{"id":901,"date":"2025-01-09T09:33:08","date_gmt":"2025-01-09T08:33:08","guid":{"rendered":"https:\/\/zku-krizevci.hr\/?page_id=901"},"modified":"2025-01-09T09:33:08","modified_gmt":"2025-01-09T08:33:08","slug":"krediti-arhiva-09-01-2025","status":"publish","type":"page","link":"https:\/\/zku-krizevci.hr\/?page_id=901","title":{"rendered":"Krediti – Arhiva 09.01.2025."},"content":{"rendered":"

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KREDITI<\/strong><\/span><\/h2>\n

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Korisnici kredita:<\/strong><\/span> Svaka punoljetna kreditno sposobna osoba \u2013 dr\u017eavljanin Republike Hrvatske sa prebivali\u0161tem na podru\u010dju Koprivni\u010dko-kri\u017eeva\u010dke \u017eupanije, koja je \u010dlan Zanatske KU Kri\u017eevci.<\/span><\/p>\n

Valuta kredita<\/strong>:<\/strong><\/span>\u00a0EUR<\/span><\/p>\n<\/div>

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Vrsta kredita<\/strong>:<\/strong> Nenamjenski gotovinski krediti<\/span><\/span><\/p>\n

Visina kredita<\/strong>:<\/strong>\u00a0<\/span>Od 100,00 EUR<\/strong>, do 30.000,00\u00a0\u00a0 EUR<\/strong><\/span><\/p>\n

Kamatna stopa<\/strong>:<\/strong><\/span>\u00a0Godi\u0161nja fiksna kamatna stopa od 6,61% – 7,43%<\/strong> ovisno o visini kredita te o\u00a0 vremenu dospije\u0107a.<\/span><\/p>\n

Eks<\/strong>:<\/strong><\/span>\u00a0do 9,00 %<\/strong><\/span><\/p>\n

Tro\u0161ak obrade kredita<\/strong>:<\/strong><\/span>\u00a0od 1%<\/strong> do 2,50 % <\/strong>od iznosa kredita.<\/span><\/p>\n

Naknadu za obradu kredita mogu\u0107e je naplatiti iz kredita.<\/span><\/p>\n

Garantni polog (depozit):<\/strong><\/span>\u00a010%.<\/span>
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Depozit se oro\u010dava uz nominalnu fiksnu kamatnu stopu od 0,10 % godi\u0161nje<\/strong>.<\/span><\/p>\n

Depozit se koristi isklju\u010divo kod zatvaranja-kona\u010dne otplate kredita.<\/span><\/p>\n

Rok otplate<\/strong>:<\/strong><\/span>\u00a0do\u00a06<\/strong> godina.<\/span><\/p>\n<\/div><\/div><\/div>

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Isplata kredita:<\/strong><\/span>\u00a0U gotovini, odnosno na teku\u0107i ra\u010dun korisnika kredita.
\n<\/span>Na\u010din otplate:<\/strong><\/span>\u00a0<\/strong>U jednakim mjese\u010dnim\u00a0 anuitetima, na ra\u010dun ZKU ili izravno na blagajni ZKU.
\n<\/span>Prijevremena kona\u010dna otplata kredita:<\/strong><\/span>\u00a0<\/strong>Prijevremena otplata kredita mo\u017ee se obaviti u bilo kojem trenutku otplate kredita, uz naknadu sukladno Zakonu o potro\u0161a\u010dkom kreditiranju.<\/span><\/p>\n<\/div><\/div><\/div>

Osiguranje kredita:<\/strong><\/span><\/p>\n

– Bjanko mjenica
\n<\/strong><\/span>– Jamci<\/strong>
\n(broj jamaca ovisi o visini kredita)<\/span><\/p>\n<\/div><\/div><\/div>

Potrebna dokumentacija:<\/strong><\/span><\/p>\n

–<\/strong>\u00a0 preslika Ugovora o radu za zaposlene du\u017enike i njihove jamce
\n–<\/strong>\u00a0 3 zadnje platne liste\u00a0 za zaposlene\u00a0 du\u017enike i njihove jamce
\n–\u00a0 <\/strong>Bjanko mjenica
\n–\u00a0 <\/strong>Potvrda o visini mirovine za du\u017enika, odnosno jamce umirovljenike<\/span><\/p>\n<\/div><\/div><\/div>

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REPREZENTATIVNI PRIMJER KREDITA\u00a0 – Nenamjenski gotovinski kredit od 01.07.2024.<\/strong><\/span><\/h3><\/h1><\/span>
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\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
Iznos kredita:<\/span><\/td>\n1.000,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Rok otplate:<\/span><\/td>\n12 mjeseci<\/span><\/strong><\/td>\n<\/tr>\n
Nominalna kamatna stopa:<\/span><\/td>\n6,61%<\/span><\/strong><\/td>\n<\/tr>\n
Naknada za obradu kredita (1,00%):<\/span><\/td>\n10,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Namjenski depozit (10%):<\/span><\/td>\n100,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Mjese\u010dni anuitet:<\/span><\/td>\n86,35 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Ukupan iznos kamate za razdoblje<\/span><\/td>\n36,20 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Efektivna kamatna stopa *:<\/span><\/td>\n8,66 %<\/span><\/strong><\/td>\n<\/tr>\n
Ukupan iznos za otplatu**:<\/span><\/td>\n1051,62 EUR<\/span><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div><\/div><\/div>

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\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
Iznos kredita:<\/span><\/td>\n10.000,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Rok otplate:<\/span><\/td>\n60 mjeseci<\/span><\/strong><\/td>\n<\/tr>\n
Nominalna kamatna stopa:<\/span><\/td>\n7,38%<\/span><\/strong><\/td>\n<\/tr>\n
Naknada za obradu kredita (2,30%):<\/span><\/td>\n230,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Namjenski depozit (10%):<\/span><\/td>\n1000,00 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Mjese\u010dni anuitet:<\/span><\/td>\n199,81 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Ukupan iznos kamate za razdoblje<\/span><\/td>\n1988,60 EUR<\/span><\/strong><\/td>\n<\/tr>\n
Efektivna kamatna stopa *:<\/span><\/td>\n8,97 %<\/span><\/strong><\/td>\n<\/tr>\n
Ukupan iznos za otplatu**:<\/span><\/td>\n12.279,09 EUR<\/span><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div><\/div><\/div>