{"id":43696,"date":"2026-07-23T09:27:40","date_gmt":"2026-07-23T07:27:40","guid":{"rendered":"https:\/\/connectingregion.com\/?p=43696"},"modified":"2026-07-23T09:48:48","modified_gmt":"2026-07-23T07:48:48","slug":"hrvatska-usvojila-nova-pravila-o-potrosackim-kreditima","status":"publish","type":"post","link":"https:\/\/connectingregion.com\/bs\/vijesti\/hrvatska-usvojila-nova-pravila-o-potrosackim-kreditima\/","title":{"rendered":"Hrvatska usvojila nova pravila o potro\u0161a\u010dkim kreditima"},"content":{"rendered":"\n<p class=\"has-drop-cap dropcapp2 wp-block-paragraph\">Hrvatska je usvojila novi Zakon o potro\u0161a\u010dkim kreditima, kojim se uvode stro\u017ea pravila kreditiranja i sna\u017enija za\u0161tita potro\u0161a\u010da, uz istovremeno uskla\u0111ivanje nacionalnog zakonodavstva s najnovijom Direktivom <a href=\"https:\/\/connectingregion.com\/bs\/tag\/eu\/\" data-type=\"post_tag\" data-id=\"3592\">Evropske unije <\/a>o potro\u0161a\u010dkim kreditima (CCD2). Vlasti su, me\u0111utim, naglasile da \u0107e jedan od najpopularnijih na\u010dina pla\u0107anja u zemlji \u2014 beskamatna kupovina na rate bankovnom karticom \u2014 ostati nepromijenjen, uprkos ra\u0161irenoj zabuni u javnosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Novi zakon, koji je usvojio Hrvatski sabor, pro\u0161iruje za\u0161titu potro\u0161a\u010da uvo\u0111enjem stro\u017eih procjena kreditne sposobnosti, transparentnijih pravila ogla\u0161avanja i jasnijih predugovornih informacija za korisnike kredita. Regulativa se pro\u0161iruje i na pojedine oblike finansiranja koji ranije nisu bili obuhva\u0107eni propisima o potro\u0161a\u010dkim kreditima, uklju\u010duju\u0107i odre\u0111ene beskamatne kreditne proizvode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nakon medijskih izvje\u0161taja da bi kupovina na rate debitnim i kreditnim karticama mogla biti ograni\u010dena, hrvatsko Ministarstvo finansija objavilo je poja\u0161njenje prema kojem \u0107e potro\u0161a\u010di i dalje mo\u0107i kupovati na rate na isti na\u010din kao i danas. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"td_block_wrap tdb_single_related tdi_1 td_with_ajax_pagination td-pb-border-top smallicon td_block_template_8 tdb-single-related-posts\"  data-td-block-uid=\"tdi_1\" >\n<style>\n.td_block_template_8.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            .td_block_template_8 .td-block-title {\r\n                font-size: 20px;\r\n                font-weight: 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class=\"td-image-wrap \" title=\"Sample post title 1\" ><span class=\"entry-thumb td-thumb-css \" style=\"background-image: url(https:\/\/connectingregion.com\/wp-content\/plugins\/td-composer\/legacy\/Newspaper\/assets\/images\/no-thumb\/td_696x0.png)\"><\/span><\/a><\/div>                    <\/div>\r\n                \r\n                <div class=\"td-module-meta-info\">\r\n                    \r\n                    <h3 class=\"entry-title td-module-title\"><a href=\"#\"  rel=\"bookmark\" title=\"Sample post title 1\">Sample post title 1<\/a><\/h3>\r\n                    \r\n                    <div class=\"td-editor-date\">\r\n                        \r\n                        <span class=\"td-author-date\">\r\n                                                        <span class=\"td-post-author-name\"><a href=\"#\">Author name<\/a> <span>-<\/span> <\/span>                            <span class=\"td-post-date\"><time class=\"entry-date updated td-module-date\" datetime=\"\" >23. July 2026.<\/time><\/span>                                                                                <\/span>\r\n                    <\/div>\r\n\r\n                    <div class=\"td-excerpt\">Sample post no 1 excerpt.<\/div>\r\n                    <div class=\"td-read-more\">\r\n                        <a href=\"#\">Read more<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        \r\n        <div class=\"tdb_module_related_sample td_module_wrap td-animation-stack\">\r\n            <div class=\"td-module-container td-category-pos-image\">\r\n                                    <div class=\"td-image-container\">\r\n                        <a href=\"https:\/\/connectingregion.com\/sl\/uncategorized\/\" class=\"td-post-category\" >Uncategorized<\/a>                        <div class=\"td-module-thumb\"><a href=\"#\"  rel=\"bookmark\" class=\"td-image-wrap \" title=\"Sample post title 2\" ><span class=\"entry-thumb td-thumb-css \" style=\"background-image: url(https:\/\/connectingregion.com\/wp-content\/plugins\/td-composer\/legacy\/Newspaper\/assets\/images\/no-thumb\/td_696x0.png)\"><\/span><\/a><\/div>                    <\/div>\r\n                \r\n                <div class=\"td-module-meta-info\">\r\n                    \r\n                    <h3 class=\"entry-title td-module-title\"><a href=\"#\"  rel=\"bookmark\" title=\"Sample post title 2\">Sample post title 2<\/a><\/h3>\r\n                    \r\n                    <div class=\"td-editor-date\">\r\n                        \r\n                        <span class=\"td-author-date\">\r\n                                                        <span class=\"td-post-author-name\"><a href=\"#\">Author name<\/a> <span>-<\/span> <\/span>                            <span class=\"td-post-date\"><time class=\"entry-date updated td-module-date\" datetime=\"\" >23. July 2026.<\/time><\/span>                                                                                <\/span>\r\n                    <\/div>\r\n\r\n                    <div class=\"td-excerpt\">Sample post no 2 excerpt.<\/div>\r\n                    <div class=\"td-read-more\">\r\n                        <a href=\"#\">Read more<\/a>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <\/div><\/div><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ministarstvo je dio izvje\u0161tavanja u javnosti ocijenilo neta\u010dnim i potvrdilo da zakon ne ukida niti ograni\u010dava postoje\u0107i model pla\u0107anja na rate koji nude banke.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reforma je dio \u0161ireg nastojanja EU da modernizira pravila potro\u0161a\u010dkog kreditiranja kao odgovor na ubrzani razvoj digitalnih finansija i usluga \u201ekupi sada, plati kasnije\u201c (BNPL). Evropski donosioci odluka \u017eele osigurati isti nivo za\u0161tite potro\u0161a\u010da bez obzira na na\u010din na koji finansiraju kupovinu, uz istovremeno smanjenje rizika od prekomjerne zadu\u017eenosti doma\u0107instava.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za potro\u0161a\u010de bi prakti\u010dan rezultat trebalo da bude ve\u0107a transparentnost prije uzimanja kredita i stro\u017ee provjere koje treba da osiguraju da su kreditne obaveze finansijski odr\u017eive. Istovremeno, hrvatske vlasti nagla\u0161avaju da \u0107e svakodnevne navike kupovine, uklju\u010duju\u0107i pla\u0107anje karticom u vi\u0161e beskamatnih rata, ostati dostupne i u okviru novog zakonskog sistema.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hrvatska je usvojila novi Zakon o potro\u0161a\u010dkim kreditima, kojim se uvode stro\u017ea pravila kreditiranja i sna\u017enija za\u0161tita potro\u0161a\u010da, uz istovremeno uskla\u0111ivanje nacionalnog zakonodavstva s najnovijom Direktivom Evropske unije o potro\u0161a\u010dkim kreditima (CCD2). Vlasti su, me\u0111utim, naglasile da \u0107e jedan od najpopularnijih na\u010dina pla\u0107anja u zemlji \u2014 beskamatna kupovina na rate bankovnom karticom \u2014 ostati nepromijenjen, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":43676,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3154,3149,3058],"tags":[3592,3599],"class_list":["post-43696","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finansije","category-hrvatska","category-vijesti","tag-eu","tag-zagreb"],"td_post_theme_settings":{"td_primary_cat":"3149","td_subtitle":"Zakon bi trebalo da stupi na snagu 20. novembra 2026. godine, dok \u0107e se pojedine odredbe primjenjivati kasnije, zavisno od vrste kreditora i finansijskog proizvoda"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hrvatska usvojila nova pravila o potro\u0161a\u010dkim kreditima - The Region<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/connectingregion.com\/bs\/vijesti\/hrvatska-usvojila-nova-pravila-o-potrosackim-kreditima\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hrvatska usvojila nova pravila o potro\u0161a\u010dkim kreditima - The Region\" \/>\n<meta property=\"og:description\" content=\"Hrvatska je usvojila novi Zakon o potro\u0161a\u010dkim kreditima, kojim se uvode stro\u017ea pravila kreditiranja i sna\u017enija za\u0161tita potro\u0161a\u010da, uz istovremeno uskla\u0111ivanje nacionalnog zakonodavstva s najnovijom Direktivom Evropske unije o potro\u0161a\u010dkim kreditima (CCD2). 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