SD Dojavi
OSMRTNICE
PRETPLATA
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Povratak klijenata na dopušteno prekoračenje još nije masovan, a rokovi koje su banke dale za tu migraciju različiti su: dok u nekim bankama istječu do kraja ovog mjeseca, u drugima klijenti to mogu učiniti do kraja lipnja, piše u četvrtak Večernji list.

No neće proći bezbolno. Još uvijek se saniraju, i izgledno je da će potrajati, posljedice bankarskih masovnih prelazaka na prešutna prekoračenja, koja su ispod radara javnosti i regulatora prošla nakon što je u prosincu 2017. Hrvatska narodna banka primijenila Odluku o efektivnoj kamatnoj stopi i u izračun efektivne kamatne stope (EKS-a) na dopušteno prekoračenje uključila naknadu za vođenje računa, imajući u vidu relativno nisku ročnost od 12 mjeseci na koju se takav proizvod ugovara te ograničenje cijene gornjom granicom efektivne kamatne stope.

Bankama je to poskupilo "proizvod" pa su redom ukinule dopuštena prekoračenja i našle zakonsku rupu – prešutna, koja nisu pod ingerencijom HNB-ovih pravila o rezervacijama i ograničenju kamate.

Kad su razotkrivene, više od godinu dana pregovarale su s državom o ponovnom vraćanju u zonu legalnosti čiji je rezultat bilo potpisivanje Memoranduma o razumijevanju u vezi prekoračenja po tekućem računu prema kojem su do 30. lipnja 2023. potrošačima morale poslati ponude za prelazak na dopušteno prekoračenje, a dotad se na prešutna primjenjuje ograničenje EKS-a na isti način kao na dopušteno.

Taj je proces trenutačno u tijeku. No s obzirom na to da su banke u međuvremenu proteklih godina, od 2017., mamile klijente na povećanja skupih prešutnih prekoračenja čiji su limiti nabujali ili su im povećavali te limite bez potpisivanja suglasnosti, nakon primjene pravila o dopuštenim prekoračenjima – slijedi smanjenje.

Kako bi formalno ispunili zahtjeve regulatora i uvjete iz Memoranduma, u startu će klijentima mahom ponuditi iste uvjete: limite i kamate kao što su ih imali u prešutnom obliku, no nakon pola godine morat će otplatiti iznos koji premašuje ograničenja koja se vežu uz visinu plaća, piše novinarka Večernjeg lista Valentina Wiesner.

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Pripremite se na ovo za pola godine... 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Povratak klijenata na dopušteno prekoračenje još nije masovan, a rokovi koje su banke dale za tu migraciju različiti su: dok u nekim bankama istječu do kraja ovog mjeseca, u drugima klijenti to mogu učiniti do kraja lipnja, piše u četvrtak Večernji list.

No neće proći bezbolno. Još uvijek se saniraju, i izgledno je da će potrajati, posljedice bankarskih masovnih prelazaka na prešutna prekoračenja, koja su ispod radara javnosti i regulatora prošla nakon što je u prosincu 2017. Hrvatska narodna banka primijenila Odluku o efektivnoj kamatnoj stopi i u izračun efektivne kamatne stope (EKS-a) na dopušteno prekoračenje uključila naknadu za vođenje računa, imajući u vidu relativno nisku ročnost od 12 mjeseci na koju se takav proizvod ugovara te ograničenje cijene gornjom granicom efektivne kamatne stope.

Bankama je to poskupilo "proizvod" pa su redom ukinule dopuštena prekoračenja i našle zakonsku rupu – prešutna, koja nisu pod ingerencijom HNB-ovih pravila o rezervacijama i ograničenju kamate.

Kad su razotkrivene, više od godinu dana pregovarale su s državom o ponovnom vraćanju u zonu legalnosti čiji je rezultat bilo potpisivanje Memoranduma o razumijevanju u vezi prekoračenja po tekućem računu prema kojem su do 30. lipnja 2023. potrošačima morale poslati ponude za prelazak na dopušteno prekoračenje, a dotad se na prešutna primjenjuje ograničenje EKS-a na isti način kao na dopušteno.

Taj je proces trenutačno u tijeku. No s obzirom na to da su banke u međuvremenu proteklih godina, od 2017., mamile klijente na povećanja skupih prešutnih prekoračenja čiji su limiti nabujali ili su im povećavali te limite bez potpisivanja suglasnosti, nakon primjene pravila o dopuštenim prekoračenjima – slijedi smanjenje.

Kako bi formalno ispunili zahtjeve regulatora i uvjete iz Memoranduma, u startu će klijentima mahom ponuditi iste uvjete: limite i kamate kao što su ih imali u prešutnom obliku, no nakon pola godine morat će otplatiti iznos koji premašuje ograničenja koja se vežu uz visinu plaća, piše novinarka Večernjeg lista Valentina Wiesner.

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StoryEditorOCM
Hrvatskaživot u minusu

Prešutno prekoračenje u banci ‘pretvorili‘ ste u dopušteno i sad ste mirni? Pripremite se na ovo za pola godine...

Piše Hina
22. veljače 2024. - 10:39
26183322
Ilustracija/Shutterstock

Povratak klijenata na dopušteno prekoračenje još nije masovan, a rokovi koje su banke dale za tu migraciju različiti su: dok u nekim bankama istječu do kraja ovog mjeseca, u drugima klijenti to mogu učiniti do kraja lipnja, piše u četvrtak Večernji list.

No neće proći bezbolno. Još uvijek se saniraju, i izgledno je da će potrajati, posljedice bankarskih masovnih prelazaka na prešutna prekoračenja, koja su ispod radara javnosti i regulatora prošla nakon što je u prosincu 2017. Hrvatska narodna banka primijenila Odluku o efektivnoj kamatnoj stopi i u izračun efektivne kamatne stope (EKS-a) na dopušteno prekoračenje uključila naknadu za vođenje računa, imajući u vidu relativno nisku ročnost od 12 mjeseci na koju se takav proizvod ugovara te ograničenje cijene gornjom granicom efektivne kamatne stope.

Bankama je to poskupilo "proizvod" pa su redom ukinule dopuštena prekoračenja i našle zakonsku rupu – prešutna, koja nisu pod ingerencijom HNB-ovih pravila o rezervacijama i ograničenju kamate.

Kad su razotkrivene, više od godinu dana pregovarale su s državom o ponovnom vraćanju u zonu legalnosti čiji je rezultat bilo potpisivanje Memoranduma o razumijevanju u vezi prekoračenja po tekućem računu prema kojem su do 30. lipnja 2023. potrošačima morale poslati ponude za prelazak na dopušteno prekoračenje, a dotad se na prešutna primjenjuje ograničenje EKS-a na isti način kao na dopušteno.

Taj je proces trenutačno u tijeku. No s obzirom na to da su banke u međuvremenu proteklih godina, od 2017., mamile klijente na povećanja skupih prešutnih prekoračenja čiji su limiti nabujali ili su im povećavali te limite bez potpisivanja suglasnosti, nakon primjene pravila o dopuštenim prekoračenjima – slijedi smanjenje.

Kako bi formalno ispunili zahtjeve regulatora i uvjete iz Memoranduma, u startu će klijentima mahom ponuditi iste uvjete: limite i kamate kao što su ih imali u prešutnom obliku, no nakon pola godine morat će otplatiti iznos koji premašuje ograničenja koja se vežu uz visinu plaća, piše novinarka Večernjeg lista Valentina Wiesner.

#MINUSI#PREŠUTNA PREKORAČENJA#DOPUŠTENA PREKORAČENJA#BANKE
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11. svibanj 2024 19:05