{"id":5858,"date":"2025-03-02T19:26:35","date_gmt":"2025-03-02T18:26:35","guid":{"rendered":"https:\/\/odabrano.com\/?p=5858"},"modified":"2025-03-02T19:26:37","modified_gmt":"2025-03-02T18:26:37","slug":"pad-kamata-i-pritisak-na-naknade-sto-donose-nove-mjere-za-gradane","status":"publish","type":"post","link":"https:\/\/odabrano.com\/index.php\/2025\/03\/02\/pad-kamata-i-pritisak-na-naknade-sto-donose-nove-mjere-za-gradane\/","title":{"rendered":"Pad kamata i pritisak na naknade: \u0160to donose nove mjere za gra\u0111ane?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pad kamatnih stopa Europske sredi\u0161nje banke napokon je omogu\u0107io i sni\u017eavanje kamata na kredite u hrvatskim bankama. Prva je stambene kredite pojeftinila Hrvatska po\u0161tanska banka (HPB), a potom su ih slijedile i druge velike banke, pri \u010demu su kamatne stope pale ispod 3 posto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uz to, rastu pritisci na smanjenje bankarskih naknada. Erste banka je, unato\u010d vi\u0161im tro\u0161kovima poslovanja, odlu\u010dila ne pove\u0107ati naknade. Glasnogovornik banke&nbsp;<strong>Dario Gabri\u0107<\/strong>&nbsp;potvr\u0111uje da \u0107e kamatne stope od 1. o\u017eujka biti ni\u017ee za jedan postotni bod.<br><br>&#8211; Drago nam je da su se stekli tr\u017ei\u0161ni uvjeti te \u0107e kamatne stope od prvog o\u017eujka biti u prosjeku ni\u017ee za 1 postotni bod od dosada\u0161nje vrijednosti. Tako\u0111er, donijeli smo odluku o odustajanju od najavljenog pove\u0107anja cijena naknada, koje su trebale stupiti na snagu 1. travnja ove godine, izjavio je Gabri\u0107.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Smanjenje naknada tra\u017ee i Vlada i Hrvatska narodna banka (HNB). Ministar financija&nbsp;<strong>Marko Primorac&nbsp;<\/strong>najavio je zakonske izmjene prema kojima bi ra\u010duni na koje gra\u0111ani primaju pla\u0107e i mirovine morali biti potpuno besplatni \u2013 od otvaranja i vo\u0111enja do izdavanja debitnih kartica i kori\u0161tenja internetskog ili mobilnog bankarstva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; \u017delimo osigurati da gra\u0111ani ne pla\u0107aju naknade za otvaranje, vo\u0111enje i zatvaranje ra\u010duna na koji primaju primanja. Tako\u0111er, u paket bi ulazilo besplatno izdavanje i kori\u0161tenje debitne kartice, pla\u0107anje njome te kori\u0161tenje internetskog ili mobilnog bankarstva \u2013 barem jedne od te dvije opcije, pojasnio je Primorac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banke se o\u0161tro protive ovakvim promjenama. Iz Hrvatske udruge banaka poru\u010duju da \u0107e uvo\u0111enje besplatnih usluga bez jasnih kriterija znatno utjecati na dosada\u0161nji na\u010din poslovanja te zahtijevati prilagodbu poslovnih modela i strategija.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; Uvo\u0111enjem \u0161irokog raspona usluga koje se ne napla\u0107uju, dok istovremeno postoje zna\u010dajni tro\u0161kovi njihovog pru\u017eanja i razvoja, uvelike se utje\u010de na dosada\u0161nji koncept bankarskog poslovanja, njegovu odr\u017eivost te mogu\u0107nosti daljnjeg razvoja. Ovakav prijedlog predstavlja prekretnicu koja zahtijeva duboku transformaciju poslovnih modela i strate\u0161ko planiranje budu\u0107ih investicija, stoji u priop\u0107enju Hrvatske udruge banaka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pritisak dolazi i iz potro\u0161a\u010dkih udruga, koje tra\u017ee ukidanje naknada za mobilno bankarstvo i podizanje gotovine na bankomatima drugih banaka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; Jedan od na\u0161ih zahtjeva je ukidanje naknade za uvo\u0111enje mobilnog bankarstva, budu\u0107i da mnoge zemlje Europske unije takve naknade uop\u0107e nemaju, istaknuo je&nbsp;<strong>Josip Kelemen<\/strong>, savjetnik potro\u0161a\u010dke platforme Halo, inspektore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Osim toga, tra\u017ei se ukidanje naknada za podizanje novca na bankomatima drugih banaka. Guverner HNB-a&nbsp;<strong>Boris Vuj\u010di\u0107<\/strong>&nbsp;smatra da bi rje\u0161enje mogla biti jedinstvena mre\u017ea bankomata.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; Ako bismo imali jedinstvenu bankomatsku mre\u017eu, smanjenje tro\u0161kova moglo bi omogu\u0107iti da banke taj tro\u0161ak dijele i da gra\u0111anima vi\u0161e ne napla\u0107uju podizanje gotovine na bankomatima drugih banaka. Naime, u tom slu\u010daju bankomati &#8216;drugih banaka&#8217; vi\u0161e ne bi ni postojali, jer bi mre\u017ea bila jedinstvena, objasnio je Vuj\u010di\u0107.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sve ove mjere i inicijative trebale bi gra\u0111anima donijeti barem neke u\u0161tede u svakodnevnim financijskim obavezama.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pad kamatnih stopa Europske sredi\u0161nje banke napokon je omogu\u0107io i sni\u017eavanje kamata na kredite u hrvatskim bankama. Prva je stambene kredite pojeftinila Hrvatska po\u0161tanska banka (HPB), a potom su ih slijedile i druge velike banke, pri \u010demu su kamatne stope pale ispod 3 posto. Uz to, rastu pritisci na smanjenje bankarskih naknada. Erste banka je, &hellip;<\/p>\n","protected":false},"author":1,"featured_media":5859,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[25],"tags":[1064,1208,1209],"class_list":["post-5858","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-hrvatska","tag-banke","tag-kamate","tag-naknade"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pad kamata i pritisak na naknade: \u0160to donose nove mjere za gra\u0111ane? - odabrano<\/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:\/\/odabrano.com\/index.php\/2025\/03\/02\/pad-kamata-i-pritisak-na-naknade-sto-donose-nove-mjere-za-gradane\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pad kamata i pritisak na naknade: \u0160to donose nove mjere za gra\u0111ane? - odabrano\" \/>\n<meta property=\"og:description\" content=\"Pad kamatnih stopa Europske sredi\u0161nje banke napokon je omogu\u0107io i sni\u017eavanje kamata na kredite u hrvatskim bankama. 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