Analiza ponude stambenih kredita u Republici Hrvatskoj

Krediti su najčešće korišteni proizvod većine banaka. Stambeni krediti su vrsta kredita kojima se dugoročno financira izgradnja, kupovina ili adaptacija nekretnine kojom se rješava stambeno pitanje. Završni rad istražuje i analizira ponudu stambenih kredita u hrvatskim bankama u 2017. godini. U uvodu su opisani predmet i ciljevi završnoga rada. U drugom poglavlju opisan je povijesni razvoj banaka i kreditnih institucija, te samih kredita kao proizvoda banaka. U trećem poglavlju opisane su osnovne funkcije i ciljevi banaka. U četvrtom poglavlju opisane su vrste bankarskih poslova - vlastiti , pasivni , neutralni i aktivni. U petom poglavlju predstavljene su tri banke koje su izabrane za usporedbu stambenih kredita – Croatia banka, Addiko bank, Splitska banka . U šestom poglavlju analizirane su ponude izabranih banaka prema slijedećim kriterijima : minimalna i maksimalna visina odobrenih kredita, rok i način otplate, visina nominalne i efektivne kamatne stope, instrumenti osiguranja za povrat , te visina naknade za obradu kredita. U zadnjem poglavlju ovoga rada opisani su zaključci izvedeni iz analize ponude stambenih kredita u izabranim bankama.Loans are most common used financial product of majority banks. Housing loan is sort of credit which is used for long-term financing of building or adapting real estate. This work is exploring and analysing housing loan offers in Croatian banks in 2017. In the introduction is specified theme and goals of this work. In the second section is described historical development of banks, loan institutions and loans as product of banks. In the third section are described basic bank functions and goals. In the fourth section are described banking business – own, passive, neutral and active. In the fifth section are introdouced three banks which are chosen for comparing housing loan offer – Croatia banka, Addiko bank , Splitska banka. In the sixth section are analysed housing loans offers by the following criterias : minimal and maximal loan height, deadlines and methods of repayment,nominal and effective interest rate, ways of securing repayment and processing fees. In the final section of this work are described conclusins derived from analysing offers of housing loans in chosen banks