ANALIZA MODELA I PONUDE LOMBARDNIH KREDITA U HRVATSKIM BANKAMA : završni rad

Problem ovog istraživanja bio je analiza ponude i modela otplate lombardnih kredita u hrvatskim bankama, a cilj je bio prikazati razlike uvjeta o kreditima meĎu tim bankama i utvrditi koja banka ima najpovoljniju opciju. Korištenjem brojnih metoda istraživanja, došlo se do zaključka kako meĎu Privrednom bankom Zagreb, OTP bankom, Zagrebačkom bankom, Hrvatskom poštanskom bankom, Raiffiesen bankom i Erste bankom, PBZ ima najpovoljniju ponudu od svih navedenih banaka, odnosno predstavlja najmanji trošak dizanja lombardnog kredita. Dok s druge strane, najskuplja je opcija u OTP banci, ima najveće kamate i najveću naknadu za odobrenje kreditnog zahtjeva.Problem of this research is analysis of the offers and models of lombard loan in Croatian banks, and it's objective is to present the differences of loan terms between those banks and determine which bank has the most favorable option. By using multiple research methods, the research concluded that between Privredna banka Zagreb, OTP banka, Zagrebačka banka, Hrvatska poštanska banka, Raiffiesen banka and Erste banka, PBZ has the most affordable offer than all other banks mentioned, it presents minimum cost of lombard loans. On the other hand, the most expensive option is in OTP banka, it has the largest interest rate and the largest rate of loan approva