\n
Kot so izra\u010dunali v zdru\u017eenju bank, bo omejitev kreditiranja, ki bo za\u010dela veljati s 1. novembrom, prizadela 57 odstotkov oz. 213.000 od 380.000 upokojencev, ki prejemajo starostno pokojnino v vi\u0161ini do 700 evrov, vsaj 20 odstotkov oz. 114.000 zaposlenih z neto pla\u010do do 928 evrov, ki pre\u017eivljajo oz. sopre\u017eivljajo enega otroka, ter med 10 in 25 odstotkov zaposlenih z vi\u0161jimi pla\u010dami. Ti namre\u010d pri bankah ne bodo ve\u010d mogli dobiti kredita.<\/p>\n
Omejitev bo imela po ocenah bank \u0161ir\u0161e posledice, \u010de dr\u017eava prebivalcem ne bo ponudila alternativnih virov financiranja za nakupe nepremi\u010dnin in financiranje teko\u010de porabe.<\/p>\n
“Ocenjujemo, da se bo kreditiranje zmanj\u0161alo za od 50 do 70 milijonov evrov mese\u010dno oz. od 600 do 740 milijonov evrov letno, kar vpliva tudi na zmanj\u0161anje potro\u0161nje v maloprodaji, kakor tudi na nakupe predvsem rabljenih stanovanj, posledi\u010dno tudi na ni\u017eje prihodke dr\u017eave iz naslova davka na dodano vrednost,” so izpostavili v zdru\u017eenju.<\/p>\n
V vmesnem \u010dasu, dokler dr\u017eava dr\u017eavljanom ne bo ponudila alternativnih virov financiranja, se bo po oceni zdru\u017eenja zni\u017eal \u017eivljenjski standard, saj nekatere dobrine ne bodo dosegljive, zaradi omejevanja zasebne potro\u0161nje pa bo ukrep predvidoma negativno vplival tudi na rast BDP.<\/p>\n
“U\u010dinke je te\u017eko natan\u010dno oceniti, ker se bo del potro\u0161nikov verjetno odlo\u010dil tudi za zadol\u017eevanje na ‘sivem’ ali nereguliranem trgu, ki ni transparenten, in bo zaradi tak\u0161ne odlo\u010ditve lahko pla\u010deval bistveno vi\u0161je stro\u0161ke, hkrati pa bo ta del potro\u0161nikov izpostavljen tudi tveganjem ter druga\u010dnim pravilom izterjave,” so pojasnili.<\/p>\n
\u010ce zdaj velja, da potro\u0161niku po popla\u010dilu kreditnih obveznosti ostane ve\u010dji del ali celotna minimalna pla\u010da, pa bo po novem pri izra\u010dunu kreditne sposobnosti treba upo\u0161tevati tudi denarna sredstva, ki omogo\u010dajo dostojno pre\u017eivljanje vzdr\u017eevanih \u010dlanov, kar je sicer po oceni zdru\u017eenja z vidika odgovornega financiranja tudi nujno. “Vendar se doslej ta stro\u0161ek ni navajal eksplicitno kot zagotavljanje eksplicitno dolo\u010denega dela dohodka za vzdr\u017eevane dru\u017einske \u010dlane, je pa sicer bil zajet v kategoriji \u017eivljenjskih stro\u0161kov,” so dodali.<\/p>\n
V zdru\u017eenju so ob tem navedli nekaj primerov. Star\u0161a z dvema mladoletnima otrokoma, ki prejemata povpre\u010dno pla\u010do in \u0161e nista obremenjena s posojili, bi lahko prejela po najve\u010d 11.500 evrov potro\u0161ni\u0161kega kredita za sedem let (po novem bo namre\u010d ro\u010dnost omejena na sedem let), v primeru stanovanjskega kredita na 20 let pa najve\u010d po 30.000 evrov vsak. Po tem tudi dodatno kreditiranje ne bo ve\u010d mo\u017eno.<\/p>\n
Medtem v \u0161tiri\u010dlanski dru\u017eini z dvema mladoletnima otrokoma, kjer ima kreditojemalec 928 evrov neto pla\u010de, ne morejo pri\u010dakovati ne potro\u0161ni\u0161kega ne stanovanjskega posojila. Prav tako zadol\u017eitev ne pride v po\u0161tev pri upokojencih s povpre\u010dno starostno pokojnino.<\/p>\n
Po sklepu Banke Slovenije o makrobonitetnih omejitvah kreditiranja prebivalstva mora potro\u0161niku po pla\u010dilu vseh obrokov iz naslova kreditnih pogodb vsak mesec ostati najmanj znesek v vi\u0161ini 76 odstotkov minimalne bruto pla\u010de. \u010ce potro\u0161nik pre\u017eivlja dru\u017einskega \u010dlana ali drugo osebo, mu mora ostati tudi ta znesek, do 402,18 evra.<\/p>\n
Sklep bo veljal izklju\u010dno za banke in hranilnice ter podru\u017enice tujih bank, ki poslujejo v Sloveniji. Ne bo pa veljal za lizing dru\u017ebe in druga podjetja, ki izvajajo dejavnosti potro\u0161ni\u0161kega kreditiranja, prav tako ne za \u010dezmejno zadol\u017eevanje gospodinjstev (tudi neslovenske spletne kreditne ponudbe).<\/p>\n
“Potro\u0161nike bi opozorili, da pred sklepanjem kreditov v tujini dobro premislijo in se seznanijo z zakonodajo, ki velja za podro\u010dje, saj ni vsesplo\u0161nih pravil v EU, temve\u010d v vsaki dr\u017eavi velja lokalna zakonodaja,” so ob tem opozorili v zdru\u017eenju.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Omejitev pri kreditiranju prebivalstva bo imela po oceni Zdru\u017eenja bank Slovenije \u0161ir\u0161e posledice, \u010de dr\u017eava prebivalcem ne bo ponudila alternativnih virov financiranja.<\/p>\n","protected":false},"author":5,"featured_media":409180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1179],"tags":[2391,13759,1595],"source":[4511],"supertag":[7541],"acf":[],"yoast_head":"\n
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