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Ekonomske implikacije direktive o ugovorima o potrošačkom kreditiranju koji se odnose na stambene nekretnine

Author

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  • Josip Tica

    (Faculty of Economics and Business, University of Zagreb)

Abstract

Cilj ovoga rada je analizirati ekonomske implikacije Direktive 2014/17/EU Europskog parlamenta i Vijeća od 4. veljače 2014. o ugovorima o potrošačkim kreditima koji se odnose na stambene nekretnine i o izmjeni direktiva 2008/48/EZ, 2013/36/EU i Uredbe (EU) br. 1093/2010 koja sveobuhvatno regulira područje kreditiranja kupoprodaje nekretnine regulirajući kredite u stranoj valuti, kredite s promjenjivim kamatnim stopama, prijevremenu otplatu kredita, ovršni postupak, procjenu ovršenih nekretnina i čitav niz drugih mjera. Obveza država članica je da do 21. ožujka 2016. donesu i objave zakone i druge potrebne promjene za usklađivanje s ovom direktivom, a Direktiva se neće odnositi na ugovore na kredite koji su postojali prije tog datuma, ali imajući u vidu regulaciju prijevremeno otplate moguće je da će u financijskom smislu ugovori o kreditima u skladu s Direktivnom biti potencijalna alternativa postojećim ugovorima. Sukladno tome, važno je razumjeti ekonomske implikacije, te prednosti i nedostatke nove i stare regulacije u stambenom kreditiranju.

Suggested Citation

  • Josip Tica, 2015. "Ekonomske implikacije direktive o ugovorima o potrošačkom kreditiranju koji se odnose na stambene nekretnine," EFZG Working Papers Series 1512, Faculty of Economics and Business, University of Zagreb.
  • Handle: RePEc:zag:wpaper:1512
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    More about this item

    Keywords

    Stambeno kreditiranje; krediti u stranoj valuti; krediti s promjenjivim kamatnim stopama;
    All these keywords.

    JEL classification:

    • E3 - Macroeconomics and Monetary Economics - - Prices, Business Fluctuations, and Cycles
    • K2 - Law and Economics - - Regulation and Business Law
    • G3 - Financial Economics - - Corporate Finance and Governance

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