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undergraduate thesis
Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d.
Završni rad
2020. urn:nbn:hr:145:738828
Iščić, Dunja
Josip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
Chair of Finance and Accounting

Cite this document

Iščić, D. (2020). Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad (Undergraduate thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:738828

Iščić, Dunja. "Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:738828

Iščić, Dunja. "Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:738828

Iščić, D. (2020). 'Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad', Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, accessed 27 September 2023, https://urn.nsk.hr/urn:nbn:hr:145:738828

Iščić D. Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad [Undergraduate thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek; 2020 [cited 2023 September 27] Available at: https://urn.nsk.hr/urn:nbn:hr:145:738828

D. Iščić, "Analiza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad", Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, Osijek, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:145:738828

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TitleAnaliza ponude stambenih kredita u hrvatskim bankama – Zagrebačka banka d.d., Adikko bank d.d., OTP banka d.d. : Završni rad
Title (english)Analysis of the housing loan offer in Croatian banks - Zagrebačka bank d.d., Addiko bank d.d., OTP bank d.d : Final paper
AuthorDunja Iščić
MentorBranko Matić (mentor)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2020-09-15, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U radu je obrađena tematika vezana uz kreditiranje kao i rješavanje stambenih pitanja kroz stambene kredite. Od velike važnosti danas imaju bankarski krediti, gdje banke nakon što odobre krediti na taj način stvaraju novac koji može biti depozitni ili kreditni te zajmotražitelj tada raspolaže s njime za plaćanja. Odobravanje novčanih i nenovčanih kredita započinje sa povjerenjem prema dužniku, odnosno procjeni njegove kreditne sposobnosti i njegove spremnosti za vraćanjem kredita u dogovorenom roku, uz plaćanje određene novčane naknade u obliku kamata. Na praktičnom primjeru tri banke prikazani su uvjeti za dobivanje stambenog kredita. U uvodnom dijelu pobliže će se objasniti vrste kredita te podjela bankarskih poslova prema bilančno-analitičkim obilježjima kao što su pasivni, posrednički, vlastiti i aktivni bankarski poslovi. U drugom dijelu se analizira ponuda stambenih kredita i njegova obilježja te je na kraju donesen zaključak koja banka nudi najpovoljniju ponudu.
Abstract (english)
The paper deals with topics related to lending as well as solving housing issues through housing loans. Of great importance today are bank loans, where banks, after approving loans, thus create money that can be a deposit or loan, and the borrower then has it for payments. The approval of cash and non-cash loans begins with confidence in the debtor, ie the assessment of his creditworthiness and his readiness to repay the loan within the agreed period, with the payment of a certain monetary compensation in the form of interest. A practical example of three banks shows the conditions for obtaining a housing loan. The introductory part will explain in more detail the types of loans and the division of banking operations according to balance sheet-analytical characteristics such as passive, intermediary own and active banking operations. The second part analyzes the offer of housing loans and its characteristics, and finally concludes which bank offers the most favorable offer.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:738828
Study programmeTitle: Financial Management
Study programme type: university
Study level: undergraduate
Academic / professional title: sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
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Created on2020-12-11 11:19:48