{"id":16,"date":"2026-03-29T18:48:41","date_gmt":"2026-03-29T18:48:41","guid":{"rendered":"https:\/\/stambenikredit.hr\/protostar\/?p=16"},"modified":"2026-03-29T18:48:41","modified_gmt":"2026-03-29T18:48:41","slug":"refinanciranje-stambenog-kredita-kad-se-isplati-i-kako-to-napraviti","status":"publish","type":"post","link":"https:\/\/stambenikredit.hr\/protostar\/?p=16","title":{"rendered":"Refinanciranje stambenog kredita: Kad se isplati i kako to napraviti?"},"content":{"rendered":"<p>Refinanciranje stambenog kredita &#8211; prenosenje kredita u drugu banku ili renegocijacija uvjeta &#8211; moze donijeti znacajne utede, ali nije uvijek isplativo. Evo kako procijeniti je li refinanciranje prava odluka za vas.<\/p>\n<h2>Kad se refinanciranje isplati?<\/h2>\n<p>Opce pravilo jest da refinanciranje ima smisla ako mozete sniziti kamatnu stopu za najmanje 0,5 postotnih bodova i ako imate jos vise od 10 godina do kraja otplate. Troskovi refinanciranja (notarski troskovi, naknade, procjena nekretnine) obicno iznose 1.000 do 3.000 EUR.<\/p>\n<h2>Kako izracunati utede?<\/h2>\n<p>Koristite nas kalkulator refinanciranja. Unesite aktualni saldo kredita, preostali rok i trenutnu stopu. Kalkulator ce automatski izracunati potencijalne utede u razlicitim scenarijima.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kad se isplati prenijeti stambeni kredit u drugu banku? Objasnjamo uvjete refinanciranja i kako izracunati potencijalne utede.<\/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":[6],"tags":[],"class_list":["post-16","post","type-post","status-publish","format-standard","hentry","category-analiza"],"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":"Kad se isplati prenijeti stambeni kredit u drugu banku? Objasnjamo uvjete refinanciranja i kako izracunati potencijalne utede.","_links":{"self":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/16","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=16"}],"version-history":[{"count":0,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=\/wp\/v2\/posts\/16\/revisions"}],"wp:attachment":[{"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stambenikredit.hr\/protostar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}