| Abstract | Osnovni cilj ovoga rada bio je analizirati i usporediti kredite za obrazovanje koje nude banke na hrvatskom tržištu, i to: Zagrebačka banka, Privredna banka Zagreb, Erste banka, Hrvatska poštanska banka te Splitska banka. U svrhu ostvarenja tog cilja korištene su metode deskripcije, analize, komparacije, kao i matematičke metode iz područja financijske matematike, a podaci su prikazivani tablično.
Utvrđeno je kako se većina uvjeta odnosno odrednica kredita, osim kamate, ne razlikuje drastično među promatranim bankama. Pokazalo se kako svih pet odabranih banaka nudi kredite za financiranje školarine odnosno troškova upisa uz valutnu klauzulu u eurima, dok jedino Zagrebačka banka nudi i opciju u kunama, doduše uz nešto višu kamatu. Također, kod svih banaka, osim Erste banke, kamatna se stopa sastoji od fiksnog i varijabilnog dijela, dok Erste banka nudi kamatnu stopu koja je ili u cijelosti fiksna (uz kraće rokove otplate) ili u cijelosti varijabilna. Konačno, Erste banka i Splitska banka nude povoljniju kamatu svojim klijentima odnosno klijentima kojima se primanja uplaćuju na račun u istoj banci.
Najvažnije od svega, najpovoljnije kamatne stope na kredite za financiranje školarine odnosno troškova upisa nude Zagrebačka banka i Privredna banka Zagreb. Nešto višu kamatu propisuje Hrvatska poštanska banka, dok su kamate najviše u Erste banci te u Splitskoj banci. Izradom otplatnih planova i njihovom usporedbom potvrđen je zaključak kako su ovakvi krediti najpovoljniji u Zagrebačkoj banci i u Privrednoj banci Zagreb. Međutim, pri odabiru banke kod koje će se uzeti kredit potrebno je voditi računa i o specifičnostima kreditnog zahtjeva svakog pojedinca. |
| Abstract (english) | The main aim of this paper was to analyze and compare student loans offered by banks on the Croatian market, which are as follows: Zagrebačka banka, Privredna banka Zagreb, Erste banka, Hrvatska poštanska banka and Splitska banka. In order to achieve this goal, scientific methods used were description, analysis, comparison, as well as mathematical methods from the field of financial math, while the dana was displayed in tables.
It has been found that most credit conditions, except interest, do not differ significantly between the observed banks. It has been shown that all five banks included in the research offer credits for tuition or enrollment costs, linked to euro. Only Zagrebačka banka offers credit in Croatian kunas, however with a somewhat higher interest rate. Also, interest rates offered by all the banks covered by this paper consist of a fixed and a variable component. Only Erste banka offers an interest rate that is either fully fixed (for shorter repayment periods) or fully variable. Finally, Erste banka and Splitska banka offer more favorable interest rates to their clients.
Most importantly, the most favorable interest rates on student loans are offered by Zagrebačka banka and Privredna banka Zagreb. Interest rates are somewhat higher at Hrvatska poštanska banka, while they are highest at Erste banka and Splitska banka. Having drawn up repayment plans of all the loans compared, the conclusion that student loans are most advantageous at Zagrebačka banka and Privredna banka Zagreb has been confirmed. However, when deciding on which bank to take a loan at, one must take into account the specifics of his or her credit application. |
