| Abstract | Cilj ovoga rada bio je usporediti i analizirati ponude studentskih zajmova u bankama u Republici Hrvatskoj. U tu svrhu korištene su metode sinteze, analize, dedukcije, deskripcije, komparacije, matematičke metode iz područja financijske matematike, te grafičko i tablično prikazivanje podataka. Banke obuhvaćene ovim radom bile su Privredna banka Zagreb, Zagrebačka banka, Erste banka, OTP banka, Splitska banka te Hrvatska poštanska banka.
Istraživanjem je utvrđeno kako se ponude banaka najviše razlikuju po ponuđenom maksimalnom iznosu kredita: naime, u Zagrebačkoj banci je moguće dobiti kredit u iznosu četiri puta većem nego u OTP banci. Nadalje, u Zagrebačkoj banci te Erste banci moguće je dobiti kredit u kunama, doduše uz nešto veću kamatnu stopu, dok druge promatrane banke nude studentske kredite isključivo uz valutnu klauzulu. Što se tiče kamatnih stopa, one se svojim iznosima ne razlikuju drastično među bankama, te variraju od 4,5%-5,4%, osim u Splitskoj banci, gdje je nešto viša (5,76%-6,76%).
Utvrđeno je kako bi studentski kredit u iznosu od 3.000 eura bio najpovoljniji u Zagrebačkoj banci, a najmanje povoljan u Splitskoj banci, što nije iznenađujuće, budući da dotične banke nude najnižu odnosno najvišu kamatnu stopu. Ipak, pri donošenju odluke o tome u kojoj banci uzeti kredit, potrebno je voditi računa i o specifičnostima pojedinca i njegovog kreditnog zahtjeva. |
| Abstract (english) | The main aim of this paper was to compare and analyze student loans offered by six Croatian banks: Privredna banka Zagreb (PBZ), Zagrebačka banka (ZABA), Erste banka, OTP banka, Splitska banka and Hrvatska poštanska banka (HPB). For this purpose, scientific methods such as analysis, deduction, description, comparison, as well as financial math were used.
It has been found that the banks’ conditions mostly differ by the maximum amount of loan offered: namely, at ZABA one can loan an amount four times higher than at OTP bank. Furthermore, ZABA and Erste offer student loans in kunas, albeit with higher interest rates, while student loans offered by other banks are all pegged to the euro. As for the interest rates, they do not vary drastically: usually between 4,5% and 5,5%, except at Splitska banka, where they are somewhat higher (5,76%-6,76%).
Finally, this study has determined that a 3,000-euro student loan would be most favourable at ZABA, and least favourable at Splitska banka, which is not surprising, considering that those bank offer the lowest and the highest interest rate respectively. Nevertheless, when making a decision on which bank to choose to take a student loan at, one must keep in mind the specifics of an individual’s loan application. |
