UGOVOR O KREDITU : Završni rad

U današnjem svijetu kreditiranje je postalo neizostavan izvor novca, jer si ljudi dosta stvari, kao što su nekretnine ili auto, ne mogu priuštiti, pa posežu za kreditom. Ugovor o kreditu je pisani dokument kojim banka korisniku stavlja na raspolaganje određeni iznos novca, a korisnik je dužan plaćati banci ugovorene kamate i vratiti iskorišteni iznos novca u vrijeme i način kako je ugovoreno. Određeni iznos novca se stavlja na raspolaganje na određeno ili neodređeno vrijeme, za neku namjenu ili bez namjene. Kamata je naknada u novcu za posuđena novčana sredstva koje dužnik plaća banci. Kamatna stopa se pak izražava u postotku i smatra se cijenom novca ili kapitala koju dužnik plaća banci za privremeno korištenje ustupljenog novca ili kapitala. Ugovor o kreditu se razlikuje od ugovora o zajmu po tome što je ugovor o zajmu neformalan ugovor, kod kojeg zajmodavatelj može biti bilo koja fizička ili pravna osoba, a predmet ugovora može biti novac ili druge zamjenjive stvari. Ugovor o kreditu formalan je ugovor, sklopljen u pisanom obliku, kod kojeg zajmodavatelj u pravilu može biti samo banka, a predmet ugovora mogu biti samo novčana sredstva. Tko god planira dignuti kredit uvijek mora razmisliti u kojoj se valuti najisplativije zadužiti. Trenutno je najisplativije da se odlučimo za kredit u kunama. Prednost kredita u kunama je taj što nema valutne klauzule, čime se odmah eliminira valutni rizik. Zbog valutnog rizika se u RH dogodio i tzv. slučaj „Franak“.In today's world, lending has become an indispensable source of money, because people are not able to afford a lot of things, such as real estate or cars, and they reach out for a loan. A loan agreement is a written document with which the bank gives the borrower a certain amount of money to use and the borrower is obliged to pay the bank the agreed interest and return the used amount of the loan at the time and in the manner agreed in the contract. The loan is made available for a specified or indefinite time, for a specific purpose or for no purpose. The interest is a cash compensation the debtor pays to the bank for the borrowed money. Interest rate is expressed as a percentage and is considered to be the price of money or capital that the debtor pays to the bank for the temporary use of the money or capital. A loan agreement is different from an informal lending because in an informal agreement the creditor may be any natural or legal person and the subject of the contract may be money or other exchangeable items. A loan agreement is a formal contract, concluded in writing, whereby the lender may, as a rule, only be a bank, and the subject of the contract may only be money. Anyone who plans to get a loan must always consider the most cost-effective currency. At the moment, it is most profitable to get a loan denominated in kuna. The advantage of kuna loans is that there is no foreign currency clause, which immediately eliminates the currency risk. The so-called "case of Franak" happened due to foreign currency risk