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Od srpnja 2021. do danas Hrvati uzimaju sve više i više nenamjenskih gotovinskih kredita i u tome ih ne sprečavaju ni rastuće kamatne stope. Vrijednost “gotovinaca” koji se koriste za financiranje sitnijih projekata, kupnju automobila i financiranje ostale potrošnje u Hrvatskoj je u prosincu prošle godine iznosila gotovo osam milijardi eura, što je udio od 36,7 posto vrijednosti svih kredita, navodi N1 televizija. 

U odnosu na prosinac 2022., vrijednost gotovinskih kredita porasla je za čak 10,9 u prosincu 2023., a rast na mjesečnoj razini iznosio je pola posto, što je najviša stopa mjesečnog rasta još od svibnja 2019. godine.

Analitičari Raiffeisen banke smatraju je do snažnog rasta potražnje za “gotovincima” došlo zbog “snažnije sklonosti nabavi trajnih potrošnih dobara uslijed rasta nominalnih, ali i realnih plaća te, s druge strane, rastuće potrebe za financijskim pozajmicama uslijed inflatornih pritisaka u posljednje dvije godine”.

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Berislava Picek/Cropix/Cropix
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U uvjetima rasta nominalnih plaća može se očekivati nastavak solidne potražnje za promatranim kreditima pa evo kakva je ponuda u najvećim bankama. Očekivano, uvjeti kredita gotovo su posvuda isti, uz jednu bitnu razliku – kamatu.

Prema podacima iz informativnog izračuna Hrvatske narodne banke, sedam najvećih banaka u Hrvatskoj nudi maksimalan iznos nenamjenskog gotovinskog kredita od 40.000 eura na najdulji rok od 120 mjeseci, tj. čak 10 godina.

Varijabilne kamatne stope uopće nisu u ponudi najvećih banaka, već se ovi krediti nude uz fiksni kamatnjak u rasponu od 5,9 do 7,44 posto.

Pri tome najbolje prolaze klijenti državne Hrvatske poštanske banke, u kojoj možete dobiti gotovinski kredit uz kamatu od 5,9 posto. Tek je nešto više skuplja Erste banka s kamatom od 6,06 posto.

Kamate od 6,7 i 6,91 posto nude OTP i najveća domaća banka – Zagrebačka. Tri banke s najvišim kamatama na “gotovince” su PBZ (7,21), Addiko Bank (7,23) i Raiffeisen (7,44 posto), no opet valja podsjetiti da je riječ o HNB-ovim informativnim izračunima te da vaš posjet poslovnici banke može uroditi i nižim kamatama.

 

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Od srpnja 2021. do danas Hrvati uzimaju sve više i više nenamjenskih gotovinskih kredita i u tome ih ne sprečavaju ni rastuće kamatne stope. Vrijednost “gotovinaca” koji se koriste za financiranje sitnijih projekata, kupnju automobila i financiranje ostale potrošnje u Hrvatskoj je u prosincu prošle godine iznosila gotovo osam milijardi eura, što je udio od 36,7 posto vrijednosti svih kredita, navodi N1 televizija. 

U odnosu na prosinac 2022., vrijednost gotovinskih kredita porasla je za čak 10,9 u prosincu 2023., a rast na mjesečnoj razini iznosio je pola posto, što je najviša stopa mjesečnog rasta još od svibnja 2019. godine.

Analitičari Raiffeisen banke smatraju je do snažnog rasta potražnje za “gotovincima” došlo zbog “snažnije sklonosti nabavi trajnih potrošnih dobara uslijed rasta nominalnih, ali i realnih plaća te, s druge strane, rastuće potrebe za financijskim pozajmicama uslijed inflatornih pritisaka u posljednje dvije godine”.

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image
Berislava Picek/Cropix/Cropix
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U uvjetima rasta nominalnih plaća može se očekivati nastavak solidne potražnje za promatranim kreditima pa evo kakva je ponuda u najvećim bankama. Očekivano, uvjeti kredita gotovo su posvuda isti, uz jednu bitnu razliku – kamatu.

Prema podacima iz informativnog izračuna Hrvatske narodne banke, sedam najvećih banaka u Hrvatskoj nudi maksimalan iznos nenamjenskog gotovinskog kredita od 40.000 eura na najdulji rok od 120 mjeseci, tj. čak 10 godina.

Varijabilne kamatne stope uopće nisu u ponudi najvećih banaka, već se ovi krediti nude uz fiksni kamatnjak u rasponu od 5,9 do 7,44 posto.

Pri tome najbolje prolaze klijenti državne Hrvatske poštanske banke, u kojoj možete dobiti gotovinski kredit uz kamatu od 5,9 posto. Tek je nešto više skuplja Erste banka s kamatom od 6,06 posto.

Kamate od 6,7 i 6,91 posto nude OTP i najveća domaća banka – Zagrebačka. Tri banke s najvišim kamatama na “gotovince” su PBZ (7,21), Addiko Bank (7,23) i Raiffeisen (7,44 posto), no opet valja podsjetiti da je riječ o HNB-ovim informativnim izračunima te da vaš posjet poslovnici banke može uroditi i nižim kamatama.

 

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Hrvatska i svijetPreko svake mjere

Treba vam kredit? Pogledajte kolike su kamate na ‘gotovince‘ u najvećim bankama

Piše DV
22. veljače 2024. - 07:46
26517137
Galerija
Luka Gerlanc/

Od srpnja 2021. do danas Hrvati uzimaju sve više i više nenamjenskih gotovinskih kredita i u tome ih ne sprečavaju ni rastuće kamatne stope. Vrijednost “gotovinaca” koji se koriste za financiranje sitnijih projekata, kupnju automobila i financiranje ostale potrošnje u Hrvatskoj je u prosincu prošle godine iznosila gotovo osam milijardi eura, što je udio od 36,7 posto vrijednosti svih kredita, navodi N1 televizija. 

U odnosu na prosinac 2022., vrijednost gotovinskih kredita porasla je za čak 10,9 u prosincu 2023., a rast na mjesečnoj razini iznosio je pola posto, što je najviša stopa mjesečnog rasta još od svibnja 2019. godine.

Analitičari Raiffeisen banke smatraju je do snažnog rasta potražnje za “gotovincima” došlo zbog “snažnije sklonosti nabavi trajnih potrošnih dobara uslijed rasta nominalnih, ali i realnih plaća te, s druge strane, rastuće potrebe za financijskim pozajmicama uslijed inflatornih pritisaka u posljednje dvije godine”.

image
Berislava Picek/Cropix/Cropix

U uvjetima rasta nominalnih plaća može se očekivati nastavak solidne potražnje za promatranim kreditima pa evo kakva je ponuda u najvećim bankama. Očekivano, uvjeti kredita gotovo su posvuda isti, uz jednu bitnu razliku – kamatu.

Prema podacima iz informativnog izračuna Hrvatske narodne banke, sedam najvećih banaka u Hrvatskoj nudi maksimalan iznos nenamjenskog gotovinskog kredita od 40.000 eura na najdulji rok od 120 mjeseci, tj. čak 10 godina.

Varijabilne kamatne stope uopće nisu u ponudi najvećih banaka, već se ovi krediti nude uz fiksni kamatnjak u rasponu od 5,9 do 7,44 posto.

Pri tome najbolje prolaze klijenti državne Hrvatske poštanske banke, u kojoj možete dobiti gotovinski kredit uz kamatu od 5,9 posto. Tek je nešto više skuplja Erste banka s kamatom od 6,06 posto.

Kamate od 6,7 i 6,91 posto nude OTP i najveća domaća banka – Zagrebačka. Tri banke s najvišim kamatama na “gotovince” su PBZ (7,21), Addiko Bank (7,23) i Raiffeisen (7,44 posto), no opet valja podsjetiti da je riječ o HNB-ovim informativnim izračunima te da vaš posjet poslovnici banke može uroditi i nižim kamatama.

 

#KREDITI#EURO#NENAMJENSKI KREDITI#GOTOVINSKI KREDITI
17. svibanj 2024 09:43