{"id":12,"date":"2026-03-29T18:47:45","date_gmt":"2026-03-29T18:47:45","guid":{"rendered":"https:\/\/stambenikredit.hr\/protostar\/?p=12"},"modified":"2026-03-29T18:47:45","modified_gmt":"2026-03-29T18:47:45","slug":"vodic-za-pocetnike-kako-dobiti-stambeni-kredit-u-7-koraka","status":"publish","type":"post","link":"https:\/\/stambenikredit.hr\/protostar\/?p=12","title":{"rendered":"Vodic za pocetnike: Kako dobiti stambeni kredit u 7 koraka"},"content":{"rendered":"<p>Uzimanje prvog stambenog kredita moze se ciniti slozenim procesom, ali uz pravu pripremu sve je puno jednostavnije. Ovaj vodic vas vodi korak po korak kroz cijeli proces.<\/p>\n<h2>Korak 1: Procijenite svoje financijsko stanje<\/h2>\n<p>Banka ce analizirati vase prihode, obveze i kreditnu povijest. Preporuka je da rata kredita ne prelazi 30-35% neto primanja. Provjerite svoju kreditnu sposobnost unaprijed.<\/p>\n<h2>Korak 2: Odredite iznos kredita<\/h2>\n<p>Banke obicno financiraju do 80% vrijednosti nekretnine. Za stan vrijedan 300.000 EUR trebat cete minimalno 60.000 EUR vlastite ustedjevine za ucesce.<\/p>\n<h2>Korak 3: Usporedite ponude<\/h2>\n<p>Nikad ne uzimajte prvu ponudu. Koristite nasu usporedbu banaka i obratite paznju na EKS, ne samo na nominalnu kamatnu stopu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kompletan vodic za sve koji po prvi puta uzimaju stambeni kredit &#8211; od procjene kreditne sposobnosti do potpisa ugovora.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":""},"categories":[7],"tags":[],"class_list":["post-12","post","type-post","status-publish","format-standard","hentry","category-vodic"],"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":"Kompletan vodic za sve koji po prvi puta uzimaju stambeni kredit - od procjene kreditne sposobnosti do potpisa ugovora.","_links":{"self":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"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=12"}],"version-history":[{"count":0,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/12\/revisions"}],"wp:attachment":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}