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undergraduate thesis
Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu
2017. urn:nbn:hr:145:119580
Kukec, Tamara
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

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Kukec, T. (2017). Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu (Undergraduate thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:119580

Kukec, Tamara. "Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2017. https://urn.nsk.hr/urn:nbn:hr:145:119580

Kukec, Tamara. "Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2017. https://urn.nsk.hr/urn:nbn:hr:145:119580

Kukec, T. (2017). 'Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu', Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 20 March 2025, https://urn.nsk.hr/urn:nbn:hr:145:119580

Kukec T. Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu [Undergraduate thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2017 [cited 2025 March 20] Available at: https://urn.nsk.hr/urn:nbn:hr:145:119580

T. Kukec, "Analiza ponude stambenih kredita na Hrvatskom bankarskom tržištu", Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2017. Available at: https://urn.nsk.hr/urn:nbn:hr:145:119580

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Metadata
TitleAnaliza ponude stambenih kredita na Hrvatskom bankarskom tržištu
Title (english)ANALYSIS OF HOUSING LOANS OFFERS IN THE CROATIAN BANKING MARKET
AuthorTamara Kukec
MentorBranko Matić (mentor)
Committee memberBranko Matić (predsjednik povjerenstva)
Committee memberHrvoje Serdarušić (član povjerenstva)
Committee memberZdravko Tolušić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2017-07-05, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Stambeni krediti su dugoročni namjenski krediti koji na bankarskom tržištu zauzimaju bitnu ulogu. Banke ih odobravaju uz točno određenu namjenu i na točno određeno razdoblje. O ovim i o ostalim uvjetima poput odabira kombinacije kamatnih stopa, instrumenata osiguranja, načina otplate kredita odlučuje sam klijent što je prednost u odabiru samog kredita. Time klijent postaje zadovoljan ponudom banke što banci daje određenu prednost u odnosu na konkurenciju jer povećava broj zadovoljnih korisnika.... More Za analizu stambenih kredita na hrvatskom bankarskom tržištu odabrane su četiri banke: Privredna banka Zagreb d.d., Raiffeisenbank Austria d.d., Hrvatska poštanska banka d.d. i Sberbank d.d. Svaka banka ima određene prednosti, ali i nedostatke u odnosu na konkurenciju. U ponudi stambenih kredita u ovim bankama analizirane su varijable kao što su namjene korištenja stambenih kredita, visine stambenih kredita, nominalne i efektivne kamatne stope, rokovi povrata stambenih kredita, instrumenti osiguranja i naknade za odobravanje kreditnog zahtjeva. S jedne strane, u nekim segmentima banke imaju usporedive značajke te klijentima nude jednake mogućnosti dok s druge strane, u nekim segmentima imaju vidljive razlike kod kojih se znatno razlikuju jedna od druge. Pri odabiru stambenog kredita klijent bi trebao biti pažljiv u odabiru kamatnih stopa i parametara po kojima se one mijenjaju. Stambeni krediti mogu se realizirati uz odabir fiksne kamatne stope za cijelo razdoblje otplate, promjenjive kamatne stope ili kombinacije fiksne i promjenjive kamatne stope. Najbitnije je dobro proučiti sve uvjete koje banke nude te na temelju vlastitih financijskih mogućnosti odabrati banku koja nudi najpovoljnije rješenje po pitanju stambenog kreditiranja. Less
Abstract (english)
Housing loans are long-term purpose loans which have very important role on banking market. Banks approve them with a specific purpose and on specific period. About this and other conditions like choosing a combination of interest rates, insurance instruments, the loan repayment model, client decides on himself which is preference in choosing the loan. By that client becomes satisfied with bank's offers which give bank some advantage compared to competiton because she increases the number of... More satisfied clients. For analysis of housing loans in the Croatian banking market four banks were chosen: Privredna banka Zagreb d.d., Raiffeisenbank Austria d.d., Hrvatska poštanska banka d.d. and Sberbank d.d. Each bank has its own advantages and disadvantages compared to the competition. In housing loans offer of this banks variables like purpose of using housing loan, loan amount, nominal and effective interest rates, the loan repayment period, insurance instruments and the fee related to the approval of housing loans application were analyzed. On the one hand, in some segments banks have comparable features and they are offering equal possibilities to their clients, but on the other hand, in some segments they have visible differences in which they are significiantly different from each other. When choosing housing loan, client should be careful in choosing interest rates and the parameters by which they progress. Housing loans can be realised with the selection of fixed interest rate during the entire repayment period, variable interest rate or combination of fixed and variable interest rate. The most important is to look well at all conditions that banks offer and to, based on your own financial possibilities, choose the bank that offers the most cost effective solution in terms of housing loans. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:119580
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
Terms of useLicence In copyright icon
Created on2017-07-11 11:44:49
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