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[title] => Gotovinski ili stambeni kredit: evo groznih kamata - uzmeš 100.000 € i banci ide ogroman iznos! Imamo detaljne izračune
[alias] => gotovinski-ili-stambeni-kredit-evo-groznih-kamata-uzmes-100-000-i-banci-ide-ogroman-iznos-imamo-detaljne-izracune
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Mnogi dižu kredite jer im je to jedini način financiranja. Nemaju bogate roditelje, ništa nisu naslijedili niti će naslijediti, pa im je onda jedini izbor kredit koji će vraćati 10, 20, 30... godina.
No, mnogi uzmu kredit, a da nisu ni svjesni koliko će kamate na kraju dati banci. U nastavku donosimo tri primjera za nenamjenske gotovinske kredite i tri primjera za stambene kredite.
Evo izračuna za tri različita gotovinska kredite do 40 tisuća eura:
►1.
- 10.000 eura gotovinskog kredita
- 5 godina otplate ili 60 mjeseci
- Mjesečni anuitet 196,56 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke 1843,25 EUR
- Kamatna stopa 6,69 %
- Efektivna kamatna stopa 6,90 %
- Ukupni iznos otplate 11.844,84 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
►2.
- 20.000 eura gotovinskog kredita
- 10 godina otplata ili 120 mjeseci
- Mjesečni anuitet 227,00 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke 7336,36 EUR
- Kamatna stopa 6,49 %
- Efektivna kamatna stopa 6,69 %
- Ukupni iznos otplate: 27.337,95 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
►3.
- 40.000 eura gotovinskog kredita
- Na 120 mjeseci ili 10 godina
- Mjesečni anuitet 454,00 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke - 14.672,77 EUR
- Kamatna stopa - 6,49 %
- Efektivna kamatna stopa - 6,68 %
- Ukupni iznos otplate: 54.674,36 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
Evo primjera za stambene kredite do 300 tisuća eura:
►1.
Iznos kredita - 100.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 461,98 €
Ukupni iznos otplate: 166.312,80 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 66.312,80 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,85%
Vrsta kamatne stope: Fiksna
►2.
Iznos kredita - 200.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 923,96 €
Ukupni iznos otplate: 332.625,60 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 132.625,60 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,82%
Vrsta kamatne stope: Fiksna
►3.
Iznos kredita - 300.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 1385,94 €
Ukupni iznos otplate: 498.938,40 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 198.938,40 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,82%
Vrsta kamatne stope: Fiksna
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[cleanTitle] => Gotovinski ili stambeni kredit: evo groznih kamata - uzmeš 100.000 € i banci ide ogroman iznos! Imamo detaljne izračune
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Mnogi dižu kredite jer im je to jedini način financiranja. Nemaju bogate roditelje, ništa nisu naslijedili niti će naslijediti, pa im je onda jedini izbor kredit koji će vraćati 10, 20, 30... godina.
No, mnogi uzmu kredit, a da nisu ni svjesni koliko će kamate na kraju dati banci. U nastavku donosimo tri primjera za nenamjenske gotovinske kredite i tri primjera za stambene kredite.
Evo izračuna za tri različita gotovinska kredite do 40 tisuća eura:
►1.
- 10.000 eura gotovinskog kredita
- 5 godina otplate ili 60 mjeseci
- Mjesečni anuitet 196,56 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke 1843,25 EUR
- Kamatna stopa 6,69 %
- Efektivna kamatna stopa 6,90 %
- Ukupni iznos otplate 11.844,84 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
►2.
- 20.000 eura gotovinskog kredita
- 10 godina otplata ili 120 mjeseci
- Mjesečni anuitet 227,00 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke 7336,36 EUR
- Kamatna stopa 6,49 %
- Efektivna kamatna stopa 6,69 %
- Ukupni iznos otplate: 27.337,95 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
►3.
- 40.000 eura gotovinskog kredita
- Na 120 mjeseci ili 10 godina
- Mjesečni anuitet 454,00 EUR
- Ukupno otplaćena kamata ili ‘zarada‘ banke - 14.672,77 EUR
- Kamatna stopa - 6,49 %
- Efektivna kamatna stopa - 6,68 %
- Ukupni iznos otplate: 54.674,36 EUR
EKS je izračunat uz naknadu za vođenje tekućeg računa od 1,59 EUR za jedan mjesec.
Evo primjera za stambene kredite do 300 tisuća eura:
►1.
Iznos kredita - 100.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 461,98 €
Ukupni iznos otplate: 166.312,80 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 66.312,80 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,85%
Vrsta kamatne stope: Fiksna
►2.
Iznos kredita - 200.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 923,96 €
Ukupni iznos otplate: 332.625,60 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 132.625,60 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,82%
Vrsta kamatne stope: Fiksna
►3.
Iznos kredita - 300.000 eura
Vrijeme otplate - 30 godina
Iznos mjesečnog anuiteta: 1385,94 €
Ukupni iznos otplate: 498.938,40 €
Ukupno otplaćena kamata ili ‘zarada‘ banke: 198.938,40 €
Kamatna stopa: 3,73%
Efektivna kamatna stopa: 3,82%
Vrsta kamatne stope: Fiksna
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12. svibanj 2024 17:27
