Adventages and Disadvantages of Housing Savings in the Republic of Croatia

U ovom radu nastoji se pojasniti stambena štednja u Hrvatskoj sa svojim prednostima i nedostacima, te identificirati važnost i povezanost sa stambenim kreditom kao jednim važnim predujmom za plaćanje. Danas sve veću važnost ima činjenica da kada cijene kuća/stanova počnu rasti, kreditno ograničena kućanstva koja žele kupiti vlastitu nekretninu trebaju akumulirati više ušteđevine jer predujam koji banke zahtijevaju, također se povećava. Način štednje kroz stambene štedionice kao neki od načina predujma može utjecati na kupce koji prvi puta kupuju, ali i na postojeće vlasnike koji se žele preseliti u veću nekretninu. Stambene štedionice u odnosu na banke imaju niže i stabilnije kamatne stope pogotovo kada je riječ o dugoročnim kreditima, te sa svojim ugovorima privlače klijente na štednju uz istovremeno povećavanje kreditnog rejtinga banke, ali i koristi za cijelo gospodarstvo zemlje.This paper seeks to explain housing savings in Croatia with its advantages and disadvantages, and to identify the importance and connection with housing loans as one important advance payment. Today, it is becoming increasingly important that when house /apartment prices start to rise, credit-constrained households looking to buy their own property need to accumulate more savings as the advance that banks require also increases. The method of saving through housing savings banks as one of the methods of advance can affect first-time buyers, but also existing owners who want to move to a larger property. Housing savings banks have lower and more stable interest rates compared to banks, especially when it comes to long-term loans, and with their contracts attract customers to save while increasing the bank's credit rating, but also benefits for the entire economy