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Title:Kreditni standardi za stanovanjske kredite in trg stanovanjskih nepremičnin v Sloveniji
Authors:Petek, Mojca (Author)
Dajčman, Silvo (Mentor) More about this mentor... New window
Files:.pdf MAG_Petek_Mojca_2018.pdf (936,89 KB)
 
Language:Slovenian
Work type:Master's thesis/paper (mb22)
Typology:2.09 - Master's Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Kredit že iz časov svojega nastanka pomeni zaupanje, ki ga kreditodajalec čuti do dolžniške strani. Pri uspešni odobritvi kreditnega procesa pride do kreditnega razmerja, ki omogoča nastanek sredstev na strani kreditojemalca za namensko porabo. To se običajno sklene za nakup večjih oz. sorazmerno velikih dobrin, ki jih v običajni- vsakodnevni porabi ne nakupujemo. Eden tovrstnih, običajno precej dobro načrtovanih, nakupov znotraj življenjskega cikla je tudi nakup stanovanjske nepremičnine. Kreditna sposobnost posameznika in kreditni standardi sta pojma, ki sta pogosto zelo ozko povezana s nakupom stanovanjske nepremičnine. Posamezniku je namreč velikokrat kredit edina opcija za nakup stanovanjske nepremičnine, kjer pa se pot do pridobitve le-tega začne s preučevanjem kreditne bonitete (ocena sposobnosti plačila dolga), zavarovanjem kredita ter navsezadnje kreditnih standardov, ki so opredeljeni kot merila za odobritev kredita v banki ter so določeni pred dejanskimi pogajanji o določilih, pogojih kredita oz. dejansko odobritvijo oz. zavrnitvijo kredita. Namen našega magistrskega dela je preučevanje povezave med stanovanjskim trgom in kreditnim trgom za financiranje nakupa stanovanjskih nepremičnin v Sloveniji v obdobju od 2007 do 2015, kjer ugotavljamo, da je spreminjanje standardov za pridobitev stanovanjskega kredita v preučevanem obdobju, povezano s spreminjanjem cen in prometa s stanovanjskimi nepremičninami v Sloveniji komaj na podlagi časovnega odloka za določen kvartal. Ker predpostavljamo, da so določeni dejavniki vplivali na kreditne standarde bolj kakor drugi, znotraj magistrske naloge tudi preučujemo, kako so dejavniki tekmovalnosti med bankami, stroški sredstev in bilančne omejitve, obeti na nepremičninskem trgu, kreditno razmerje, nebančna konkurenca, pripravljenost bank za sprejemanje tveganj in zlasti kreditna sposobnost kreditojemalcev ter splošna gospodarska dejavnost vplivali na spreminjanje kreditnih standardov bank za pridobitev stanovanjskih kreditov. S pomočjo empiričnega raziskovanja se za namene potrditve prve hipoteze osredotočimo na povezavo med dejavnikoma kreditna sposobnost posojilojemalcev in splošna gospodarska dejavnost z kreditnimi standardi in ugotavljamo določeno stopnjo povezanosti pri obeh dejavnikih. Splošno dejstvo težko popravljivega svetovnega finančnega in gospodarskega zloma, ki ga je za sabo pustila svetovna gospodarsko-finančna kriza z začetkom leta 2007/2008, pa je tudi pri kreditiranju posameznikov in kreditnih standardih pustila močne gospodarske posledice. Kreditni standardi so se v večini zaostrili, cene in promet z nepremičninami se je naglo spustil, okrevanje je bil počasen in ponekod zelo zapleten proces, ki se v letih po letu 2015 začel preobračati v proces počasnega okrevanja, ponovnega omiljenja kreditnih standardov, večje kreditne sposobnosti prebivalstva, rahlega dviga cen stanovanjskih nepremičnin in na koncu koncev tudi dviga življenjskega standarda in ponovno povišanih pričakovanj potrošnikov.
Keywords:kredit, kreditno razmerje, stanovanjski krediti, kreditni standardi, Anketa o bančnih posojilih, trg stanovanjskih nepremičnin, dejavniki kreditnih standardov, cene in promet stanovanjskih nepremičnin.
Year of publishing:2018
Publisher:[M. Petek]
Source:Maribor
UDC:336.77
COBISS_ID:13055004 Link is opened in a new window
License:CC BY-NC-ND 4.0
This work is available under this license: Creative Commons Attribution Non-Commercial No Derivatives 4.0 International
Views:202
Downloads:31
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Categories:EPF
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Secondary language

Language:English
Title:Credit standards for housing loans and the residential real estate market in Slovenia
Abstract:From the time of its creation, credit means the trust that the lender feels about the debt side. When a credit process is successfully approved, so called credit relationship is created, which gives a change to a borrower for dedicated spending. This is usually done for the purchase of relatively large goods, which we do not purchase in ordinary-day use. One of these purchases, usually quite well planned, within the life cycle, is also the purchase of a residential property. Individual creditworthiness and credit standards are concepts that are often very closely related to the purchase of a residential property. For many people, credit is often the only option for buying a residential property. The credit process often begins with a credit rating analysis (checking the ability to pay the debt), credit insurance and with credit standards, which are the internal guidelines or loan approval criteria of a bank and are established prior to the actual loan negotiation on the terms and conditions and the actual loan approval/rejection decision. The purpose of this master thesis is to study the connection between the housing market and the credit market for financing the purchase of residential real estate in Slovenia in the period from 2007 to 2015, where we have found out that the changing the standards for obtaining a housing loan during the studied period is related to changing prices and turnover with housing real estate in Slovenia barely on the basis of a time lapse for a certain quarter. Because we assume that the certain factors have influenced credit standards more than others, we also study within this thesis how factors of impact of bank competition, cost of funds and balance sheet constraints, creditworthiness of borrower, general economic activity, housing market prospects, non-bank competition, bank's risk tolerance have affected the changing banks' credit standards for the obtaining of housing loans. With the help of empirical research, for the purpose of confirming the first hypothesis, we focus how these two credit standards: creditworthiness of borrower and general economic are linked with credit standards. The general fact of the difficultly repayable global financial and economic collapse, left by the global economic and financial crisis, since the beginning of 2007/2008, has left strong economic consequences for lending to individuals and for changing in credit standards. The credit standards were mostly tightened, prices and real estate sales dropped sharply, the recovery was slow and very complicated process, which began to turn into a process of slow recovery in the years after 2015 with easing credit standards, increasing creditworthiness, slight increase in the prices of residential real estate and also raising the standard of living and consumer expectations.
Keywords:credit, credit ratio, housing loans, credit standards, Bank lending survey, residential real estate market, credit standards factors, prices and sales of residential real estate.


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