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undergraduate thesis
OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU
Split: University of Split, 2023. urn:nbn:hr:228:320254
Kartelo, Magdalena
University of Split
University Department of Professional Studies
Department of Accounting and Finance

Institutional repository: Repository of University Department of Professional Studies

Cite this document

Kartelo, M. (2023). OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU (Undergraduate thesis). Split: University of Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:228:320254

Kartelo, Magdalena. "OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU." Undergraduate thesis, University of Split, 2023. https://urn.nsk.hr/urn:nbn:hr:228:320254

Kartelo, Magdalena. "OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU." Undergraduate thesis, University of Split, 2023. https://urn.nsk.hr/urn:nbn:hr:228:320254

Kartelo, M. (2023). 'OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU', Undergraduate thesis, University of Split, accessed 07 January 2025, https://urn.nsk.hr/urn:nbn:hr:228:320254

Kartelo M. OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU [Undergraduate thesis]. Split: University of Split; 2023 [cited 2025 January 07] Available at: https://urn.nsk.hr/urn:nbn:hr:228:320254

M. Kartelo, "OTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU", Undergraduate thesis, University of Split, Split, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:228:320254

Metadata
TitleOTPLATA DUGOROČNOG STAMBENOG KREDITA UZ HIPOTEKU
Title (english)REPAYMENT OF A LONG-TERM HOUSING LOAN WITH MORTGAGE
AuthorMagdalena Kartelo
MentorRenata Kožul Blaževski (mentor)
Committee memberPetra Jakaša (član povjerenstva)
Committee memberBranko Sorić (član povjerenstva)
GranterUniversity of Split
(University Department of Professional Studies)
(Department of Accounting and Finance)
Split
Defense date and country2023-04-25, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Stambeni krediti imaju važnu ulogu zbog osnovnih egzistencijalnih potreba u životu ljudi, te su najzastupljeniji oblici kredita. Stambeni krediti koriste se najčešće za kupnju, izgradnju, dogradnju ili uređivanje nekretnine. U ovom radu analizirana je otplata stambenog kredita uz hipoteku u dvije banke, OTP banci i Privrednoj banci Zagreb. U oba slučaja krediti se otplaćuju jednakim anuitetima uz složen i dekurzivan obračun kamata, pri čemu su iznosi kredita i rokovi otplate jednaki, a fiksne kamatne stope su različite. Za svaki kredit napravljen je otplatni plan i provedene su kontrole. Utvrđena je razlika u ukupnom iznosu kamata, te je pokazano da je ukupan iznos kamata veći za stambeni kredit u OTP banci.
Abstract (english)
Housing loans play an important role due to basic existential needs in people's lives, and they are the most common form of credit. Housing loans are most often used for the purchase, construction, extension or renovation of real estate. This final thesis analyzes the repayment of a housing loan with a mortgage in two banks, OTP and PBZ bank. In both cases loans are repaid by equal annuities and interests are compound and decursive, whereby the loan amounts and repayment terms are the same but fixed interest rates are different. For each loan, amortization schedule is compiled and its accuracy was controlled. The difference in the total amount of interest was determined, and it was shown that the total amount of interest is higher for the housing loan with mortgage in OTP bank.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:228:320254
Study programmeTitle: Accounting and Finances – professional - professional
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2023-04-25 10:30:35