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master's thesis
Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu
Zagreb: University of Zagreb, Faculty of Economics and Business, 2019. urn:nbn:hr:148:051901
Vahtarić, Iva
University of Zagreb
Faculty of Economics and Business

Institutional repository: REPEFZG

Cite this document

Vahtarić, I. (2019). Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu (Master's thesis). Zagreb: University of Zagreb, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:148:051901

Vahtarić, Iva. "Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2019. https://urn.nsk.hr/urn:nbn:hr:148:051901

Vahtarić, Iva. "Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2019. https://urn.nsk.hr/urn:nbn:hr:148:051901

Vahtarić, I. (2019). 'Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu', Master's thesis, University of Zagreb, Faculty of Economics and Business, accessed 27 December 2024, https://urn.nsk.hr/urn:nbn:hr:148:051901

Vahtarić I. Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu [Master's thesis]. Zagreb: University of Zagreb, Faculty of Economics and Business; 2019 [cited 2024 December 27] Available at: https://urn.nsk.hr/urn:nbn:hr:148:051901

I. Vahtarić, "Potencijal uvođenja obrnute hipoteke u Gradu Zagrebu", Master's thesis, University of Zagreb, Faculty of Economics and Business, Zagreb, 2019. Available at: https://urn.nsk.hr/urn:nbn:hr:148:051901

Metadata
TitlePotencijal uvođenja obrnute hipoteke u Gradu Zagrebu
Title (english)The Potential of Introducing a Reverse Mortgage in the City of Zagreb
AuthorIva Vahtarić
MentorJakša Krišto (mentor)
Committee memberBranka Tuškan (predsjednik povjerenstva)
Committee memberAna Ivanišević Hernaus (član povjerenstva)
GranterUniversity of Zagreb
Faculty of Economics and Business
Zagreb
Defense date and country2019-12-18, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Svrha rada je predstavljanje obrnute hipoteke kao financijski proizvod koji je namijenjen starijem stanovništvu, kojemu je potreban dodatan izvor prihoda za podmirenje osnovnih životnih potreba. Zbog vrlo niskih mirovina te visoke životne dobi starije osobe nisu u mogućnosti zadovoljiti stroge kreditne uvjete koje su postavile banke, što dovodi do problema financijske isključenosti starijih osoba koje bi potencijalno svoje probleme mogle riješiti zalaganjem nekretnine, te tako povećati svoje mjesečne prihode i biti financijski neovisni. Predmet rada je analiza osnovne ideje modela obrnute hipoteke i kako je nastala te prednosti, nedostaci i rizici kod primjene ovog modela financiranja. Detaljno će se razraditi model obrnute hipoteke na američkom hipotekarnom tržištu, hipotekarnom tržištu Velike Britanije i u ostalim odabranim zemljama. Rad će se baviti i problemom financijske isključenosti starije populacije, analizirati će financijski sustava Republike Hrvatske, ponuda kredita za umirovljenike, te uloga banaka i mirovinskoga sustava u Republici Hrvatskoj. Na kraju će se dati detaljna analiza Grada Zagreba kao potencijalnog tržišta za obrnutu hipoteku.
Abstract (english)
The purpose of the paper is to present a reverse mortgage as a financial product intended for the elderly, who need an additional source of income to meet basic living needs. Due to very low pensions and a high age, older people are unable to meet the strict credit requirements set by banks and that leading to financial exclusion issues for the elderly who could potentially solve their problems by pledging real estate, thereby increasing their monthly income and being financially independent . The subject of this paper is an analysis of the basic idea of a reverse mortgage model and how it originated, as well as its advantages, disadvantages and risks when applying this financing model. The reverse mortgage model in the US mortgage market, the UK mortgage market and other selected countries will be elaborated in detail. The paper will also deal with the problem of financial exclusion of the elderly population, will analyze the financial system of the Republic of Croatia, the provision of loans for retirees, and the role of banks and the pension system in the Republic of Croatia. Finally, a detailed analysis of the City of Zagreb as a potential market for a reverse mortgage will be provided.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:148:051901
Study programmeTitle: Business Economics; specializations in: Finance, Accounting, Marketing, Organization and management, Trade, Tourism, Analysis and Business planning, Business informatics
Course: Finance
Study programme type: university
Study level: graduate
Academic / professional title: diplomirani/a ekonomist/ekonomistica (diplomirani/a ekonomist/ekonomistica)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2019-12-18 08:20:22