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undergraduate thesis
Ponuda stambenih kredita u hrvatskim bankama
2018. urn:nbn:hr:145:493890
Erkapić, Matko
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

Cite this document

Erkapić, M. (2018). Ponuda stambenih kredita u hrvatskim bankama (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:145:493890

Erkapić, Matko. "Ponuda stambenih kredita u hrvatskim bankama." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2018. https://urn.nsk.hr/urn:nbn:hr:145:493890

Erkapić, Matko. "Ponuda stambenih kredita u hrvatskim bankama." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2018. https://urn.nsk.hr/urn:nbn:hr:145:493890

Erkapić, M. (2018). 'Ponuda stambenih kredita u hrvatskim bankama', Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 24 December 2024, https://urn.nsk.hr/urn:nbn:hr:145:493890

Erkapić M. Ponuda stambenih kredita u hrvatskim bankama [Undergraduate thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2018 [cited 2024 December 24] Available at: https://urn.nsk.hr/urn:nbn:hr:145:493890

M. Erkapić, "Ponuda stambenih kredita u hrvatskim bankama", Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2018. Available at: https://urn.nsk.hr/urn:nbn:hr:145:493890

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Metadata
TitlePonuda stambenih kredita u hrvatskim bankama
Title (english)Supply housing loans in croatian banks
AuthorMatko Erkapić
MentorBranko Matić (mentor)
Committee memberBranko Matić (predsjednik povjerenstva)
Committee memberBranimir Marković (član povjerenstva)
Committee memberIvo Mijoč (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2018-09-21, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Kredit je dužničko-vjerovnički odnos u kojemu banka kao vjerovnik stavlja na raspolaganje određenu količini financijskih sredstava klijentu uz bitne značajke: kamate, način otplate, vrijeme otplate, garancija i slično. Bitna karakteristika kredita je povrat duga, što znači da postoji obveza dužnika da dana sredstva vrati, uvećana za ugovorenu kamatu. Povjerenje između banke, kao vjerovnika i klijenta, kao dužnika, bitno je da pogotovo u međusobnim odnosima kod kreditnih poslova, da se taj odnos ne naruši. Stambeni krediti su aktivni bankarski poslovi koji se koriste za izgradnju, adaptaciju, renovaciju stambenih objekata ili obiteljskih kuća. Banke koje odobravaju stambene kredite klijentima, često zauzvrat traže dodatne instrumente osiguranja povrata kredita kako bi se osigurale od postojećeg rizika. Banke danas često izdvajaju stambene kredite za mlade, uz državnu potporu odnosno subvenciju. Također neke banke su voljne uz kvalitetne instrumente osiguranja smanjiti kamatne stope to jest naknade po kreditu.
Abstract (english)
The loan is a debtor-creditor business relationship in which the Bank as lender makes available a certain amount of funds to the client with essential features: interest rate, method of repayment, repayment time, warranty and etcetera. The essential characteristic of a loan is repayment of debt, meaning that there is a debtor's obligation to return the repayable funds, increased by the agreed interest rate. Trust between a bank, as a creditor and a client, as a debtor, is essential, especially in mutual relations with creditors, not to disturb that business relationship. Housing loans are active banking jobs used for construction, adaptation, renovation of residential buildings or family houses. Banks who grant housing loans to clients often seek additional credit insurance instruments in order to secure existing risk. Banks often allocate housing loans to young people, with state subsidies. Also some banks are willing to use high-quality insurance instruments to reduce interest rates, that is, fees per credit.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:493890
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 on2018-12-14 12:36:11