{"id":171724,"date":"2022-08-23T12:39:59","date_gmt":"2022-08-23T11:39:59","guid":{"rendered":"https:\/\/radioljubuski.ba\/?p=171724"},"modified":"2022-08-23T12:40:01","modified_gmt":"2022-08-23T11:40:01","slug":"vlada-i-banke-donijele-nova-pravila-prekoracenja-po-tekucem-racunu-evo-sto-se-mijenja","status":"publish","type":"post","link":"https:\/\/radioljubuski.ba\/index.php\/2022\/08\/23\/vlada-i-banke-donijele-nova-pravila-prekoracenja-po-tekucem-racunu-evo-sto-se-mijenja\/","title":{"rendered":"Vlada i banke donijele nova pravila prekora\u010denja po teku\u0107em ra\u010dunu: Evo \u0161to se mijenja"},"content":{"rendered":"\n<p>Vlada RH, HNB i trinaest banaka potpisale su memorandum o novim pravilima prekora\u010denja po teku\u0107em ra\u010dunu. Rije\u010d je o onim bankama koje odobravaju pre\u0161utno prekora\u010denje. Memorandum omogu\u0107uje prelazak s \u201epre\u0161utno prihva\u0107enih\u201d na \u201edopu\u0161tena prekora\u010denja\u201d za gotovo milijun i osamsto tisu\u0107a potro\u0161a\u010da kojima je odobreno pre\u0161utno prihva\u0107eno prekora\u010denje. U objavi pi\u0161e: Prelaskom na dopu\u0161tena prekora\u010denja, svim potro\u0161a\u010dima bit \u0107e zajam\u010dena ni\u017ea cijena kori\u0161tenja prekora\u010denja te postupna otplata duga u slu\u010daju smanjenja ili ukidanja prekora\u010denja. Budu\u0107i da se ova promjena odnosi na polovicu Hrvata, nova pravila za <a href=\"https:\/\/vijesti.hrt.hr\/hrvatska\/nova-pravila-prekoracenja-po-tekucem-racunu-sto-se-mijenja-i-za-koga-9150612?fbclid=IwAR0n694KNZZblQqWLDYehB-PjcTE9FGI6r2tLNAVnWGYY8nEgVUN6U03eMk\" target=\"_blank\" rel=\"noreferrer noopener\">hrt <\/a>pojasnio je viceguverner HNB-a Bojan Fras.<\/p>\n\n\n\n<div style=\"width: 640px;\" class=\"wp-video\"><video class=\"wp-video-shortcode\" id=\"video-171724-1\" width=\"640\" height=\"360\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"https:\/\/api.hrt.hr\/media\/c2\/b1\/stkardum22822a-20220822121616.mp4?_=1\" \/><a href=\"https:\/\/api.hrt.hr\/media\/c2\/b1\/stkardum22822a-20220822121616.mp4\">https:\/\/api.hrt.hr\/media\/c2\/b1\/stkardum22822a-20220822121616.mp4<\/a><\/video><\/div>\n\n\n\n\n\n<p>Viceguverner HNB-a Bojan Fras kazao je da se na memorandumu radilo gotovo godinu dana, a potreba za njim postala je o\u010digledna nakon nekoliko prigovora potro\u0161a\u010da zate\u010denih \u010dinjenicom da su njihova dopu\u0161tena prekora\u010denja prenesena u pre\u0161utna prekora\u010denja.<\/p>\n\n\n\n<p>\u2013 Proveli smo \u0161ire istra\u017eivanje i utvrdili da su banke od 2018. nadalje masovno migrirale svoje korisnike teku\u0107ih ra\u010duna i njihove minuse iz dopu\u0161tenih prekora\u010denja na pre\u0161utna.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Za\u0161tita potro\u0161a\u010da i bolja informiranost o sadr\u017eaju&nbsp;<\/strong><\/h3>\n\n\n\n<p>Razlika izme\u0111u te dvije vrste prekora\u010denja, obja\u0161njava Fras, jest da se dopu\u0161teno prekora\u010denje ugovara otvaranjem teku\u0107eg ra\u010duna.<\/p>\n\n\n\n<p>\u2013 Ono bolje \u0161titi potro\u0161a\u010de i omogu\u0107ava im bolju informiranost o sadr\u017eaju njihovog odnosa s prekora\u010denjem te je jeftinije za potro\u0161a\u010de od pre\u0161utnog prekora\u010denja, jer se na dopu\u0161teno prekora\u010denje primjenjuje ograni\u010denje efektivne kamatne stope koja je sada temeljem zakona 7,31 %. Kod pre\u0161utnih osiguranja ne postoji takvo ograni\u010denje, postoji samo ograni\u010denje maksimalne nominalne kamatne stope od 7,97 %, ali na to se jo\u0161 dodaju bankovne naknade. Potro\u0161a\u010di koji koriste pre\u0161utna ograni\u010denja u prosjeku pla\u0107aju od 2 do 3 posto vi\u0161u efektivnu kamatnu stopu u odnosu na one u zoni dopu\u0161tenog prekora\u010denja, obja\u0161njava.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u201cBanke su do 30. 6. 2023. du\u017ene svojim korisnicima ponuditi dopu\u0161teno prekora\u010denje do iste visine koju i sada imaju\u201d<\/strong><\/h3>\n\n\n\n<p>Novi memorandum stupa na snagu do 30. lipnja 2023. \u2013 to zna\u010di bolju regulaciju za\u0161tite potro\u0161a\u010da.<\/p>\n\n\n\n<p>\u2013 Ta se za\u0161tita najbolje manifestira u situacijama kada je banka zbog prestanka primitaka na ra\u010dunu du\u017ena umanjiti iznos minusa ili ga ukinuti \u2013 kod dopu\u0161tenog prekora\u010denja banka je du\u017ena potro\u0161a\u010du ponuditi otplatu razlike u 12 mjeseci, a kod pre\u0161utnog prekora\u010denja to banka nije du\u017ena u\u010diniti. Banke jo\u0161 nisu posezale za tim pravom, ali ne znamo \u0161to bi se dogodilo kad bi do\u0161lo do neke nove krizne situacije. Najva\u017enije za korisnike teku\u0107ih ra\u010duna jest to da se iznosi odobrenih minusa, na koje su korisnici imali pravo u trenutku potpisivanja memoranduma, ne mijenjaju \u2013 ostaju identi\u010dni. Banke su do 30. 6. 2023. du\u017ene svojim korisnicima ponuditi dopu\u0161teno prekora\u010denje do iste visine koju i sada imaju, napominje Fras.<\/p>\n\n\n\n<p>Memorandum \u0107e tako\u0111er, dodaje, s namjerom za\u0161tite potro\u0161a\u010da, sprije\u010diti mogu\u0107nost da se pogodnosti ugovorene tim memorandumom u korist potro\u0161a\u010da zapravo ne dovedu u pitanje mogu\u0107no\u0161\u0107u da banka proda dug potro\u0161a\u010da nekoj agenciji za naplatu potra\u017eivanja.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Nova pravila su na stolu<\/strong><\/h3>\n\n\n\n<p>Obja\u0161njava kako su banke du\u017ene svojim potro\u0161a\u010dima i korisnicima prekora\u010denja na teku\u0107im ra\u010dunima ponuditi u istoj visini dopu\u0161teno prekora\u010denje, kao i kombinaciju novog dopu\u0161tenog i novog pre\u0161utnog prekora\u010denja \u2013 uz odre\u0111ena pravila.<\/p>\n\n\n\n<p>\u2013 Koncepti ova dva prekora\u010denja su komplementarni. Nadopunjavaju se na na\u010din da se prvenstveno odobrava dopu\u0161teno prekora\u010denje koje je redovni oblik prekora\u010denja. Povrh njega bi se eventualno moglo jo\u0161 nadodati pre\u0161utno prekora\u010denje za neke klijente ili situacije. Prvo pravilo je da, kada banka nudi novo dopu\u0161teno prekora\u010denje, do visine pre\u0161utnog prekora\u010denja koje klijent sada u\u017eiva, banka mora najmanje polovicu tog iznosa dati u dopu\u0161tenom prekora\u010denju. Drugo pravilo je da iznos pre\u0161utnog prekora\u010denja u kombiniranom prekora\u010denju mo\u017ee iznositi najvi\u0161e jedno mjese\u010dno primanje.<\/p>\n\n\n\n<p>Ve\u0107 od 1. rujna ove godine banke \u0107e po\u010deti s primjenom ograni\u010denja efektivne kamatne stope na postoje\u0107a pre\u0161utna prekora\u010denja. To u praksi zna\u010di jednu od dvije najva\u017enije pogodnosti predvi\u0111ene memorandumom, ka\u017ee Fras.<\/p>\n\n\n\n<p>\u2013 Potro\u0161a\u010d \u0107e od 1. rujna za svoja postoje\u0107a pre\u0161utna prekora\u010denja odmah po\u010deti u\u017eivati ni\u017eu efektivnu kamatnu stopu, i to \u0107e za gra\u0111ane biti jeftinije. Ostalo \u0107e trajati odre\u0111eno razdoblje.<\/p>\n\n\n\n<p>Nova pravila su na stolu. Memorandum banaka, HNB-a, Vlade i Ministarstva financija potpisan. Sad je vrijeme za va\u0161 individualni kona\u010dni obra\u010dun. Nekima se vjerojatno ne\u0107e svidjeti novo ograni\u010denje \u201e\u017eivota na dug\u201d. Drugi ve\u0107 sad strepe kako \u0107e podmiriti razliku.<\/p>\n\n\n\n<p><em>Izvor: narod.hr\/hrt<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vlada RH, HNB i trinaest banaka potpisale su memorandum o novim pravilima prekora\u010denja po teku\u0107em ra\u010dunu. Rije\u010d je o onim bankama koje odobravaju pre\u0161utno prekora\u010denje. Memorandum omogu\u0107uje prelazak s \u201epre\u0161utno prihva\u0107enih\u201d na \u201edopu\u0161tena prekora\u010denja\u201d za gotovo milijun i osamsto tisu\u0107a potro\u0161a\u010da kojima je odobreno pre\u0161utno prihva\u0107eno prekora\u010denje. U objavi pi\u0161e: Prelaskom na dopu\u0161tena prekora\u010denja, svim [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":16178,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"h5ap_radio_sources":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-171724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bihiregija"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vlada i banke donijele nova pravila prekora\u010denja po teku\u0107em ra\u010dunu: Evo \u0161to se mijenja - 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\/08\/23\/vlada-i-banke-donijele-nova-pravila-prekoracenja-po-tekucem-racunu-evo-sto-se-mijenja\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vlada i banke donijele nova pravila prekora\u010denja po teku\u0107em ra\u010dunu: Evo \u0161to se mijenja - RADIO LJUBU\u0160KI\" \/>\n<meta property=\"og:description\" content=\"Vlada RH, HNB i trinaest banaka potpisale su memorandum o novim pravilima prekora\u010denja po teku\u0107em ra\u010dunu. Rije\u010d je o onim bankama koje odobravaju pre\u0161utno prekora\u010denje. Memorandum omogu\u0107uje prelazak s \u201epre\u0161utno prihva\u0107enih\u201d na \u201edopu\u0161tena prekora\u010denja\u201d za gotovo milijun i osamsto tisu\u0107a potro\u0161a\u010da kojima je odobreno pre\u0161utno prihva\u0107eno prekora\u010denje. 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