SD Dojavi
OSMRTNICE
PRETPLATA
PREMIUM
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Poskupljenja u protekla tri mjeseca ostavila su pustoš na bankovnim računima njemačkih građana: već svaki sedmi korisnik bankovnih računa u, za mnoge Hrvate, obećanoj zemlji u tom je razdoblju dospio u minus, odnosno svoje tekuće troškove plaća zahvaljujući dopuštenom prekoračenju u banci.

Zaključak je to njemačkih društava za zaštitu potrošača, a u ispitivanju korisnika utvrđeno je kako oko polovice upitanih kao razlog navodi poskupljenje troškova života i prije svega veće troškove za energente, piše Deutsche Welle.

Od 1000 ispitanika u Njemačkoj njih 9 posto potvrdilo je kako njihovi prihodi više ne mogu pokriti izdatke i jedini izlaz vide u kreditu. No zaštitnici potrošača i ovom prilikom - kao i bezbroj puta do sada - upozoravaju kako ‘minus‘ na tekućem računu doduše jest pozajmica koje banke u pravilu daju svima s redovitim prihodima, ali i kako je zapravo u pitanju zelenaško kamatarenje.

Čelnica njemačke udruge centrala za zaštitu potrošača Ramona Pop upozorila je u svojoj izjavi za postaju SWR kako ‘minus‘ na računu ima smisla samo kod nekog jednokratnog i iznenadnog izdatka, ali takvoga kojeg si korisnik može i priuštiti. Drugim riječima, možda za novu perilicu ako je stara odjednom ispustila dušu, ali nipošto ne da bi se plaćala stanarina ili račun za struju.

Banke se, dobro to znaju Hrvati, jako raduju ‘upadanju u minus‘ njihovih klijenata. I u pravilu ga nude široke ruke svima onima koji imaju tekući račun, jer na njemu odlično zarađuju. A sada s njime susreće i sve veći broj Nijemaca zbog nemogućnosti podmirivanja tekućih troškova uzrokovanih rastom cijena. U mnogim njemačkim bankama dopušteno prekoračenje na tekućem računu iznosi dvije ili tri mjesečne plaće, no Ramona Pop upozorava njemačke građane kako "kad se duboko upadne u taj dug, više nema šanse da se iz njega izađe".

Zato je predložila da se bankama zabrani automatsko nuđenje prekoračenja po tekućem računu i nametne im dužnost provjere može li korisnik uopće vratiti dug. Predsjednica njemačke udruge za zaštitu potrošača ujedno je uputila građane da, ukoliko sami ne izlaze na kraj sa svojim ‘minusom’, potraže stručnu pomoć u upravljanju osobnim troškovima.

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(dpa) - Bank clients change their German Marks (front) into the new Euro banknotes at a bank in Berlin, 1.1.2002. Many were eager to see the new money and queued up at night in front of cash dispensers and banks that had special opening hours. January 1st, 2002 marked the official date for the launch of the Euro as common currency for 300 million citizens in twelve European states: Belgium, France, Luxemburg, Netherlands, Germany, Austria, Ireland, Italy, Finland, Spain, Portugal and Greece. (Photo by WOLFGANG KUMM/DPA/dpa Picture-Alliance via AFP)

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(dpa) - Bank clients change their German Marks (front) into the new Euro banknotes at a bank in Berlin, 1.1.2002. Many were eager to see the new money and queued up at night in front of cash dispensers and banks that had special opening hours. January 1st, 2002 marked the official date for the launch of the Euro as common currency for 300 million citizens in twelve European states: Belgium, France, Luxemburg, Netherlands, Germany, Austria, Ireland, Italy, Finland, Spain, Portugal and Greece. (Photo by WOLFGANG KUMM/DPA/dpa Picture-Alliance via AFP)

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Bills of 5, 10, 20, 50 euros. Illustration pictures of bills and coins in euro. Cours-la-Ville, July 21 2022. (Photo illustration by Adrien Fillon/NurPhoto) (Photo by Adrien Fillon/NurPhoto/NurPhoto via AFP)

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Poskupljenja u protekla tri mjeseca ostavila su pustoš na bankovnim računima njemačkih građana: već svaki sedmi korisnik bankovnih računa u, za mnoge Hrvate, obećanoj zemlji u tom je razdoblju dospio u minus, odnosno svoje tekuće troškove plaća zahvaljujući dopuštenom prekoračenju u banci.

Zaključak je to njemačkih društava za zaštitu potrošača, a u ispitivanju korisnika utvrđeno je kako oko polovice upitanih kao razlog navodi poskupljenje troškova života i prije svega veće troškove za energente, piše Deutsche Welle.

Od 1000 ispitanika u Njemačkoj njih 9 posto potvrdilo je kako njihovi prihodi više ne mogu pokriti izdatke i jedini izlaz vide u kreditu. No zaštitnici potrošača i ovom prilikom - kao i bezbroj puta do sada - upozoravaju kako ‘minus‘ na tekućem računu doduše jest pozajmica koje banke u pravilu daju svima s redovitim prihodima, ali i kako je zapravo u pitanju zelenaško kamatarenje.

Čelnica njemačke udruge centrala za zaštitu potrošača Ramona Pop upozorila je u svojoj izjavi za postaju SWR kako ‘minus‘ na računu ima smisla samo kod nekog jednokratnog i iznenadnog izdatka, ali takvoga kojeg si korisnik može i priuštiti. Drugim riječima, možda za novu perilicu ako je stara odjednom ispustila dušu, ali nipošto ne da bi se plaćala stanarina ili račun za struju.

Banke se, dobro to znaju Hrvati, jako raduju ‘upadanju u minus‘ njihovih klijenata. I u pravilu ga nude široke ruke svima onima koji imaju tekući račun, jer na njemu odlično zarađuju. A sada s njime susreće i sve veći broj Nijemaca zbog nemogućnosti podmirivanja tekućih troškova uzrokovanih rastom cijena. U mnogim njemačkim bankama dopušteno prekoračenje na tekućem računu iznosi dvije ili tri mjesečne plaće, no Ramona Pop upozorava njemačke građane kako "kad se duboko upadne u taj dug, više nema šanse da se iz njega izađe".

Zato je predložila da se bankama zabrani automatsko nuđenje prekoračenja po tekućem računu i nametne im dužnost provjere može li korisnik uopće vratiti dug. Predsjednica njemačke udruge za zaštitu potrošača ujedno je uputila građane da, ukoliko sami ne izlaze na kraj sa svojim ‘minusom’, potraže stručnu pomoć u upravljanju osobnim troškovima.

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Wolfgang Kumm/Dpa Picture-alliance Via Afp Adrien Fillon/Nurphoto Via Afp
Wolfgang Kumm/Dpa Picture-alliance Via Afp

(dpa) - Bank clients change their German Marks (front) into the new Euro banknotes at a bank in Berlin, 1.1.2002. Many were eager to see the new money and queued up at night in front of cash dispensers and banks that had special opening hours. January 1st, 2002 marked the official date for the launch of the Euro as common currency for 300 million citizens in twelve European states: Belgium, France, Luxemburg, Netherlands, Germany, Austria, Ireland, Italy, Finland, Spain, Portugal and Greece. (Photo by WOLFGANG KUMM/DPA/dpa Picture-Alliance via AFP)
Adrien Fillon/Nurphoto Via Afp

Bills of 5, 10, 20, 50 euros. Illustration pictures of bills and coins in euro. Cours-la-Ville, July 21 2022. (Photo illustration by Adrien Fillon/NurPhoto) (Photo by Adrien Fillon/NurPhoto/NurPhoto via AFP)
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StoryEditorOCM
Svijetživot u minusu

Kriza u ‘obećanoj zemlji‘: zbog pustoši na računima sve veći broj Nijemaca pribjegava omiljenoj metodi Hrvata

Piše L. M.
6. veljače 2023. - 20:20
&lt;p&gt;(dpa) - Bank clients change their German Marks (front) into the new Euro banknotes at a bank in Berlin, 1.1.2002. Many were eager to see the new money and queued up at night in front of cash dispensers and banks that had special opening hours. January 1st, 2002 marked the official date for the launch of the Euro as common currency for 300 million citizens in twelve European states: Belgium, France, Luxemburg, Netherlands, Germany, Austria, Ireland, Italy, Finland, Spain, Portugal and Greece. (Photo by WOLFGANG KUMM/DPA/dpa Picture-Alliance via AFP)&lt;/p&gt;
PREMIUM
(dpa) - Bank clients change their German Marks (front) into the new Euro banknotes at a bank in Berlin, 1.1.2002. Many were eager to see the new money and queued up at night in front of cash dispensers and banks that had special opening hours. January 1st, 2002 marked the official date for the launch of the Euro as common currency for 300 million citizens in twelve European states: Belgium, France, Luxemburg, Netherlands, Germany, Austria, Ireland, Italy, Finland, Spain, Portugal and Greece. (Photo by WOLFGANG KUMM/DPA/dpa Picture-Alliance via AFP)Wolfgang Kumm/Dpa Picture-alliance Via Afp

Poskupljenja u protekla tri mjeseca ostavila su pustoš na bankovnim računima njemačkih građana: već svaki sedmi korisnik bankovnih računa u, za mnoge Hrvate, obećanoj zemlji u tom je razdoblju dospio u minus, odnosno svoje tekuće troškove plaća zahvaljujući dopuštenom prekoračenju u banci.

Zaključak je to njemačkih društava za zaštitu potrošača, a u ispitivanju korisnika utvrđeno je kako oko polovice upitanih kao razlog navodi poskupljenje troškova života i prije svega veće troškove za energente, piše Deutsche Welle.

Od 1000 ispitanika u Njemačkoj njih 9 posto potvrdilo je kako njihovi prihodi više ne mogu pokriti izdatke i jedini izlaz vide u kreditu. No zaštitnici potrošača i ovom prilikom - kao i bezbroj puta do sada - upozoravaju kako ‘minus‘ na tekućem račun...

#NJEMAČKA#MINUS NA RAČUNU
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19. svibanj 2024 07:07