{"id":178305,"date":"2022-07-14T13:00:34","date_gmt":"2022-07-14T11:00:34","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=178305"},"modified":"2022-07-14T11:44:36","modified_gmt":"2022-07-14T09:44:36","slug":"sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/","title":{"rendered":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa"},"content":{"rendered":"

Pojedine banke u FBiH ovih dana su po\u010dele obavje\u0161tavati korisnike kredita da \u0107e do\u0107i do promjene kamata za kredite ugovorene s promjenjivom kamatnom stopom, a tu informaciju za Oslobo\u0111enje<\/strong><\/a> je potvrdio i prvi \u010dovjek Agencije za bankarstvo FBiH Jasmin Mahmuzi\u0107, kazav\u0161i da je u pitanju manji broj banaka. Mahmuzi\u0107 ka\u017ee da je to i ranije najavljeno i da je bilo o\u010dekivano.<\/p>\n

– Zbog posljedica de\u0161avanja u Evropi, svijetu, to polako dolazi i do nas i sve je to reakcija na vrlo visoku inflaciju u eurozoni i vode\u0107im svjetskim ekonomijama. Kao logi\u010dan makroekonomski odgovor je bilo pove\u0107anje referentnih kamatnih stopa. Jo\u0161 ranije smo najavili da \u0107e odre\u0111ene banke ve\u0107 u narednom periodu obavijestiti svoje klijente da \u0107e do\u0107i do pove\u0107anja kamatnih stopa u augustu i septembru i to ne\u0107e biti zna\u010dajno pove\u0107anje. Ono \u0107e se desiti, ali \u0107e otprilike biti na nivou od 0,3 do 0,9 posto i to ne\u0107e uraditi sve banke, isti\u010de Mahmuzi\u0107.<\/p>\n

Ako pogledamo otplatni plan, ka\u017ee na\u0161 sagovornik, to ne\u0107e imati zna\u010dajnijeg utjecaja iako je sada te\u0161ko o tome govoriti u kontekstu svih de\u0161avanja.<\/p>\n

– Neke od banaka \u0107e klijentima besplatno omogu\u0107iti da urade konverziju promjenjive kamatne stope u fiksnu, kao jedan od odgovora na sve ovo \u0161to se de\u0161ava. Vrlo je te\u0161ko prognozirati \u0161ta \u0107e se de\u0161avati u narednom periodu, ali ono \u0161to sa sigurno\u0161\u0107u mogu re\u0107i je da kamate ne\u0107e zna\u010dajno rasti do kraja godine, napominje.<\/p>\n

Mahmuzi\u0107 smatra da je cilj obuzdavanje inflacije, te da \u0107e se kamatne stope dizati onoliko koliko \u0107e biti dovoljno da se inflacija stavi pod kontrolu, jer \u201cpreveliko dizanje kamata u eurozoni u kratkom periodu mo\u017ee imati dodatno negativan utjecaj na privredni rast\u201d.<\/p>\n

Ina\u010de, pove\u0107anje kamata je poslovna politika svake banke. U ugovoru izme\u0111u klijenta i banke postavljena je mogu\u0107nost da se kamatna stopa mo\u017ee promijeniti u skladu s promjenom Euribora, a tamo gdje nije predvi\u0111ena mogu\u0107nost promjene, ona se ne mo\u017ee ni mijenjati.<\/p>\n

Iz Agencije za bankarstvo FBiH ka\u017eu da pove\u0107anje kamatnih stopa ne\u0107e sve klijente podjednako pogoditi, jer postoje porodice koja su primanjima do\u0161le sa zadu\u017eenjima na nivo gdje nova zadu\u017eenja ne mogu ni podnijeti i imaju dosta visoke tro\u0161kove, me\u0111utim, u kontekstu veoma visoke inflacije u BiH i pove\u0107anja cijena svih ostalih tro\u0161kova \u017eivota, vjerovatno \u0107e gra\u0111anima te\u0161ko pasti. Zbog toga pozivaju gra\u0111ane da, ukoliko primijete da banke rade bilo \u0161ta drugo mimo ugovorene obaveze, sve to prijave kako bi pravovremeno reagovali.<\/p>\n

 <\/p>\n

– Imamo ombudsmena za za\u0161titu potro\u0161a\u010da, \u010dija je obaveza da reaguje u takvim slu\u010dajevima, zato molimo gra\u0111ane da pa\u017eljivo pro\u010ditaju ugovor koji su potpisali s bankom koja se mora dr\u017eati ugovorenih obaveza, a samim tim i klijenti, upozoravaju iz Agencije.<\/p>\n

Admir \u010cavali\u0107, ekonomski analiti\u010dar, u izjavi za Oslobo\u0111enje ka\u017ee da iako se o\u010dekivao rast kamatnih stopa, razumijevaju\u0107i da ih je FED pove\u0107ao, kao i Evropska centralna banka i one \u0161irom svijeta, kao jednu od mjera kontrainflacije, ipak smatra da je ovo jedan \u0161ok, blago iznena\u0111enje.<\/p>\n

– O\u010dekivalo se da \u0107e najesen ili do kraja godine do\u0107i do rasta kamatnih stopa, a posebno za korisnike s promjenjivom kamatnom stopom. Me\u0111utim, moramo razumjeti da je rast kamata, barem na globalnom nivou, jedna od mjera. Dakle, ukoliko bude vi\u0161e tro\u0161kova po osnovu novih kamatnih stopa, pretpostavka je da \u0107e se oni kompenzirati s ni\u017eim tro\u0161kovima \u017eivota, odnosno smanjivanjem ili spu\u0161tanjem stope inflacije. Nadati se da \u0107e se to i desiti, jer ukoliko se to ne poka\u017ee kao uspje\u0161na mjera, onda \u0107e korisnici kredita imati probleme, napominje \u010cavali\u0107.<\/p>\n

Rast kamatnih stopa, ka\u017ee \u010cavali\u0107, mo\u017ee dovesti i do usporavanja doma\u0107e privrede, gdje prije svega misli na pravna lica, odnosno manju motiviranost da se di\u017eu krediti i da se ulazi u odre\u0111ene poduzetni\u010dke projekte.<\/p>\n

– Vidjet \u0107emo \u0161ta \u0107e se desiti do kraja godine. Bilo bi dobro da je ovo jedan po\u010detni, minimalni val rasta kamata i da se na tome i zadr\u017ei, da ne ide dalje. Ne vidim razlog za izuzetnu zabrinutost. Mislim da se ovo ne mo\u017ee vezati za odre\u0111ene afere tipa \u0160vicarac i sli\u010dno. Iskreno se nadam da \u0107e inflacija popustiti. Tako\u0111er, korisnik \u0107e mo\u017eda pla\u0107ati po osnovu kamate nekih par desetina maraka vi\u0161e mjese\u010dno, a s druge strane, toliko \u0107e u\u0161tedjeti shodno manjim tro\u0161kovima \u017eivota, zaklju\u010duje \u010cavali\u0107.<\/p>\n

Pove\u0107anje kamatnih stopa u pojedinim bankama je, prema rije\u010dima Berislava Kutle, direktora Udru\u017eenja banaka BiH, bilo i o\u010dekivano, ali navodi da najprije treba vidjeti \u0161ta je uzrok, a \u0161ta posljedica pove\u0107anja.<\/p>\n

– Kamatne stope su posljedica, a ne uzrok, jer uzrok inflacije je tzv. stagflacija, zatim rat u Ukrajini, kao i pove\u0107ana potra\u017enja nakon Covida. Stagflacija zna\u010di da u posljednjih 15 godina Evropska centralna banka izdaje novac bez pokri\u0107a koji je morao dovesti do inflacije, a onda i do pove\u0107anja kamata, iako se ne o\u010dekuje da one u ovoj godini budu velike, ne zato \u0161to to ne bi trebale biti, nego \u0161to to jednostavno nije mogu\u0107e napraviti u kratkom periodu. Kroz du\u017ei period putem kamatnih stopa probat \u0107e se sni\u017eavati inflacija, poja\u0161njava Kutle.<\/p>\n

U ovoj godini, smatra Kutle, realno je o\u010dekivati kod klijenata koji imaju promjenjivu kamatnu stopu, gdje je Euribor uklju\u010den s minusom, da \u0107e za nekih 0,25 do 0,5 posto odre\u0111ene banke mijenjati kamatu, a njih je prema njegovim rije\u010dima tri do \u010detiri. Govori da je i potra\u017enja za kreditima toliko mala da je nemogu\u0107e o\u010dekivati da \u0107e uz ve\u0107u kamatnu stopu potra\u017enja za kreditima biti ve\u0107a. Upozorava da svaki klijent u svom ugovoru detaljno pro\u010dita kako se obra\u010dunava kamata.<\/p>\n

– Ako je dio kamatne stope koji je promjenljiv bio stavljen s minusom, onda banka taj minus ima pravo ispravljati. Va\u017eno je da nijedna banka ne bi trebala bilo \u0161ta mijenjati ako ugovorom nije regulirano. Ne zaboravimo jednu stvar gdje non-stop pla\u0107amo pove\u0107anje kamatnih stopa na kredite, a ljudi koji imaju depozite, koji su taj novac zaradili i o\u010dekuju da isti imaju vrijednost, na taj depozit nemaju kamate, \u0161to zna\u010di da pola ljudi \u010deka pove\u0107anje kamata, dok se druga polovina boji, a to je realnost \u017eivota u kojem \u017eivimo, ka\u017ee Kutle i dodaje da \u0107e se puno vi\u0161e na standard gra\u0111ana odraziti inflacija nego pove\u0107anje kamata koje je, prema njegovom mi\u0161ljenju, minorno.<\/p>\n

Kada je u pitanju potra\u017enja za kreditima, ka\u017ee da je u ovoj godini dva posto ve\u0107a u odnosu na pro\u0161lu.<\/p>\n

– To je izuzetno malo i o\u010dito je da je i privreda, uvjetno re\u010deno, povukla ru\u010dnu iz brojnih razloga. Gra\u0111anstvo radi samo ono \u0161to mora, a to su potro\u0161a\u010dki krediti, zaklju\u010duje Kutle.<\/p>\n

Emir Jildizlar, menad\u017eer korporativnih komunikacija u Addiko banci u Sarajevu, govori da pomenuta banka ve\u0107 du\u017ei period u ponudi ima kredite za fizi\u010dka lica isklju\u010divo s fiksnom kamatnom stopom. Ne\u0107e pove\u0107avati kamate.<\/p>\n

– Ona je do kraja otplate nepromjenjiva i ne\u0107e do\u0107i do bilo kakve promjene. \u0160to se ti\u010de situacije na svjetskom, odnosno evropskom tr\u017ei\u0161tu, koja se uvijek reflektuje i na BiH, najave me\u0111unarodnih finansijskih stru\u010dnjaka i makroekonomista su da \u0107e u ovom mjesecu do\u0107i do promjene cijene kapitala, a ve\u0107 je negdje i do\u0161la, a da \u0107e do kraja godine biti jo\u0161 promjena koje \u0107e utjecati na visinu kamata, ka\u017ee Jildizlar.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pojedine banke u FBiH ovih dana su po\u010dele obavje\u0161tavati korisnike kredita da \u0107e do\u0107i do promjene kamata za kredite ugovorene s promjenjivom kamatnom stopom, a tu informaciju za Oslobo\u0111enje je potvrdio i prvi \u010dovjek Agencije za bankarstvo FBiH Jasmin Mahmuzi\u0107, kazav\u0161i da je u pitanju manji broj banaka. Mahmuzi\u0107 ka\u017ee da je to i ranije […]<\/p>\n","protected":false},"author":2,"featured_media":71724,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,304],"tags":[4241,5090],"class_list":["post-178305","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bosna-i-hercegovina","category-istaknuto","tag-agencija-za-bankarstvo","tag-kamata"],"yoast_head":"\n\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa<\/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:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa\" \/>\n<meta property=\"og:description\" content=\"Pojedine banke u FBiH ovih dana su po\u010dele obavje\u0161tavati korisnike kredita da \u0107e do\u0107i do promjene kamata za kredite ugovorene s promjenjivom kamatnom stopom, a tu informaciju za Oslobo\u0111enje je potvrdio i prvi \u010dovjek Agencije za bankarstvo FBiH Jasmin Mahmuzi\u0107, kazav\u0161i da je u pitanju manji broj banaka. Mahmuzi\u0107 ka\u017ee da je to i ranije […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/\" \/>\n<meta property=\"og:site_name\" content=\"TuzlaInfo.ba\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/tuzlainfo.ba\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-14T11:00:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"513\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"nedim\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"nedim\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/\"},\"author\":{\"name\":\"nedim\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#\\\/schema\\\/person\\\/f434e20dc27ea133923aab08451b7f7f\"},\"headline\":\"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa\",\"datePublished\":\"2022-07-14T11:00:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/\"},\"wordCount\":1333,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/sadrzaj_2019_20190701_1607_porez.jpg\",\"keywords\":[\"agencija za bankarstvo\",\"kamata\"],\"articleSection\":[\"Bosna i Hercegovina\",\"Istaknuto\"],\"inLanguage\":\"bs-BA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/\",\"url\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/\",\"name\":\"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/sadrzaj_2019_20190701_1607_porez.jpg\",\"datePublished\":\"2022-07-14T11:00:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#breadcrumb\"},\"inLanguage\":\"bs-BA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"bs-BA\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/sadrzaj_2019_20190701_1607_porez.jpg\",\"contentUrl\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/sadrzaj_2019_20190701_1607_porez.jpg\",\"width\":770,\"height\":513,\"caption\":\"1607 porez\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/index.php\\\/bosna-i-hercegovina\\\/item\\\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/tuzlainfo.ba\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#website\",\"url\":\"https:\\\/\\\/tuzlainfo.ba\\\/\",\"name\":\"TuzlaInfo.ba\",\"description\":\"Tuzla info, gradski informator - Tuzla na dlanu\",\"publisher\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/tuzlainfo.ba\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"bs-BA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#organization\",\"name\":\"TuzlaInfo.ba\",\"url\":\"https:\\\/\\\/tuzlainfo.ba\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"bs-BA\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-ver-3-1.png\",\"contentUrl\":\"https:\\\/\\\/tuzlainfo.ba\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/logo-ver-3-1.png\",\"width\":350,\"height\":95,\"caption\":\"TuzlaInfo.ba\"},\"image\":{\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/tuzlainfo.ba\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/tuzlainfo.ba\\\/#\\\/schema\\\/person\\\/f434e20dc27ea133923aab08451b7f7f\",\"name\":\"nedim\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"bs-BA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g\",\"caption\":\"nedim\"},\"description\":\"Tuzlainfo.ba pratite na dru\u0161tvenim mre\u017eama: Facebook, Instagram i Youtube. Svoje pri\u010de, upite i fotografije \u0161aljite na na\u0161u e-mail adresu.\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/","og_locale":"bs_BA","og_type":"article","og_title":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa","og_description":"Pojedine banke u FBiH ovih dana su po\u010dele obavje\u0161tavati korisnike kredita da \u0107e do\u0107i do promjene kamata za kredite ugovorene s promjenjivom kamatnom stopom, a tu informaciju za Oslobo\u0111enje je potvrdio i prvi \u010dovjek Agencije za bankarstvo FBiH Jasmin Mahmuzi\u0107, kazav\u0161i da je u pitanju manji broj banaka. Mahmuzi\u0107 ka\u017ee da je to i ranije […]","og_url":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/","og_site_name":"TuzlaInfo.ba","article_publisher":"https:\/\/www.facebook.com\/tuzlainfo.ba\/","article_published_time":"2022-07-14T11:00:34+00:00","og_image":[{"width":770,"height":513,"url":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg","type":"image\/jpeg"}],"author":"nedim","twitter_card":"summary_large_image","twitter_misc":{"Written by":"nedim","Est. reading time":"7 minuta"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#article","isPartOf":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/"},"author":{"name":"nedim","@id":"https:\/\/tuzlainfo.ba\/#\/schema\/person\/f434e20dc27ea133923aab08451b7f7f"},"headline":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa","datePublished":"2022-07-14T11:00:34+00:00","mainEntityOfPage":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/"},"wordCount":1333,"commentCount":0,"publisher":{"@id":"https:\/\/tuzlainfo.ba\/#organization"},"image":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#primaryimage"},"thumbnailUrl":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg","keywords":["agencija za bankarstvo","kamata"],"articleSection":["Bosna i Hercegovina","Istaknuto"],"inLanguage":"bs-BA"},{"@type":"WebPage","@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/","url":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/","name":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa","isPartOf":{"@id":"https:\/\/tuzlainfo.ba\/#website"},"primaryImageOfPage":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#primaryimage"},"image":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#primaryimage"},"thumbnailUrl":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg","datePublished":"2022-07-14T11:00:34+00:00","breadcrumb":{"@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#breadcrumb"},"inLanguage":"bs-BA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/"]}]},{"@type":"ImageObject","inLanguage":"bs-BA","@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#primaryimage","url":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg","contentUrl":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg","width":770,"height":513,"caption":"1607 porez"},{"@type":"BreadcrumbList","@id":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/178305-sta-kaze-struka-banke-pocele-obavjestavati-gradjane-o-povecanju-kamantnih-stopa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/tuzlainfo.ba\/"},{"@type":"ListItem","position":2,"name":"\u0160ta ka\u017ee struka: Banke po\u010dele obavje\u0161tavati gra\u0111ane o pove\u0107anju kamantnih stopa"}]},{"@type":"WebSite","@id":"https:\/\/tuzlainfo.ba\/#website","url":"https:\/\/tuzlainfo.ba\/","name":"TuzlaInfo.ba","description":"Tuzla info, gradski informator - Tuzla na dlanu","publisher":{"@id":"https:\/\/tuzlainfo.ba\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/tuzlainfo.ba\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"bs-BA"},{"@type":"Organization","@id":"https:\/\/tuzlainfo.ba\/#organization","name":"TuzlaInfo.ba","url":"https:\/\/tuzlainfo.ba\/","logo":{"@type":"ImageObject","inLanguage":"bs-BA","@id":"https:\/\/tuzlainfo.ba\/#\/schema\/logo\/image\/","url":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2021\/03\/logo-ver-3-1.png","contentUrl":"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2021\/03\/logo-ver-3-1.png","width":350,"height":95,"caption":"TuzlaInfo.ba"},"image":{"@id":"https:\/\/tuzlainfo.ba\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/tuzlainfo.ba\/"]},{"@type":"Person","@id":"https:\/\/tuzlainfo.ba\/#\/schema\/person\/f434e20dc27ea133923aab08451b7f7f","name":"nedim","image":{"@type":"ImageObject","inLanguage":"bs-BA","@id":"https:\/\/secure.gravatar.com\/avatar\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5b928a2e7e70a54208d2eb6c1edcb75a5350d6ae97d5f0a701203d456823f6f3?s=96&d=mm&r=g","caption":"nedim"},"description":"Tuzlainfo.ba pratite na dru\u0161tvenim mre\u017eama: Facebook, Instagram i Youtube. Svoje pri\u010de, upite i fotografije \u0161aljite na na\u0161u e-mail adresu."}]}},"_links":{"self":[{"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/posts\/178305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/comments?post=178305"}],"version-history":[{"count":0,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/posts\/178305\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/media\/71724"}],"wp:attachment":[{"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/media?parent=178305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/categories?post=178305"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tuzlainfo.ba\/index.php\/wp-json\/wp\/v2\/tags?post=178305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}