{"id":89536,"date":"2023-09-11T15:26:26","date_gmt":"2023-09-11T14:26:26","guid":{"rendered":"https:\/\/www.podunavlje.info\/dir\/?p=89536"},"modified":"2023-09-11T15:26:57","modified_gmt":"2023-09-11T14:26:57","slug":"narodna-banka-ogranicila-kamatu-na-stambene-kredite-do-200-000-evra","status":"publish","type":"post","link":"https:\/\/www.podunavlje.info\/dir\/2023\/09\/11\/narodna-banka-ogranicila-kamatu-na-stambene-kredite-do-200-000-evra\/","title":{"rendered":"Narodna banka Srbije ograni\u010dila kamatu na stambene kredite do 200.000 evra"},"content":{"rendered":"

11. septembar 2023 \u2013 Narodna banka Srbije je na dana\u0161njoj vanrednoj sednici Izvr\u0161nog odbora donela odluku o ograni\u010davanju kamate za one koji su korisnici prvog stambenog kredita sa promenljivom kamatnom stopom, a \u010diji ugovoreni iznos ne prelazi 200.000 evra.<\/p>\n

Ovim gra\u0111anima je privremeno ograni\u010dena nominalna kamatna stopa za period od narednih 15 meseci, po\u010dev\u0161i od oktobarske rate, objavila je NBS, a banke ne\u0107e imati pravo da od du\u017enika potra\u017euju razliku u kamati usled primene odluke.<\/p>\n

Kod stambenih kredita koji su odobreni zaklju\u010dno sa 30. julom 2022. godine – nominalna kamatna stopa ne mo\u017ee biti vi\u0161a od 4,08 odsto.<\/p>\n

Ovo zna\u010di da \u0107e tim du\u017enicima biti umanjena rata kredita od 10 odsto do vi\u0161e od 25 odsto.<\/p>\n

\u041aod stambenih kredita koji su odobreni od 31. jula 2022. godine do stupanja na snagu odluke, a \u010dija je inicijalna kamatna stopa ve\u0107a od 4,08%, korisnici \u0107e zaklju\u010dno sa decembrom 2024. godine pla\u0107ati umanjenu ratu kredita sa kamatom iz prvobitnog plana otplate. To zna\u010di da su i ovi gra\u0111ani za\u0161ti\u0107eni od daljeg rasta rate kredita, iako su okolnosti u kojima su se zadu\u017eili ve\u0107 jasno ukazivale na mogu\u0107i dalji rast euribora, navodi NBS<\/a>.<\/p>\n

\"\"<\/p>\n

„Posebno nagla\u0161avamo da je kamatna stopa ograni\u010dena samo u smislu njenog daljeg rasta dok \u0107e banke u slu\u010daju da do\u0111e do sni\u017eavanja promenljivih kamatnih stopa biti u obavezi da usklade iznos rate u skladu sa zaklju\u010denim ugovorom o stambenom kreditu“, navedeno je u saop\u0161tenju NBS<\/a>.<\/p>\n

Za stambene kredite koji se odobravaju nakon stupanja na snagu odluke u periodu njene primene propisana su slede\u0107a ograni\u010denja:<\/p>\n

– kod stambenih kredita sa promenljivom kamatnom stopom, banka je du\u017ena da fiksni deo nominalne kamatne stope (mar\u017ea banke) utvrdi u procentu koji nije vi\u0161i od 1,1% do 31. decembra 2024. godine, a nakon tog perioda u procentu koji bude utvr\u0111en ugovorom o tom kreditu<\/p>\n

– kod stambenih kredita sa fiksnom kamatnom stopom banka mo\u017ee odobravati stambeni kredit uz nominalnu kamatnu stopu do 5,03%.<\/p>\n","protected":false},"excerpt":{"rendered":"

11. septembar 2023 \u2013 Narodna banka Srbije je na dana\u0161njoj vanrednoj sednici Izvr\u0161nog odbora donela odluku o ograni\u010davanju kamate za one koji su korisnici prvog stambenog kredita sa promenljivom kamatnom stopom, a \u010diji ugovoreni iznos ne prelazi 200.000 evra. Ovim gra\u0111anima je privremeno ograni\u010dena nominalna kamatna stopa za period od narednih 15 meseci, po\u010dev\u0161i od […]<\/p>\n","protected":false},"author":5,"featured_media":73789,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7222,84],"tags":[11384,1981,10810,19949],"class_list":["post-89536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najnovije","category-privreda","tag-kamata","tag-narodna-banka-srbije","tag-ogranicenje","tag-stambeni-krediti"],"yoast_head":"\nNarodna banka Srbije ograni\u010dila kamatu na stambene kredite do 200.000 evra -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.podunavlje.info\/dir\/2023\/09\/11\/narodna-banka-ogranicila-kamatu-na-stambene-kredite-do-200-000-evra\/\" \/>\n<meta property=\"og:locale\" content=\"sr_RS\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Narodna banka Srbije ograni\u010dila kamatu na stambene kredite do 200.000 evra -\" \/>\n<meta property=\"og:description\" content=\"11. septembar 2023 \u2013 Narodna banka Srbije je na dana\u0161njoj vanrednoj sednici Izvr\u0161nog odbora donela odluku o ograni\u010davanju kamate za one koji su korisnici prvog stambenog kredita sa promenljivom kamatnom stopom, a \u010diji ugovoreni iznos ne prelazi 200.000 evra. 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