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Title:BANČNO KREDITIRANJE FIZIČNIH OSEB V SLOVENIJI
Authors:Pirc, Anja (Author)
Taškar Beloglavec, Sabina (Mentor) More about this mentor... New window
Files:.pdf VS_Pirc_Anja_2015.pdf (1,13 MB)
MD5: F8A79A60982AEAABA8168B501A66372F
 
Language:Slovenian
Work type:Undergraduate thesis (m5)
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:V Sloveniji imajo fizične osebe, ki želijo kredit najeti v bankah pestro ponudbo, tako glede bank, kot tudi glede kreditov. Zaradi konkurenčnega boja, ki poteka med bankami v Sloveniji, so za kreditojemalce oblikovale različne vrste kreditov, s skupnim ciljem, da se kreditojemalcem čim bolj približajo pri zadovoljevanju njihovih potreb. Banke tako ponujajo kredite po ugodnih obrestnih merah, za različne namene porabe, po različni odplačilni dobi kredita in ostalih posebnih pogojih, ki ločijo banke med sabo in na koncu tudi vplivajo, pri kateri banki bo kreditojemalec najel kredit ter morebiti postal njihov dolgoletni komitent. Kljub prilagajanju bodočim kreditojemalcem, pa banke pri kreditiranju upoštevajo bančne pogoje oziroma pravila in pri tem ne odstopajo od svojih temeljnih pravil, kot so ustrezna kreditna sposobnost, primerno zavarovanje kredita in korektno poslovanje kreditojemalca. Upoštevanje bančnih pravil, banki zagotavljajo večjo verjetnost, da bodo od kreditojemalca dobile kredit povrnjen v točno določenem času, skupaj z obrestmi vred. K izpolnjevanju bančnih pravil jih zavezuje tudi slovenska zakonodaja in Banka Slovenije, kot nadzorni organ bank. Za banke so najpomembnejši stanovanjski krediti, za katere smo opravili tudi podrobno raziskavo in analizo. Upoštevali smo naslednje kriterije: vrsta in višina obrestne mere, ročnost kreditov, oblike zavarovanja kreditov ter EOM. Spoznali smo, kakšen je postopek odobritve stanovanjskega kredita v NLB. Postopek odobritve kredita se v banki vedno začne s prejetjem vloge za odobritev kredita, s strani kreditojemalca. Sledi izračun kreditne sposobnosti kreditojemalca, informativnega izračuna kredita, preverjanjem njegovega preteklega poslavanja z banko in vpogled v informacijski sistem Sisbon. Če ni odstopanj od bančnih pogojev, banka pripravi pogodbe in druge dokumente, ki jih mora kreditojemalec podpisati pred črpanjem kredita, kar je tudi zadnji korak v postopku odobritve kredita.
Keywords:Ključne besede: kredit, kreditiranje fizičnih oseb, bančna kreditna pravila, vrste kreditov, slovenski bančni sistem.
Year of publishing:2015
Publisher:[A. Pirc]
Source:Maribor
UDC:336.77
COBISS_ID:12087836 New window
NUK URN:URN:SI:UM:DK:5KRTHPUN
Views:1444
Downloads:369
Metadata:XML RDF-CHPDL DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:BANK LENDING TO NATURAL PERSONS IN SLOVENIA
Abstract:In Slovenia a natural person who wants to raise a loan at a bank has wide selection to choose from various banks as well as the loans. Because of the economic competition between banks in Slovenia different types of loans were prepared for the debtors. The mutual goal of those loans was to get closer to the debtor with the aim to satisfy their needs. Banks offer loans at favorable rates, for different types of consumption purposes, under different repayment terms as well as other special conditions which differ banks one from another and nevertheless influence the decision of the debtor where to raise a credit and in order to become their long-time client. Despite adjustments to the future debtors, banks are obliged to consider terms and rules of the bank in the matter of lending. They do not disrespect their ground rules like adequate loan eligibility, suitable loan assurance and appropriate commerce behavior of the debtor. If those rules are respected, a bank can be surer of a chance that the loan will be returned in certain time including corresponding interests. To perform those rules, banks are pledged to Slovenian legislation and Bank of Slovenia as the supervisory body. For banks the housing loans are of the highest importance. We performed a detailed research and analysis on their example. The criteria were respected: type and interest rate, loan duration, types of the loan insurances and effective interest rate. The housing loan at the NLB d.d. has been performed with the purpose to show the procedure of the loan approval which always starts with the receipt of the debtor's loan application form Vloga za odobritev kredita. This step is followed by calculation of the debtor's loan eligibility, followed by informative loan calculation, debtor's past relationship to the bank and insight into the information system Sisbon. If there are no deviations from the conditions and terms of a bank, the correspondent bank prepares contracts and other documents which need to be signed before the consummation of the loan, which is actually the last step in the procedure of loan approval.
Keywords:loan, natural person lending, rules for loan approval, types of loans, Slovenian Banking system.


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