{"id":53617,"date":"2026-10-05T21:17:51","date_gmt":"2026-10-05T19:17:51","guid":{"rendered":"https:\/\/otpor.media\/?p=53617"},"modified":"2026-10-05T21:18:02","modified_gmt":"2026-10-05T19:18:02","slug":"kreditna-slika-fbih-gradani-bankama-duguju-milijarde-najveci-dio-za-opcu-potrosnju","status":"publish","type":"post","link":"https:\/\/otpor.media\/?p=53617","title":{"rendered":"Kreditna slika FBiH: Gra\u0111ani bankama duguju milijarde, najve\u0107i dio za op\u0107u potro\u0161nju"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Prema najnovijim polugodi\u0161njim podacima, gra\u0111ani FBiH bankama duguju 11,39 milijardi KM, od \u010dega se tri \u010detvrtine odnose na op\u0107u potro\u0161nju.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Krediti stanovni\u0161tvu u Federaciji BiH nastavili su rasti i u prvoj polovici 2026. godine, a podaci Agencije za bankarstvo FBiH otkrivaju gdje odlazi najve\u0107i dio zadu\u017eenja gra\u0111ana. Od ukupno 11,39 milijardi KM kredita stanovni\u0161tvu, \u010dak 6,73 milijarde KM odnosi se na nenamjenske potro\u0161a\u010dke kredite, novac koji banke odobravaju bez precizno odre\u0111ene namjene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Od ukupnih kredita stanovni\u0161tvu, 8,4 milijarde KM ili 73,9 posto odnosi se na kredite za op\u0107u potro\u0161nju. Stambeni krediti iznose otprilike 2,9 milijardi KM i \u010dine 25 posto kredita gra\u0111ana.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drugim rije\u010dima, na svake \u010detiri marke koje stanovni\u0161tvo duguje bankama, pribli\u017eno tri marke odnose se na kategoriju op\u0107e potro\u0161nje. A unutar nje daleko najve\u0107u stavku predstavljaju nenamjenski potro\u0161a\u010dki krediti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Igor Gavran, ekonomski analiti\u010dar, za Faktor isti\u010de kako bi se moglo re\u0107i da gra\u0111ani slijede Vladu Federacije BiH koja se tako\u0111er zadu\u017euje uglavnom nenamjenski, sve vi\u0161e i sve \u010de\u0161\u0107e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 Ali, na\u017ealost, za razliku od Vlade koju to ne optere\u0107uje jer \u0107e dugove vratiti netko drugi (uklju\u010duju\u0107i ove iste gra\u0111ane), ovo zadu\u017eivanje samih gra\u0111ana ima posljedicu da im ugro\u017eava egzistenciju u budu\u0107nosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u010dit razlog zadu\u017eivanja je jaz izme\u0111u primanja i tro\u0161kova \u017eivota, a on se mo\u017ee samo dalje pove\u0107avati ako se nastave trendovi rasta tro\u0161kova \u017eivota i sporijeg ili nikakvog rasta primanja \u2013 zaklju\u010duje Gavran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/faktor.ba\/ekonomija\/ekonomija\/od-cetiri-marke-duga-tri-idu-na-potrosnju-za-pola-godine-dug-stanovnistva-u-federaciji-porastao-za-700-miliona-km\/265241\">Faktor<sup>.ba<\/sup><\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prema najnovijim polugodi\u0161njim podacima, gra\u0111ani FBiH bankama duguju 11,39 milijardi KM, od \u010dega se tri \u010detvrtine odnose na op\u0107u potro\u0161nju. Krediti stanovni\u0161tvu u Federaciji BiH nastavili su rasti i u prvoj polovici 2026. godine, a podaci Agencije za bankarstvo FBiH otkrivaju gdje odlazi najve\u0107i dio zadu\u017eenja gra\u0111ana. Od ukupno 11,39 milijardi KM kredita stanovni\u0161tvu, \u010dak [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8989,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-53617","post","type-post","status-publish","format-standard","has-post-thumbnail","category-vijesti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kreditna slika FBiH: Gra\u0111ani bankama duguju milijarde, najve\u0107i dio za op\u0107u potro\u0161nju - OTPOR.Media<\/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:\/\/otpor.media\/?p=53617\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kreditna slika FBiH: Gra\u0111ani bankama duguju milijarde, najve\u0107i dio za op\u0107u potro\u0161nju\" \/>\n<meta property=\"og:description\" content=\"Prema najnovijim polugodi\u0161njim podacima, gra\u0111ani FBiH bankama duguju 11,39 milijardi KM, od \u010dega se tri \u010detvrtine odnose na op\u0107u potro\u0161nju. Krediti stanovni\u0161tvu u Federaciji BiH nastavili su rasti i u prvoj polovici 2026. godine, a podaci Agencije za bankarstvo FBiH otkrivaju gdje odlazi najve\u0107i dio zadu\u017eenja gra\u0111ana. 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