Abstract | Financijska pismenost veliki je problem današnjih učenika, studenata, ali i ljudi ostalih dobnih
skupina. To prouzrokuje velike probleme prilikom ugovaranja kredita što je u današnje vrijeme
svakodnevica. Zbog toga je bitno biti upoznat sa osnovnim pojmovima i terminologijom
korištenom prilikom ugovaranja kredita. U radu je opisan razvoj banaka i bankarskog sustava
u Republici Hrvatskoj što je iznimno kompleksan i složen proces zbog stalnog napretka u
tehnologiji i znanju. Globalizacija i informatizacija su dodatni pokretači razvoja banaka, sustav
čine dostupnijim i praktičnijim te u određenim uvjetima i jednostavnijim. U radu je obrađena
osnovna podjela kredita na namjenske i nenamjenske kredite. Namjenski krediti su krediti koji
se odobravaju samo za određenu namjenu kao što su auto krediti, stambeni krediti, turistički
krediti i dr., dok se kod nenamjenskih kredita gotovina isplaćuje na tekući račun te se taj iznos
koristi za individualne potrebe korisnika kredita. Neki od nenamjenskih kredita su: gotovinski
krediti, hipotekarni krediti, lombardni krediti i drugi. Svaka banka u Republici Hrvatskoj ima
zasebno propisane uvjete odobravanja kredita što mora biti u skladu sa propisima Hrvatske
narodne banke, te zbog toga ugovaranje kredita ponekad nije jednostavan posao. U radu,
obrađuju se uvjeti odobravanja gotovinskih kredita kao što su visina kamatne stope, valuta
kredita, iznos kredita, rok otplate kredita te osiguranje povrata kredita na temelju ponuda
hrvatskih banaka. |
Abstract (english) | Financial literacy is a big problem for today's students, but also people of other ages. This
causes major problems when contracting loans, which is nowadays commonplace. Therefore,
it is important to be familiar with the basic terms and terminology used when contracting a
loan. The paper describes the development of banks and the banking system in the Republic
of Croatia, which is an extremely complex and complex process due to the constant
advancement in technology and knowledge. Globalization and computerization are additional
drivers of bank development, making the system more accessible and convenient and, in
certain conditions, simpler. This paper deals with the basic divisions of loans into special and
non-purpose loans. Special Purpose Loans are loans that are approved only for a specific
purpose, such as car loans, home loans, tourism loans, etc., whereas for non-purpose loans,
cash is paid into a current account and used for the individual needs of the loan beneficiary.
Some of the non-purpose loans are: cash loans, mortgages, Lombard loans and others. Each
bank in the Republic of Croatia has separately stipulated conditions for granting loans, which
must be in accordance with the regulations of the Croatian National Bank, and therefore
contracting a loan is sometimes not an easy job. The paper deals with the conditions for
granting cash loans, such as the interest rate, the currency of the loan, the loan amount, the
loan repayment period and the loan repayment guarantee based on the offers of Croatian
banks. |