SD Dojavi
OSMRTNICE
PRETPLATA
PREMIUM
stdClass Object ( [id] => 1220713 [title] => Od danas se uvodi važno ograničenje za gotovo dva milijuna Hrvata s minusom na tekućem računu [alias] => od-danas-se-uvodi-vazno-ogranicenje-za-gotovo-dva-milijuna-hrvata-s-minusom-na-tekucem-racunu [catid] => 244 [published] => 1 [introtext] => [fulltext] =>

"Od danas se na iznos prešutnog prekoračenja na tekućim računima primjenjuje ograničenje efektivne kamatne stope na isti način kako je to propisano i za dopuštena prekoračenja", rekao je izvjestitelj Kluba zastupnika Europske pučke stranke (EPP) u Europskom parlamentu za novu Direktivu o potrošačkim kreditima, doc. dr. sc. Tomislav Sokol.

"Dobra je to vijest za gotovo milijun i osamsto tisuća potrošača u Republici Hrvatskoj kojima je odobreno prešutno prihvaćeno prekoračenje na tekućem računu", navodi se u priopćenju iz Ureda za odnose s javnošću Europske pučke stranke, a prenosi N1.

“Banke danas počinju primjenjivati ograničenja efektivne kamatne stope na postojeća prešutna prekoračenja, a to će u praksi značiti niže troškove ‘minusa’ na tekućim računima. Radi se o značajnom sniženju s obzirom na to da je prema podacima Hrvatske udruge banaka prosječna kamatna stopa na prešutna prekoračenja do sad iznosila 10,97 posto, a od danas će ona iznositi maksimalno 7,31 posto”, istaknuo je Sokol.

“Osim snižavanja kamatne stope, Memorandum o razumijevanju u vezi prekoračenja po tekućem računu donosi i druge pogodnosti za potrošače, od kojih je svakako najznačajnija ta da će banke morati najkasnije do 30. rujna iduće godine ponuditi potrošačima prelazak iz prešutnog u dopušteno prekoračenje koje je povoljnije za potrošače”, poručio je Sokol. Naglasio je, donosi N1, da se pravila Memoranduma koji je potpisan s bankama primjenjuju do stupanja na snagu zakona kojim će se urediti pitanja prekoračenja, tj. do trenutka implementacije nove Direktive za koju je Sokol ranije imenovan izvjestiteljem Kluba zastupnika EPP-a u Europskom parlamentu.

“Vezano uz novu Direktivu, prijedlog je bio takav da bi banke bez prethodne najave ili davanja mogućnosti obročne otplate mogle zatražiti povrat minusa, što predstavlja pravnu nesigurnost za potrošače i izlaže ih neproporcionalnom riziku. Drugim riječima, ništa ne bi sprječavalo banke da sutra ukinu minuse i zatraže povrat dugovanja s osnove prekoračenja. Zato sam uložio amandmane koji će potrošačima zajamčiti pravnu sigurnost jer banke neće moći tek tako ukinuti prekoračenje već će o tome morati potrošače obavijestiti u razumnom roku te im ponuditi mogućnost obročne otplate.

Veseli me što Memorandum o razumijevanju ide upravo u tom smjeru. Dodatno, važno je istaknuti da novim pravilima o potrošačkom kreditiranju zabranjujemo i jednostrano povećanje limita prekoračenja na računima. Takva praksa u nekim slučajevima dovodila je do još većeg zaduženja potrošača koji često nisu ni znali da raspolažu s povećanim limitom zaduženja na računima”, zaključio je Sokol, prenosi N1.

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"Od danas se na iznos prešutnog prekoračenja na tekućim računima primjenjuje ograničenje efektivne kamatne stope na isti način kako je to propisano i za dopuštena prekoračenja", rekao je izvjestitelj Kluba zastupnika Europske pučke stranke (EPP) u Europskom parlamentu za novu Direktivu o potrošačkim kreditima, doc. dr. sc. Tomislav Sokol.

"Dobra je to vijest za gotovo milijun i osamsto tisuća potrošača u Republici Hrvatskoj kojima je odobreno prešutno prihvaćeno prekoračenje na tekućem računu", navodi se u priopćenju iz Ureda za odnose s javnošću Europske pučke stranke, a prenosi N1.

“Banke danas počinju primjenjivati ograničenja efektivne kamatne stope na postojeća prešutna prekoračenja, a to će u praksi značiti niže troškove ‘minusa’ na tekućim računima. Radi se o značajnom sniženju s obzirom na to da je prema podacima Hrvatske udruge banaka prosječna kamatna stopa na prešutna prekoračenja do sad iznosila 10,97 posto, a od danas će ona iznositi maksimalno 7,31 posto”, istaknuo je Sokol.

“Osim snižavanja kamatne stope, Memorandum o razumijevanju u vezi prekoračenja po tekućem računu donosi i druge pogodnosti za potrošače, od kojih je svakako najznačajnija ta da će banke morati najkasnije do 30. rujna iduće godine ponuditi potrošačima prelazak iz prešutnog u dopušteno prekoračenje koje je povoljnije za potrošače”, poručio je Sokol. Naglasio je, donosi N1, da se pravila Memoranduma koji je potpisan s bankama primjenjuju do stupanja na snagu zakona kojim će se urediti pitanja prekoračenja, tj. do trenutka implementacije nove Direktive za koju je Sokol ranije imenovan izvjestiteljem Kluba zastupnika EPP-a u Europskom parlamentu.

“Vezano uz novu Direktivu, prijedlog je bio takav da bi banke bez prethodne najave ili davanja mogućnosti obročne otplate mogle zatražiti povrat minusa, što predstavlja pravnu nesigurnost za potrošače i izlaže ih neproporcionalnom riziku. Drugim riječima, ništa ne bi sprječavalo banke da sutra ukinu minuse i zatraže povrat dugovanja s osnove prekoračenja. Zato sam uložio amandmane koji će potrošačima zajamčiti pravnu sigurnost jer banke neće moći tek tako ukinuti prekoračenje već će o tome morati potrošače obavijestiti u razumnom roku te im ponuditi mogućnost obročne otplate.

Veseli me što Memorandum o razumijevanju ide upravo u tom smjeru. Dodatno, važno je istaknuti da novim pravilima o potrošačkom kreditiranju zabranjujemo i jednostrano povećanje limita prekoračenja na računima. Takva praksa u nekim slučajevima dovodila je do još većeg zaduženja potrošača koji često nisu ni znali da raspolažu s povećanim limitom zaduženja na računima”, zaključio je Sokol, prenosi N1.

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Božidar Vukičević/cropix
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Biznisnova pravila

Od danas se uvodi važno ograničenje za gotovo dva milijuna Hrvata s minusom na tekućem računu

Piše psd
1. rujna 2022. - 12:30
21289396
PREMIUM
Božidar Vukičević/cropix

"Od danas se na iznos prešutnog prekoračenja na tekućim računima primjenjuje ograničenje efektivne kamatne stope na isti način kako je to propisano i za dopuštena prekoračenja", rekao je izvjestitelj Kluba zastupnika Europske pučke stranke (EPP) u Europskom parlamentu za novu Direktivu o potrošačkim kreditima, doc. dr. sc. Tomislav Sokol.

"Dobra je to vijest za gotovo milijun i osamsto tisuća potrošača u Republici Hrvatskoj kojima je odobreno prešutno prihvaćeno prekoračenje na tekućem računu", navodi se u priopćenju iz Ureda za odnose s javnošću Europske pučke stranke, a prenosi N1.

“Banke danas počinju primjenjivati ograničenja efektivne kamatne stope na postojeća prešutna prekoračenja, a to će u praksi značiti niže troškove ‘minusa’ na tekućim...

#MINUS NA RAČUNU#TOMISLAV SOKOL
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20. svibanj 2024 15:38