{"id":50136,"date":"2023-06-15T06:19:46","date_gmt":"2023-06-15T04:19:46","guid":{"rendered":"https:\/\/gorica.info\/?p=50136"},"modified":"2023-06-15T06:19:46","modified_gmt":"2023-06-15T04:19:46","slug":"stizu-vazne-promjene-vezane-uz-tekuce-racune-do-kraja-mjeseca-banke-ukidaju-presutne-minuse","status":"publish","type":"post","link":"https:\/\/gorica.info\/en\/stizu-vazne-promjene-vezane-uz-tekuce-racune-do-kraja-mjeseca-banke-ukidaju-presutne-minuse\/","title":{"rendered":"Sti\u017eu va\u017ene promjene vezane uz teku\u0107e ra\u010dune: Do kraja lipnja banke ukidaju pre\u0161utne minuse"},"content":{"rendered":"<p>Do <strong>kraja lipnja<\/strong> ove godine banke moraju ponuditi prelazak na <strong>dopu\u0161teno prekora\u010denje<\/strong> svim potro\u0161a\u010dima kojima je odobreno <strong>pre\u0161utno prekora\u010denje<\/strong>. Tako je dogovoreno jo\u0161 pro\u0161le godine kada je Vlada s bankama potpisala <a href=\"https:\/\/gorica.info\/en\/2022\/08\/27\/od-1-rujna-stize-vazna-promjena-za-minuse-na-tekucim-racunima-gradana\/\">Memorandum<\/a> o novim pravilima prekora\u010denja po teku\u0107em ra\u010dunu.<\/p>\n<p>Banke bi tako prema memorandumu, trebale primjenjivati jednake <strong>kamatne stope<\/strong> za oba prekora\u010denja, \u0161to bi trebalo i\u0107i u korist potro\u0161a\u010da.<\/p>\n<p>Prema nekim procjenama gotovo <strong>milijun Hrvata<\/strong> pre\u017eivljava uz pomo\u0107 minusa na ra\u010dunu. <strong>Pre\u0161utni minusi<\/strong> postali su pravilo i na njima banke <strong>zgr\u0107u milijarde<\/strong>.<\/p>\n<p>Iz <a href=\"https:\/\/www.hnb.hr\/\">Hrvatske narodne banke<\/a> (HNB) ka\u017eu kako su na na\u0161em tr\u017ei\u0161tu postala dominantna pre\u0161utna prekora\u010denja koja su slabije regulirana, imaju <strong>vi\u0161u kamatu<\/strong> i potro\u0161a\u010dima pru\u017eaju <strong>ni\u017ei standard za\u0161tite<\/strong> 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>Ukoliko klijenti ne prihvate prelazak iz pre\u0161utnog u dopu\u0161teno prekora\u010denje do krajnjeg roka (30. lipnja 2024.) pre\u0161utno prekora\u010denje \u0107e biti ukinuto, a klijentima \u0107e se u slu\u010daju kori\u0161tenja prekora\u010denja omogu\u0107iti njegova otplata na 12 mjese\u010dnih obroka.<\/p>\n<p>Prema informacijama s 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 prihva\u0107ena prekora\u010denja.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>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. Tako je dogovoreno jo\u0161 pro\u0161le godine kada je Vlada s bankama potpisala Memorandum o novim pravilima prekora\u010denja po teku\u0107em ra\u010dunu. Banke bi tako prema memorandumu, trebale primjenjivati jednake kamatne stope za oba prekora\u010denja, \u0161to bi trebalo [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":50138,"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":[376,4671,4895,1130,6600,4673,3341],"class_list":["post-50136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-drustvo","tag-banke","tag-dopusteni-minus","tag-lipanj","tag-nova-pravila","tag-prekoracenje","tag-presutni-minus","tag-tekuci-racun"],"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>Sti\u017eu va\u017ene promjene 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