Conclusion of the bank of slovenia in macro-prudential measures in the area of houshold lending

Diplomska naloga govori o vrstah kreditov, o splošnih pogojih za pridobitev kredita ter o novem sklepu na področju kreditiranja, ki ga je izdala Banka Slovenije. Izbrali smo tri banke, ki poslujejo na slovenskem trgu, ter predstavili njihove splošne pogoje za pridobitev kredita. Te banke smo med seboj tudi primerjali in tako ugotovili, katera banka se je prebivalstvu najbolje prilagodila. Žal ne moremo reči, da je to banka, ki jo priporočamo vsem državljanom Republike Slovenije, saj banke sčasoma te pogoje tudi spreminjajo in tako lahko naše ugotovitve ne držijo več. V trenutnem stanju splošnih pogojev, ki so predstavljeni v diplomski nalogi, se je po naših ugotovitvah banka B najbolje prilagodila novemu sklepu na področji kreditiranja, ki ga je izdala Banka Slovenije. Preverili smo tudi, kaj to sedaj pomeni za mlade, mlade družine in upokojence, katerih dohodek iz izvora plače je manjši in so tako postali kreditno nesposobni, kar pomeni, da pri slovenskih bankah ne morejo pridobiti kredita. Našli smo alternativno rešitev, ki jo ponuja država sama, in to so subvencije.The diploma thesis talks about the types of loans, the general terms and conditions for obtaining a loan and the new decision of lending issued by the Bank of Slovenia. We selected three banks that are operating on the Slovenian market and presented their general conditions for obtaining a loan. We compared these banks and found out which bank was the best adapted to the general population. Unfortunately, we cannot say that this is a bank that we recommend to all the citizens of the Republic of Slovenia, as banks change these conditions over time and our findings may no longer be true. In the current state of the general terms and conditions presented in the diploma thesis, according to our findings, bank B has best adapted to the new decision in the field of lending issued by the Bank of Slovenia. We also checked what this means for the young people, young families and pensioners whose income from the source of their salary is lower and they have become insolvent, which means that they cannot obtain a loan from Slovenian banks. We have found an alternative solution offered by the country itself, and that is subsidies