{"id":47427,"date":"2023-04-22T06:23:17","date_gmt":"2023-04-22T04:23:17","guid":{"rendered":"https:\/\/gorica.info\/?p=47427"},"modified":"2023-04-22T06:23:17","modified_gmt":"2023-04-22T04:23:17","slug":"banke-ukidaju-presutne-minuse-do-kraja-lipnja-moraju-potrosacima-ponuditi-prelazak-na-dopusteno-prekoracenje","status":"publish","type":"post","link":"https:\/\/gorica.info\/en\/banke-ukidaju-presutne-minuse-do-kraja-lipnja-moraju-potrosacima-ponuditi-prelazak-na-dopusteno-prekoracenje\/","title":{"rendered":"Banke ukidaju pre\u0161utne minuse: Do kraja lipnja moraju potro\u0161a\u010dima ponuditi prelazak na dopu\u0161teno prekora\u010denje"},"content":{"rendered":"<p>Prema nekim procjenama <strong>gotovo milijun Hrvata<\/strong> pre\u017eivljava uz pomo\u0107 <strong>minusa na ra\u010dunu<\/strong>. Pre\u0161utni minusi postali su pravilo i na njima <strong>banke zgr\u0107u milijarde<\/strong>. Prema <a href=\"https:\/\/gorica.info\/en\/2022\/07\/22\/vlada-odlucila-od-1-kolovoza-uvode-se-nova-pravila-za-minuse-na-tekucim-racunima-gradana\/\">Memorandumu<\/a> koji je donijela Vlada pro\u0161le godine, najkasnije do kraja lipnja ove godine banke moraju ponuditi prelazak na dopu\u0161teno prekora\u010denje svim potro\u0161a\u010dima kojima je odobreno pre\u0161utno prekora\u010denje.<\/p>\n<p>Dio banaka poslao je ovih dana svojim korisnicima obavijesti koje se ti\u010du pre\u0161utnih minusa. U obavijestima se navodi da<strong> novi korisnici<\/strong> ne\u0107e imati pravo na pre\u0161utni minus, a da \u0107e postoje\u0107i korisnici imati to pravo jo\u0161 samo odre\u0111eno vrijeme, javlja <a href=\"https:\/\/n1info.hr\/vijesti\/ukidaju-li-se-presutni-minusi-oglasili-se-hnb-i-hub\/\">N1<\/a>.<\/p>\n<p>Iz HNB-a ka\u017eu kako su na na\u0161em tr\u017ei\u0161tu<strong> postala dominantna pre\u0161utna prekora\u010denja<\/strong> koja su slabije regulirana, imaju<a href=\"https:\/\/gorica.info\/en\/2022\/08\/27\/od-1-rujna-stize-vazna-promjena-za-minuse-na-tekucim-racunima-gradana\/\"> vi\u0161u kamatu<\/a> i potro\u0161a\u010dima pru\u017eaju ni\u017ei standard za\u0161tite u odnosu na dopu\u0161tena prekora\u010denja, zato je donesen Memorandum. Svrha Memoranduma je omogu\u0107iti prelazak s pre\u0161utno prihva\u0107enih na dopu\u0161tena prekora\u010denja \u010dime \u0107e se osigurati bolja za\u0161tita potro\u0161a\u010da kojima je odobreno pre\u0161utno prihva\u0107eno prekora\u010denje &#8211; kazali su iz HNB-a.<\/p>\n<p>&#8211; U skladu s odredbama Memoranduma banke \u0107e najkasnije do 30. lipnja 2023. omogu\u0107iti i ponuditi potro\u0161a\u010dima kori\u0161tenje dopu\u0161tenog prekora\u010denja. Svaki potro\u0161a\u010d koji ima pre\u0161utno prihva\u0107eno prekora\u010denja dobit \u0107e obavijestiti o mogu\u0107nosti da se njegovo pre\u0161utno prekora\u010denje, a ovisno o odluci Banke u cijelosti ili najmanje do polovice ukupnog iznosa zamijeni s dopu\u0161tenim prekora\u010denjem uz navo\u0111enje svih bitnih uvjeta kako pre\u0161utno prihva\u0107enog prekora\u010denja kojega potro\u0161a\u010d trenutno koristi, tako i uvjeta ponu\u0111enog dopu\u0161tenog prekora\u010denja &#8211; rekli su iz <strong>Hrvatske udruge banaka<\/strong>.<\/p>\n<p>Iako niti HUB niti HNB nisu htjeli eksplicitno i nedvosmisleno potvrditi da se uskoro ukida pre\u0161utni minus, iz navedenih odgovora i obavijesti banaka jasno se mo\u017ee zaklju\u010diti da pre\u0161utni minusi vi\u0161e ne\u0107e biti dostupni korisnicima.<\/p>\n<p>Prema informacijama kojima raspola\u017ee HNB, u hrvatskim bankama odobreno je oko <strong>1,8 milijuna prekora\u010denja<\/strong>. Od ukupnog broja odobrenih prekora\u010denja, preko <strong>95%<\/strong> \u010dine pre\u0161utno <strong>prihva\u0107ena prekora\u010denja, <\/strong>pi\u0161e<a href=\"https:\/\/n1info.hr\/vijesti\/ukidaju-li-se-presutni-minusi-oglasili-se-hnb-i-hub\/\"> N1<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Prema nekim procjenama gotovo milijun Hrvata pre\u017eivljava uz pomo\u0107 minusa na ra\u010dunu. Pre\u0161utni minusi postali su pravilo i na njima banke zgr\u0107u milijarde. Prema Memorandumu koji je donijela Vlada pro\u0161le godine, najkasnije do kraja lipnja ove godine banke moraju ponuditi prelazak na dopu\u0161teno prekora\u010denje svim potro\u0161a\u010dima kojima je odobreno pre\u0161utno prekora\u010denje. Dio banaka poslao je [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":47428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"limit_modified_date":"","last_modified_date":"","jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_override_counter":[],"footnotes":""},"categories":[83],"tags":[376,9582,4672,3010,710,9583,9584],"class_list":["post-47427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-drustvo","tag-banke","tag-dopusteni-minusi","tag-hrvatska-narodna-banka","tag-hrvatska-udruga-banaka","tag-potrosaci","tag-presutni-minusi","tag-racuni-gradana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banke ukidaju pre\u0161utne minuse: Do kraja lipnja moraju potro\u0161a\u010dima ponuditi prelazak na 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