{"id":11679,"date":"2015-01-26T16:33:05","date_gmt":"2015-01-26T15:33:05","guid":{"rendered":"http:\/\/www.obracun-placa.com\/?p=11679"},"modified":"2015-01-26T17:00:43","modified_gmt":"2015-01-26T16:00:43","slug":"fiksni-tecaj-chf-za-ugovore-o-kreditu-u-chf-i-u-kunama-s-valutnom-klauzulom-za-anuiteteobroke-u-redovitoj-otplati-1-chf-639-hrk-zakon-o-dopuni-zakona-o-potrosackom-kreditiranju","status":"publish","type":"post","link":"https:\/\/www.obracun-placa.com\/index.php\/obavijesti\/fiksni-tecaj-chf-za-ugovore-o-kreditu-u-chf-i-u-kunama-s-valutnom-klauzulom-za-anuiteteobroke-u-redovitoj-otplati-1-chf-639-hrk-zakon-o-dopuni-zakona-o-potrosackom-kreditiranju\/","title":{"rendered":"Fiksni te\u010daj CHF za ugovore o kreditu u CHF i u kunama s valutnom klauzulom za obroke u redovitoj otplati 1 CHF = 6,39 HRK (Zakon o dopuni zakona o potro\u0161a\u010dkom kreditiranju)"},"content":{"rendered":"<p><span style=\"font-family: arial, helvetica, sans-serif;\">U NN 9\/2015 od 26.01.2015. je objavljen <strong>&#8220;Zakon o dopuni zakona o potro\u0161a\u010dkom kreditiranju&#8221; <a href=\"http:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2015_01_9_199.html\" target=\"_blank\" rel=\"nofollow\">LINK<\/a><\/strong>.<strong>\u00a0<\/strong>Novi zakon regulira fiksiranje te\u010daja CHF za razdoblje jedne godine od stupanja zakona na snagu. Cijeli tekst zakona (preuzeto sa www.nn.hr):<\/span><\/p>\n<p><span style=\"text-decoration: underline; font-family: arial, helvetica, sans-serif;\"><strong>\u010clanak 1.<\/strong><\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">U Zakonu o potro\u0161a\u010dkom kreditiranju (\u00bbNarodne novine\u00ab, br. <a href=\"http:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2009_06_75_1783.html\" target=\"_blank\" rel=\"nofollow\">75\/09.<\/a>, <a href=\"http:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2012_10_112_2428.html\" target=\"_blank\" rel=\"nofollow\">112\/12.<\/a>, <a href=\"http:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2013_12_143_3066.html\" target=\"_blank\" rel=\"nofollow\">143\/13.<\/a>\u00a0i <a href=\"http:\/\/narodne-novine.nn.hr\/clanci\/sluzbeni\/2013_12_147_3134.html\" target=\"_blank\" rel=\"nofollow\">147\/13.<\/a>) iza \u010dlanka 11.c dodaje se \u010dlanak 11.d koji glasi:<\/span><\/p>\n<p style=\"padding-left: 60px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">\u00bb\u010clanak 11.d<\/span><\/p>\n<p style=\"padding-left: 60px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">(1) Za ugovore o kreditu u CHF i u kunama s valutnom klauzulom u CHF, za anuitete odnosno obroke u redovitoj otplati, te\u010daj CHF prema kuni utvr\u0111uje se na razini 6,39 kuna za 1 CHF za razdoblje od jedne godine od stupanja na snagu ovoga Zakona.<\/span><\/p>\n<p style=\"padding-left: 60px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">(2) Razlika visine anuiteta odnosno obroka primjenom te\u010daja iz stavka 1. ovoga \u010dlanka u odnosu na te\u010daj slobodno formiran na tr\u017ei\u0161tu stranih sredstava pla\u0107anja na temelju ponude i potra\u017enje je tro\u0161ak kreditne institucije.\u00ab.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">PRIJELAZNE I ZAVR\u0160NE ODREDBE<\/span><\/p>\n<p><span style=\"text-decoration: underline; font-family: arial, helvetica, sans-serif;\"><strong>\u010clanak 2.<\/strong><\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">(1) Odredba \u010dlanka 1. ovoga Zakona, kojim je dodan \u010dlanak 11.d Zakona primjenjuje se na ugovore o kreditu u CHF i u kunama s valutnom klauzulom u CHF sklopljene prije stupanja na snagu ovoga Zakona.<\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">(2) Iznimno od \u010dlanka 3. stavka 1. Zakona, \u010dlanak 11.d koji je dodan \u010dlankom 1. ovoga Zakona primjenjuje se i na ugovore o kreditu u CHF i u kunama uz valutnu klauzulu u CHF, neovisno o ukupnom iznosu i vrsti kredita, a koji su sklopljeni prije stupanja na snagu ovoga Zakona.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\"><strong><span style=\"text-decoration: underline;\">\u010clanak 3.<\/span><\/strong><\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Ovaj Zakon stupa na snagu prvoga dana od dana objave u \u00bbNarodnim novinama\u00ab.<\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><strong><span style=\"font-family: arial, helvetica, sans-serif;\">NA\u0160 KOMENTAR<\/span><\/strong><\/span><\/p>\n<p style=\"padding-left: 30px;\"><span style=\"font-family: arial, helvetica, sans-serif;\">Konstrukcija <strong>&#8220;za anuitete odnosno obroke u redovitoj otplati&#8221;<\/strong> otvara pitanje kako postupati s ovrhama na pla\u0107i koje su u CHF a koje su pokrenute zbog neredovitog pla\u0107anja kredita? Smatra li se to redovitom otplatom? Nadamo se da \u0107emo kroz ovih nekoliko dana, prije nego zapo\u010dne mjese\u010dni proces obra\u010duna pla\u0107a, dobiti konkretno tuma\u010denje, &#8230;<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif;\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>U NN 9\/2015 od 26.01.2015. je objavljen &#8220;Zakon o dopuni zakona o potro\u0161a\u010dkom kreditiranju&#8221; LINK.\u00a0Novi zakon regulira fiksiranje te\u010daja CHF za razdoblje jedne godine od stupanja zakona na snagu. Cijeli tekst zakona (preuzeto sa www.nn.hr): \u010clanak 1. U Zakonu o potro\u0161a\u010dkom kreditiranju (\u00bbNarodne novine\u00ab, br. 75\/09., 112\/12., 143\/13.\u00a0i 147\/13.) iza \u010dlanka 11.c dodaje se \u010dlanak [&hellip;]<\/p>\n","protected":false},"author":1501,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-11679","post","type-post","status-publish","format-standard","hentry","category-obavijesti","pmpro-has-access"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Fiksni te\u010daj za ugovore o kreditu u CHF i u kunama s valutnom klauzulom za anuitete\/obroke u redovitoj otplati 1 CHF = 6,39 HRK (Zakon o dopuni zakona o potro\u0161a\u010dkom kreditiranju)\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" 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