{"id":14,"date":"2026-03-29T18:48:40","date_gmt":"2026-03-29T18:48:40","guid":{"rendered":"https:\/\/stambenikredit.hr\/protostar\/?p=14"},"modified":"2026-03-29T18:48:40","modified_gmt":"2026-03-29T18:48:40","slug":"sto-je-eks-i-zasto-je-vaziniji-od-kamatne-stope","status":"publish","type":"post","link":"https:\/\/stambenikredit.hr\/protostar\/?p=14","title":{"rendered":"Sto je EKS i zasto je vaziniji od kamatne stope?"},"content":{"rendered":"<p>Efektivna kamatna stopa (EKS) je jedan od najvaznijih pokazatelja pri odabiru stambenog kredita, a mnogi ga posuditelji zanemaruju fokusirajuci se samo na nominalnu kamatnu stopu. Razjasnimo razliku.<\/p>\n<h2>Nominalna vs. Efektivna kamatna stopa<\/h2>\n<p>Nominalna kamatna stopa je bazicna stopa koja se primjenjuje na iznos kredita. EKS, s druge strane, ukljucuje sve troskove kredita: kamatu, naknadu za obradu zahtjeva, troskove osiguranja, notarske troskove i sve ostale naknade.<\/p>\n<h2>Primjer iz prakse<\/h2>\n<p>Kredit s nominalnom stopom 3,2% moze imati EKS od 4,1% zbog visokih naknada. Kredit s nominalnom stopom 3,5% i niskim naknadama moze imati EKS od 3,7% &#8211; sto ga cini povoljnijim izborom.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EKS (efektivna kamatna stopa) pokazuje pravi troskak kredita. Objasnjemo zasto uvijek trebate usporedivati EKS, a ne samo nominalnu stopu.<\/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":[5],"tags":[],"class_list":["post-14","post","type-post","status-publish","format-standard","hentry","category-kamate"],"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":"EKS (efektivna kamatna stopa) pokazuje pravi troskak kredita. Objasnjemo zasto uvijek trebate usporedivati EKS, a ne samo nominalnu stopu.","_links":{"self":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/14","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=14"}],"version-history":[{"count":0,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/14\/revisions"}],"wp:attachment":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}