INTEREST RATES ON CREDITS IN THE REPUBLIC OF CROATIA

Kako je Republika Hrvatska već 10-ak godina u financijskoj krizi koja ima sve manje razmjere kako vrijeme odmiče, ovaj završni rad pod naslovom Kamatne stope na kredite u Republici Hrvatskoj detaljno će opisati kako ista kriza utječe na kretanje kamatnih stopa na pojedine kredite. Cilj je rada analizirati učinke koji dovode kamatnu stopu na nisku razinu te koji čimbenici pomiču kamatnu stopu na najviše razine. Otkako je ekonomska kriza zahvatila i tržište Republike Hrvatske, cijene kredita su u padu kao i kamatne stope koje utječu na visinu kredita. Stručnjaci smatraju da domaće tržište uskoro očekuje oporavak koji će biti popraćen rastom kamatnih stopa na sve vrste kredita. Na taj oporavak izraziti utjecaj imaju i referentne kamatne stope koje su regulirane od strane europskih središnjih banaka.As the Republic of Croatia has been in the financial crisis for more than 10 years, as the time is moving, this final work under the title Interest Rates on Credit in the Republic of Croatia will detail how the same crisis affects the movement of interest rates on individual loans. The aim of the paperis to analyze the effects of low interest rates and the factors that move the interest rate to the highest levels. Since the economic crisis has been affected by the Croatian market, the price of the loans has fallen, as well as interest rates affecting the level of the loan. Experts believe that hedomestic market is so onexpected to recover, which will be accompanied by rising interest rates on all types of loans. This recovery also has a strong impact on the reference interest rates regulated by the European Central Banks