COMPARATIVE ANALYSIS OF HOUSING LOANS ON THE EXAMPLE OF SELECTED BANKS

Predmet ovog završnog rada je ponuda stambenih kredita na tržištu Republike Hrvatske i njihova komparativna analiza na primjeru odabranih banaka - Zagrebačka banka d.d., Privredna banka Zagreb d.d., OTP banka d.d., Erste&Steiermärkische Bank d.d. i Raiffeisenbank Austria d.d.. Banke su odabrane na temelju ukupne aktive, što ih čini najvećim bankama na hrvatskom bankarskom tržištu. Kredit predstavlja novčani dužničko - vjerovnički odnos u kojem vjerovnik kredita ustupa pravo korištenja određenog iznosa novčanih sredstava dužniku na ugovoreno vrijeme i uz ugovorene uvjete povrata. Stambeni kredititi putem banaka su trenutno najčešće korištena sredstva za kupnju, izgradnju ili adaptaciju kuće odnosno stana, te kao osiguranje za kredit se uzima sama imovina. Kamate za stambeni kredit mogu biti promjenjive ili fiksne te se mijenjaju periodično sa kompleksnom osnovnom stopom. U radu su sagledane ponude stambenih kredita u odabranim bankama te je za svaku od njih napravljen izračun otplatnog plana na primjeru kredita s valutnom klauzom vezanom uz euro u iznosu od 100.000,00 na razdoblje od 20 godina, uzimajući u obzir fiksnu kamatnu stopu, složeni i dekurzivni obračun kamata te model otplate jednakim anuitetima.The subject of this final paper is the offer of the housing loans on the market of the Republic of Croatia and their comparative analysis on the example of selected banks - Zagrebačka banka d.d., Privredna banka Zagreb d.d., OTP banka d.d., Erste & Steiermärkische Bank d.d. and Raiffeisenbank Austria d.d. The banks were selected based on total assets, which makes them the largest banks in the Croatian banking market. A loan is a monetary debtor-creditor relationship in which the creditor of the loan assigns the right to use a certain amount of funds to the debtor for the agreed time and with the agreed terms of repayment. Housing loans through banks are currently the most used funds for the purchase, construction or adaptation of a house or apartment, and the property itself is taken as insurance for the loan. Interest rates on housing loans can be variable or fixed and changed periodically with a complex base rate. The paper examines the offers of housing loans in selected banks and for each of them the calculation of the repayment plan is made on the example of loans with a currency clause linked to the euro in the amount of 100,000.00 for a period of 20 years, considering a fixed interest rate, decursive interest calculation and repayment model with equal annuities