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undergraduate thesis
KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA
Završni rad
2018. urn:nbn:hr:124:047533
Jović, Petra
University of Split
Faculty of economics Split

Cite this document

Jović, P. (2018). KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad (Undergraduate thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:047533

Jović, Petra. "KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2018. https://urn.nsk.hr/urn:nbn:hr:124:047533

Jović, Petra. "KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2018. https://urn.nsk.hr/urn:nbn:hr:124:047533

Jović, P. (2018). 'KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad', Undergraduate thesis, University of Split, Faculty of economics Split, accessed 11 April 2024, https://urn.nsk.hr/urn:nbn:hr:124:047533

Jović P. KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad [Undergraduate thesis]. Split: University of Split, Faculty of economics Split; 2018 [cited 2024 April 11] Available at: https://urn.nsk.hr/urn:nbn:hr:124:047533

P. Jović, "KOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad", Undergraduate thesis, University of Split, Faculty of economics Split, Split, 2018. Available at: https://urn.nsk.hr/urn:nbn:hr:124:047533

Metadata
TitleKOMPARATIVNA ANALIZA STAMBENIH KREDITA U HRVATSKIM BANKAMA : Završni rad
AuthorPetra Jović
MentorZoran Babić (mentor)
MBZ: 1262
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2018-08, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Quantitative Economics
Abstract
Cilj ovog rada je bio istražiti uvjete kreditiranja, te na koncu utvrditi najpovoljniju opciju za korisnika stambenog kredita na primjeru četiri hrvatske banke. Prilikom istraživanja korištene su metoda dedukcije, metoda deskripcije, metoda komparacije te su korišteni izračuni iz područja financijske matematike. Konačni rezultati, prikazani otplatnim tablicama, pokazuju da ne postoje značajna odstupanja u uvjetima kreditiranja. Kao najpovoljnija opcija se pokazuje Hrvatska poštanska banka, koja nudi uvjerljivo najmanje kamatne stope na stambene kredite. Kao najskuplja opcija za korisnika pokazuje se Erste banka koja se i uvjetima kreditiranja najviše razlikuje od ostalih banka. Rezultati istraživanja su utvrđeni na primjeru adaptacijskog kredita u eurima uz fiksnu kamatnu stopu, važno je uzeti u obzir da se u slučaju promjenjive kamatne stope konačni poredak najpovoljnije i najskuplje ponude može promijeniti. Svaki korisnik kredita mora se prethodno informirati o uvjetima koje pojedine banke nude te sukladno svojim mogućnostima donijeti odluku o najpovoljnijoj opciji.
Abstract (english)
The main purpose of this work was to analyse and determine the best option for users of the housing loan by examining the terms in four croatian banks. In this analysis were used different methods, such as: the deduction method, the descriptive method, the comparison method, and also calculations in the field of financial mathematics. Final results in repayment tables show that there are no large deviations in terms of housing loanings. Hrvatska poštanska banka is shown as the best option and is offering lowest interest rate. On the other hand Erste banka is shown to be the most expensive option. The results of analysis are fortified on an example of loan for adaptation in Euros, that has a fixed interest rate. It is important to know that the final order of the best and the most expensive option can be drastically changed in case of comparison through variable interest rate. Every user of the loan should inform themselves about the tearms that are offered in different banks and in accordance with its capabilities make a decision about the best offer.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:047533
Study programmeTitle: Small Enterprise Management
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2018-11-22 07:32:03