| Abstract | Kada fizička osoba tj. građanin podižu kredite onda se najprije mora voditi računa o tome da li je riječ o dugoročnim ili kratkoročnim kreditima. Dugoročni krediti najčešće su stambeni krediti ili krediti za vozila, dok su kratkoročni krediti minusi po tekućem računu ili tzv. revolving krediti po karticama odnosno bilo koji krediti do 1 godine otplate.
Bilo da se radi o dugoročnim ili kratkoročnim kreditima, i kod jednih i drugih se uzimaju idući podaci : izjave za obustavu na plaću – što bi značilo da po toj izjavi banka obavještava poslodavca da je njen djelatnik podigao kredit te ga traži da umjesto njega svaki mjesec prilikom isplate plaće, oduzme mu iznos u visini rate kredita i direktno uplati banci.
Zadužnice – one se naplaćuju na FINA-i, i u pravilu mogu ovršiti račune koje ima fizička osoba u Splitskoj banci ili bilo kojoj drugoj osim tzv. zaštićenih računa na koji se prima minimalan dio plaće u slučaju blokade.
Mjenice – one se uzimaju iako se u pravilu ne naplaćuju jer ne postoji razrađeni pravni mehanizam za njihovu naplatu. Da bi se one u budućnosti mogle naplaćivati fizičke osobe bi prilikom same ovjere trebali ovjeriti i mjenice kao i listu svoje materijalne i nematerijalne imovine kako bi se uopće mogla znati „težina mjenice“.
U slučaju da kredit ima sudužnika i/ili jamca ove navedene tri stavke uzimaju se i od njih, te novčani depoziti od banka ukoliko postoje.
Kod dugoročnih kredita uz sve navedeno uzima se također i tzv. hipoteka najčešće nad nekretninama (dakle, zemljišta, stanovi, kuće i sl.) te pokretninama kao što su auti, brodovi, zlato, dijamanti, vrijednosni papiri itd. U praksi se najčešće oduzimaju nekretnine i auta, a ostale stavke vrlo rijetko. |
| Abstract (english) | When a person, ie a citizen, raises credits, then one must first consider whether it is long-term or short-term loans. Long-term loans are most often residential mortgages or vehicle loans, while short-term loans are minus on a current account or so-called revolving credit cards or any loan up to 1 year of repayment.
Whether it is long-term or short-term loans, one and the other is taking the following information: pay-off statements - which would mean that the bank informs the employer that his employee has raised a loan and asks him to place him monthly when paying the salary, deducts the amount in the amount of the loan and deposits it directly with the bank.
Debentures - they are charged at FINA, and they can, as a rule, execute accounts with a natural person in Splitska banka or any other than the so-called. protected accounts that receive the minimum wage share in case of blockage.
Bills of exchange - they are taken even though they do not usually charge because there is no elaborated legal mechanism for their billing. In order to be able to charge them in the future, physical persons should also certify bills of exchange, as well as a list of their tangible and intangible assets, in order to be able to know the "billing weight" at all.
In the case that credits have a lender and / or a guarantor, these three items are taken from them and cash deposits from the bank if they exist.
In the case of long-term loans, along with all the above mentioned, mortgages are mostly on real estate (ie land, apartments, houses, etc.) and movables such as cars, boats, gold, diamonds, securities. Most often, banks have taken mortgages and cars, and other items are very rare. |
