Analysis of housing loans in Croatian banks : Final paper

U radu se analizira ponuda stambenih kredita u Podravskoj banci d.d., Croatia banci d.d. te Privrednoj banci Zagreb d.d. Kreditiranje je najznačajniji i najrašireniji posao koje banke obavljaju. U kreditnom odnosu sudjeluju s jedne strane vjerovnik te s druge strane dužnik. Korisnik kredita dužan je posuđeni iznos vratiti uz pripadajuće kamate i u određenom roku koji može trajati na desetke godina. Stambeni krediti predstavljaju dugoročne namjenske kredite koji imaju važnu ulogu u životu ljudi zbog zadovoljenja osnovnih egzistencijalnih potreba. Najzastupljeniji su oblici uzimanja kredita. Korisnici stambenih kredita ih pretežito uzimaju radi financiranja kupnje, dogradnje, izgradnje ili uređenja nekretnine. U radu je učinjena analiza ponude stambenih kredita glede namjene korištenja kredita, roka otplate kredita, iznosa kredita, visine kamatne stope te osiguranja povrata kredita u odabranim bankama. Ponuda stambenih kredita je različita u promatranim bankama ovisno o tome izdaje li se kredit u kunama ili u eurima te je prilikom odabira banke kod uzimanja kredita važno voditi računa o visini kamatne stope, kao i o tome je li ona fiksna ili promjenjiva.The paper analyzes the offer of housing loans in Podravska banka d.d., Croatia banka d.d. and Privredna banka Zagreb d.d. Lending is the most significant and most widespread work which banks carried. In the credit relationship participate on the one side is a creditor and on the other side, the borrower. The user of a housing loan is obliged to repay the loan principal with the relevant interest rates within the agreed period, that can be up to several tens of years. Housing loans represent long-term dedicated loans that play an important role in people's lives to meet the basic existential needs. The most commonly used forms of borrowing. Users of housing loans that mostly use them for the purchase, construction or arrangement of real estate. In the paper is analyzes the offer of housing loans with regard to loan utilization, loan repayment period, loan amount, interest rate level and repayment of loans in selected banks. The offer of housing loans is different in the observed banks depending on whether the loan is issued in kunas or euros, and when selecting a bank when taking the loan, it is important to take into account the rates of interest, and that whether it is fixed or variable