{"id":13122,"date":"2025-04-11T22:15:32","date_gmt":"2025-04-11T20:15:32","guid":{"rendered":"https:\/\/zaposlise.hr\/blog\/?p=13122"},"modified":"2025-04-11T22:15:32","modified_gmt":"2025-04-11T20:15:32","slug":"kreditiranje-i-nova-ogranicenja","status":"publish","type":"post","link":"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/","title":{"rendered":"Kreditiranje i nova ograni\u010denja"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Kreditiranje \u0107e dobiti nova ograni\u010denja, javlja <a href=\"http:\/\/hnb.hr\" target=\"_blank\" rel=\"noopener\">Hrvatska narodna banka.<\/a><\/p>\n<p>Nova \u0107e ograni\u010denja kontrolirati rastu\u0107e financijsko zadu\u017eivanje gra\u0111ana u odnosu na njihov dohodak. Te promjene stupaju na snagu 1. srpnja 2025. godine.<\/p>\n<p>Osobe koje su ve\u0107 u postupku procjene kreditne sposobnosti i kupnje nekretnine \u0107e dovr\u0161etak ugovaranja kredita dovr\u0161iti prije stupanja na snagu novih mjera.<\/p>\n<p><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/karijera-zelite-postati-agent-za-nekretnine\/\">karijeri<\/a> agenta za posredovanje nekretninama!\u00a0<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Sadr\u017eaj<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Novi_limiti_za_kreditnu_zaduzenost\" title=\"Novi limiti za kreditnu zadu\u017eenost\">Novi limiti za kreditnu zadu\u017eenost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Kako_doci_do_nekretnine\" title=\"Kako do\u0107i do nekretnine?\">Kako do\u0107i do nekretnine?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Najvise_pogodeni_gradani\" title=\"Najvi\u0161e pogo\u0111eni gra\u0111ani\">Najvi\u0161e pogo\u0111eni gra\u0111ani<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Odgovorno_kreditiranje\" title=\"Odgovorno kreditiranje\">Odgovorno kreditiranje<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Uvjet_za_kreditiranje\" title=\"Uvjet za kreditiranje\">Uvjet za kreditiranje<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zaposlise.hr\/blog\/kreditiranje-i-nova-ogranicenja\/#Pausalni_obrtnici_i_kreditiranje\" title=\"Pau\u0161alni obrtnici i kreditiranje\">Pau\u0161alni obrtnici i kreditiranje<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Novi_limiti_za_kreditnu_zaduzenost\"><\/span>Novi limiti za kreditnu zadu\u017eenost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_13138\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13138\" class=\"size-full wp-image-13138\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost.jpg\" alt=\"Kreditna zadu\u017eenja, kreditna sposobnost\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Kreditna-zaduzenja-kreditna-sposobnost-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13138\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Kreditna zadu\u017eenja, kreditna sposobnost; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p>Kreditiranje \u0107e ovisiti o maksimalnom\u00a0 postotku mjese\u010dnog dohotka koji gra\u0111ani mogu odvajati za otplatu kredita. Taj postotak odre\u0111uje HNB.<\/p>\n<p><strong>Navedeni postoci su:\u00a0<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/mojnovac.hr\/hnb-uvodi-nova-ogranicenja-u-kreditiranju-sto-to-znaci-za-gradane\/\" target=\"_blank\" rel=\"noopener\">Stambeni krediti<\/a>: maksimalno do 45% mjese\u010dnog dohotka.<\/li>\n<li>Gotovinski krediti: maksimalno do 40% mjese\u010dnog dohotka.<\/li>\n<li>Ova mjera ima za cilj sprije\u010diti prekomjerno zadu\u017eivanje gra\u0111ana i osigurati njihovu financijsku stabilnost.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kako_doci_do_nekretnine\"><\/span>Kako do\u0107i do nekretnine?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nova ograni\u010denja \u0107e se odraziti i na odnos izme\u0111u stambenog kredita i tr\u017ei\u0161ne vrijednosti\u00a0 nekretnine. Omjer ne\u0107e smjeti prelaziti 90%.<\/p>\n<p>To ograni\u010denje govori da se cijela vrijednost nekretnine vi\u0161e ne\u0107e mo\u0107i kreditirati putem banke. Klijenti \u0107e morati osigurati barem 10% vlastitih sredstava.<\/p>\n<div id=\"attachment_13140\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13140\" class=\"size-full wp-image-13140\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina.png\" alt=\"Zadu\u017eivanje, krediti, nekretnina\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Zaduzivanje-krediti-nekretnina-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13140\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Zadu\u017eivanje, krediti, nekretnina; Izvor: Unsplash.com<\/span><\/p><\/div>\n<blockquote><p>Za <a href=\"https:\/\/mojnovac.hr\/hnb-uvodi-nova-ogranicenja-u-kreditiranju-sto-to-znaci-za-gradane\/\" target=\"_blank\" rel=\"noopener\">nekretninu<\/a> tr\u017ei\u0161ne vrijednosti od 250.000 EUR, maksimalni iznos kredita koji banka mo\u017ee odobriti iznosit \u0107e 225.000 EUR.<\/p>\n<p>Dok \u0107e klijent morati osigurati preostalih 25.000 EUR iz vlastitih sredstava.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Najvise_pogodeni_gradani\"><\/span>Najvi\u0161e pogo\u0111eni gra\u0111ani<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ta mjera \u0107e imati najve\u0107i utjecaj na osobe koje imaju mjese\u010dna primanja iznad 1.600 eura, javlja <a href=\"https:\/\/mojnovac.hr\/hnb-uvodi-nova-ogranicenja-u-kreditiranju-sto-to-znaci-za-gradane\/\" target=\"_blank\" rel=\"noopener\">Mojnovac.hr<\/a>.<\/p>\n<p>Razlog tome je \u0161to su iznosi pla\u0107e ispod navedenog iznosa obuhva\u0107ene pravilima <a href=\"https:\/\/www.zakon.hr\/z\/74\/ovr%C5%A1ni-zakon\" target=\"_blank\" rel=\"noopener\">Ovr\u0161nog zakona<\/a>. Odnosno, nova regulativa \u0107e se odnositi\u00a0 na gra\u0111ane s vi\u0161im prihodima.<\/p>\n<p>Ograni\u010dit \u0107e im se\u00a0maksimalni iznos mjese\u010dnih kreditnih obveza.<\/p>\n<p><em>Pro\u010ditajte vi\u0161e o odnosu <a href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/\">pla\u0107e<\/a> i stambenog kredita.\u00a0<\/em><\/p>\n<p><strong>Usporedba kreditne sposobnosti danas i nakon 01. srpnja:<\/strong><\/p>\n<div id=\"attachment_13131\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13131\" class=\"size-full wp-image-13131\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita.jpg\" alt=\"Kreditna sposobnost\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Odnos-place-i-kredita-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13131\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Kreditna sposobnost; Izvor: Mojnovac.hr<\/span><\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Odgovorno_kreditiranje\"><\/span>Odgovorno kreditiranje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Smisao ovih mjera je odgovorno kreditiranje gra\u0111ana. Naime, stanovnici moraju biti financijski odr\u017eivi.<\/p>\n<p>Mnogo puta su nositelji kredita imali preveliku ratu i nisu imali dovoljno sredstava za osnovne \u017eivotne potrebe.<\/p>\n<p>Mjere HNB-a su osmi\u0161ljene kako bi smanjile rizik od prezadu\u017eenosti i osigurale stabilnost financijskog sustava.<\/p>\n<blockquote><p>Budu\u0107i klijenti <a href=\"https:\/\/mojnovac.hr\/hnb-uvodi-nova-ogranicenja-u-kreditiranju-sto-to-znaci-za-gradane\/\" target=\"_blank\" rel=\"noopener\">stambenih<\/a> i gotovinskih kredita sada \u0107e morati pa\u017eljivije planirati svoje financije i osigurati dodatna vlastita sredstva prilikom kupnje nekretnina.<\/p><\/blockquote>\n<p><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/financijska-pismenost\/\">financijskoj pismenosti<\/a> i odgovornosti u intervjuu s Tamarom Vrhovec Sek\u00e1\u010d.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Uvjet_za_kreditiranje\"><\/span>Uvjet za kreditiranje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Za kreditiranje od banaka najva\u017enija je kreditna sposobnost. Njome se radi procjena mo\u017ee li potencijalni du\u017enik preuzeti obvezu njegove redovite otplate.<\/p>\n<div id=\"attachment_13144\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13144\" class=\"size-full wp-image-13144\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine.jpg\" alt=\"Dizanje kredita, prezadu\u017eenost, nekretnine\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dizanje-kredita-prezaduzenost-nekretnine-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13144\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Dizanje kredita, prezadu\u017eenost, nekretnine; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p>Izra\u010dun kreditne sposobnosti u nadle\u017enosti je banke. Propisuje se njenim internim aktima. No, postoje\u0107i zakoni tako\u0111er utje\u010du na tu odluku.<\/p>\n<p>Na primjer, ve\u0107 spomenutim Ovr\u0161nim zakonom propisan je dio pla\u0107e za\u0161ti\u0107en od ovrhe.<\/p>\n<p>Taj iznos bi trebao pokriti iznos minimalnih \u017eivotnih tro\u0161kova, odnosno pla\u0107e koja ostaje osobi na raspolaganju.<\/p>\n<p>No, sama odluka je li osoba kreditno sposobna ili ne isklju\u010divo je na banci. Zato je zadatak upravo banke da vodi ra\u010duna je li korisnik sposoban za zadu\u017eenje.<\/p>\n<p>Odnosno, ne smije do\u0107i u stanje prezadu\u017eenosti.<\/p>\n<blockquote><p>Prilikom procjene kreditne sposobnosti banka provjerava redovna primanja, status zaposlenja, poslodavca kod kojeg je zaposlen potencijalni korisnik kredita.<\/p>\n<p>Zatim, postoje\u0107e <a href=\"http:\/\/tportal.hr\" target=\"_blank\" rel=\"noopener\">kreditne obveze<\/a> (iznos i redovitost njihovog izvr\u0161avanja) te potencijalne obveze (sudu\u017eni\u0161tvo, jamstvo i sl.).<\/p><\/blockquote>\n<div id=\"attachment_13146\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13146\" class=\"size-full wp-image-13146\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza.jpg\" alt=\"Dug, sudu\u017eni\u0161tvo, pla\u0107anje obaveza\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Dug-suduznistvo-placanje-obaveza-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13146\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Dug, sudu\u017eni\u0161tvo, pla\u0107anje obaveza; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p>\u0160to se ti\u010de prihoda, glavni uvjet je primanje redovite mjese\u010dne pla\u0107e iz kojih \u0107e se vra\u0107ati kredit. Donedavno se za kreditiranje gledao samo iznos pla\u0107e.<\/p>\n<p><em>Pro\u010ditajte kako mo\u017eete pisanjem bloga do\u0107i do <a href=\"https:\/\/zaposlise.hr\/blog\/placa-pisanjem-bloga-do-zarade\/\">pla\u0107e<\/a>.\u00a0<\/em><\/p>\n<p>U novije vrijeme gledaju se i drugi izvori i oblici prihoda. Posebno ako su oni redovitog karaktera.<\/p>\n<p>Na primjer, ako osoba, uz pla\u0107u, prima prihode od autorskog djela ili honorara, oni se zbrajaju pla\u0107i u matemati\u010dkom izra\u010dunu.<\/p>\n<p><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/honorarni-posao-kako-balansirati-obaveze\/\">honorarnom poslu<\/a> i saznajte kako pravilno balansirati obaveze.\u00a0<\/em><\/p>\n<p>U navedeni izra\u010dun ubrajaju se i prihodi od\u00a0kapitala, poput najamnina, kamata, dividendi i drugo.<\/p>\n<p>Kod privatnika i malih i srednjih poduzetnika je druga\u010dija situacija. Prilikom procjene kreditne sposobnosti, uz podatke o primanjima, uzimaju se u obzir podaci o bonitetu obrta ili tvrtke.<\/p>\n<p>Na primjer, ako poduzetnik sam upravlja vlastitom tvrtkom, kreditna sposobnost se procjenjuje na temelju pla\u0107e. No, promatra se i poslovanje tvrtke, odnosno dobit i zadu\u017eenost.<\/p>\n<div id=\"attachment_13148\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13148\" class=\"size-full wp-image-13148\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici.jpg\" alt=\"Poduzetnici, dizanje kredita, pau\u0161alni obrtnici\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13148\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Poduzetnici, dizanje kredita, pau\u0161alni obrtnici; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p><em>Pro\u010ditajte kako napisati <a href=\"https:\/\/zaposlise.hr\/blog\/zivotopis-za-stolara-napisite-ga-ispravno\/\">\u017eivotopis<\/a> za zanimanje stolar.\u00a0<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pausalni_obrtnici_i_kreditiranje\"><\/span>Pau\u0161alni obrtnici i kreditiranje<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jo\u0161 prije nekoliko godina pau\u0161alnim obrtnicima niti jedan oblik kreditiranja nije bio dostupan. Na tu situaciju nije utjecala ni \u010dinjenica da su ostvarivali zna\u010dajne primitke.<\/p>\n<p>No, na sre\u0107u, ta se situacija promijenila. Ve\u0107ina pau\u0161alaca sada mo\u017ee zatra\u017eiti kredit, bilo da se radi o nenamjenskom kreditu ili stambenim kreditima raznih namjena.<\/p>\n<p>Dostupni su im i\u00a0adaptacijski krediti za ure\u0111enje nekretnine ili krediti za refinanciranje postoje\u0107ih kredita.<\/p>\n<p>Prema pisanju portala <a href=\"http:\/\/poslovni.hr\" target=\"_blank\" rel=\"noopener\">Poslovni dnevnik<\/a>, ovo su TOP 5 djelatnosti sa odli\u010dnom prolaznosti pri financiranju:<\/p>\n<p><strong>Prera\u0111iva\u010dka industrija<\/strong>: Odnosi se na proizvodnju prehrambenih proizvoda, tekstila, naftnih proizvoda, farmaceutskih proizvoda.<\/p>\n<p>Zatim, ra\u010dunala i opreme, elektroni\u010dkih ure\u0111aja i opreme, motornih vozila i sl.<\/p>\n<div id=\"attachment_13150\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13150\" class=\"size-full wp-image-13150\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1.jpg\" alt=\"Poduzetnici, dizanje kredita, pau\u0161alni obrtnici\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Poduzetnici-dizanje-kredita-pausalni-obrtnici-1-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13150\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Poduzetnici, dizanje kredita, pau\u0161alni obrtnici; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p><strong>Informacije i komunikacije<\/strong>: Odnosi se na izdavanje ra\u010dunalnih igara i ostalog softvera, proizvodnju i distribuciju filmova, video filmova i televizijskog programa.<\/p>\n<p>Zatim, telekomunikacije, ra\u010dunalno programiranje i savjetovanje u vezi s ra\u010dunalima.<\/p>\n<p><strong>Stru\u010dne, znanstvene i tehni\u010dke djelatnosti<\/strong>: Odnosi se na pravne djelatnosti, ra\u010dunovodstvene, knjigovodstvene i revizijske djelatnosti, porezno savjetovanje.<\/p>\n<p>Zatim, savjetovanje u vezi s upravljanjem, promid\u017eba, reklama, dizajnerske i prevoditeljske djelatnosti te ostale stru\u010dne, znanstvene i tehni\u010dke djelatnosti.<\/p>\n<p><strong>Obrazovanje<\/strong>: odnosi se na obrazovanje i pou\u010davanje u podru\u010dju sporta, rekreacije i kulture, djelatnosti voza\u010dkih \u0161kola te ostalo obrazovanje i pou\u010davanje.<\/p>\n<p><strong>Djelatnosti zdravstvene za\u0161tite i socijalne skrbi<\/strong>: odnosi se na djelatnosti specijalisti\u010dke medicinske prakse, stomatolo\u0161ke prakse, socijalne skrbi te djelatnosti ustanova za njegu.<\/p>\n<p><em>Pro\u010ditajte vi\u0161e o malim obrtnicima i <a href=\"https:\/\/zaposlise.hr\/blog\/deficitarna-zanimanja-su-najtrazenija\/\">deficitarnim zanimanjima.<\/a>\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kreditiranje \u0107e dobiti nova ograni\u010denja, javlja Hrvatska narodna banka. Nova \u0107e ograni\u010denja kontrolirati rastu\u0107e financijsko zadu\u017eivanje gra\u0111ana u odnosu na [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":13123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[287,32,460,459,461,197],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kreditiranje i nova ograni\u010denja - Zaposlise.hr<\/title>\n<meta name=\"description\" content=\"Kreditiranje \u0107e dobiti nova ograni\u010denja, javlja Hrvatska narodna banka. 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