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Primerjava stroškov pridobitve stanovanjskega kredita v izbranih finančnih institucijah : diplomsko deloOgulin Langus, Katarina, 1991-Diplomsko delo obravnava pridobitev stanovanjskega kredita in primerjavo pridobitve le-tega ter spremljajočih stroškov v dveh izbranih finančnih institucijah. Ponudba stanovanjskih posojil je glede ... na število bank in hranilnic velika in zelo raznolika, zato je pomembno, da pred odločitvijo, kje bomo najeli posojilo, pridobimo in pregledamo ponudbe več bank. Seznaniti se moramo ne le s stroški stanovanjskega kredita, temveč s celotno ponudbo oz. produkti, ki jih ponujajo izbrana finančna ustanova, banka ali hranilnica. Namen diplomskega dela je predstaviti in opisati stanovanjsko kreditiranje, spremljajoče postopke, stroške, hkrati pa narediti primerjavo stroškov med izbranima finančnima institucijama. Zanima me, ali se postopek pridobitve kredita in višina stroškov med dvema bankama bistveno razlikujeta. Pri pisanju diplomskega dela želim ugotoviti, katera, fiksna ali variabilna, obrestna mera je trenutno ugodnejša in bolj smiselna. Predstaviti želim tudi razlike in ovire pri pridobivanju stanovanjskega kredita med izbranima institucijama, UniCredit banka Slovenija d. d. in LON d. d., Kranj. Med pisanjem diplomskega dela, raziskovanjem in pridobivanjem podatkov smo ugotovili, da se stroški pridobitve kredita med bankami lahko precej razlikujejo, v celotni ročnosti odplačila kredita lahko te razlike znašajo tudi več tisoč evrov. Prav tako smo ugotovili, da je stanovanjski kredit v primeru zastave z nepremičnino v velikem delu urejen z Zakonom o potrošniških kreditih (ZPotK-2, Uradni list RS, št. 77/16). Skozi pisanje diplomskega dela smo ugotovili tudi to, da je trenutno res ugodneje najeti stanovanjski kredit z variabilno obrestno mero, na dolgi rok pa je, glede na nepredvidljivo gibanje EURIBOR-ja, bolj smiselno najeti kredit s fiksno obrestno mero.Type of material - undergraduate thesis ; adult, seriousPublication and manufacture - Ljubljana : [K. Ogulin Langus], 2020Language - slovenianCOBISS.SI-ID - 28705539
Author
Ogulin Langus, Katarina, 1991-
Other authors
Klun, Maja, 1969-
Topics
stanovanjski kredit |
obrestna mera |
stroški |
nepremičnina |
kreditna sposobnost |
zavarovanje kredita |
housing loan |
interest rate |
costs |
real estate |
credit insurance
Library | Call number – location, accession no. ... | Copy status |
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Faculty of Administration, Ljubljana | Knjižnica DB 2270 IN: 310002270 |
available - reading room |
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Database name | Field | Year |
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Links to authors' personal bibliographies | Links to information on researchers in the SICRIS system |
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Ogulin Langus, Katarina, 1991- | |
Klun, Maja, 1969- | 19293 |
Source: Personal bibliographies
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