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Analiza modela stambenog financiranja u Republici Hrvatskoj

Author

Listed:
  • Mladen Mirko Tepuš

    (Croatian National Bank, Croatia)

Abstract

Stambena problematika dio je ekonomske, financijske i socijalne politike svake države, pa je tako i u Republici Hrvatskoj. Radi pronalaženja pristupačnih rješenja koja bi prosječnim građanima omogućila rješavanje stambenog pitanja, stvarani su zakonski preduvjeti za realizaciju različitih modela stambenog financiranja. U novije doba u Hrvatskoj je moguće razlikovati četiri modela stambenog financiranja, koji su zasebno analizirani u ovom radu (bankovno financiranje, ugovorna štednja za stambene svrhe, Fond za dugoročno financiranje stanogradnje uz potporu države i Program socijalno poticane stanogradnje - POS). Najznačajniji su stambeni kreditori poslovne banke univerzalnog tipa, dok se veća kreditna aktivnost stambenih štedionica tek očekuje. Državni Fond za dugoročno financiranje stanogradnje uz potporu države nije se uhodao, a za najnoviji državni model, POS, vlada veliki interes građana. Međutim, problem stambenog financiranja, pomoću aktualnih modela, nije adekvatno riješen. Stoga je u ovom radu provedena komparativna analiza i vrednovanje sadašnjih modela stambenog financiranja, a na temelju rezultata i zaključaka iz provedenih istraživanja upućuje se na rješenja kojima bi se moglo unapređivati postojeće stanje i razvijati nacionalno tržište stambenog financiranja.

Suggested Citation

  • Mladen Mirko Tepuš, 2004. "Analiza modela stambenog financiranja u Republici Hrvatskoj," Pregledi 18, Hrvatska narodna banka, Hrvatska.
    • Handle: RePEc:hnb:pregle:18
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    Keywords

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    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G12 - Financial Economics - - General Financial Markets - - - Asset Pricing; Trading Volume; Bond Interest Rates
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets

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