master's thesis
UTJECAJ PROMJENE DEVIZNOG TEČAJA NA OTPLATU KREDITA S VALUTNOM KLAUZULOM U RH

Jelena Vitić (2016)
University of Split
Faculty of economics Split
Metadata
TitleUTJECAJ PROMJENE DEVIZNOG TEČAJA NA OTPLATU KREDITA S VALUTNOM KLAUZULOM U RH : Diplomski rad
AuthorJelena Vitić
Mentor(s)Snježana Pivac (thesis advisor)
Abstract
Najznačajniji krediti s valutnom klauzulom u Republici Hrvatskoj su krediti vezani uz euro te krediti vezani uz švicarski franak. Prilikom istraživanja utjecaja promjene tečaja eura i švicarskog franka na otplate stambenih kredita s valutnom klauzulom građana u RH, došlo se do zaključka kako promjena tečaja eura te promjena tečaja švicarskog franka utječu na promjenu iznosa anuiteta stambenih kredita u RH. Zbog relativno stabilnog tečaja eura u razdoblju od 2005. do 2015. godine promjene u iznosima anuiteta su manje izražene dok su zbog promjenjivog, rastućeg tečaja švicarskog franka promjene u iznosima anuiteta znatno veće. Hrvatski sabor je u siječnju 2015. godine izmijenio Zakon o potrošačkom kreditiranju kojim se tečaj švicarskog franka fiksirao na 6.396 kuna na najdulje godinu dana, odnosi se na sve potrošačke kredite u francima neovisno o iznosu i vrsti. U rujnu 2015. godine Hrvatski sabor je jednoglasno prihvatio izmjene Zakona o potrošačkom kreditiranju te o kreditnim institucijama, temeljem kojih će se krediti vezani uz švicarski franak konvertirati u eure. Konverzija će se provesti tako da se početno odobrena glavnica kredita denominirana u francima pretvori u eure po tečaju koji je bio primjenjiv na dan isplate kredita, a početno ugovorena kamatna stopa za kredite u švicarskim francima zamjeni kamatnom stopom za kredite u eurima. Na temelju tog izračuna utvrdit će se novi otplatni plan. Korisnicima koji ne prihvate konverziju, otplata kredita nastavit će se po početno ugovorenim uvjetima.
Keywordsexchange rate the repayment of the loan the conversion of the loan
GranterUniversity of Split
Faculty of economics Split
PlaceSplit
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Quantitative Economics
Study programme typeuniversity
Study levelgraduate
Study programmeBusiness Studies
Academic title abbreviationmag. oec.
Genremaster's thesis
Language Croatian
Defense date2016-09
Parallel abstract (English)
The most significant loans with currency clause in the Republic of Croatia are loans that are related to the euro and loans related to the Swiss franc. After analyzing the impact of changes in exchange rates of the euro and Swiss franc on repayment of housing loans with currency clause in the Republic of Croatia, it is concluded that changes in exchange rates of the euro and the Swiss franc exchange rate affect the change of the amount of the annuity of housing loans in the Republic of Croatia. Due to the relatively stable exchange rate of euro in the period from 2005. to 2015., changes in the amounts of annuities are law while due to changes in the exchange rate of the Swiss franc, changes in the amounts of annuity are significantly higher. The Croatian Parliament changed the Law on Consumer Crediting and fixed the Swiss franc for one year at a rate of 1CHF=6.39HRK in January 2015. The amendment will apply to all consumer loans in the Swiss franc, independently of the amount and type. The Croatian parliament unanimously adopted amendments to the Consumer Credit Act and the Credit Institutions Act based on which loans denominated in Swiss francs would be converted into Euros in September 2015. The initial principal of a CHF- denominated loan will be converted into euros according to the exchange rate applicable on the day of loan disbursement, while the initial interest rate in Swiss francs will be replaced by the interest rate applicable to euro loans. A new loan repayment plan will be determined based on this calculation. Loan holders who refuse the conversion plan will continue to repay their loans according to the initially agreed terms.
Parallel keywords (Croatian)devizni tečaj otplata kredita konverzija kredita
Resource typetext
Access conditionOpen access
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:124:263806
CommitterIvana Gizdić