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Thread: Banke u Crnoj Gori

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    Pravi li problem i ima li uticaja na podizanje stambenog kredita kod banke ako ste zirant za kredit koji nije stambeni...

  2. #3252
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    Zavisi od vise faktora
    Da li se uredno vraca
    Iznos tog kredita
    Kao i banka kod koje apaliciras za stambeni kredit...

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    Satelitski resiveri/Oprema
    [email protected]

  3. #3253
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    Najprije zavisi od toga koliki je primarni izvor zarade.

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    Zirant sam na sumu od 1/2 plate -50 e mjesecno jos dvije i po godine do otplate. Pricacu sa bankama.

  6. #3255
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    Ne bi trebalo da to pravi problem kad si zirant. Da si suduznik mozda i bi, ovako nema prepreka. Narocito ako se uredno otplacuje taj kredit po kojem si zirirao.
    Loše stvari dolaze u paketu, za dobre stvari treba vremena.

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    Lovcen banku ne preporucujem za kredit. Bio na razgovor kod njih za kredit stambeni, i ova tamo sto radi rekla kamata 4.5 ali kad se vrati kolega da odmora, mozda vam da i manju kamatu. Ja reko bolje da sacekam kolegu.
    Dodjem drugim put na razgovor, dosa kolega i kaze kamata 5%. Ja reko znaci to je to, nista manje? On kaze potpisi predugovor sa prodavcem i uradi procjenu nekretnine pa da pricamo. Ja ga poslusah vjerujuci da cu dobit manju kamatu. Predugovor 160e i procjenu srecom nisam placa zbog poznanstva, ali bila bi jos toliko.
    Ponesem mu to ali trt, cojek ne da ne spusta ispod 5%, nego mi sad daje preko 5.
    Nisam prihvatio.


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    Ima 13 banaka u CG, pa ako vec moras trazi ponudu i od drugih. Kredit je roba od koje imaju najvecu zaradu, pa im je u intetesu da ih pro/daju.

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    Sto se tice banaka to ti je ko na pjacu, prvo gledaj imas li koga tamo da radi da ti obezbijedi manju kamatu, a drugo ti je cenjkanje ides od banke do banke i cenjkaj natezi se i naravno kad ti banka ne ponudi dobre uslove obavezno im salji mejlove i zali se ...

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    Quote Originally Posted by Sale View Post
    Ima 13 banaka u CG, pa ako vec moras trazi ponudu i od drugih. Kredit je roba od koje imaju najvecu zaradu, pa im je u intetesu da ih pro/daju.
    13? masala na papir

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    Podigao sam u Podgoricku banku. Najpovoljniju ponudu sam dobio.


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    Quote Originally Posted by Lommy View Post
    Podigao sam u Podgoricku banku. Najpovoljniju ponudu sam dobio.
    Ako nije tajna koju si dobio fiksnu kamatnu stopu?

    Послато са SM-G928F помоћу Тапатока

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    Dobio sam 4.65


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    Quote Originally Posted by Lommy View Post
    Dobio sam 4.65
    Moglo je to i niže dosta. Naročito ako je na 15-20 god.
    Samo ti...
    U mome srcu si...
    Jedna jedina, nepobjediva -
    Zvezdo ljubavi!

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    Đe to, i kako, može dosta niže?

    Samo nemojte da miješate kamate za npr radnike EPCG i sličnih državnih firmi, sa kamatama koje mogu dobiti radnici kod 95% privatnika...
    #fakenews

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    Quote Originally Posted by MeDo_JE View Post
    Đe to, i kako, može dosta niže?

    Samo nemojte da miješate kamate za npr radnike EPCG i sličnih državnih firmi, sa kamatama koje mogu dobiti radnici kod 95% privatnika...
    Ja radim u kompaniju u drzavnom vlasnistvu, supruga (kao suduznik) u drzavnu instituciju. Ako mi ne mozemo dobit povoljne kamate, ne znam ko moze. Lovcen banka mi je ponudila nesto preko 5%, erste 5.5, nlb 4.99. Mada kako su mi objasnili u erste banku, kamata je manja ako su nam primanja veca.


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    Porasle su kamate, a i dogodine ce rasti...

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    Quote Originally Posted by Mojsije View Post
    Porasle su kamate, a i dogodine ce rasti...

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    i onda ce banke da ti kukaju kako se manje kredita podize
    f6

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    Kamata koju si dobio je odlična... Bolje se trnutno mogu izvući jedino preko poznanstva, ili ako investitor ima ugovor sa bankom, za određeni projekat...

    Zato i pitah Lucketa, đe i kako može dosta niže...

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    Quote Originally Posted by Mojsije View Post
    Porasle su kamate, a i dogodine ce rasti...

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    Nisam primjetio... Npr u NLB je bila 5.5% prije godinu dana, sad daju dosta lagano za 5%...CKB ista kao prošle god... Lovćen ista... Prva ista... To sam lično provjeravao, za druge nisam siguran...

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    Imam par pitanja.
    1. Kolike su provizije na ove gift kartice, dje je najbolje uzet i koliko se ceka na izdavanje?

    2. Koji je najveci iznos refinansirajuceg kredita koji banke odobravaju penzionerima, penzioner 63-64 godine?
    'šta to zida sinko, koga sestra brani,
    koliko je love pokupio brat'

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    Momci, ukanalila nam se ekonomija -20%. Posledično, povećan je rizik poslovanja i davanja kredita. Cijene crnogorskih obveznica su pale, odnosno povećao se prihod-kamata na iste. One su reper. Ako raste kamata na njih, rastu i kamate u komercijalnom sektoru. Očekivano.

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    Radi li NLB kod Mileniuma sad do 8 ?!

  27. #3274
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    Loše stvari dolaze u paketu, za dobre stvari treba vremena.

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  29. #3275
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    Meni je danas podgoricka ponudila kamatu od 7, 40 i nesto uz obavezu 20% ucesca... toliko o kupovini stana.

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