/uploads\/2019\/11\/banka-naknada.jpg","width":800,"height":554},{"@type":"BreadcrumbList","@id":"https:\/\/likemetkovic.hr\/banke-su-pocele-spustati-kamate-evo-sto-to-znaci-za-vas-kredit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Po\u010detna stranica","item":"https:\/\/likemetkovic.hr\/portal\/"},{"@type":"ListItem","position":2,"name":"Banke su po\u010dele spu\u0161tati kamate, evo \u0161to to zna\u010di za va\u0161 kredit"}]},{"@type":"WebSite","@id":"https:\/\/likemetkovic.hr\/#website","url":"https:\/\/likemetkovic.hr\/","name":"likemetkovic.hr","description":"Misli pozitivno... \u010ditaj LIKE","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/likemetkovic.hr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"hr"},{"@type":"Person","@id":"https:\/\/likemetkovic.hr\/#\/schema\/person\/adba0fd43631b5fc581c97e6ca793693","name":"LIKEmetkovic.hr","url":"https:\/\/likemetkovic.hr\/portal\/author\/marijana\/"}]}},"_links":{"self":[{"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/posts\/95873","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/comments?post=95873"}],"version-history":[{"count":0,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/posts\/95873\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/media\/92052"}],"wp:attachment":[{"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/media?parent=95873"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/categories?post=95873"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likemetkovic.hr\/portal\/wp-json\/wp\/v2\/tags?post=95873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}