{"id":1253,"date":"2021-11-25T17:55:10","date_gmt":"2021-11-25T16:55:10","guid":{"rendered":"https:\/\/internetportal.rs\/magazin\/?p=1253"},"modified":"2021-11-25T21:43:39","modified_gmt":"2021-11-25T20:43:39","slug":"kako-dobiti-predodobrenje-stambenog-kredita","status":"publish","type":"post","link":"https:\/\/internetportal.rs\/magazin\/kako-dobiti-predodobrenje-stambenog-kredita\/","title":{"rendered":"Kako dobiti predodobrenje stambenog kredita"},"content":{"rendered":"<p>Mo\u017ee biti te\u0161ko tra\u017eiti stan koji biste kupili a da ni ne znate koja je to cena stana koju sebi mo\u017eete priu\u0161titi. Predodobrenje stambenog kredita vam omoguc\u0301ava da pametnije tra\u017eite stan i dajete bolje i ubedljivije ponude. Prvo da objasnimo \u0161ta ta\u010dno zna\u010di dobiti predodobrenje i kako krenuti u tu proceduru.<\/p>\n<h2>\u0160ta je predodobrenje stambenog kredita?<\/h2>\n<p>Predodobrenje je proces odre\u0111ivanja koliko novca mo\u017eete da pozajmite za kupovinu stana. Da bi Va\u0161 zahtev za predodobrenje bio re\u0161en pozitivno, banka \u0107e gledati va\u0161 prihod, imovinu i kreditnu sposobnost i odrediti za koje kredite biste mogli biti odobreni, koji iznos mo\u017eete da pozajmite i kolika bi mogla biti va\u0161a kamatna stopa.<\/p>\n<h2>Predodobrenje i pretkvalifikacija<\/h2>\n<p>Predodobrenje i pretkvalifikacija su i jedno i drugo na\u010dini da proverite za koji iznos biste mogli da dobijete odobrenje. Postoje neke male razlike izme\u0111u ova dva procesa, a neke banke i pod oba ova izraza misle na jedno te isto.<\/p>\n<p>Pretkvalifikacija stambenog kredita je sli\u010dna predodobrenje, ali nije toliko precizna. Uz potvr\u0111enu pretkvalifikaciju, nec\u0301ete kasnije morati da pru\u017eate toliko informacija o svojim finansijama, a va\u0161a banka nec\u0301e povuc\u0301i va\u0161 kredit.<\/p>\n<p>Bez va\u0161eg kreditnog izve\u0161taja, va\u0161a banka vam mo\u017ee dati samo procene. To zna\u010di da se iznos odobrenja, plan otplate i kamatna stopa koju su vam navedeni u pretkvalifikaciji mogu promeniti kada banka dobije dodatne informacija od vas potrebne za kona\u010dno odobrenje kredita. Po\u0161to je pretkvalifikacija po\u010detni pregled va\u0161ih finansija, naj\u010de\u0161\u0107e ne\u0107ete morati da dostavljate li\u010dnu finansijsku dokumentaciju (poput bankovnih izvoda i platnih listova) tokom ove faze.<\/p>\n<p>Predodobrenja su detaljnija od pretkvalifikacija, i za korak bli\u017ea kona\u010dnom odobrenju stambenog kredita. Kada dobijete predodobrenje, mo\u017eda c\u0301ete morati da dostavite i informacije ili dokumente kao \u0161to su bankovni izvodi i isplatne liste kako biste banci dokazali svoje prihode i sredstva koja koristite za dobijanje kredita. Predodobrenje c\u0301e tako\u0111e zahtevati i detaljnu proveru va\u0161e kreditne sposobnosti kako bi va\u0161a banka mogla da dobije va\u0161u kreditnu sposobnost i da vidi koliko drugih dugova imate na sebi.<\/p>\n<h2>Predodobrenje i kona\u010dno odobrenje<\/h2>\n<p>Predodobrenje je korisno kada kupujete stan, ali c\u0301ete morati da dobijete kona\u010dno odobrenje stambenog kredita kada se prona\u0111ete odgovaraju\u0107i stan, a jednostavno dobijanje predodobrenja nikako ne garantuje da c\u0301ete dobiti i kona\u010dno odobrenje. Za va\u0161u banku, ovaj proces uklju\u010duje i dodatnu proveru detalja u vezi va\u0161e imovine.<\/p>\n<p>Evo nekih od detalja o va\u0161oj imovini koje c\u0301e va\u0161a banka morati da proveri i odobri:<\/p>\n<ul>\n<li><strong>Procena tr\u017ei\u0161ne vrednosti stana<\/strong>: Va\u0161a banka c\u0301e naru\u010diti procenu vrednosti tr\u017ei\u0161ne vrednosti stana kako bi se uverili da stan koji \u017eelite da kupite ne plac\u0301ate vi\u0161e nego \u0161to on zaista vredi. Ukoliko do\u0111u do zaklju\u010dna da je procenjena vrednost od strane banke ni\u017ea od one po kojoj vi \u017eelite da ga kupite, to mo\u017ee predstavljati problem za odobrenje va\u0161eg stambenog kredita.<\/li>\n<li><strong>Provera stvarnog vlasni\u0161tva<\/strong>: Va\u0161a banka c\u0301e morati da potvrdi ko je stvarni vlasnik objekta koji planirate da kupite i da se uveri da na njemy nema nekih potra\u017eivanja ili zalo\u017enog prava na njega.<\/li>\n<li><strong>Stanje kuc\u0301e<\/strong>: Neki stambeni krediti zahtevaju da objekat ispunjava odre\u0111ene standarde pre nego \u0161to se stambeni kredit odobri. Na primer, u nekim varijantama, detalji kao \u0161to su napukli prozori, nedostajuc\u0301i rukohvati ili krov u lo\u0161em stanju mogu bit prepreka da se stambeni kredit odobri.<\/li>\n<\/ul>\n<h2>Kako dobiti predodobrenje za stambeni kredit<\/h2>\n<p>Pre nego \u0161to dobijete predodobrenje za stambeni kredit, podnesite zahtev za predodobrenje kod svoje banke kako biste proverili svoje finansijske stanje i dobili procenu mogu\u0107eg iznosa stambenog kredita. U nastavku su dati svaki od koraka, i delovi procesa, za koje c\u0301ete biti odgovorni.<\/p>\n<h2>Sakupite svu svoju dokumentaciju<\/h2>\n<p>Proces predodobrenja je u su\u0161tini isto \u0161to i prijava za stambeni kredit. To zna\u010di da c\u0301e va\u0161a banka ili va\u0161 kreditni savetnik \u017eeleti da sveobuhvatno pregleda va\u0161e finansije. U tom slu\u010daju, trebalo bi da budete spremni da im pru\u017eite slede\u0107eg informacije:<\/p>\n<ul>\n<li><strong>Potvrda redovnih prihoda<\/strong><\/li>\n<li><strong>Potvrda o zaposlenju<\/strong><\/li>\n<li><strong>Potvrda o imovini na svoje ime<\/strong><\/li>\n<li><strong>Kreditna istorija<\/strong><\/li>\n<li><strong>Li\u010dna karta<\/strong><\/li>\n<li><strong>Odnos zadu\u017eenosti i visine redovnih primanja<\/strong><\/li>\n<\/ul>\n<p>Pre nego \u0161to zapo\u010dnete proces predodobrenja, bi\u0107e vam potrebna navedena dokumentacija kako biste bili sigurni da \u0107e proces da ide glatko. Evo nekoliko stavki koje bi trebalo da stavite na svoju listu zadataka za predodobrenje stambenog kredita:<\/p>\n<h2>Zaklju\u010dak<\/h2>\n<p>Predodobrenje je odli\u010dan prvi korak ka kupovini stana. Kada va\u0161e finansijsko stanje bude provereno i utvr\u0111eno, imac\u0301ete jasnu sliku o tome stan koje vrednosti mo\u017eete sebi priu\u0161titi. Dobijanje predodobrenja pre nego \u0161to zapo\u010dnete potragu za idealnim stanom za va\u0161u porodicu \u0107e biti od koristi svima u tom procesu.<\/p>\n    <div class=\"related-post slider\">\r\n            <div class=\"post-list owl-carousel\">\r\n\r\n                        <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/kako-zaraditi-novac-od-kuce\/?related_post_from=1056\">\r\n            <img loading=\"lazy\" decoding=\"async\" width=\"772\" height=\"513\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/kalkulator-olovka-i-evri.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"Kalkulator, olovka i evri\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/kalkulator-olovka-i-evri.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/kalkulator-olovka-i-evri-300x199.jpg 300w, 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https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/snazan-uticaj-koji-drustvene-mreze-imaju-na-savremeni-nacin-zivota\/?related_post_from=1012\">\r\n                Sna\u017ean uticaj koji dru\u0161tvene mre\u017ee imaju na savremeni na\u010din \u017eivota    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Dru\u0161tvene mre\u017ee u su\u0161tini \u010dini grupa dru\u0161tvenih kanala koji milijardama korisnika \u0161irom sveta pru\u017eaju moguc\u0301nost da se me\u0111usobno povezuju, objavljuju <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/snazan-uticaj-koji-drustvene-mreze-imaju-na-savremeni-nacin-zivota\/?related_post_from=1012\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    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class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/najbolje-virtuelne-ture-kroz-najpoznatije-svetske-muzeje\/?related_post_from=1001\">\r\n                10 najboljih virtuelnih tura kroz poznate svetske muzeje    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Savremeno doba je u\u010dinilo puno toga jednostavnijim i dostupnim, i neke stvari koje su nam ranije mo\u017eda bile i potpuno <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/najbolje-virtuelne-ture-kroz-najpoznatije-svetske-muzeje\/?related_post_from=1001\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                \r\n    <\/div>\r\n    \r\n    <script>\r\n\r\n        \r\n    <\/script>\r\n    <style >\r\n        .related-post{}\r\n        .related-post .post-list{\r\n                    text-align:left;\r\n                }\r\n        .related-post .post-list .item{\r\n                            margin:10px;\r\n                         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Predodobrenje stambenog kredita vam omoguc\u0301ava da pametnije tra\u017eite stan i dajete bolje i ubedljivije ponude. Prvo da objasnimo \u0161ta ta\u010dno zna\u010di dobiti predodobrenje i kako krenuti u tu proceduru. \u0160ta je predodobrenje stambenog [&hellip;]<\/p>\n    <div class=\"related-post slider\">\r\n            <div class=\"post-list owl-carousel\">\r\n\r\n                        <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/snazan-uticaj-koji-drustvene-mreze-imaju-na-savremeni-nacin-zivota\/?related_post_from=1012\">\r\n            <img width=\"772\" height=\"515\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"Dru\u0161tvene mre\u017ee\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom-300x200.jpg 300w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom-768x512.jpg 768w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/aplikacije-drustvene-mreze-na-mobilnom-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/snazan-uticaj-koji-drustvene-mreze-imaju-na-savremeni-nacin-zivota\/?related_post_from=1012\">\r\n                Sna\u017ean uticaj koji dru\u0161tvene mre\u017ee imaju na savremeni na\u010din \u017eivota    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Dru\u0161tvene mre\u017ee u su\u0161tini \u010dini grupa dru\u0161tvenih kanala koji milijardama korisnika \u0161irom sveta pru\u017eaju moguc\u0301nost da se me\u0111usobno povezuju, objavljuju <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/snazan-uticaj-koji-drustvene-mreze-imaju-na-savremeni-nacin-zivota\/?related_post_from=1012\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                                <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/sve-vrste-kafe-od-espresa-do-irske-kafe-i-afogata\/?related_post_from=1591\">\r\n            <img width=\"772\" height=\"514\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/domaca-kafa-razlicite-solje.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"vrste kafe\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/domaca-kafa-razlicite-solje.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/domaca-kafa-razlicite-solje-300x200.jpg 300w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/domaca-kafa-razlicite-solje-768x511.jpg 768w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/domaca-kafa-razlicite-solje-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/sve-vrste-kafe-od-espresa-do-irske-kafe-i-afogata\/?related_post_from=1591\">\r\n                Sve vrste kafe &#8211; od espresa do irske kafe i afogata    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Biljka kafe je poreklom iz Etiopije. Niko ne zna ta\u010dno kako i kada je kafa otkrivena, iako postoje mnoge legende <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/sve-vrste-kafe-od-espresa-do-irske-kafe-i-afogata\/?related_post_from=1591\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                                <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/zimske-carolije-kako-se-sve-mozete-zabaviti-ove-zime\/?related_post_from=1558\">\r\n            <img width=\"772\" height=\"515\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/zima-sneg-grancica.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"Zima, sneg, zimske \u010darolije\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/zima-sneg-grancica.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/zima-sneg-grancica-300x200.jpg 300w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/zima-sneg-grancica-768x512.jpg 768w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2022\/01\/zima-sneg-grancica-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/zimske-carolije-kako-se-sve-mozete-zabaviti-ove-zime\/?related_post_from=1558\">\r\n                Zimske \u010darolije \u2013 kako se sve mo\u017eete zabaviti ove zime    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Sunce je uglavnom nestalo i li\u0161c\u0301e je opalo sa drvec\u0301a, \u0161to samo mo\u017ee zna\u010diti da se zima definitivno pribli\u017eava. Umesto <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/zimske-carolije-kako-se-sve-mozete-zabaviti-ove-zime\/?related_post_from=1558\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                                <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/bozicni-i-novogodisnji-ukrasi-kojim-mozete-ukrasiti-svoj-dom\/?related_post_from=1496\">\r\n            <img width=\"772\" height=\"515\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/12\/bozicna-dekoracija-na-stolu.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/12\/bozicna-dekoracija-na-stolu.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/12\/bozicna-dekoracija-na-stolu-300x200.jpg 300w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/12\/bozicna-dekoracija-na-stolu-768x512.jpg 768w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/12\/bozicna-dekoracija-na-stolu-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/bozicni-i-novogodisnji-ukrasi-kojim-mozete-ukrasiti-svoj-dom\/?related_post_from=1496\">\r\n                Bo\u017ei\u0107ni i novogodi\u0161nji ukrasi kojim mo\u017eete ukrasiti svoj dom    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Bo\u017ei\u0107ni i novogodi\u0161nji ukrasi su odli\u010dan na\u010din da ukrasite Va\u0161 dom za predstoje\u0107e praznike, i unesete malo prazni\u010dnog duha u <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/bozicni-i-novogodisnji-ukrasi-kojim-mozete-ukrasiti-svoj-dom\/?related_post_from=1496\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                                <div class=\"item\">\r\n                        <div class=\"thumb post_thumb\">\r\n        <a  href=\"https:\/\/internetportal.rs\/magazin\/jesen-nacini-na-koje-mozete-da-se-razonodite\/?related_post_from=1157\">\r\n            <img width=\"772\" height=\"513\" src=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/suma-jesen-lisce.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\u0160uma, jesenje li\u0161\u0107e\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/suma-jesen-lisce.jpg 772w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/suma-jesen-lisce-300x199.jpg 300w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/suma-jesen-lisce-768x510.jpg 768w, https:\/\/internetportal.rs\/magazin\/wp-content\/uploads\/2021\/11\/suma-jesen-lisce-360x240.jpg 360w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/>        <\/a>\r\n    <\/div>\r\n    \r\n    <a class=\"title post_title\"   href=\"https:\/\/internetportal.rs\/magazin\/jesen-nacini-na-koje-mozete-da-se-razonodite\/?related_post_from=1157\">\r\n                Sve boje jeseni \u2013 na\u010dini na koje mo\u017eete da se razonodite za ovu jesen    <\/a>\r\n\r\n        <p class=\"excerpt post_excerpt\">\r\n        Dok zavr\u0161avate sa svojom listom na\u010dina da se razonodite na leto koje planirate da obavite, mo\u017eete polako da po\u010dnete da <a  class=\"read-more\" href=\"https:\/\/internetportal.rs\/magazin\/jesen-nacini-na-koje-mozete-da-se-razonodite\/?related_post_from=1157\"> [op\u0161irnije...]<\/a>    <\/p>\r\n                    <\/div>\r\n                \r\n    <\/div>\r\n    \r\n    <script>\r\n\r\n        \r\n    <\/script>\r\n    <style >\r\n        .related-post{}\r\n        .related-post .post-list{\r\n                    text-align:left;\r\n             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<\/div>\r\n","protected":false},"author":2,"featured_media":1255,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[31,32],"tags":[61,69],"class_list":["post-1253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansije","category-kuca","tag-krediti","tag-stambeni-kredit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kako dobiti predodobrenje stambenog kredita | Internet MAGAZIN<\/title>\n<meta name=\"description\" content=\"Predodobrenje stambenog kredita vam omoguc\u0301ava da pametnije tra\u017eite stan i dajete bolje i ubedljivije ponude. 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