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undergraduate thesis
ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE
2023. urn:nbn:hr:128:299770
Cvetnić, Martina
Karlovac University of Applied Sciences
Business Department

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Cvetnić, M. (2023). ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE (Undergraduate thesis). Karlovac: Karlovac University of Applied Sciences. Retrieved from https://urn.nsk.hr/urn:nbn:hr:128:299770

Cvetnić, Martina. "ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE." Undergraduate thesis, Karlovac University of Applied Sciences, 2023. https://urn.nsk.hr/urn:nbn:hr:128:299770

Cvetnić, Martina. "ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE." Undergraduate thesis, Karlovac University of Applied Sciences, 2023. https://urn.nsk.hr/urn:nbn:hr:128:299770

Cvetnić, M. (2023). 'ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE', Undergraduate thesis, Karlovac University of Applied Sciences, accessed 18 April 2024, https://urn.nsk.hr/urn:nbn:hr:128:299770

Cvetnić M. ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE [Undergraduate thesis]. Karlovac: Karlovac University of Applied Sciences; 2023 [cited 2024 April 18] Available at: https://urn.nsk.hr/urn:nbn:hr:128:299770

M. Cvetnić, "ANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE", Undergraduate thesis, Karlovac University of Applied Sciences, Karlovac, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:128:299770

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Metadata
TitleANALIZA PONUDE STAMBENIH KREDITA NA PRIMJERU ZAGREBAČKE BANKE, KARLOVAČKE BANKE I OTP BANKE
Title (english)ANALYSIS OF THE OFFER OF HOUSING LOANS ON THE EXAMPLE OF ZAGREBAČKA BANKA, KARLOVAČKA BANKA AND OTP BANKA
AuthorMartina Cvetnić
MentorNikolina Smajla (mentor)
Committee memberSilvija Vitner Marković (predsjednik povjerenstva)
Committee memberAndreja Primužak (član povjerenstva)
Committee memberNikolina Smajla (član povjerenstva)
Committee memberNatalija Kusanić Belinić (član povjerenstva)
GranterKarlovac University of Applied Sciences
(Business Department)
Karlovac
Defense date and country2023-12-04, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
SAŽETAK Predmet završnog rada je analiza ponude stambenih kredita na primjeru tri odabrane banke. U prvom dijelu rada prikazan je povijesni razvoj banaka i bankarskog poslovanja i kako se ono mijenjalo kroz povijest sve do danas. Također, prikazana je struktura, načela i glavne rizici koje bankarsko poslovanje nosi. Pobliže definiramo bankovne poslove koji mogu aktivni, neutralni i pasivni. Stambeni krediti su dugoročni namjenski krediti koje korisnici pretežito uzimaju zbog financiranja kupnje, izgradnje, dogradnje ili adaptacije nekretnine. U drugom dijelu rada prikazana je analiza ponude stambenih kredita kod tri odabrane banke; Zagrebačka, Karlovačka i OTP banka. Radi se o komparativnoj analizi svih uvjeta koje navedene banke daju korisnicima kredita. Ponuda stambenih kredita je različita u promatranim bankama, a izrazito je važno voditi računa o visini kamatne stope.
Abstract (english)
In the first part of the paper, we talk about the historical development of banks and banking business and how it has changed throughout history until today. We also look at the structure, principles and main risks that banking operations carry. We define banking operations in more detail, which can be active, neutral and passive. Housing loans are long-term, purpose-built loans that users mostly take to finance the purchase, construction, extension or adaptation of real estate. In the second part of the paper, an analysis of the offer of housing loans at three selected banks was made; Zagrebačka, Karlovačka and OTP banks. It is a comparative analysis of all the conditions that the mentioned banks give to loan users. The offer of housing loans is different in the observed banks, and it is extremely important to take into account the level of the interest rate.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:128:299770
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 on2024-02-01 13:31:01