{"id":66496,"date":"2024-06-25T06:04:18","date_gmt":"2024-06-25T04:04:18","guid":{"rendered":"https:\/\/gorica.info\/?p=66496"},"modified":"2024-06-25T06:04:18","modified_gmt":"2024-06-25T04:04:18","slug":"ako-imate-presutni-minus-na-racunu-ako-ne-ugovorite-dopusteni-do-30-lipnja-banka-ce-ga-ukinuti","status":"publish","type":"post","link":"https:\/\/gorica.info\/en\/ako-imate-presutni-minus-na-racunu-ako-ne-ugovorite-dopusteni-do-30-lipnja-banka-ce-ga-ukinuti\/","title":{"rendered":"Za sve koji imaju pre\u0161utni minus: Do 30. lipnja trebate ugovoriti dopu\u0161teni minus ili \u0107e ga banka ukinuti"},"content":{"rendered":"<p><strong>Brojni gra\u0111ani<\/strong> godinama su pre\u017eivljavali uz pomo\u0107 <strong>pre\u0161utnog minusa<\/strong> na teku\u0107em ra\u010dunu. <a href=\"https:\/\/gorica.info\/en\/2022\/07\/22\/vlada-odlucila-od-1-kolovoza-uvode-se-nova-pravila-za-minuse-na-tekucim-racunima-gradana\/\">Banke<\/a> su na takvim minusima zara\u0111ivale<strong> ogroman novac<\/strong>. Sada je tome do\u0161ao kraj. Gra\u0111ani imaju rok <strong>do 30. lipnja<\/strong> za ugovaranje dopu\u0161tenog prekora\u010denja.<\/p>\n<p>Nakon isteka tog roka, onim potro\u0161a\u010dima koji <strong>ne ugovore dopu\u0161teno prekora\u010denje<\/strong>, banke \u0107e <strong>ukinuti pre\u0161utni minus<\/strong> odnosno prekora\u010denje. Ukoliko je potro\u0161a\u010d prethodno iskoristio dio ili cijelo odobreno pre\u0161utno prekora\u010denje, banke \u0107e za iskori\u0161teni iznos omogu\u0107iti obro\u010dnu otplatu na 12 mjeseci.<\/p>\n<p>U lipnju pro\u0161le godine banke su potro\u0161a\u010dima, koji su imali odobreni pre\u0161utni minus, poslale ponudu za ugovaranje dopu\u0161tenog minusa, u istom iznosu u kojem im je odobreno postoje\u0107e pre\u0161utno prekora\u010denje.<\/p>\n<p>Do kraja svibnja ove godine, od ukupno<strong> 1,7 milijun potro\u0161a\u010da<\/strong> koji su dobili ponude banaka, vi\u0161e od <strong>800 tisu\u0107a<\/strong> se odazvalo pozivu i ugovorilo dopu\u0161teno prekora\u010denje.<\/p>\n<p>Ugovaranjem dopu\u0161tenog prekora\u010denja potro\u0161a\u010di <strong>osiguravaju bolju za\u0161titu<\/strong> u smislu ograni\u010denja kamatne stope, cjelovitog informiranja o uvjetima kori\u0161tenja te osigurane postupne otplate u slu\u010daju smanjenja ili ukidanja prekora\u010denja. Ovakva prava nisu zakonski zajam\u010dena za pre\u0161utna prekora\u010denja, poja\u0161njavaju iz <a href=\"https:\/\/www.hnb.hr\/-\/zasto-je-dopusteno-prekoracenje-bolje-od-presutnog-\">HNB-a<\/a>.<\/p>\n<p>Da biste ugovorili dopu\u0161teno prekora\u010denja potrebno je sklopiti ugovor. Banke s najve\u0107im brojem klijenata omogu\u0107ile su da se ugovor o dopu\u0161tenom prekora\u010denju sklopi digitalnim putem, kori\u0161tenjem mobilnog ili internetskog bankarstva.<\/p>","protected":false},"excerpt":{"rendered":"<p>Brojni gra\u0111ani godinama su pre\u017eivljavali uz pomo\u0107 pre\u0161utnog minusa na teku\u0107em ra\u010dunu. Banke su na takvim minusima zara\u0111ivale ogroman novac. Sada je tome do\u0161ao kraj. Gra\u0111ani imaju rok do 30. lipnja za ugovaranje dopu\u0161tenog prekora\u010denja. Nakon isteka tog roka, onim potro\u0161a\u010dima koji ne ugovore dopu\u0161teno prekora\u010denje, banke \u0107e ukinuti pre\u0161utni minus odnosno prekora\u010denje. Ukoliko je [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":66497,"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":[85],"tags":[376,4671,448,2349,1859,710,4673,3341,411],"class_list":["post-66496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-potrosaci","tag-banke","tag-dopusteni-minus","tag-gradani","tag-kamate","tag-kredit","tag-potrosaci","tag-presutni-minus","tag-tekuci-racun","tag-ugovor"],"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>Za sve koji imaju pre\u0161utni minus: Do 30. lipnja trebate ugovoriti dopu\u0161teni minus ili \u0107e ga banka ukinuti 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