{"id":9446,"date":"2024-11-04T09:06:55","date_gmt":"2024-11-04T08:06:55","guid":{"rendered":"https:\/\/zaposlise.hr\/blog\/?p=9446"},"modified":"2025-02-18T19:31:13","modified_gmt":"2025-02-18T18:31:13","slug":"placa-i-stambeni-kredit","status":"publish","type":"post","link":"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/","title":{"rendered":"Pla\u0107a i stambeni kredit"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Pla\u0107a je klju\u010dan faktor kod dizanja stambenog kredita. Jeste li spremni prihvatiti izazov da postanete vlasnik ku\u0107e?<\/p>\n<p>Ako je tako, stvaranje va\u0161e kreditne sposobnosti jedan je od najva\u017enijih koraka.<\/p>\n<p>Va\u0161 kreditni rezultat \u0107e odrediti kakve mogu\u0107nosti zajma imate i, prema tome, kakvu ku\u0107u mo\u017eete kupiti.<\/p>\n<p>Jedan od najva\u017enijih aspekata kupnje nekretnine je osiguravanje financiranja.<\/p>\n<p>Kada se nekretnina kupuje bankovnim kreditom, prvi korak je odre\u0111ivanje iznosa koji se mo\u017ee dobiti na temelju prihoda.<\/p>\n<p>Zanimaju nas koji su uvjeti kredita za <a href=\"https:\/\/zaposlise.hr\/blog\/prosjecna-placa-po-pojedinim-zanimanjima\/\">prosje\u010dnu pla\u0107u<\/a>, koja je u lipnju 2024. godine iznosila 1 315 eura<\/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\/placa-i-stambeni-kredit\/#Placa_i_stambeni_kredit\" title=\"Pla\u0107a i stambeni kredit\">Pla\u0107a i stambeni kredit<\/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\/placa-i-stambeni-kredit\/#10_koraka_prema_stambenom_kreditu\" title=\"10 koraka prema stambenom kreditu\">10 koraka prema stambenom kreditu<\/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\/placa-i-stambeni-kredit\/#1_Saznajte_svoju_kreditnu_sposobnost\" title=\"1) Saznajte svoju kreditnu sposobnost\">1) Saznajte svoju kreditnu sposobnost<\/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\/placa-i-stambeni-kredit\/#2_Kakav_imate_status_u_banci\" title=\"2) Kakav imate status u banci\">2) Kakav imate status u banci<\/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\/placa-i-stambeni-kredit\/#3_Zasto_dizete_kredit\" title=\"3) Za\u0161to di\u017eete kredit\">3) Za\u0161to di\u017eete kredit<\/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\/placa-i-stambeni-kredit\/#4_Koji_vam_je_iznos_potreban\" title=\"4) Koji vam je iznos potreban\">4) Koji vam je iznos potreban<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#5_Zatvaranje_kreditnih_kartica\" title=\"5) Zatvaranje kreditnih kartica\">5) Zatvaranje kreditnih kartica<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#6_Rata_ili_anuitet_%E2%80%93_koja_je_razlika\" title=\"6) Rata ili anuitet \u2013 koja je razlika\">6) Rata ili anuitet \u2013 koja je razlika<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#7_Sto_je_s_moratorijem\" title=\"7) \u0160to je s moratorijem?\">7) \u0160to je s moratorijem?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#8_Banka_je_odobrila_kredit\" title=\"8) Banka je odobrila kredit\">8) Banka je odobrila kredit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#9_Osiguranje_kredita_i_nekretnine\" title=\"9) Osiguranje kredita i nekretnine\">9) Osiguranje kredita i nekretnine<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/zaposlise.hr\/blog\/placa-i-stambeni-kredit\/#10_I_za_kraj\" title=\"10) I za kraj\">10) I za kraj<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Placa_i_stambeni_kredit\"><\/span><a href=\"https:\/\/zaposlise.hr\/blog\/koliko-uistinu-iznosi-placa-kod-privatnika\/\">Pla\u0107a<\/a> i stambeni kredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_9469\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9469\" class=\"size-full wp-image-9469\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka.jpg\" alt=\"Pla\u0107a, dizanje kredita, banka\" width=\"1200\" height=\"674\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka-1024x575.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka-768x431.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Placa-dizanje-kredita-banka-445x250.jpg 445w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9469\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: Unsplash; Tema: Pla\u0107a, dizanje kredita, banka<\/span><\/p><\/div>\n<p>Trebate zadovoljiti vi\u0161e faktora da biste postali kreditno sposobni.<\/p>\n<p>Da biste dobili kredit, morate biti zaposleni i imati ugovor na neodre\u0111eno. No, ako imate ugovor na odre\u0111eno, va\u017eno je da primate pla\u010du neprekidno, od istog poslodavca, najmanje godinu dana.<\/p>\n<p>Cijeni iznos pla\u0107e ne mo\u017ee odlaziti na kredit. Potrebno je ostaviti odre\u0111en iznos pla\u0107e koji mo\u017ee osigurati dostojanstven \u017eivot.<\/p>\n<p>Taj iznos se ne mo\u017ee namijeniti drugim vrstama kredita i prekora\u010denjima.<\/p>\n<p><a href=\"https:\/\/www.index.hr\/shopping\/clanak\/koliki-stambeni-kredit-mozete-dobiti-s-prosjecnom-placom-obisli-smo-banke\/2578024.aspx\" target=\"_blank\" rel=\"noopener\">Stru\u010dnjaci<\/a> su zatra\u017eili izra\u010dun kredita od jedne banke. I ovo su doznali:<\/p>\n<blockquote><p>Maksimalan iznos kredita koji su nam ponudili na 20 godina je 90.622,53 eura.<\/p>\n<p>Ako se otpla\u0107uje u anuitetima, odnosno jednakim mjese\u010dnim iznosima, koji su u ovom slu\u010daju 572.34 eura, banci se morati isplatiti jo\u0161 46.750,95 eura u kamatama.<\/p>\n<p>Kamatna stopa za cijelo razdoblje otplate kredita je fiksna. Ukupan iznos koji se otpla\u0107uje je 137.363,48 eura. U prijevodu, na svaki euro vra\u0107a se euro i 52 centa. Efektivna kamatna stopa je 4.57%.<\/p>\n<p>Zanimala nas je i opcija otplate maksimalnog kredita od 30 godina.<\/p>\n<p>Kamate i mjese\u010dni obroci, odnosno anuiteti ne mijenjaju se u ovom slu\u010daju, no na svaki euro banci se vra\u0107a euro i 82 centa.<\/p>\n<p>Dakle, na maksimalni kredit od 113.224,00 eura mora se banci vratiti i 92.821,83 eura kamata. Ukupan iznos otplate bio bi 206.045,83 eura.<\/p><\/blockquote>\n<div id=\"attachment_9471\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9471\" class=\"size-full wp-image-9471\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita.jpg\" alt=\"Kupovina nekretnine, dizanje kredita\" width=\"1200\" height=\"794\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita-300x199.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita-1024x678.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita-768x508.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-nekretnine-dizanje-kredita-378x250.jpg 378w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9471\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: Unsplash; Tema: Kupovina nekretnine, dizanje kredita<\/span><\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"10_koraka_prema_stambenom_kreditu\"><\/span>10 koraka prema stambenom kreditu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pripremili smo 10 koraka koje trebate napraviti da biste si pribli\u017eili dom kakav si \u017eelite. \u0160to je sve potrebno napraviti da biste digli kredit:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Saznajte_svoju_kreditnu_sposobnost\"><\/span>1) Saznajte svoju kreditnu sposobnost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0160to je kreditna sposobnost? Kako ju banke ra\u010dunaju u 2024. godini? Koji faktori utje\u010du na izra\u010dun? Odgovori na ova pitanja nisu jednostavni i znaju se razlikovati od banke do banke.<\/p>\n<p>Kreditna sposobnost ovisi o va\u0161oj pla\u0107i. Ako imate redovna primanja, banka banka procjenjuje koji iznos kredita mo\u017eete realizirati odnosno koliki anuitet ili ratu kredita mo\u017eete \u201ctrpjeti\u201c na mjese\u010dnim primanjima.<\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\"><em>Na <a href=\"https:\/\/beonsavjetovanje.hr\/financijski-savjeti\/kreditna-sposobnost\/\" target=\"_blank\" rel=\"noopener\">kreditnu sposobnost<\/a> najvi\u0161e utje\u010du odredbe Ovr\u0161nog zakona jer, banka kao banka, uvijek razmi\u0161lja o scenariju da ne\u0107ete pla\u0107ati kredit.<\/em><\/span><\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\"><em> Zatim \u0107e se trebati prisilno napla\u0107ivati. <\/em><\/span><\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\"><em>Zato je kod ve\u0107ine banaka kreditna sposobnost onaj dio va\u0161ih primanja koji se mo\u017ee ovr\u0161iti, kako se ra\u010duna objasnit \u0107emo detaljnije kasnije.<\/em><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Kakav_imate_status_u_banci\"><\/span>2) Kakav imate status u banci<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Va\u017ean je odnos s va\u0161om bankom. Imate li prija\u0161nja kreditna zadu\u017eenja, tako\u0111er jeste li podmirivali financijske obveze na vrijeme, prema svojoj, ali i drugim bankama.<\/p>\n<p>Podmirujete li dug po kreditnoj kartici? Banka procjenjuje sve navedeno i sukladno time odlu\u010duje ho\u0107e li odobriti pojedine svoje proizvode.<\/p>\n<div id=\"attachment_9473\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9473\" class=\"size-full wp-image-9473\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa.jpg\" alt=\"Banka, kredit, pla\u0107a\" width=\"1200\" height=\"794\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa-300x199.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa-1024x678.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa-768x508.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Banka-kredit-placa-378x250.jpg 378w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9473\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: google.com; Tema: Banka, kredit, pla\u0107a<\/span><\/p><\/div>\n<p>\u0160to ste uredniji plati\u0161a, to \u0107ete imati bolje uvjete u poslovanju s bankom. Tako \u0107e vam i dobivanje kredita biti lak\u0161e.<\/p>\n<p>Zato budite odgovorni prema svojim obavezama. Ne samo prema kreditima, nego prema svim vrstama ra\u010duna i financijskih obaveza.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Zasto_dizete_kredit\"><\/span>3) Za\u0161to di\u017eete kredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Je li vam uistinu potreban kredit? Kupujete li nekretninu ili ure\u0111ujete postoje\u0107u. Kupujete li nekretninu koja vam je potrebna za \u017eivot ili \u017eelite luksuzniji stan?<\/p>\n<p>Naime, kupovanje luksuznih proizvoda ili usluga na kredit se ne preporu\u010duje. Na kredit se preporu\u010duje kupovina osnovne nekretnine za \u017eivot.<\/p>\n<p>Financijski <a href=\"https:\/\/www.addiko.hr\/financijska-pismenost\/7-pitanja-na-koja-morate-znati-odgovor-prije-uzimanja-kredita\/\">stru\u010dnjaci<\/a> ka\u017eu:<\/p>\n<blockquote><p>Ako ne mo\u017eete financirati primjerice odmor iz teku\u0107ih prihoda, a razmi\u0161ljate o kreditu za skijanje ili ljetovanje, zapitajte se kako \u0107ete ga vra\u0107ati i vrijedi li to uistinu toliko.<\/p>\n<p>Zadovoljenje takvih \u017eelja pove\u0107ava rashode u prora\u010dunu i ku\u0107anstva dugo nakon kupovine.<\/p><\/blockquote>\n<p>Razmislite je li vam kupovina na kredit uistinu potrebna.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Koji_vam_je_iznos_potreban\"><\/span>4) Koji vam je iznos potreban<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ako ste odlu\u010dili uzeti kredit, pa\u017eljivo izra\u010dunajte koliko vam je novca uistinu potrebno i koliko \u0107e vas ta pozajmica stajati.<\/p>\n<p>Izra\u010dunajte si mjese\u010dnu ratu kredita. Imate li mogu\u0107nost pokrivanja kredita iz drugih izvora, poput \u0161tednje? Mo\u017eete li si osigurati dodatni prihod <a href=\"https:\/\/zaposlise.hr\/blog\/rad-od-kuce-i-raspored-aktivnosti\/\">radom od ku\u0107e<\/a>?<\/p>\n<div id=\"attachment_9476\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9476\" class=\"size-full wp-image-9476\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1.jpg\" alt=\"Rad od ku\u0107e, dodatni posao, pla\u0107a\" width=\"1200\" height=\"800\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1-300x200.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1-1024x683.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1-768x512.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Rad-od-kuce-dodatni-posao-placa-1-375x250.jpg 375w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9476\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: Unsplash; Tema: Rad od ku\u0107e, dodatni posao, pla\u0107a<\/span><\/p><\/div>\n<p>Morate i razmisliti u kojem vremenskom roku \u017eelite vratiti novac. Ako ste odabrali dulji period kredita, tro\u0161ak pozajmice \u0107e biti vi\u0161i.<\/p>\n<p>Va\u017eno je da pazite da taj tro\u0161ak ne naru\u0161ava va\u0161 normalni \u017eivot i osobni prora\u010dun.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Zatvaranje_kreditnih_kartica\"><\/span>5) Zatvaranje kreditnih kartica<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Zatvaranje starijih kreditnih kartica mo\u017ee privremeno uzrokovati pad va\u0161eg rejtinga jer smanjujete koli\u010dinu raspolo\u017eivog kredita.<\/p>\n<p>Me\u0111utim, ako godinama niste koristili te kartice, ovo se pravilo ne primjenjuje\u2014samo naprijed i zatvorite ih jer ionako ne\u0107e utjecati na va\u0161 kreditni rejting.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Rata_ili_anuitet_%E2%80%93_koja_je_razlika\"><\/span>6) Rata ili anuitet \u2013 koja je razlika<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kada govorimo o pla\u0107anju kredita, uglavnom spominjemo ratu. Pritom mislimo na visinu mjese\u010dne obveze prema kreditu.<\/p>\n<p>Ali, rata je samo jedan od na\u010dina otplate kredita. Drugi na\u010din otplate je u anuitetima. Tako da rada i anuitet nisu jedno te isto.<\/p>\n<ul>\n<li><strong>Rata<\/strong><\/li>\n<\/ul>\n<p>Ako ste ugovorili otplatu kredita u ratama, va\u0161 mjese\u010dni iznos koji pla\u0107ate je razli\u010dit.<\/p>\n<p>Mjese\u010dno se otpla\u0107uje jednaki iznos glavnice, dok visina kamata, a time i mjese\u010dnih rata, ovisi o iznosu preostalog dugovanja.<\/p>\n<p><a href=\"https:\/\/www.progreso.hr\/blog\/rata-ili-anuitet\/\" target=\"_blank\" rel=\"noopener\">Vi\u0161e<\/a> o otplati u ratama:<\/p>\n<p><em>Pravilo otplate kredita putem mjese\u010dnih rata podrazumijeva najve\u0107e rate na po\u010detku otplate kredita. Kasnije, kako se glavnica dugovanja s vremenom otpla\u0107uje, rate se smanjuju.<\/em><\/p>\n<ul>\n<li><strong>Anuitet<\/strong><\/li>\n<\/ul>\n<p>Za razliku od rate, kod anuiteta se svaki mjesec pla\u0107a isti iznos, od po\u010detka do kraja.<\/p>\n<p>Anuiteti su naj\u010de\u0161\u0107i model otplate kredita koji ba\u0161 svaka banka ima u svojoj ponudi.<\/p>\n<p>Za vrijeme otplate mijenja se jedino struktura anuiteta,\u00a0 odnosno udio u otplati glavnice kredita i kamate na preostali dug.<\/p>\n<div id=\"attachment_9478\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9478\" class=\"size-full wp-image-9478\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa.jpg\" alt=\"Anuitet, glavnica, otplata kredita, banka, pla\u0107a\" width=\"1200\" height=\"800\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa-300x200.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa-1024x683.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa-768x512.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Anuitet-glavnica-otplata-kredita-banka-placa-375x250.jpg 375w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9478\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: google.com; Tema: Anuitet, glavnica, otplata kredita, banka, pla\u0107a<\/span><\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"7_Sto_je_s_moratorijem\"><\/span>7) \u0160to je s moratorijem?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Moratorij je razdoblje dogovoreno izme\u0111u\u00a0banke i du\u017enika u kojem je dopu\u0161tena odgoda pla\u0107anja glavnice ili ukupnog anuiteta.<\/p>\n<p>No, banka u tom razdoblju ne opra\u0161ta teku\u0107e kreditne obveze, nego se glavnica i kamata zbrajaju i pla\u0107aju kasnije.<\/p>\n<p>Nakon moratorija \u0107e du\u017enik morati platiti i kamate na to razdoblje.<\/p>\n<p>Moratorij se mo\u017ee postaviti na <a href=\"https:\/\/vijesti.hrt.hr\/hrvatska\/moratorij-nije-besplatan-sto-sve-trebate-znati-2420\" target=\"_blank\" rel=\"noopener\">dva na\u010dina<\/a>:<\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\">Prvi na\u010din je da, kad nastavite pla\u0107ati va\u0161 kredit &#8211; da se u dug pribroji ono \u0161to niste platili plus kamata koja je tekla cijelo vrijeme. <\/span><\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\">U tom slu\u010daju, ako ostavite isti rok, mjese\u010dna rata \u0107e biti vi\u0161a. <\/span><\/p>\n<p><span style=\"font-family: 'courier new', courier, monospace\">Drugi na\u010din je da se za toliko koliko je trajao po\u010dek (moratorij) &#8211; produ\u017ei pla\u0107anje kredita pa \u0107e anuitet ostati isti.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Banka_je_odobrila_kredit\"><\/span>8) Banka je odobrila kredit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Do\u0161li ste pred kraj. Dokumentacija je predana u banku i odabran je \u017eeljeni model stambenog kredita.<\/p>\n<div id=\"attachment_9481\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-9481\" class=\"size-full wp-image-9481\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1.jpg\" alt=\"Kupovina stana, ku\u0107e, iznos pla\u0107e\" width=\"1200\" height=\"800\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1-300x200.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1-1024x683.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1-768x512.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2024\/11\/Kupovina-stana-kuce-iznos-place-1-375x250.jpg 375w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-9481\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Izvor: Unsplash; Tema: Kupovina stana, ku\u0107e, iznos pla\u0107e<\/span><\/p><\/div>\n<p>Sada je na redu odobrenje stambenog kredita. Tako\u0111er, kre\u0107e priprema kupoprodajnog ugovora koji se ovjerava kod javnog bilje\u017enika.<\/p>\n<p>Pravna slu\u017eba banke priprema ugovornu dokumentaciju i dokumentaciju potrebnu za upis hipoteke.<\/p>\n<p>Tako pripremljenu dokumentaciju potpisuju svi sudionici u kreditu. Nakon toga kre\u0107e solemnizacija ugovora.<\/p>\n<p>U prosjeku tro\u0161kovi javnog bilje\u017enika iznose od 400\u20ac do 700\u20ac.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Osiguranje_kredita_i_nekretnine\"><\/span>9) Osiguranje kredita i nekretnine<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Korisnik kredita mora osigurati nekretnine i kredit. Kako bi se osigurala, banka od korisnika kredita zahtijeva osiguranje nekretnine od osnovnih rizika\u00a0za cijelo vrijeme otplate kredita.<\/p>\n<p><a href=\"https:\/\/www.progreso.hr\/blog\/stambeni-krediti-procedura\/\" target=\"_blank\" rel=\"noopener\">Osnovni rizici<\/a> koji ugro\u017eavaju nekretninu su po\u017ear, udar groma, eksplozija, oluja, tu\u010da, udar motornog vozila u gra\u0111evinski objekt, pad i udar zra\u010dne letjelice te manifestacije i demonstracije.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_I_za_kraj\"><\/span>10) I za kraj<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kre\u0107e isplata stambenog kredita na ra\u010dun prodavatelja nekretnine, sukladno ugovoru\u00a0 o kupoprodaji.<\/p>\n<p>Nakon toga pla\u0107ate porez na promet nekretnine.<\/p>\n<p>Naoru\u017eajte se strpljenjem kada kre\u0107ete u realizaciju svog stambenog kredita.<\/p>\n<p>No, ako ipak ustanovite da nemate dovoljno veliku pla\u0107u za dizanje kredita, potra\u017eite novi posao na <a href=\"http:\/\/zaposlise.hr\">Zaposlise.hr.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pla\u0107a je klju\u010dan faktor kod dizanja stambenog kredita. Jeste li spremni prihvatiti izazov da postanete vlasnik ku\u0107e? Ako je tako, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":9616,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[27],"tags":[197,269,42,283],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pla\u0107a i stambeni kredit - Zaposlise.hr<\/title>\n<meta name=\"description\" content=\"Pla\u0107a - koliki iznos je potreban da biste mogli di\u0107i stambeni kredit? 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