{"id":24820,"date":"2020-01-15T12:22:21","date_gmt":"2020-01-15T12:22:21","guid":{"rendered":"https:\/\/eurobankovnikredit.com\/?p=24820"},"modified":"2023-01-16T12:41:52","modified_gmt":"2023-01-16T12:41:52","slug":"vrste-kredita","status":"publish","type":"post","link":"https:\/\/www.eurobankovnikredit.com\/vrste-kredita\/","title":{"rendered":"Vrste kredita"},"content":{"rendered":"<p>[et_pb_section admin_label=&#8221;section&#8221;]<br \/>\n\t\t\t[et_pb_row admin_label=&#8221;row&#8221;]<br \/>\n\t\t\t\t[et_pb_column type=&#8221;4_4&#8243;][et_pb_text admin_label=&#8221;Text&#8221;]<strong>Kreditiranje je \u0161irok poslovni<\/strong>\u00a0proces i mo\u017ee imati razli\u010dite ciljeve i biti usmjereno prema razli\u010ditim korisnicima i namjenama. Postoje razni kriteriji po kojima radimo podjelu kredita, ovdje \u0107emo navesti nekoliko koji se ti\u010du osobnih financija:<\/p>\n<p><strong>Podjela po kriteriju kamatne stope:<\/strong><\/p>\n<ul>\n<li>kredit s fiksnom kamatnom stopom (uvijek je bolja opcija za du\u017enika)<\/li>\n<li>kredit s promjenjivom kamatnom stopom<\/li>\n<\/ul>\n<p><strong>Podjela po kriteriju namjene:<\/strong><\/p>\n<ul>\n<li>Potro\u0161a\u010dki kredit (nenamjenski, hipotekarni, auto kredit i ostali)<\/li>\n<li>Stambeni kredit<\/li>\n<li>Gospodarski kredit<\/li>\n<li>Me\u0111ubankarski krediti i krediti financijskim institucijama<\/li>\n<\/ul>\n<p><strong>Podjela po ro\u010dnosti (rok vra\u0107anja kredita)<\/strong><\/p>\n<ul>\n<li>Dugro\u010dni kredit (preko pet godina)<\/li>\n<li>Srednjoro\u010dni kredit (od jedne do pet godina)<\/li>\n<li>Kratko ro\u010dni kredit (do jedne godine)<\/li>\n<\/ul>\n<p><strong>Po kriteriju na\u010dina otplate<\/strong><\/p>\n<ul>\n<li>Kredit s jednokratnom otplatom<\/li>\n<li>Kredit s vi\u0161ekratnom otplatom (vra\u0107a se u obliku anuiteta)<\/li>\n<\/ul>\n<p>Bankarski poslovi dijele se na: aktivne, pasivne i neutralne<\/p>\n<p>Aktivni krediti su oni u kojima se banka pojavljuje kao vjerovnik, i na osnovu njih napla\u0107uje kamatu. Najva\u017eniji aktivni kratkoro\u010dni poslovi su.<\/p>\n<ul>\n<li>Kredit po teku\u0107em ra\u010dunu ili kontokorentni kredit. Banka odobrava korisniku kredit preko njegova teku\u0107eg ra\u010duna.<\/li>\n<li>Kredit na osnovi mjenice ili eskontni kredit. Isplata mjenice prije njezina dospije\u0107a po odbitku kamata.<\/li>\n<li>Lombardni kredit na osnovu zaloga odre\u0111ene imovine (pokretne u pravilu)<\/li>\n<li>Hipotekarni kredit, banka ga odobrava na temelju uknji\u017ebe nekretnine kao instrumenta osiguranja kredita.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column]<br \/>\n\t\t\t[\/et_pb_row]<br \/>\n\t\t[\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section admin_label=&#8221;section&#8221;] [et_pb_row admin_label=&#8221;row&#8221;] [et_pb_column type=&#8221;4_4&#8243;][et_pb_text admin_label=&#8221;Text&#8221;]Kreditiranje je \u0161irok poslovni\u00a0proces i mo\u017ee imati razli\u010dite ciljeve i biti usmjereno prema razli\u010ditim korisnicima i namjenama. Postoje razni kriteriji po kojima radimo podjelu kredita, ovdje \u0107emo navesti nekoliko koji se ti\u010du osobnih financija: Podjela po kriteriju kamatne stope: kredit s fiksnom kamatnom stopom (uvijek je bolja opcija za [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24821,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-24820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-o-kreditima"],"uagb_featured_image_src":{"full":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1.jpg",848,300,false],"thumbnail":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1-150x150.jpg",150,150,true],"medium":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1-300x106.jpg",300,106,true],"medium_large":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1-768x272.jpg",768,272,true],"large":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1.jpg",848,300,false],"1536x1536":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1.jpg",848,300,false],"2048x2048":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2020\/01\/desk-1-848x300-1.jpg",848,300,false]},"uagb_author_info":{"display_name":"zcDPXN0Bwa","author_link":"https:\/\/www.eurobankovnikredit.com\/author\/drzislav-dleskinfodata-hr\/"},"uagb_comment_info":0,"uagb_excerpt":"[et_pb_section admin_label=&#8221;section&#8221;] [et_pb_row admin_label=&#8221;row&#8221;] [et_pb_column type=&#8221;4_4&#8243;][et_pb_text admin_label=&#8221;Text&#8221;]Kreditiranje je \u0161irok poslovni\u00a0proces i mo\u017ee imati razli\u010dite ciljeve i biti usmjereno prema razli\u010ditim korisnicima i namjenama. Postoje razni kriteriji po kojima radimo podjelu kredita, ovdje \u0107emo navesti nekoliko koji se ti\u010du osobnih financija: Podjela po kriteriju kamatne stope: kredit s fiksnom kamatnom stopom (uvijek je bolja opcija za&hellip;","_links":{"self":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/comments?post=24820"}],"version-history":[{"count":2,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24820\/revisions"}],"predecessor-version":[{"id":25050,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24820\/revisions\/25050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/media\/24821"}],"wp:attachment":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/media?parent=24820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/categories?post=24820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/tags?post=24820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}