House saving banks in Croatia

U Hrvatskoj je Zakonom iz 1988. stambena štednja određena kao organizirano prikupljanje novčanih sredstava-depozita od pravnih i fizičkih osoba odobravanjem stambenih kredita uz financijsku potrebu na području Hrvatske zbog rješavanja stambenih potreba štediša. Na temelju pokazatelja poslovanja stambenih štedionica vidi se kako neto kamatni prihodi čine većinu prihoda stambenih štedionica u Republici Hrvatskoj, dok su nekamatni prihodi visoki. Broj ugovora o stambenoj štednji znatno je porastao kao i primljeni depoziti. Sustav stambene štednje u Hrvatskoj je stabilan, financijski isplativ, ali i visoko kapitaliziran što znači da se sustav stambene štednje sve više razvija. Zbog relativno niskog omjera kredita i depozita na razini sustava postoji mogućnost većeg kreditnog potencijala. Zbog snižavanja državno poticajnih sredstava usporen je rast depozita štedionica, a krediti se uglavnom odobravaju za kupnju starijih nekretnina i dobro su osigurani hipotekom. Stambeno zbrinjavanje i poboljšanje kvalitete stanovanja osnova je sustava poticane stambene štednje. Najvažnije je odrediti dugoročni cilj poticanja stambene štednje i njenu povezanost s politikama stambenog zbrinjavanja stanovništva i poboljšanja kvalitete stanovanja.In 1988 in Croatia, the Housing Savings Act has defined house savings as an organized collection of cash-deposits from legal and natural persons by granting housing loans with financial aid in the territory of Croatia for solving the housing needs of the depositor. Based on the indicators of housing savings banks, the largest part of the share of housing savings banks in the Republic of Croatia is net interest income, while non-interest income is high. The number of housing savings contracts has increased considerably as well as the number of received deposits. The housing savings system in Croatia is stable, financially viable but highly capitalized, which means that the housing savings system is more and more developing. Due to the relatively low credit and deposit ratio at the system level there is a possibility of greater credit potential. As a result of lower government incentives, deposits of savings banks have slowed down, and loans are mostly granted for the purchase of older real estates and are well secured by mortgages. Housing care and quality of housing are the basis of a system of stimulated housing savings. It is the most important to determine the long-term goal of promoting housing savings and its connection with residential housing policies and improving housing quality