LOAN AGREEMENT

Cilj ovoga rada je obraditi najbitnije o kreditu i kreditiranju općenito, ali poseban naglasak je na ugovoru o kreditu sa ekonomskog i pravnog stajališta. U današnjem svijetu, kako u gospodarstvu tako i u financijskim poslovima, kreditiranje je od velikog značaja. Odluče li se građani na velika investicijska ulaganja, ili neke pothvate, kao npr. kupovina nekretnina, automobila te ostalo što označava normalni životni standard, ne mogu si priuštiti bez kredita. Iako su pojmovno slični, ugovor o kreditu se razlikuje u više važnih elemenata od ugovora o zajmu iz kojega je nastao. Ugovor o kreditu je ugovor koji je sklopljen po zakonu samo u pisanom obliku, davatelj kredita može biti samo banka, a predmet kredita je novac i kredit je uvijek naplatan jer korisnik ima obvezu plaćanja kamata. Dapače, ugovor o zajmu je neformalan ugovor, u kojemu zajam može biti besplatan (beskamatan), davatelj zajma može biti bilo koja osoba bila to fizička ili pravna, a predmet zajma mogu biti i zamjenjive stvari, a ne samo novac.The aim of this paper is to process the most important about credit and lending in general, but special emphasis is placed on the loan agreement from an economic and legal point of view. In today's world, both in the economy and in financial affairs, lending is of great importance. If citizens decide to make large investments, or some ventures, such as buying real estate, cars and other things that indicate a normal standard of living, they cannot afford it without a credit. Although they are conceptually similar, the loan agreement differs in several important elements from the loan agreement from which it was created. A credit agreement is a contract concluded by law only in writing, the credit provider can only be a bank, and the object of the credit is money and the credit is always charged because the user is obligated to pay interest. Rather, a loan agreement is an informal agreement, in which the loan can be free (interest-free), the lender can be any person, be it natural or legal, and the object of the loan can be exchangeable things, not just money