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undergraduate thesis
Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita
2019. urn:nbn:hr:128:018118
Grubešić, Valentina
Karlovac University of Applied Sciences
Business Department

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Grubešić, V. (2019). Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita (Undergraduate thesis). Karlovac: Karlovac University of Applied Sciences. Retrieved from https://urn.nsk.hr/urn:nbn:hr:128:018118

Grubešić, Valentina. "Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita." Undergraduate thesis, Karlovac University of Applied Sciences, 2019. https://urn.nsk.hr/urn:nbn:hr:128:018118

Grubešić, Valentina. "Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita." Undergraduate thesis, Karlovac University of Applied Sciences, 2019. https://urn.nsk.hr/urn:nbn:hr:128:018118

Grubešić, V. (2019). 'Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita', Undergraduate thesis, Karlovac University of Applied Sciences, accessed 18 April 2024, https://urn.nsk.hr/urn:nbn:hr:128:018118

Grubešić V. Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita [Undergraduate thesis]. Karlovac: Karlovac University of Applied Sciences; 2019 [cited 2024 April 18] Available at: https://urn.nsk.hr/urn:nbn:hr:128:018118

V. Grubešić, "Konverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita", Undergraduate thesis, Karlovac University of Applied Sciences, Karlovac, 2019. Available at: https://urn.nsk.hr/urn:nbn:hr:128:018118

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Metadata
TitleKonverzija kredita s valutnom klauzulom-analiza dva primjera stambenih kredita
Title (english)Conversion of currency clause loans- analysis of two examples of housing loans
AuthorValentina Grubešić
MentorNikolina Smajla (mentor)
GranterKarlovac University of Applied Sciences
(Business Department)
Karlovac
Defense date and country2019-02-26, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Kredite u Republici Hrvatskoj možemo ugovoriti u domaćoj valuti (HRK), domaćoj valuti s valutnom klauzulom (najčešće je to u EUR) ili u stranoj valuti. Kod kredita s valutnom klauzulom ugovaranjem valutne klauzule ugovorne strane preuzimaju valutni rizik s obzirom da njeno ugovaranje utječe na njihov financijski položaj jer se kunska protuvrijednost očekivanog novčanog tijeka (anuiteti po kreditu, prinosi po osnovi kamate i sl.) mijenja u ovisnosti o kretanju tečaja valute u kojoj je ugovorena valutna klauzula. Krediti s valutnom klauzulom u CHF pojavljuju se u Republici Hrvatskoj 2004.g. Bili su primamljivi građanima, jer su tada nuđeni na tržištu s najmanjom kamatnom stopom. Porastom tečaja švicarskog franka klijentima su se povećali anuiteti što je povećalo rizik nemogućnosti otplate podignutih kredita. To je utjecalo na izmjenu Zakona o potrošačkom kreditiranju 2015.g. kojim se je omogućila konverzija kredita uz valutnu klauzulu u CHF u kredit uz valutnu klauzulu u EUR. U radu su prikazana dva primjera konverzije stambenih kredita uz valutnu klauzulu u CHF u kreditu uz valutnu klauzulu u EUR.
Abstract (english)
In the Republic of Croatia, a loan agreement can be concluded in the national currency (HRK), in the national currency with a currency clause (usually it is EUR) or in a foreign currency. When it comes to loans with a currency clause, by concluding an agreement with a currency clause, the contractual parties take a currency risk because it influences their financial status since the national currency equivalent of the expected cash flow (annuities, interest rate yields, etc.) changes based on the changes of the exchange rate of the currency in which the currency clause was concluded. Loans with a currency clause in CHF became available in the Republic of Croatia in 2004. They appealed to the citizens because they offered the lowest interest rates at the time. With the exchange rate of CHF becoming higher, clients' annuities also became higher which increased the risk of inability to repay a loan. That influenced the amendment of the Consumer Credit Act in 2015 which allowed the conversion of the loans with a currency clause in CHF into loans with a currency clause in EUR. We presented two examples of the conversion of home loans with a currency clause in CHF into home loans with a currency clause in EUR.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:128:018118
Study programmeTitle: Hospitality Studies
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
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Created on2019-03-07 12:24:49