{"id":124423,"date":"2022-03-24T01:19:28","date_gmt":"2022-03-24T00:19:28","guid":{"rendered":"https:\/\/radioljubuski.ba\/?p=124423"},"modified":"2022-03-24T01:19:29","modified_gmt":"2022-03-24T00:19:29","slug":"zasto-gradani-u-bih-uzimaju-najvise-potrosacke-kredite","status":"publish","type":"post","link":"https:\/\/radioljubuski.ba\/index.php\/2022\/03\/24\/zasto-gradani-u-bih-uzimaju-najvise-potrosacke-kredite\/","title":{"rendered":"Za\u0161to gra\u0111ani u BiH uzimaju najvi\u0161e potro\u0161a\u010dke kredite"},"content":{"rendered":"\n

Prema podacima entitetskih agencija za bankarstvo, krajem 2021. godine gra\u0111ani Bosne i Hercegovine najvi\u0161e duguju za potro\u0161a\u010dke kredite koji su iznosili oko 7,8 milijardi maraka.<\/p>\n\n\n\n

Potro\u0161a\u010dki krediti rastu u odnosu na investicijske i stambene kredite iz vi\u0161e razloga, a jedan od njih je i za pove\u0107anje standarda potro\u0161nje, tvrdi Berislav Kutle, predsjednik Udru\u017eenja banaka BiH.<\/p>\n\n\n\n

– Od ukupno vi\u0161e od 14 milijardi kredita koje gra\u0111ani duguju prema podacima s kraja 2021. godine, 7,8 milijardi maraka se odnosi na potro\u0161a\u010dke kredite. Stanovni\u0161to di\u017ee potro\u0161a\u010dke kredite iz vi\u0161e razloga. Prije svega za ovu vrstu kredita ne treba puno papirologije i podi\u017eu se na rok od pet do deset godina i maksimalni iznos koji se mo\u017ee podi\u0107i je 50 tisu\u0107a maraka, \u0161to stanovni\u0161tvu BiH prema primanjima koje imaju najvi\u0161e odgovara \u2013 poja\u0161njava za Faktor <\/a>Kutle.<\/p>\n\n\n\n

Jedan dio kredita potro\u0161e da pre\u017eive<\/strong><\/p>\n\n\n\n

Direktor udru\u017eenja banaka isti\u010de da su primanja zaposlenih mala, pa se ne mogu zadu\u017eiti za neke ve\u0107e iznose, recimo da rije\u0161e stambeno pitanje.<\/p>\n\n\n\n

– Sada nastaje problem, ako ve\u0107ina kredita ode na potro\u0161nju, a moraju kredit vra\u0107ati pet do deset godina, a trebat \u0107e im novi krediti za novu potro\u0161nju. Prosje\u010dna pla\u0107a u Bosni i Hercegovini je 1.100 maraka, a realna pla\u0107a zaposlenih je izme\u0111u 600 i 700 maraka, koju ima najve\u0107i broj stanovni\u0161tva. S tim prihodom samo potro\u0161a\u010dke kredite i mogu dizati. Ipak, jedan dio kredita potro\u0161e da pre\u017eive, a preostali dio potro\u0161e na stambenu izgradnju, kupovinu auta i neke investicije jer jednostavno mogu podi\u0107i potro\u0161a\u010dki kredit \u2013 smatra Kutle.<\/p>\n\n\n\n

Me\u0111utim, upozorava sugovornik, ve\u0107 nastaju problemi koji jo\u0161 nisu vidljivi.<\/p>\n\n\n\n

– Pretpostavka inflacije u ovoj godini bila je ne\u0161to ve\u0107a od tri posto, a bit \u0107e vi\u0161a od 10 posto. Naredne godine sigurno \u0107e biti jo\u0161 ve\u0107a inflacija. Primanja gra\u0111ana \u0107e se malo ili nimalo pove\u0107avati i tu \u0107e nastati problemi u kvalitetu \u017eivljenja u BiH koje \u0107e pasti u naredne dvije godine. Razlog je \u0161to se onaj dio potro\u0161a\u010dkih kredita koji je oti\u0161ao u stvarnu potro\u0161nju, u ono \u0161to se ne mo\u017ee nadoknaditi, javlja kao pove\u0107anje potreba. Pri tome vi\u0161e mogu\u0107nosti za podizanje takvog kredita, kako bi se te potrebe zadovoljile, nema, tako da su oni potro\u0161a\u010dki krediti dobrodo\u0161li, ali moraju biti ograni\u010deni – zaklju\u010duje Kutle.<\/p>\n\n\n\n

Mo\u017eemo zaklju\u010diti da se radi o oporavku kreditne aktivnosti u toku 2021. godine, dok su promjene u strukturi kreditnog portfolija u skladu sa ustaljenim trendovima rasta kori\u0161tenja pojedinih vrsta kreditiranja, kazao je Jasmin Mahmuzi\u0107, direktor Agencije za bankarstvo FBiH.<\/p>\n\n\n\n

– Prema podacima o strukturi portfolija kredita stanovni\u0161tvu koje banke dostavljaju Agenciji za bankarstvo FBiH, izdvajaju se kategorije: op\u0107a potro\u0161nja, stambena izgradnja i krediti za obavljanje djelatnosti (obrtnici). Krediti za op\u0107u potro\u0161nju, koji uklju\u010duju i odre\u0111ene kategorije namjenskih kredita, sa krajem 2021. godine, kao i u prethodnom periodu, imaju najve\u0107e u\u010de\u0161\u0107e u ukupnim kreditima stanovni\u0161tva. Karakteristike ili jednostavnost kori\u0161tenja kredita za op\u0107u potro\u0161nju smanjuje potrebu za ostalim oblicima namjenskih potro\u0161a\u010dkih kredita, kao \u0161to su krediti za kupovinu automobila ili krediti za renoviranje stambenih jedinica i sli\u010dno – poja\u0161njava Mahmuzi\u0107.<\/p>\n\n\n\n

Sindikalna korpa za velja\u010du iznosila 2.389 KM<\/strong><\/p>\n\n\n\n

Prema podacima Agencije za bankarstvo FBiH sa 31.12.2021. godine, krediti za op\u0107u potro\u0161nju su rasli za 3,3 posto u odnosu na isti period prethodne godine do vrijednosti porfolija od \u0161est milijardi KM, dok su ukupni krediti prema stanovni\u0161tvu rasli za 4,6 posto na 7,6 milijardi KM.<\/p>\n\n\n\n

– Napominjemo da je u toku 2020. godine zabilje\u017eeno smanjenje kredita stanovni\u0161tva od 1,6 posto u odnosu na kraj 2019. godine. U ovom periodu su krediti za op\u0107u potro\u0161nju zabilje\u017eili smanjenje od 3,4 posto, \u0161to je o\u010dekivano, obzirom na negativne posljedice vezane za pandemiju COVID-19. Smatramo da je rast kredita prema stanovni\u0161tvu umjerenim jer je stopa rasta usporediva ili je ni\u017ea od o\u010dekivane promjene BDP-a u toj godini – isti\u010de Mahmuzi\u0107.<\/p>\n\n\n\n

Sindikalna potro\u0161a\u010dka ko\u0161arica koju je Savez samostalnih sindikata Bosne i Hercegovine izra\u010dunao za velja\u010du 2022. godine iznosila je 2.389 KM. Prosje\u010dna pla\u0107a ispla\u0107ena u Federaciji BiH u decembru 2021. iznosila je 1.046 KM.<\/p>\n\n\n\n

Pokrivenost Sindikalne potro\u0161a\u010dke ko\u0161arice prosje\u010dnom pla\u0107om je 43,78 posto.<\/p>\n\n\n\n

Cilj monetarne i fiskalne politike je pove\u0107ati investicije i spomenutu potro\u0161nju. Jedan od glavnih instrumenata za postizanje toga cilja jesu krediti. Kupovina stana, automobila, pa \u010dak i \u0161kolovanja, zahtijeva ve\u0107e nov\u010dane izdatke koje je nemogu\u0107e namiriti iz prosje\u010dne bosanskohercegova\u010dke pla\u0107e, pa \u0107e krediti uvijek biti tra\u017eena roba.<\/p>\n\n\n\n

Izvor:faktor.ba<\/p>\n","protected":false},"excerpt":{"rendered":"

Prema podacima entitetskih agencija za bankarstvo, krajem 2021. godine gra\u0111ani Bosne i Hercegovine najvi\u0161e duguju za potro\u0161a\u010dke kredite koji su iznosili oko 7,8 milijardi maraka. Potro\u0161a\u010dki krediti rastu u odnosu na investicijske i stambene kredite iz vi\u0161e razloga, a jedan od njih je i za pove\u0107anje standarda potro\u0161nje, tvrdi Berislav Kutle, predsjednik Udru\u017eenja banaka BiH. […]<\/p>\n","protected":false},"author":2,"featured_media":124424,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"h5ap_radio_sources":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-124423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bihiregija"],"yoast_head":"\nZa\u0161to gra\u0111ani u BiH uzimaju najvi\u0161e potro\u0161a\u010dke kredite - RADIO LJUBU\u0160KI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/radioljubuski.ba\/index.php\/2022\/03\/24\/zasto-gradani-u-bih-uzimaju-najvise-potrosacke-kredite\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Za\u0161to gra\u0111ani u BiH uzimaju najvi\u0161e potro\u0161a\u010dke kredite - RADIO LJUBU\u0160KI\" \/>\n<meta property=\"og:description\" content=\"Prema podacima entitetskih agencija za bankarstvo, krajem 2021. godine gra\u0111ani Bosne i Hercegovine najvi\u0161e duguju za potro\u0161a\u010dke kredite koji su iznosili oko 7,8 milijardi maraka. Potro\u0161a\u010dki krediti rastu u odnosu na investicijske i stambene kredite iz vi\u0161e razloga, a jedan od njih je i za pove\u0107anje standarda potro\u0161nje, tvrdi Berislav Kutle, predsjednik Udru\u017eenja banaka BiH. 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Potro\u0161a\u010dki krediti rastu u odnosu na investicijske i stambene kredite iz vi\u0161e razloga, a jedan od njih je i za pove\u0107anje standarda potro\u0161nje, tvrdi Berislav Kutle, predsjednik Udru\u017eenja banaka BiH. 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