{"id":31563,"date":"2020-05-19T16:09:00","date_gmt":"2020-05-19T14:09:00","guid":{"rendered":"https:\/\/djindjickrediti.ch\/?p=31563"},"modified":"2022-06-19T20:45:05","modified_gmt":"2022-06-19T18:45:05","slug":"kako-do-najnize-kamate","status":"publish","type":"post","link":"https:\/\/djindjickrediti.ch\/de\/kako-do-najnize-kamate\/","title":{"rendered":"Kako do najni\u017ee kamate?"},"content":{"rendered":"\t\t
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Vi\u0161e informacija<\/span><\/div>

Sve \u0161to treba da znate o kamatnim stopama<\/span><\/h3><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\u0160ta je kamatna stopa?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Kamatna stopa je parameter kojim se odre\u0111uje naknada za pozajmljeni kapital (novac), koju klijent plac\u0301a banci. Stopa i uslovi plac\u0301anja ove naknade utvr\u0111uju se prilikom zaklju\u010denja ugovora o kreditu. Ovaj procenat uzima u obzir trajanje kredita, prirodu preuzetih rizika i garancije koje nudi banka.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Gde se usmerava novac dobijen od kamata?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Kamate slu\u017ee tome da se banka obezbedi od tri slu\u010daja:<\/p>

  1. U slu\u010daju da neko ne otpla\u0107uje kredit. Iako se vec\u0301ina ugovora po\u0161tuje, nulti rizik ne postoji i deo kamatne stope c\u0301e se koristiti za kompenzaciju tog rizika.<\/li>
  2. Za pokrivanje operativnih tro\u0161kova provajdera, odnosno za plac\u0301anje usluga koje pru\u017ea banka. Ove usluge uklju\u010duju rukovanje va\u0161om prijavom, analizu va\u0161e situacije ili administrativne aktivnosti.<\/li>
  3. Za dodatne usluge kao \u0161to je osiguranje koje dolazi sa ugovorom o kreditu. Mo\u017eete da pove\u017eete osiguranje za mese\u010dnu ratu, a ono c\u0301e vam poslu\u017eiti da u slu\u010daju otkaza na poslu, povrede od udesa ili bolesti,\u00a0 pokrijete Va\u0161u mese\u010dnu ratu.<\/li><\/ol>

    Kreditna sposobnost i po\u0161tenje su dva izuzetno va\u017ena pojma za svakoga ko \u017eeli da aplicira za kredit. Da biste maksimizirali svoju pregovara\u010dku moc\u0301 sa bankom, neophodno je da dostavite kompletnu dokumentaciju, kao i kompletnu prijavu u kojoj je predstavljena va\u0161a finansijska situacija.<\/p>

    Imajte na umu procenu Centralne banke. Kada se prijavite, banka c\u0301e svu Va\u0161u dokumentaciju proveriti u centralnom sistemu . \u0160to ste vi\u0161e puta aplicirali, vec\u0301i je rizik da dobijete lo\u0161u ocenu (ZEK kod). Zato je savet da se za jedan kredit prijavite jednom.<\/u><\/p>

    Izmirujte svoje mese\u010dne obaveze na vreme. Zakasnela plac\u0301anja c\u0301e uticati na procenu centralne banke i oslabiti va\u0161u kreditnu sposobnost.<\/p>

    Mi u\u00a0<\/span>\u0110in\u0111i\u0107 kreditima\u00a0<\/span><\/b><\/em>imamo re\u0161enje i za najkompleksnije finansijske situacije klijenta. Sa preko 25.000 obra\u0111enih upitnika godi\u0161nje, 90% uspe\u0161ne realizcije kredita i 25 godina iskustva stekli smo veliko ekspertsko znanje u oblasti potro\u0161a\u010dkim kreditima, zahvaljuju\u0107i \u010demu vam mo\u017eemo osigurati najbolje kamatne stope, punu logisti\u010dku i pravnu podr\u0161ku, maksimalnu posve\u0107enost \u2013 jednom re\u010dju uslugu najvi\u0161eg kvaliteta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

    \n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tPodnesite zahtev za kredit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Kamatna stopa je parameter kojim se odre\u0111uje naknada za pozajmljeni kapital…<\/p>\n","protected":false},"author":1,"featured_media":30109,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[49],"tags":[],"class_list":["post-31563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansije"],"_links":{"self":[{"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/posts\/31563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/comments?post=31563"}],"version-history":[{"count":0,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/posts\/31563\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/media\/30109"}],"wp:attachment":[{"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/media?parent=31563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/categories?post=31563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/djindjickrediti.ch\/de\/wp-json\/wp\/v2\/tags?post=31563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}