Analiza ponude studentskih kredita na bankarskom tržištu u Republici Hrvatskoj

Tema je ovog završnog rada analiza ponude studentskih kredita na bankarskom tržištu u Hrvatskoj. Studiranje u Hrvatskoj svake godine postaje sve skuplje zbog rasta standarda. Neke studente financiraju roditelji dok određeni broj radi preko studentskog servisa. Jedan je dio studenata primoran naći drugi način financiranja svog studentskog razdoblja života jer, zbog težine samog studija, nije u mogućnosti raditi razne studentske poslove kako bi se financirali. U tom slučaju postoji razna ponuda studentskih kredita. Studentski krediti imaju dvije glavne namjene i na taj način se i dijele. Postoje studentski krediti za školarine i studentski krediti za troškove života. Isto tako postoje i kombinirani koji pokrivaju i jedan i drugi trošak, ali oni su puno rjeđi te neće biti sadržani u analizi ovog studentskog rada. U ovom završnom radu analizirat će se ponuda tih kredita u 3 najveće banke u Hrvatskoj, kriteriji odobravanja, iznosi, kamatne stope, vrijeme otplate kao i ostali čimbenici po kojima se razlikuju.The theme of this final work is analysis of student loans on the banking market in Republic of Croatia. College life is every year more expensive due to constant growth in life standard. Some students are financed by their parents while some of them have student side jobs. Courses vary from easiers to very hard. The very hard ones demand full student atention that is why student that want to finish their college in time don't have time to work a side job while attending college. That is why they need to find another source of financing for their college expenses. In that case there is a wide variety of student loans. There are two main classifications of student loans. Student loans for tuition fees and student loans for life expenses. Combined loans that cover both expenses are also an option but they are not that wide spread. These types are not included in the analysis of this final work. The analysis of this work will include comparison of 3 biggest banks in Croatia. The comparison will include approval criteria for the loans, amounts, interest rates, repayment time and other factors in which they vary