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[title] => Bankari smiruju paniku oko zatvaranja prešutnih minusa: Ne radi se o općoj akciji naplate. Ako i dođe do promjena, građanima će se omogućiti otplata u normalnom razdoblju
[alias] => bankari-smiruju-paniku-oko-zatvaranja-presutnih-minusa-ne-radi-se-o-opcoj-akciji-naplate-ako-i-dode-do-promjena-gradanima-ce-se-omoguciti-otplata-u-normalnom-razdoblju
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Hrvatska udruga banaka opovrgava napise o tome da banke zatvaraju takozvane prešutne minuse na tekućim računima građana. Iz udruge ističu da nije točna informacija da će građani prešutne minuse morati smanjiti za dva mjeseca ili najkasnije do Nove godine.
- Mislim da se ne radi o općoj akciji naplate. Ne znam zašto je došlo do takve panike. Mislimo da neće doći do značajnijih promjena, bar ne u ovom trenutku. A kad do njih dođe, bit će izvedene na takav način da će građanima u normalnom vremenskom razdoblju biti omogućena normalna otplata obveza, prešutnog ili dopuštenog minusa, rekao je direktor Hrvatske udruge banaka Zdenko Adrović, prenosi HRT .
U čemu je uopće razlika između dopuštenog i prešutnog prekoračenja? Dopušteno prekoračenje je oblik ugovora o kreditu, a prešutno prekoračenje svojevrsnog osiguranja za hitne potrebe-manjih iznosa, bez ograničenja cijena, bez detaljnog informiranja i ugovaranja. Prema tumačenju HNB-a ta su se dva proizvoda zapravo stopila u jedan, pod uvjetima koji ne omogućuju primjerenu zaštitu potrošača i uz značajno višu cijenu.
Prešutna prekoračenja trebala bi biti iznimka, a ne pravilo, i odobravati se u manjim iznosima, pa nedostatak ograničenja efektivne kamatne stope ne bi proizvodio značajan financijski učinak potrošačima.
- Ispitivanjem prakse banaka vezano za prešutna prekoračenja, utvrđeno je da je cijena prešutnih prekoračenja prosječno 30 posto viša od cijena dopuštenih prekoračenja, a da pritom nije utvrđena neka razlika između tih dvaju oblika prekoračenja, posebno ne ona koja bi bila u korist potrošača. Stoga smatramo da nema opravdanja niti za višu cijenu – mišljenja su u HNB-u.
Dosad je u zakonu predviđena obveza banke da u slučaju smanjenja ili ukidanja dopuštenog prekoračenja mora potrošač omogućiti otplatu u 12 mjesečnih obroka. Za prešutno prekoračenje ne postoji ovakva obaveza.
Zato je HNB objavio prijedlog izmjena da se korisnicima prešutnih prekoračenja zajamči postupno otplata. Iz HNB-a tvrde kako nisu pokrenuli inicijativu za ukidanje postojećih prešutnih prekoračenja, već za sniženje njihovih cijena.
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Hrvatska udruga banaka opovrgava napise o tome da banke zatvaraju takozvane prešutne minuse na tekućim računima građana. Iz udruge ističu da nije točna informacija da će građani prešutne minuse morati smanjiti za dva mjeseca ili najkasnije do Nove godine.
- Mislim da se ne radi o općoj akciji naplate. Ne znam zašto je došlo do takve panike. Mislimo da neće doći do značajnijih promjena, bar ne u ovom trenutku. A kad do njih dođe, bit će izvedene na takav način da će građanima u normalnom vremenskom razdoblju biti omogućena normalna otplata obveza, prešutnog ili dopuštenog minusa, rekao je direktor Hrvatske udruge banaka Zdenko Adrović, prenosi HRT .
U čemu je uopće razlika između dopuštenog i prešutnog prekoračenja? Dopušteno prekoračenje je oblik ugovora o kreditu, a prešutno prekoračenje svojevrsnog osiguranja za hitne potrebe-manjih iznosa, bez ograničenja cijena, bez detaljnog informiranja i ugovaranja. Prema tumačenju HNB-a ta su se dva proizvoda zapravo stopila u jedan, pod uvjetima koji ne omogućuju primjerenu zaštitu potrošača i uz značajno višu cijenu.
Prešutna prekoračenja trebala bi biti iznimka, a ne pravilo, i odobravati se u manjim iznosima, pa nedostatak ograničenja efektivne kamatne stope ne bi proizvodio značajan financijski učinak potrošačima.
- Ispitivanjem prakse banaka vezano za prešutna prekoračenja, utvrđeno je da je cijena prešutnih prekoračenja prosječno 30 posto viša od cijena dopuštenih prekoračenja, a da pritom nije utvrđena neka razlika između tih dvaju oblika prekoračenja, posebno ne ona koja bi bila u korist potrošača. Stoga smatramo da nema opravdanja niti za višu cijenu – mišljenja su u HNB-u.
Dosad je u zakonu predviđena obveza banke da u slučaju smanjenja ili ukidanja dopuštenog prekoračenja mora potrošač omogućiti otplatu u 12 mjesečnih obroka. Za prešutno prekoračenje ne postoji ovakva obaveza.
Zato je HNB objavio prijedlog izmjena da se korisnicima prešutnih prekoračenja zajamči postupno otplata. Iz HNB-a tvrde kako nisu pokrenuli inicijativu za ukidanje postojećih prešutnih prekoračenja, već za sniženje njihovih cijena.
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10. svibanj 2024 15:54
