{"id":28,"date":"2026-03-29T21:26:58","date_gmt":"2026-03-29T21:26:58","guid":{"rendered":"https:\/\/stambenikredit.hr\/protostar\/?page_id=28"},"modified":"2026-04-11T10:55:30","modified_gmt":"2026-04-11T10:55:30","slug":"usporedba-banaka","status":"publish","type":"page","link":"https:\/\/stambenikredit.hr\/protostar\/?page_id=28","title":{"rendered":"Usporedba banaka"},"content":{"rendered":"\n<div class=\"sk-banke-page\">\n\n  <!-- Hero -->\n  <div class=\"sk-banke-hero\">\n    <div class=\"sk-banke-hero-inner\">\n      <div class=\"sk-banke-hero-badge\">A&#382;urirano travanj 2026.<\/div>\n      <h1 class=\"sk-banke-hero-title\">Usporedba stambenih kredita &#8212; travanj 2026.<\/h1>\n      <p class=\"sk-banke-hero-sub\">A&#382;urirana usporedba kamatnih stopa vode&#263;ih hrvatskih banaka<\/p>\n    <\/div>\n  <\/div>\n\n  <!-- Filter gumbi -->\n  <div class=\"sk-banke-filters-wrap\">\n    <div class=\"sk-banke-filters\">\n      <button class=\"sk-filter-btn active\" data-filter=\"all\">Sve<\/button>\n      <button class=\"sk-filter-btn\" data-filter=\"fiksna-bez\">Fiksna &#8212; BEZ osiguranja<\/button>\n      <button class=\"sk-filter-btn\" data-filter=\"fiksna-sa\">Fiksna &#8212; SA osiguranjem<\/button>\n      <button class=\"sk-filter-btn\" data-filter=\"kombinirana\">Kombinirana<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"sk-banke-sections-wrap\">\n\n    <!-- SEKCIJA 1: Fiksna BEZ osiguranja -->\n    <div class=\"sk-banke-section\" data-section=\"fiksna-bez\">\n      <div class=\"sk-banke-table-section\">\n        <div class=\"sk-banke-section-header\">\n          <div class=\"sk-banke-section-icon sk-section-icon-plain\">I.<\/div>\n          <div>\n            <div class=\"sk-banke-section-title\">Fiksna kamatna stopa &#8212; BEZ osiguranja otplate<\/div>\n            <div class=\"sk-banke-section-desc\">Samo obavezna polica osiguranja nekretnine od po&#382;ara. Ni&#382;i po&#269;etni tro&#353;ak.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"sk-banke-table-wrap\">\n          <table class=\"sk-banke-table\">\n            <thead>\n              <tr>\n                <th>Banka<\/th>\n                <th>Kamata<\/th>\n                <th>EKS<\/th>\n                <th>Status<\/th>\n                <th>Napomena<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody>\n              <tr>\n                <td class=\"sk-banka-name\">PBZ<\/td>\n                <td class=\"sk-rate\">od 2,98%<\/td>\n                <td>od 3,12%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n                <td><span class=\"sk-badge sk-badge-gold\">Akcija do 30.4.<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">RBA<\/td>\n                <td class=\"sk-rate\">3,00%<\/td>\n                <td>3,15%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">3,20%<\/td>\n                <td>3,34%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">RBA<\/td>\n                <td class=\"sk-rate\">3,20%<\/td>\n                <td>3,35%<\/td>\n                <td><span class=\"sk-status-muted\">Ostali klijenti<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">ZABA<\/td>\n                <td class=\"sk-rate\">3,29%<\/td>\n                <td>3,61%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n                <td><span class=\"sk-badge sk-badge-gold\">Akcija do 30.4.<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">3,50%<\/td>\n                <td>3,61%<\/td>\n                <td><span class=\"sk-status-muted\">Bez statusa<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">OTP Banka<\/td>\n                <td class=\"sk-rate\">3,39%<\/td>\n                <td>3,48%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n                <td><span class=\"sk-badge sk-badge-green\">Najpovoljniji EKS<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">3,49%<\/td>\n                <td>3,59%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n                <td><span class=\"sk-badge sk-badge-gold\">Akcija do 15.5.<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">3,99%<\/td>\n                <td>4,11%<\/td>\n                <td><span class=\"sk-status-muted\">Ostali<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- SEKCIJA 2: Fiksna SA osiguranjem -->\n    <div class=\"sk-banke-section\" data-section=\"fiksna-sa\">\n      <div class=\"sk-banke-table-section\">\n        <div class=\"sk-banke-section-header\">\n          <div class=\"sk-banke-section-icon sk-section-icon-plain\">II.<\/div>\n          <div>\n            <div class=\"sk-banke-section-title\">Fiksna kamatna stopa &#8212; SA osiguranjem otplate<\/div>\n            <div class=\"sk-banke-section-desc\">Uz policu osiguranja otplate (smrt, bolest, otkaz). Ni&#382;a kamata, ali jednokratni tro&#353;ak 4-5% iznosa kredita.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"sk-banke-table-wrap\">\n          <table class=\"sk-banke-table\">\n            <thead>\n              <tr>\n                <th>Banka<\/th>\n                <th>Kamata<\/th>\n                <th>EKS<\/th>\n                <th>Status<\/th>\n                <th>Napomena<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">2,90%<\/td>\n                <td>3,52%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">OTP Banka<\/td>\n                <td class=\"sk-rate\">3,19%<\/td>\n                <td>3,78%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n                <td>Uz &#382;ivotno osiguranje<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">3,29%<\/td>\n                <td>3,77%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n                <td><span class=\"sk-badge sk-badge-gold\">Akcija do 15.5.<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">3,20%<\/td>\n                <td>3,78%<\/td>\n                <td><span class=\"sk-status-muted\">Bez statusa<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">3,79%<\/td>\n                <td>4,30%<\/td>\n                <td><span class=\"sk-status-muted\">Ostali<\/span><\/td>\n                <td>&#8212;<\/td>\n              <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- SEKCIJA 3: Kombinirana BEZ osiguranja -->\n    <div class=\"sk-banke-section\" data-section=\"kombinirana-bez\">\n      <div class=\"sk-banke-table-section\">\n        <div class=\"sk-banke-section-header\">\n          <div class=\"sk-banke-section-icon sk-section-icon-plain\">III.<\/div>\n          <div>\n            <div class=\"sk-banke-section-title\">Kombinirana &#8212; BEZ osiguranja otplate<\/div>\n            <div class=\"sk-banke-section-desc\">Fiksna stopa prvih N godina, zatim varijabilna vezana uz EURIBOR + mar&#382;a banke.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"sk-banke-table-wrap\">\n          <table class=\"sk-banke-table\">\n            <thead>\n              <tr>\n                <th>Banka<\/th>\n                <th>Fiksna stopa<\/th>\n                <th>Fiksni period<\/th>\n                <th>Varijabilna (nakon)<\/th>\n                <th>EKS<\/th>\n                <th>Status<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody>\n              <tr>\n                <td class=\"sk-banka-name\">RBA<\/td>\n                <td class=\"sk-rate\">2,50%<\/td>\n                <td>5 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + tr&#382;i&#353;na<\/td>\n                <td>3,29%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">ZABA<\/td>\n                <td class=\"sk-rate\">2,79%<\/td>\n                <td>7 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + 0,64%<\/td>\n                <td>3,10%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span> <span class=\"sk-badge sk-badge-gold\">Akcija do 30.4.<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">2,80%<\/td>\n                <td>5 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + 1,00%<\/td>\n                <td>3,42%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">OTP Banka<\/td>\n                <td class=\"sk-rate\">2,89%<\/td>\n                <td>5 god.<\/td>\n                <td class=\"sk-rate-var\">3M EUR + 1,75%<\/td>\n                <td>3,56%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">2,85%<\/td>\n                <td>7 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + 0,82%<\/td>\n                <td>3,21%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n              <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- SEKCIJA 4: Kombinirana SA osiguranjem -->\n    <div class=\"sk-banke-section\" data-section=\"kombinirana-sa\">\n      <div class=\"sk-banke-table-section\">\n        <div class=\"sk-banke-section-header\">\n          <div class=\"sk-banke-section-icon sk-section-icon-plain\">IV.<\/div>\n          <div>\n            <div class=\"sk-banke-section-title\">Kombinirana &#8212; SA osiguranjem otplate<\/div>\n            <div class=\"sk-banke-section-desc\">Fiksna stopa uz policu osiguranja otplate. Najni&#382;e nominalne stope, ali uklju&#269;i tro&#353;ak police u usporedbu.<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"sk-banke-table-wrap\">\n          <table class=\"sk-banke-table\">\n            <thead>\n              <tr>\n                <th>Banka<\/th>\n                <th>Fiksna stopa<\/th>\n                <th>Fiksni period<\/th>\n                <th>Varijabilna (nakon)<\/th>\n                <th>EKS<\/th>\n                <th>Status<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody>\n              <tr>\n                <td class=\"sk-banka-name\">Erste<\/td>\n                <td class=\"sk-rate\">2,50%<\/td>\n                <td>5 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + 0,70%<\/td>\n                <td>3,60%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">HPB<\/td>\n                <td class=\"sk-rate\">2,65%<\/td>\n                <td>7 god.<\/td>\n                <td class=\"sk-rate-var\">6M EUR + 0,62%<\/td>\n                <td>3,38%<\/td>\n                <td><span class=\"sk-badge sk-badge-blue\">Klijent banke*<\/span><\/td>\n              <\/tr>\n              <tr>\n                <td class=\"sk-banka-name\">OTP Banka<\/td>\n                <td class=\"sk-rate\">2,69%<\/td>\n                <td>5 god.<\/td>\n                <td class=\"sk-rate-var\">3M EUR + 1,75%<\/td>\n                <td>3,97%<\/td>\n                <td><span class=\"sk-status-neutral\">Bez uvjeta<\/span><\/td>\n              <\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div><!-- \/sk-banke-sections-wrap -->\n\n  <!-- Va&#382;ne napomene -->\n  <div class=\"sk-banke-notes-wrap\">\n    <div class=\"sk-banke-notes\">\n      <div class=\"sk-banke-notes-title\">Va&#382;ne napomene<\/div>\n      <ul class=\"sk-banke-notes-list\">\n        <li><strong>* Klijent banke<\/strong> = prebacivanje pla&#263;e na ra&#269;un u toj banci kao uvjet za povla&#353;tenu stopu.<\/li>\n        <li><strong>Osiguranje otplate kredita<\/strong> = polica koja pokriva smrt, bolest ili otkaz. Tro&#353;ak je tipi&#269;no 4-5% iznosa kredita jednokratno (za 100.000 EUR kredit = 4.000-5.000 EUR). Uvijek usporedite <strong>EKS<\/strong>, ne samo nominalnu stopu.<\/li>\n        <li><strong>Polica osiguranja nekretnine<\/strong> od po&#382;ara je OBAVEZNA kod svih banaka i nije uklju&#269;ena u pojam &#8222;osiguranje otplate kredita&#8220;.<\/li>\n        <li>Kamate su preuzete iz slu&#382;benih dokumenata banaka va&#382;e&#263;ih za travanj 2026. Podlo&#382;ne su promjenama.<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <!-- Napomena i CTA -->\n  <div class=\"sk-banke-disclaimer\">\n    <p>Kamatne stope su informativne i podlo&#382;ne promjenama. Zadnje a&#382;uriranje: travanj 2026. Uvijek provjerite aktualne uvjete direktno s bankom.<\/p>\n  <\/div>\n  <div class=\"sk-banke-cta\">\n    <a href=\"\/protostar\/?page_id=36\" class=\"sk-banke-cta-btn\">Kontaktirajte uredni&#353;tvo &#8594;<\/a>\n  <\/div>\n\n<\/div>\n\n<script>\n(function(){\n  var btns = document.querySelectorAll('.sk-filter-btn');\n  btns.forEach(function(btn){\n    btn.addEventListener('click', function(){\n      btns.forEach(function(b){b.classList.remove('active');});\n      this.classList.add('active');\n      var f = this.getAttribute('data-filter');\n      document.querySelectorAll('.sk-banke-section').forEach(function(sec){\n        var s = sec.getAttribute('data-section');\n        if(f==='all'){\n          sec.style.display='';\n        } else if(f==='kombinirana'){\n          sec.style.display=(s==='kombinirana-bez'||s==='kombinirana-sa')?'':'none';\n        } else {\n          sec.style.display=(s===f)?'':'none';\n        }\n      });\n    });\n  });\n})();\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>A&#382;urirano travanj 2026. Usporedba stambenih kredita &#8212; travanj 2026. A&#382;urirana usporedba kamatnih stopa vode&#263;ih hrvatskih banaka Sve Fiksna &#8212; BEZ osiguranja Fiksna &#8212; SA osiguranjem Kombinirana I. Fiksna kamatna stopa &#8212; BEZ osiguranja otplate Samo obavezna polica osiguranja nekretnine od po&#382;ara. Ni&#382;i po&#269;etni tro&#353;ak. Banka Kamata EKS Status Napomena PBZ od 2,98% od 3,12% Bez&#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-28","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":"A&#382;urirano travanj 2026. Usporedba stambenih kredita &#8212; travanj 2026. A&#382;urirana usporedba kamatnih stopa vode&#263;ih hrvatskih banaka Sve Fiksna &#8212; BEZ osiguranja Fiksna &#8212; SA osiguranjem Kombinirana I. Fiksna kamatna stopa &#8212; BEZ osiguranja otplate Samo obavezna polica osiguranja nekretnine od po&#382;ara. Ni&#382;i po&#269;etni tro&#353;ak. Banka Kamata EKS Status Napomena PBZ od 2,98% od 3,12% Bez...","_links":{"self":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/28","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=28"}],"version-history":[{"count":3,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/28\/revisions"}],"predecessor-version":[{"id":48,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/pages\/28\/revisions\/48"}],"wp:attachment":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}