{"id":468099,"date":"2022-05-04T16:17:38","date_gmt":"2022-05-04T14:17:38","guid":{"rendered":"https:\/\/hudo.com\/si\/?p=468099"},"modified":"2022-05-04T16:17:38","modified_gmt":"2022-05-04T14:17:38","slug":"banke-bodo-po-novem-lahko-kreditirale-tudi-tiste-drzavljane-ki-po-trenutnih-merilih-nimajo-dovolj-visokih-prihodkov","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banke-bodo-po-novem-lahko-kreditirale-tudi-tiste-drzavljane-ki-po-trenutnih-merilih-nimajo-dovolj-visokih-prihodkov\/","title":{"rendered":"Banke bodo po novem lahko kreditirale tudi tiste dr\u017eavljane, ki po trenutnih merilih nimajo dovolj visokih prihodkov"},"content":{"rendered":"<p>Z julijem bodo lahko banke kreditirale tudi tiste komitente, ki jim po pla\u010dilu mese\u010dnega obroka ostane manj od predpisanega zneska, to je se\u0161tevek 76 odstotkov bruto minimalne pla\u010de in zneska za vzdr\u017eevane dru\u017einske \u010dlane. Banke se bodo lahko za to izjemo odlo\u010dile pri najve\u010d 10 odstotkov svojih poslov, je na dana\u0161nji novinarski konferenci v Ljubljani povedal svetovalec v centralni banki Primo\u017e Dolenc.<\/p>\n<p>Kreditne pogodbe za stanovanjsko nepremi\u010dnino, popolnoma zavarovane z dr\u017eavnim jamstvom, bodo izvzete iz omejitev kreditiranja prebivalstva. To bo denimo veljalo za zakon o stanovanjski jamstveni shemi za mlade, ki bo za\u010del veljati v \u010detrtek, pa tudi za vse nadaljnje morebitne sheme z dr\u017eavnim jamstvom.<\/p>\n<p>Z julijem se bo uveljavilo zni\u017eanje priporo\u010denega razmerja med zneskom kredita in vrednostjo stanovanjske nepremi\u010dnine, dane v zavarovanje, za drugo ali vsako naslednjo nepremi\u010dnino, in sicer z 80 na 70 odstotkov. Za kreditojemalce, ki prvi\u010d re\u0161ujejo stanovanjsko vpra\u0161anje, pa bo \u0161e naprej veljalo dosedanje priporo\u010dilo, da to razmerje ne prese\u017ee 80 odstotkov.<\/p>\n<p>Za pove\u010danje odpornosti bank na nara\u0161\u010dajo\u010da tveganja, povezana s kreditiranjem prebivalstva in gibanji na nepremi\u010dninskem trgu, pa bodo morale banke s prihodnjim letom del kapitala, ki ga \u017ee imajo prostovoljno, pretvoriti v obvezni kapital. Za to so v Banki Sloveniji bankam dali nekaj \u010dasa za prilagoditev, pri \u010demer so izra\u010dunali, da za to nobena ne bo potrebovala dokapitalizacije.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banka Slovenije bo zaradi nara\u0161\u010dajo\u010dega tveganja za finan\u010dno stabilnost, ki izhajajo iz nepremi\u010dninskega trga, prilagodila makrobonitetno politiko. Bankam bo dala bolj proste roke pri presoji, komu bodo podelile kredit, bodo pa morale pove\u010dati kapitalski bla\u017eilnik.<\/p>\n","protected":false},"author":7,"featured_media":173662,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18201],"tags":[5912],"source":[4511],"supertag":[5675],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banke bodo po novem lahko kreditirale tudi tiste dr\u017eavljane, ki po trenutnih merilih nimajo dovolj visokih prihodkov - Hudo Slovenija<\/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:\/\/hudo.com\/si\/aktualno\/slovenija\/banke-bodo-po-novem-lahko-kreditirale-tudi-tiste-drzavljane-ki-po-trenutnih-merilih-nimajo-dovolj-visokih-prihodkov\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banke bodo po novem lahko kreditirale tudi tiste dr\u017eavljane, ki po trenutnih merilih nimajo dovolj visokih prihodkov - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Banka Slovenije bo zaradi nara\u0161\u010dajo\u010dega tveganja za finan\u010dno stabilnost, ki izhajajo iz nepremi\u010dninskega trga, prilagodila makrobonitetno politiko. Bankam bo dala bolj proste roke pri presoji, komu bodo podelile kredit, bodo pa morale pove\u010dati kapitalski bla\u017eilnik.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banke-bodo-po-novem-lahko-kreditirale-tudi-tiste-drzavljane-ki-po-trenutnih-merilih-nimajo-dovolj-visokih-prihodkov\/\" \/>\n<meta property=\"og:site_name\" content=\"Hudo Slovenija\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hudo.si\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-04T14:17:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2016\/11\/profimedia-0277553685.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"831\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"A. 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