{"id":20565,"date":"2015-04-23T10:24:32","date_gmt":"2015-04-23T09:24:32","guid":{"rendered":"https:\/\/www.prijedordanas.com\/?p=20565"},"modified":"2015-05-11T22:59:02","modified_gmt":"2015-05-11T21:59:02","slug":"skuplje-pozajmice-sve-cesci-izbor-gradana","status":"publish","type":"post","link":"https:\/\/www.prijedordanas.com\/?p=20565","title":{"rendered":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA"},"content":{"rendered":"<p><a href=\"https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-20566\" src=\"https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice-300x200.jpg\" alt=\"nezavisne-sve cesce skuplje pozajmice\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice-300x200.jpg 300w, https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice.jpg 640w, https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice-480x320.jpg 480w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Gra\u0111ani u Republici Srpskoj sve \u010de\u0161\u0107e svoje finansijske probleme rje\u0161avaju uzimanjem kratkoro\u010dnih pozajmica, iako je taj vid zadu\u017eivanja najskuplji.<\/p>\n<p>Kao jedan od razloga za takvo stanje je taj \u0161to je za njihovo uzimanje procedura dosta br\u017ea i jednostavnija.<\/p>\n<p>Prema preliminarnim podacima Agencije za bankarstvo RS, kamatne stope kratkoro\u010dnih zajmova kod banaka imaju prosje\u010dnu visinu do 13,74 odsto, dok te stope kod mikrokreditnih organizacija prosje\u010dno dose\u017eu i do 24,25 odsto.<\/p>\n<p>Me\u0111utim, te kamate mogu biti i vi\u0161e, jer jedna mikrokreditna organizacija, koja posluje na teritoriji cijele BiH na svom sajtu nudi pozajmice od 300 do 10.000 KM, s rokom otplate do 60 mjeseci i godi\u0161njom efektivnom kamatnom stopom od \u010dak 37,89 odsto.<\/p>\n<p>Murisa Mari\u0107, predsjednik Udru\u017eenja gra\u0111ana &#8220;Don&#8221; iz Prijedora, rekla je da prema podacima od pro\u0161le godine, kojima ovo udru\u017eenje raspola\u017ee, veliki broj gra\u0111ana u RS pose\u017ee za nekim vidom pozajmice.<\/p>\n<p>Kako navodi, ve\u0107ina gra\u0111ana podi\u017ee pozajmicu, a da se prije toga uop\u0161te nisu upoznali \u0161ta u su\u0161tini zna\u010di pozajmica i koliko \u0107e novca vratiti ako ne izmire obaveze do predvi\u0111enog roka.<\/p>\n<p>&#8220;Pozajmice su \u010desto pravile probleme, jer se ljudi opuste da mogu do prosjeka tri plate podizati te pozajmice, onda kupovina postane \u010de\u0161\u0107a i dolazi do problema da nemaju novca za vra\u0107anje ili da vje\u010dito vra\u0107aju neku pozajmicu&#8221;, istakla je ona.<\/p>\n<p>Prema njenim rije\u010dima, gra\u0111ani jo\u0161 nemaju svijesti \u0161ta to zna\u010di, niti imaju adekvatno obja\u0161njenje od bankarskih slu\u017ebenika \u0161ta zna\u010di pozajmica u na\u0161em slu\u010daju kada su veoma niske plate.<\/p>\n<p>Prema preliminarnom izvje\u0161taju Agencije za bankarstvo RS o poslovanju bankarskog sektora u RS, ukupni krediti gra\u0111ana RS na kraju 2014. godine iznosili su 2,374 milijarde maraka, \u0161to je za \u0161est odsto vi\u0161e nego u istom periodu 2013. godine. Dospjela potra\u017eivanja ukupnih kredita gra\u0111ana bankarskog sektora RS u\u010destvuju sa 7,8 odsto u ukupnim kreditima gra\u0111ana, \u0161to je za 0,27 odsto vi\u0161e nego godinu dana ranije.<\/p>\n<p>&#8220;Prema ro\u010dnoj strukturi, kratkoro\u010dni krediti su iznosili 341,7 miliona maraka, dok su dugoro\u010dni iznosili 2,033 milijarde maraka&#8221;, istakli su u Agenciji za bankarstvo RS i dodali da prema namjenskoj strukturi gra\u0111ani kratkoro\u010dne kredite naj\u010de\u0161\u0107e uzimaju za op\u0161tu potro\u0161nju, obavljanje djelatnosti i stambene potrebe.<\/p>\n<p>Kako se navodi, prosje\u010dna efektivna kamatna stopa banaka RS na kratkoro\u010dne kredite gra\u0111anima iznosila je 13,74 odsto i ve\u0107a je za 0,74 odsto u odnosu na 2013. godinu.<\/p>\n<p>Sa druge strane, mikrokrediti plasirani fizi\u010dkim licima, uklju\u010duju\u0107i i male preduzetnike, od mikrokreditnih organizacija pro\u0161le godine iznosili su 203,5 miliona maraka i bilje\u017ee pad od pet odsto. Od tog iznosa, kratkoro\u010dni krediti su iznosili 27 miliona maraka.<\/p>\n<p>&#8220;Krediti plasirani fizi\u010dkim licima namijenjeni su za poljoprivredu, uslu\u017ene djelatnosti, trgovinu, proizvodnju, te stambene potrebe. Prosje\u010dna efektivna kamatna stopa mikrokreditnih organizacija RS na ove zajmove iznosila je 24,25 odsto, s tendencijom rasta u odnosu na 2013. godinu&#8221;, kazali su u Agenciji za bankarstvo RS.<\/p>\n<p>Nezavisne novine<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gra\u0111ani u Republici Srpskoj sve \u010de\u0161\u0107e svoje finansijske probleme rje\u0161avaju uzimanjem kratkoro\u010dnih pozajmica, iako je taj vid zadu\u017eivanja najskuplji. Kao jedan od razloga za takvo stanje je taj \u0161to je [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[8],"tags":[3405],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal<\/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:\/\/www.prijedordanas.com\/?p=20565\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal\" \/>\n<meta property=\"og:description\" content=\"Gra\u0111ani u Republici Srpskoj sve \u010de\u0161\u0107e svoje finansijske probleme rje\u0161avaju uzimanjem kratkoro\u010dnih pozajmica, iako je taj vid zadu\u017eivanja najskuplji. Kao jedan od razloga za takvo stanje je taj \u0161to je [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.prijedordanas.com\/?p=20565\" \/>\n<meta property=\"og:site_name\" content=\"PrijedorDanas.com - Prijedorski gradski portal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PrijedorDanasCom\/\" \/>\n<meta property=\"article:published_time\" content=\"2015-04-23T09:24:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-05-11T21:59:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice-300x200.jpg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.prijedordanas.com\/#\/schema\/person\/4e08ccf29b506ca916ff86d46bb700e6\"},\"headline\":\"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA\",\"datePublished\":\"2015-04-23T09:24:32+00:00\",\"dateModified\":\"2015-05-11T21:59:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565\"},\"wordCount\":515,\"publisher\":{\"@id\":\"https:\/\/www.prijedordanas.com\/#organization\"},\"keywords\":[\"pozajmice\"],\"articleSection\":[\"Svakodnevno\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565\",\"url\":\"https:\/\/www.prijedordanas.com\/?p=20565\",\"name\":\"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal\",\"isPartOf\":{\"@id\":\"https:\/\/www.prijedordanas.com\/#website\"},\"datePublished\":\"2015-04-23T09:24:32+00:00\",\"dateModified\":\"2015-05-11T21:59:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.prijedordanas.com\/?p=20565\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.prijedordanas.com\/?p=20565#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.prijedordanas.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.prijedordanas.com\/#website\",\"url\":\"https:\/\/www.prijedordanas.com\/\",\"name\":\"PrijedorDanas.com - Prijedorski gradski portal\",\"description\":\"Portal o doga\u0111anjima u gradu Prijedoru\",\"publisher\":{\"@id\":\"https:\/\/www.prijedordanas.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.prijedordanas.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.prijedordanas.com\/#organization\",\"name\":\"PrijedorDanas.com\",\"url\":\"https:\/\/www.prijedordanas.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.prijedordanas.com\/#\/schema\/logo\/image\/\",\"url\":\"http:\/\/www.prijedordanas.com\/wp-content\/uploads\/2021\/12\/logopng.png\",\"contentUrl\":\"http:\/\/www.prijedordanas.com\/wp-content\/uploads\/2021\/12\/logopng.png\",\"width\":1019,\"height\":776,\"caption\":\"PrijedorDanas.com\"},\"image\":{\"@id\":\"https:\/\/www.prijedordanas.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PrijedorDanasCom\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.prijedordanas.com\/#\/schema\/person\/4e08ccf29b506ca916ff86d46bb700e6\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.prijedordanas.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1d3fc949d550f0b53a5f0d51e06dfd79?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1d3fc949d550f0b53a5f0d51e06dfd79?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/www.prijedordanas.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.prijedordanas.com\/?p=20565","og_locale":"en_US","og_type":"article","og_title":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal","og_description":"Gra\u0111ani u Republici Srpskoj sve \u010de\u0161\u0107e svoje finansijske probleme rje\u0161avaju uzimanjem kratkoro\u010dnih pozajmica, iako je taj vid zadu\u017eivanja najskuplji. Kao jedan od razloga za takvo stanje je taj \u0161to je [&hellip;]","og_url":"https:\/\/www.prijedordanas.com\/?p=20565","og_site_name":"PrijedorDanas.com - Prijedorski gradski portal","article_publisher":"https:\/\/www.facebook.com\/PrijedorDanasCom\/","article_published_time":"2015-04-23T09:24:32+00:00","article_modified_time":"2015-05-11T21:59:02+00:00","og_image":[{"url":"https:\/\/www.prijedordanas.com\/wp-content\/uploads\/2015\/04\/nezavisne-sve-cesce-skuplje-pozajmice-300x200.jpg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.prijedordanas.com\/?p=20565#article","isPartOf":{"@id":"https:\/\/www.prijedordanas.com\/?p=20565"},"author":{"name":"admin","@id":"https:\/\/www.prijedordanas.com\/#\/schema\/person\/4e08ccf29b506ca916ff86d46bb700e6"},"headline":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA","datePublished":"2015-04-23T09:24:32+00:00","dateModified":"2015-05-11T21:59:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.prijedordanas.com\/?p=20565"},"wordCount":515,"publisher":{"@id":"https:\/\/www.prijedordanas.com\/#organization"},"keywords":["pozajmice"],"articleSection":["Svakodnevno"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.prijedordanas.com\/?p=20565","url":"https:\/\/www.prijedordanas.com\/?p=20565","name":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA - PrijedorDanas.com - Prijedorski gradski portal","isPartOf":{"@id":"https:\/\/www.prijedordanas.com\/#website"},"datePublished":"2015-04-23T09:24:32+00:00","dateModified":"2015-05-11T21:59:02+00:00","breadcrumb":{"@id":"https:\/\/www.prijedordanas.com\/?p=20565#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.prijedordanas.com\/?p=20565"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.prijedordanas.com\/?p=20565#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.prijedordanas.com\/"},{"@type":"ListItem","position":2,"name":"SKUPLJE POZAJMICE SVE \u010cE\u0160\u0106I IZBOR GRA\u0110ANA"}]},{"@type":"WebSite","@id":"https:\/\/www.prijedordanas.com\/#website","url":"https:\/\/www.prijedordanas.com\/","name":"PrijedorDanas.com - Prijedorski gradski portal","description":"Portal o doga\u0111anjima u gradu Prijedoru","publisher":{"@id":"https:\/\/www.prijedordanas.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.prijedordanas.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.prijedordanas.com\/#organization","name":"PrijedorDanas.com","url":"https:\/\/www.prijedordanas.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.prijedordanas.com\/#\/schema\/logo\/image\/","url":"http:\/\/www.prijedordanas.com\/wp-content\/uploads\/2021\/12\/logopng.png","contentUrl":"http:\/\/www.prijedordanas.com\/wp-content\/uploads\/2021\/12\/logopng.png","width":1019,"height":776,"caption":"PrijedorDanas.com"},"image":{"@id":"https:\/\/www.prijedordanas.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PrijedorDanasCom\/"]},{"@type":"Person","@id":"https:\/\/www.prijedordanas.com\/#\/schema\/person\/4e08ccf29b506ca916ff86d46bb700e6","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.prijedordanas.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1d3fc949d550f0b53a5f0d51e06dfd79?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1d3fc949d550f0b53a5f0d51e06dfd79?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/www.prijedordanas.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/posts\/20565"}],"collection":[{"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20565"}],"version-history":[{"count":2,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/posts\/20565\/revisions"}],"predecessor-version":[{"id":20663,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=\/wp\/v2\/posts\/20565\/revisions\/20663"}],"wp:attachment":[{"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prijedordanas.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}