{"id":482006,"date":"2023-06-07T11:09:50","date_gmt":"2023-06-07T09:09:50","guid":{"rendered":"https:\/\/hudo.com\/si\/?p=482006"},"modified":"2023-06-07T11:09:50","modified_gmt":"2023-06-07T09:09:50","slug":"banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita\/","title":{"rendered":"Banka Slovenije bo ob\u010dutno omilila pogoje za najem kredita"},"content":{"rendered":"<p>Kot je na dana\u0161nji novinarski konferenci povedal viceguverner in namestnik guvernerja Banke Slovenije Primo\u017e Dolenc, se bodo pri izra\u010dunu letnega dohodka potro\u0161nika upo\u0161tevali tudi otro\u0161ki dodatek in nekateri drugi socialno varstveni prejemki, ki so bili doslej izklju\u010deni.<\/p>\n<p>Banka Slovenije bo uvedla enotno omejitev razmerja med letnim stro\u0161kom servisiranja dolga in letnim neto dohodkom kreditojemalca. Ta bo po novem postavljen v vi\u0161ini 50 odstotkov ne glede na vi\u0161ino dohodka. Ob tem bo zni\u017eala tudi odstotek dovoljenih preseganj znotraj te ravni, in sicer z desetih odstotkov na tri odstotke.<\/p>\n<p>&#8220;Osnovna ideja ukrepanja je, da pripoznamo kreditno sposobnost tistemu ozkemu krogu ljudi, ki te mo\u017enosti trenutno nimajo, pa so po na\u0161i strokovni presoji sposobni odpla\u010devati dolo\u010den kredit. Gre za osebe, katerih neto pla\u010da se giblje nekje med minimalno in povpre\u010dno pla\u010do in pri katerih so bili doslej ti zneski omejeni s 76 odstotki minimalne pla\u010de,&#8221; je pojasnil Dolenc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banka Slovenije bo z julijem prilagodila makrobonitetni ukrep, ki je povezan z omejitvami kreditiranja potro\u0161nikov. Nova spodnja meja kreditne sposobnosti bo temeljila na minimalnih \u017eivljenjskih stro\u0161kih in nekaterih dodatnih dejavnikih. Znesek minimalne kreditne sposobnosti bo zna\u0161al 745 evrov namesto sedanjih 915 evrov.<\/p>\n","protected":false},"author":7,"featured_media":482007,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18201],"tags":[5912,13759],"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>Banka Slovenije bo ob\u010dutno omilila pogoje za najem kredita - 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\/banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banka Slovenije bo ob\u010dutno omilila pogoje za najem kredita - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Banka Slovenije bo z julijem prilagodila makrobonitetni ukrep, ki je povezan z omejitvami kreditiranja potro\u0161nikov. Nova spodnja meja kreditne sposobnosti bo temeljila na minimalnih \u017eivljenjskih stro\u0161kih in nekaterih dodatnih dejavnikih. Znesek minimalne kreditne sposobnosti bo zna\u0161al 745 evrov namesto sedanjih 915 evrov.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita\/\" \/>\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=\"2023-06-07T09:09:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2023\/06\/profimedia-0468609322.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"833\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"A. P., STA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:site\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"A. P., STA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/hudo.com\/si\/aktualno\/slovenija\/banka-slovenije-bo-obcutno-omilila-pogoje-za-najem-kredita\/\"},\"author\":{\"name\":\"A. 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