Analysis of housing loans in Republic of Croatia

Krediti predstavljaju ekonomski pojam koji se posebno intenzivirao u posljednje vrijeme i očekuje se da će u skoroj budućnosti dobivati sve više na značaju. Najvažniji aktivni poslovi banaka su upravo kreditni poslovi. Financijski sustav se kroz povijest sve više razvijao pa se tako povećavao i broj različitih vrsta kredita što je omogućilo građanima da lakše realiziraju određeni kredit. Tema je izrazito aktualna i bitna za sve građane koji su u fazi odluke vezano za uzimanje bilo koje vrste kredita, a posebice za one klijente koji uzimaju stambeni kredit. Kupnja kuće ili stana predstavlja važnu životnu odluku i treba biti dobro upoznat i informiran o svim uvjetima, ponudama, modelima otplate i ostalom. U današnjem svijetu za takve informacije više nije potrebno fizički otići u banku, već je dovoljno otići na internetske stranice banke. Prateći namjensku strukturu kredita, upravo stambeni krediti zauzimaju najveći udio. U trenutnim uvjetima pandemije banke posebno moraju obratiti pozornost na kreditnu sposobnost klijenta kao i što moraju razmišljati o potencijalno strožim uvjetima odobravanja kredita. Uz redovne stambene kredite, u novijoj povijesti počeo se nuditi stambeni kredit uz državnu subvenciju (APN). Državna subvencija omogućuje veliku uštedu za klijente iako za dobivanje iste postoje određeni uvjeti. Zbog toga je i cilj ovog rada bio uočiti ključne razlike između redovnog stambenog i kredita uz APN, prednosti i nedostatke svakog od njih, analizirati ponudu i uvjete izabrane banke te vidjeti koje se mogućnosti pružaju građanima od modela otplate. Imajući u vidu trenutnu situaciju nesigurnosti i neizvjesnosti u cijelom svijetu, jasno je da se povećavaju rizici uzimanja i davanja kredita pogotovo kad je u pitanju duži rok otplate. Zbog toga se građanima pruža mogućnost fleksibilnijih modela otplate kredita kako bi mogli uskladiti rokove i iznose otplate sa svojim financijskim stanjem i raspoloživim dohotkom.Loans are an economic concept that has intensified in recent times and is expected to become increasingly important in the near future. The most important active activities of banks are credit operations. The financial system has developed more and more throughout history, so the number of different types of loans has increased, which has enabled citizens to realize a certain loan more easily. The topic is extremely actual and important for all citizen who are in the decision phase regarding taking any type of loan and especially for those clients who take a housing loan. Buying a house or apartment is an important life decision and citizens should be well informed about all the conditions, offers, repayment models and more. Today for such information it is no longer necessary to physically go to the bank, but it is enough to go to the website of the bank. Following the purpose – built structure of loans, housing loans take the largest share. In the current pandemic conditions, banks must pay special attention to the creditworthiness of the client as well as consider potencially stricter loan approval conditions. In addition to regular housing loans, in recent history it has begun to offer a housing loan with a state subsidy. The state subsidy enables a large saving for clients, although there are certain conditions for obtaining it. Therefore, the aim was to identify the key differences between regular housing and housing loans with state subsidy, the advantages and disadvantages of each, to analyze the offer and conditions of the selected bank and see what opportunities are provided to citizens from the repayment model. Given the current situation of uncertainty around the world, it is clear that the risks of taking and giving loans, especially when it comes to longer repayment periods. Therefore, citizens are given the opportunity to have more flexible loan repayment models in order to be able to reconcile repayment terms and amounts with their financial situation and disposable income