{"id":24825,"date":"2020-01-15T12:24:25","date_gmt":"2020-01-15T12:24:25","guid":{"rendered":"https:\/\/eurobankovnikredit.com\/?p=24825"},"modified":"2020-01-15T12:24:25","modified_gmt":"2020-01-15T12:24:25","slug":"kredit-i-kreditni-ciklus","status":"publish","type":"post","link":"https:\/\/www.eurobankovnikredit.com\/kredit-i-kreditni-ciklus\/","title":{"rendered":"Kredit i kreditni ciklus"},"content":{"rendered":"<p><strong>Bankovni krediti predstavljaju<\/strong>\u00a0volumen sredstava (novca) koje pojedinac ili tvrtka mogu posuditi od jedne ili vi\u0161e institucija koje se bave posu\u0111ivanjem novca tj. davanjem kredita. U praksi idealan\u00a0 bankovni kredit bi trebao biti mjera o tome koliko je gotovine mogu\u0107e izdati-posuditi na temelju kreditne povijesti i imovine tvrtke ili osobe.<\/p>\n<p>Temeljna filozofija bankovnog sustava je ta da kad je novac posu\u0111en , mora postojati osnovano o\u010dekivanje o vra\u0107anju kredita plus kamate. Svaki izdavatelj kredita mora kvalitetno sagledati cjelokupni financijski status osobe koja uzima kredit.<\/p>\n<p>Va\u017enost bankarskih kredita shvatimo kada \u017eelimo uzeti hipotekarni kredit ili neki drugi oblik za financiranje kupnje stana ili ku\u0107e. O kreditnom rejtingu \u0107e ovisiti uvjeti za dobivanje hipoteke. Danas u bankarstvu postoje institucije koje prate kreditni rejting osoba ili tvrtki. Bitni \u010dimbenici za odre\u0111ivanje uvjeta o kreditu za tra\u017eitelja kredita su: imovina koju posjeduje, \u0161ednja, udjeli u fondovima, dionice, status zaposlenosti, podaci o pla\u0107i, karakteristike poduze\u0107a u kojem radi , povijest vra\u0107anja i pla\u0107anja kredita.Kreditni rejting se mo\u017ee pobolj\u0161ati na na\u010din da uredno servisiramo svoje obveze , da smanjimo dugovanja po kreditnim karticama, po teku\u0107em ra\u010dunu, da aktivno \u0161tedimo i sl.<\/p>\n<p>Kreditni ciklus je period koji je potreban da se kredit plasira na tr\u017ei\u0161te sve dok se ne ugovori.<\/p>\n<p>Kada neka ekonomija raste ve\u0107a je potra\u017enja za kreditima kako dolazi do \u0161irenja tvrtki, \u0161to vodi porastu kamatnih stopa.U odre\u0111enoj to\u010dki te kamatne stope koje su cijena kredita, su previsoke za sve koji i dalje \u017eele uzeti kredit. Tada kamatna stopa po\u010dinje padati uzrokuju\u0107i manju profitabilnost za one koji daju kredite i manji profit za investiranje u tr\u017ei\u0161te kredita. Sve to dovodi do manje koli\u010dine novca raspolo\u017eivog za posu\u0111ivanje a i time put do realizacije kredita postaje te\u017ei i sporiji, a vrlo \u010desto i nemogu\u0107.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankovni krediti predstavljaju\u00a0volumen sredstava (novca) koje pojedinac ili tvrtka mogu posuditi od jedne ili vi\u0161e institucija koje se bave posu\u0111ivanjem novca tj. davanjem kredita. U praksi idealan\u00a0 bankovni kredit bi trebao biti mjera o tome koliko je gotovine mogu\u0107e izdati-posuditi na temelju kreditne povijesti i imovine tvrtke ili osobe. Temeljna filozofija bankovnog sustava je ta [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24748,"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-24825","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\/2019\/06\/section-background.jpg",1920,1167,false],"thumbnail":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background-150x150.jpg",150,150,true],"medium":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background-300x182.jpg",300,182,true],"medium_large":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background-768x467.jpg",768,467,true],"large":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background-1024x622.jpg",1024,622,true],"1536x1536":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background.jpg",1536,934,false],"2048x2048":["https:\/\/www.eurobankovnikredit.com\/wp-content\/uploads\/2019\/06\/section-background.jpg",1920,1167,false]},"uagb_author_info":{"display_name":"zcDPXN0Bwa","author_link":"https:\/\/www.eurobankovnikredit.com\/author\/drzislav-dleskinfodata-hr\/"},"uagb_comment_info":1,"uagb_excerpt":"Bankovni krediti predstavljaju\u00a0volumen sredstava (novca) koje pojedinac ili tvrtka mogu posuditi od jedne ili vi\u0161e institucija koje se bave posu\u0111ivanjem novca tj. davanjem kredita. U praksi idealan\u00a0 bankovni kredit bi trebao biti mjera o tome koliko je gotovine mogu\u0107e izdati-posuditi na temelju kreditne povijesti i imovine tvrtke ili osobe. Temeljna filozofija bankovnog sustava je ta&hellip;","_links":{"self":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24825","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=24825"}],"version-history":[{"count":1,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24825\/revisions"}],"predecessor-version":[{"id":24826,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/posts\/24825\/revisions\/24826"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/media\/24748"}],"wp:attachment":[{"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/media?parent=24825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/categories?post=24825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.eurobankovnikredit.com\/wp-json\/wp\/v2\/tags?post=24825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}