{"id":27,"date":"2026-03-29T21:26:58","date_gmt":"2026-03-29T21:26:58","guid":{"rendered":"https:\/\/stambenikredit.hr\/protostar\/?page_id=27"},"modified":"2026-04-23T19:19:20","modified_gmt":"2026-04-23T19:19:20","slug":"kreditna-sposobnost","status":"publish","type":"page","link":"https:\/\/stambenikredit.hr\/protostar\/?page_id=27","title":{"rendered":"Kreditna sposobnost"},"content":{"rendered":"\n<div class=\"sk-ks-page\">\n\n  <!-- Hero -->\n  <div class=\"sk-ks-hero\">\n    <div class=\"sk-ks-hero-inner\">\n      <p class=\"sk-ks-hero-eyebrow\">Besplatni alat<\/p>\n      <h1 class=\"sk-ks-hero-title\">Kalkulator kreditne sposobnosti<\/h1>\n      <p class=\"sk-ks-hero-sub\">Izra&#269;un prema Ovr&#353;nom zakonu RH<\/p>\n    <\/div>\n  <\/div>\n\n  <!-- Kalkulator wrap -->\n  <div class=\"sk-ks-wrap\">\n    <div class=\"sk-ks-inner\">\n\n      <!-- INPUTS -->\n      <div class=\"sk-ks-form\">\n\n        <!-- Neto pla\u0107a -->\n        <div class=\"sk-ks-field\">\n          <div class=\"sk-ks-label-row\">\n            <label for=\"ks-placa\">Neto pla&#263;a<\/label>\n            <div class=\"sk-ks-input-wrap\">\n              <input type=\"number\" id=\"ks-placa\" value=\"1800\" min=\"500\" max=\"10000\" step=\"50\">\n              <span class=\"sk-ks-unit\">EUR\/mj<\/span>\n            <\/div>\n          <\/div>\n          <input type=\"range\" id=\"ks-placa-range\" min=\"500\" max=\"6000\" step=\"50\" value=\"1800\" class=\"sk-ks-slider\">\n          <div class=\"sk-ks-slider-labels\"><span>500 EUR<\/span><span>6.000 EUR<\/span><\/div>\n        <\/div>\n\n        <!-- Vrsta kamatne stope -->\n        <div class=\"sk-ks-field\">\n          <label>Vrsta kamatne stope<\/label>\n          <div class=\"sk-ks-toggle\">\n            <button class=\"sk-ks-toggle-btn active\" id=\"ks-btn-fiksna\" onclick=\"ksSetStopa('fiksna')\">Fiksna<\/button>\n            <button class=\"sk-ks-toggle-btn\" id=\"ks-btn-promjenjiva\" onclick=\"ksSetStopa('promjenjiva')\">Kombinirana<\/button>\n          <\/div>\n        <\/div>\n\n        <!-- Kamatna stopa -->\n        <div class=\"sk-ks-field\">\n          <div class=\"sk-ks-label-row\">\n            <label for=\"ks-kamata\">Kamatna stopa<\/label>\n            <div class=\"sk-ks-input-wrap\">\n              <input type=\"number\" id=\"ks-kamata\" value=\"3.00\" min=\"1\" max=\"10\" step=\"0.01\">\n              <span class=\"sk-ks-unit\">%<\/span>\n            <\/div>\n          <\/div>\n          <input type=\"range\" id=\"ks-kamata-range\" min=\"1\" max=\"10\" step=\"0.01\" value=\"3.00\" class=\"sk-ks-slider\">\n          <div class=\"sk-ks-slider-labels\"><span>1%<\/span><span>10%<\/span><\/div>\n        <\/div>\n\n        <!-- Rok otplate -->\n        <div class=\"sk-ks-field\">\n          <div class=\"sk-ks-label-row\">\n            <label for=\"ks-rok\">Rok otplate<\/label>\n            <div class=\"sk-ks-input-wrap\">\n              <input type=\"number\" id=\"ks-rok\" value=\"25\" min=\"5\" max=\"30\" step=\"1\">\n              <span class=\"sk-ks-unit\">god<\/span>\n            <\/div>\n          <\/div>\n          <input type=\"range\" id=\"ks-rok-range\" min=\"5\" max=\"30\" step=\"1\" value=\"25\" class=\"sk-ks-slider\">\n          <div class=\"sk-ks-slider-labels\"><span>5 god<\/span><span>30 god<\/span><\/div>\n        <\/div>\n\n        <!-- Ostale obveze -->\n        <div class=\"sk-ks-field\">\n          <div class=\"sk-ks-label-row\">\n            <label for=\"ks-obveze\">Ostale kreditne obveze<\/label>\n            <div class=\"sk-ks-input-wrap\">\n              <input type=\"number\" id=\"ks-obveze\" value=\"0\" min=\"0\" max=\"5000\" step=\"10\">\n              <span class=\"sk-ks-unit\">EUR\/mj<\/span>\n            <\/div>\n          <\/div>\n          <p class=\"sk-ks-hint\">Rate postoje&#263;ih kredita, leasinga, kreditnih kartica<\/p>\n        <\/div>\n\n        <button class=\"sk-ks-btn\" onclick=\"ksCalc()\">Izra&#269;unaj kreditnu sposobnost<\/button>\n      <\/div>\n\n      <!-- REZULTATI -->\n      <div class=\"sk-ks-results\" id=\"ks-results\" style=\"display:none\">\n\n        <!-- Status banner -->\n        <div class=\"sk-ks-status\" id=\"ks-status\"><\/div>\n\n        <!-- 2 kartice -->\n        <div class=\"sk-ks-cards sk-ks-cards-2\">\n          <div class=\"sk-ks-card\">\n            <div class=\"sk-ks-card-label\">Maksimalni anuitet<\/div>\n            <div class=\"sk-ks-card-value\" id=\"ks-r-anuitet\">\u2014<\/div>\n            <div class=\"sk-ks-card-sub\">koliko mo&#382;e&#353; pla&#263;ati mjese&#269;no<\/div>\n          <\/div>\n          <div class=\"sk-ks-card sk-ks-card-primary\">\n            <div class=\"sk-ks-card-label\">Maksimalni iznos kredita<\/div>\n            <div class=\"sk-ks-card-value\" id=\"ks-r-iznos\">\u2014<\/div>\n            <div class=\"sk-ks-card-sub\">koliko mo&#382;e&#353; posuditi<\/div>\n          <\/div>\n        <\/div>\n\n        <!-- Razrada -->\n        <div class=\"sk-ks-breakdown\">\n          <div class=\"sk-ks-breakdown-title\">Razrada izra&#269;una<\/div>\n          <div class=\"sk-ks-breakdown-row\"><span>Neto pla&#263;a<\/span><strong id=\"ks-b-placa\">\u2014<\/strong><\/div>\n          <div class=\"sk-ks-breakdown-row\"><span>Ostale kreditne obveze<\/span><strong id=\"ks-b-obveze\">\u2014<\/strong><\/div>\n          <div class=\"sk-ks-breakdown-row sk-ks-breakdown-total\"><span>Maksimalni anuitet za novi kredit<\/span><strong id=\"ks-b-anuitet\">\u2014<\/strong><\/div>\n          <div class=\"sk-ks-breakdown-row\" id=\"ks-b-kikr-row\" style=\"display:none\"><span>Anuitet korigiran za KIKR (&#247; 1,02)<\/span><strong id=\"ks-b-kikr\">\u2014<\/strong><\/div>\n        <\/div>\n\n        <!-- Disclaimer -->\n        <p class=\"sk-ks-disclaimer\">\n          Izra&#269;un je informativan i temeljen na Ovr&#353;nom zakonu RH. Svaka banka ima vlastite kriterije procjene kreditne sposobnosti koji mogu biti stro&#382;i ili bla&#382;i od zakonskog minimuma. Za to&#269;an izra&#269;un obratite se odabranoj banci.\n        <\/p>\n\n        <div style=\"text-align:center;margin-top:24px\">\n          <a href=\"\/?page_id=26\" class=\"sk-ks-link-btn\">Izra&#269;unaj anuitet &#8594;<\/a>\n          <a href=\"\/?page_id=36\" class=\"sk-ks-link-btn sk-ks-link-btn-gold\">Kontaktirajte nas &#8594;<\/a>\n        <\/div>\n\n        <!-- SEKCIJA: Izra\u010dunaj ratu -->\n        <div class=\"sk-ks-rata\" id=\"ks-rata\">\n          <div class=\"sk-ks-rata-header\">\n            <h2 class=\"sk-ks-rata-title\">Izra&#269;unaj anuitet za &#382;eljeni iznos stambenog kredita<\/h2>\n          <\/div>\n          <div class=\"sk-ks-rata-body\">\n            <div class=\"sk-ks-rata-inputs\">\n              <div class=\"sk-ks-rata-field\">\n                <label for=\"ks-rata-iznos\">Iznos kredita<\/label>\n                <div class=\"sk-ks-input-wrap\">\n                  <input type=\"number\" id=\"ks-rata-iznos\" value=\"200000\" min=\"10000\" max=\"700000\" step=\"1000\">\n                  <span class=\"sk-ks-unit\">EUR<\/span>\n                <\/div>\n                <input type=\"range\" id=\"ks-rata-iznos-r\" class=\"sk-ks-slider\" min=\"10000\" max=\"700000\" step=\"1000\" value=\"200000\">\n                <div class=\"sk-ks-slider-labels\"><span>10.000 EUR<\/span><span>700.000 EUR<\/span><\/div>\n              <\/div>\n              <div class=\"sk-ks-rata-field\">\n                <label for=\"ks-rata-kamata\">Kamatna stopa<\/label>\n                <div class=\"sk-ks-input-wrap\">\n                  <input type=\"number\" id=\"ks-rata-kamata\" value=\"3.00\" min=\"1\" max=\"10\" step=\"0.01\">\n                  <span class=\"sk-ks-unit\">%<\/span>\n                <\/div>\n                <input type=\"range\" id=\"ks-rata-kamata-r\" class=\"sk-ks-slider\" min=\"1\" max=\"10\" step=\"0.01\" value=\"3.00\">\n                <div class=\"sk-ks-slider-labels\"><span>1%<\/span><span>10%<\/span><\/div>\n              <\/div>\n              <div class=\"sk-ks-rata-field\">\n                <label for=\"ks-rata-rok\">Rok otplate<\/label>\n                <div class=\"sk-ks-input-wrap\">\n                  <input type=\"number\" id=\"ks-rata-rok\" value=\"25\" min=\"5\" max=\"30\" step=\"1\">\n                  <span class=\"sk-ks-unit\">god<\/span>\n                <\/div>\n                <input type=\"range\" id=\"ks-rata-rok-r\" class=\"sk-ks-slider\" min=\"5\" max=\"30\" step=\"1\" value=\"25\">\n                <div class=\"sk-ks-slider-labels\"><span>5 god<\/span><span>30 god<\/span><\/div>\n              <\/div>\n            <\/div>\n            <div class=\"sk-ks-rata-warning\" id=\"ks-rata-warning\" style=\"display:none\">\n              &#9888; Uneseni iznos prelazi va&#353;u kreditnu sposobnost\n            <\/div>\n            <div class=\"sk-ks-cards sk-ks-cards-3\">\n              <div class=\"sk-ks-card sk-ks-card-primary\">\n                <div class=\"sk-ks-card-label\">Mjese&#269;ni anuitet<\/div>\n                <div class=\"sk-ks-card-value\" id=\"ks-rata-r-rata\">&#8212;<\/div>\n                <div class=\"sk-ks-card-sub\">EUR \/ mjese&#269;no<\/div>\n              <\/div>\n              <div class=\"sk-ks-card\">\n                <div class=\"sk-ks-card-label\">Ukupno kamata<\/div>\n                <div class=\"sk-ks-card-value\" id=\"ks-rata-r-kamata\">&#8212;<\/div>\n                <div class=\"sk-ks-card-sub\">tro&#353;ak financiranja<\/div>\n              <\/div>\n              <div class=\"sk-ks-card\">\n                <div class=\"sk-ks-card-label\">Ukupno za otplatu<\/div>\n                <div class=\"sk-ks-card-value\" id=\"ks-rata-r-ukupno\">&#8212;<\/div>\n                <div class=\"sk-ks-card-sub\">iznos + kamata<\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script>\n(function(){\n  \/\/ Sync sliders \u2194 inputs\n  function syncPair(inputId, rangeId) {\n    var inp = document.getElementById(inputId);\n    var rng = document.getElementById(rangeId);\n    if (!inp || !rng) return;\n    inp.addEventListener('input', function(){ rng.value = this.value; ksCalcLive(); });\n    rng.addEventListener('input', function(){ inp.value = this.value; ksCalcLive(); });\n  }\n  syncPair('ks-placa',  'ks-placa-range');\n  syncPair('ks-kamata', 'ks-kamata-range');\n  syncPair('ks-rok',    'ks-rok-range');\n  document.getElementById('ks-obveze').addEventListener('input', ksCalcLive);\n\n  var stopaType = 'fiksna';\n  window.ksSetStopa = function(t) {\n    stopaType = t;\n    document.getElementById('ks-btn-fiksna').classList.toggle('active', t === 'fiksna');\n    document.getElementById('ks-btn-promjenjiva').classList.toggle('active', t === 'promjenjiva');\n    ksCalcLive();\n  };\n\n  var fmt = function(v){ return v.toLocaleString('hr-HR', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' EUR'; };\n  var fmtN = function(v){ return v.toLocaleString('hr-HR', {minimumFractionDigits:2, maximumFractionDigits:2}) + ' EUR'; };\n\n  var lastMaxKredit = 0;\n\n  function getVal(id){ return parseFloat(document.getElementById(id).value) || 0; }\n\n  function calc() {\n    var placa  = getVal('ks-placa');\n    var kamata = getVal('ks-kamata') \/ 100;\n    var rok    = Math.round(getVal('ks-rok'));\n    var obveze = getVal('ks-obveze');\n    \/\/ Korak 1: max anuitet bruto\n    \/\/ \u22641.276: 22% | 1.276\u20131.807,71: pla\u0107a - 994.24 | >1.807,71: 45%\n    var max_bruto;\n    if (placa <= 1276) {\n      max_bruto = placa * 0.22;\n    } else if (placa <= 1807.71) {\n      max_bruto = placa - 994.24;\n    } else {\n      max_bruto = placa * 0.45;\n    }\n\n    \/\/ Korak 2: oduzmi postoje\u0107e obveze\n    var max_neto = max_bruto - obveze;\n    if (max_neto < 0) max_neto = 0;\n\n    \/\/ Korak 3: KIKR korekcija (samo promjenjiva)\n    var anuitet_racun = (stopaType === 'promjenjiva')\n      ? max_neto \/ 1.02\n      : max_neto;\n\n    \/\/ Korak 4: PV = A \u00d7 ((1-(1+r)^-n) \/ r)\n    var r = kamata \/ 12;\n    var n = rok * 12;\n    var max_kredit = (r === 0)\n      ? anuitet_racun * n\n      : anuitet_racun * ((1 - Math.pow(1 + r, -n)) \/ r);\n\n    var dovoljna = placa >= 799.24 && max_neto > 0 && max_kredit > 0;\n\n    return {\n      placa, kamata, rok, obveze,\n      max_bruto, max_neto,\n      anuitet_racun, max_kredit,\n      dovoljna, stopaType\n    };\n  }\n\n  function renderResults(c) {\n    document.getElementById('ks-results').style.display = 'block';\n\n    \/\/ Status banner\n    var status = document.getElementById('ks-status');\n    if (c.dovoljna) {\n      status.className = 'sk-ks-status sk-ks-status-ok';\n      status.textContent = '\u2713 KREDITNA SPOSOBNOST DOVOLJNA';\n    } else {\n      status.className = 'sk-ks-status sk-ks-status-err';\n      status.textContent = '\u2717 KREDITNA SPOSOBNOST NIJE DOVOLJNA';\n    }\n\n    \/\/ Kartice\n    document.getElementById('ks-r-anuitet').textContent = fmt(c.max_neto);\n    document.getElementById('ks-r-iznos').textContent   = fmt(Math.max(0, c.max_kredit));\n\n    \/\/ Razrada\n    document.getElementById('ks-b-placa').textContent   = fmt(c.placa);\n    document.getElementById('ks-b-obveze').textContent  = fmt(c.obveze);\n    document.getElementById('ks-b-anuitet').textContent = fmt(c.max_neto);\n\n    var kikrRow = document.getElementById('ks-b-kikr-row');\n    if (c.stopaType === 'promjenjiva') {\n      kikrRow.style.display = '';\n      document.getElementById('ks-b-kikr').textContent = fmt(c.anuitet_racun);\n    } else {\n      kikrRow.style.display = 'none';\n    }\n\n    \/\/ Rata sekcija \u2014 popuni inpute (samo prvi put ili kad se max_kredit promijeni)\n    lastMaxKredit = Math.max(0, c.max_kredit);\n    var rataIznos = document.getElementById('ks-rata-iznos');\n    var rataKamata = document.getElementById('ks-rata-kamata');\n    var rataRok = document.getElementById('ks-rata-rok');\n    if (rataIznos && !rataIznos.dataset.userEdited) {\n      rataIznos.value = Math.round(lastMaxKredit);\n      var ri = document.getElementById('ks-rata-iznos-r');\n      if (ri) ri.value = Math.min(700000, Math.max(10000, Math.round(lastMaxKredit)));\n    }\n    if (rataKamata && !rataKamata.dataset.userEdited) {\n      rataKamata.value = (c.kamata * 100).toFixed(2);\n      var rk = document.getElementById('ks-rata-kamata-r');\n      if (rk) rk.value = (c.kamata * 100).toFixed(2);\n    }\n    if (rataRok && !rataRok.dataset.userEdited) {\n      rataRok.value = c.rok;\n      var rr = document.getElementById('ks-rata-rok-r');\n      if (rr) rr.value = c.rok;\n    }\n    ksRataCalc();\n  }\n\n  function ksRataCalc() {\n    var iznos   = parseFloat(document.getElementById('ks-rata-iznos').value)  || 0;\n    var kamata  = parseFloat(document.getElementById('ks-rata-kamata').value) || 0;\n    var rok     = Math.round(parseFloat(document.getElementById('ks-rata-rok').value) || 25);\n    var r = kamata \/ 100 \/ 12;\n    var n = rok * 12;\n    var rata = (r === 0) ? iznos \/ n : iznos * (r * Math.pow(1+r, n)) \/ (Math.pow(1+r, n) - 1);\n    var ukupno  = rata * n;\n    var kamate  = ukupno - iznos;\n\n    document.getElementById('ks-rata-r-rata').textContent   = fmtN(rata);\n    document.getElementById('ks-rata-r-kamata').textContent = fmtN(Math.max(0, kamate));\n    document.getElementById('ks-rata-r-ukupno').textContent = fmtN(Math.max(0, ukupno));\n\n    \/\/ Upozorenje ako iznos > max\n    var warn = document.getElementById('ks-rata-warning');\n    if (warn) warn.style.display = (iznos > lastMaxKredit && lastMaxKredit > 0) ? 'block' : 'none';\n  }\n  window.ksRataCalc = ksRataCalc;\n\n  \/\/ Sync rata sliders \u2194 inputs (uz userEdited flag)\n  [['ks-rata-iznos','ks-rata-iznos-r'],['ks-rata-kamata','ks-rata-kamata-r'],['ks-rata-rok','ks-rata-rok-r']].forEach(function(p) {\n    var inp = document.getElementById(p[0]);\n    var rng = document.getElementById(p[1]);\n    if (!inp) return;\n    inp.addEventListener('input', function() {\n      this.dataset.userEdited = '1';\n      if (rng) rng.value = this.value;\n      ksRataCalc();\n    });\n    if (rng) rng.addEventListener('input', function() {\n      inp.value = this.value;\n      inp.dataset.userEdited = '1';\n      ksRataCalc();\n    });\n  });\n\n  window.ksCalc = function() {\n    var c = calc();\n    renderResults(c);\n    document.getElementById('ks-results').scrollIntoView({behavior:'smooth', block:'start'});\n  };\n\n  function ksCalcLive() {\n    if (document.getElementById('ks-results').style.display !== 'none') {\n      renderResults(calc());\n    }\n  }\n  window.ksCalcLive = ksCalcLive;\n\n  \/\/ Inicijalni izra\u010dun\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', function(){ setTimeout(ksCalc, 100); });\n  } else {\n    setTimeout(ksCalc, 100);\n  }\n})();\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Besplatni alat Kalkulator kreditne sposobnosti Izra&#269;un prema Ovr&#353;nom zakonu RH Neto pla&#263;a EUR\/mj 500 EUR6.000 EUR Vrsta kamatne stope Fiksna Kombinirana Kamatna stopa % 1%10% Rok otplate god 5 god30 god Ostale kreditne obveze EUR\/mj Rate postoje&#263;ih kredita, leasinga, kreditnih kartica Izra&#269;unaj kreditnu sposobnost Maksimalni anuitet \u2014 koliko mo&#382;e&#353; pla&#263;ati mjese&#269;no Maksimalni iznos kredita \u2014&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-27","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"\u017deljko Morovi\u0107","author_link":"https:\/\/stambenikredit.hr\/protostar\/?author=1"},"uagb_comment_info":0,"uagb_excerpt":"Besplatni alat Kalkulator kreditne sposobnosti Izra&#269;un prema Ovr&#353;nom zakonu RH Neto pla&#263;a EUR\/mj 500 EUR6.000 EUR Vrsta kamatne stope Fiksna Kombinirana Kamatna stopa % 1%10% Rok otplate god 5 god30 god Ostale kreditne obveze EUR\/mj Rate postoje&#263;ih kredita, leasinga, kreditnih kartica Izra&#269;unaj kreditnu sposobnost Maksimalni anuitet \u2014 koliko mo&#382;e&#353; pla&#263;ati mjese&#269;no Maksimalni iznos kredita \u2014...","_links":{"self":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27"}],"version-history":[{"count":11,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/27\/revisions"}],"predecessor-version":[{"id":66,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/27\/revisions\/66"}],"wp:attachment":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}