UGOVOR O KREDITU : Završni rad

U ovom radu pokušalo se u kratkim crtama izvući najbitnije informacije o kreditu i kreditiranju općenito, s posebnim nalgaskom na ugovor o kreditu s pravnog aspekta kredita. U suvremenom gospodarstvu kreditiranje je neizostavan ivzor novca, kojim se nadomješta nedostatak vlastitog novca. Za kreditom posežu kako privatne, fizičke osobe, tako i pravne osobe tj. poslovni subjetki. Zbog velike brzine razvoja gospodarstva velik je optjecaj novca te samimm time i ponuda novca, što kredit čini sve dostupnijim. Ugovor o kreditu je formalno pravni posao koji mora biti sklopljen u pisanoj formi. Ugovor o kreditu treba razlikovati od ugovora o zajmu. Ugovor o kreditu nastao je iz ugovora o zajmu. Kredit je dvostrani odnos kod kojeg obje strane trebaju biti svjesne svojih obveza. Dužnik treba biti svjestan da je svoje obveze dužan ispuniti na vrijeme kako je i dogovoreno, a vjerovnik treba postupati kako je dogovoreno i ne smije imati nikakve skrivene namjere i prešutiti klijentu sve informacije koje su mu potrebne za donošenje prave odluke o ulasku u kreditni odnos. Dužnik je dužan vratiti posuđenu glavnicu uvećanu za određenu kamatu koja je utvrđena u sklopljenom ugovoru o kreditu. Postoje razne vrste kredita koje se dijele prema namjeni, prema zemlji podrijetla, prema ročnosti i sl. Kreditni odnos se može i raskinuti ako se dogode okolnosti koje su za to predviđene. Postoje i krediti s valutnim klauzulama, zbog kojih je se u RH dogodio i tzv. „Slučaj franak“.In this paper, It has been tried in short lines to draw the most important information about credit and lending in general, with a special emphasis on credit agreement on the legal aspect of the loan. In the moder economy, lending is an inevitable source of money, replacing the lack of own money. Credit is provided for private, natural persons as well as by legal entities, ie buisness entities. Because of high speed of development of the economy, there is a large circulation of money, and the supply of money, which makes the loan more accessible. A credit agreement is a formal legal trancaction that must be concluded in writing form. Credit agreement shold differ from loan contract. Credit agreeement was created from a loan contract Credit is a two- way relationship whereby both parties nees to be aware of their obligations. The debtor shold be aware that his obligations are to be fuilfilled on time as agreed and the creditor shold act as agreed and must noc have any hidden intentions and confuse the client with all the information he needs to make the right decision on enterin a credit relationship. The debtor is obliged to retur the borrowed principal incrased for a certain interest determined in the concluded loan agreement. There are various type of loans that are divided by purpose, by contry of origin, by maturity, ect. A credit relationship can also be terminated if the circumstances foreseen for it occur. There are also loans with currency clauses, which in Croatia have caused the so-called „ The Cause of Frank“