SD Dojavi
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Guverner HNB-a Boris Vujčić gostovao je u N1 studiju uživo i komentirao uvođenje eura u Hrvatskoj, kao i kakve će to posljedice imati na rast kamata na kredite.

Što se tiče šoka prelaska s kuna na euro, Vujčić je rekao da se radi o psihološkoj kategoriji te da je bilo puno zemalja koje su imale valute u desetinama tisuća, poput talijanske lire, pa su se sveli na stotine.

“Tamo je psihološki šok bio veći. Ono što je bitno jest kakva će biti vrijednost toga novca i što će se moći kupiti, zato što će se plaće i mirovine iskazivati u stotinama, a ne tisućama, ali će i cijene biti manjem, odnosno podijeljene sa 7,5 i što će se moći kupiti u Hrvatskoj u odnosu na druge zemlje Europske unije”, rekao je Vujčić.

Osim Slovenije, dosad nije bilo zemlje Europske unije koja uvodi euro kad je inflacija ovako visoka, a to se događa zato što u zadnjih desetak godina nismo imali toliku stopu inflacije, objasnio je guverner HNB-a.

“Ovo što sad vidimo je da prvi put nakon tri desetljeća vidimo da cijene rastu, ali iz drugih razloga, ne zbog uvođenja eura, tako da će porast cijena zbog uvođenja eura biti vrlo mali u odnosu na inflacijski pritisak zbog drugih stvari”, rekao je Vujčić.

Dodao je da mu nije jasno zašto je ta njegova izjava ranije izazvala tako burne reakcije i brojne kritike. “Bilo mi je potpuno nevjerojatno kako bi netko to mogao kritizirati, to je osnova tržišne ekonomije. Najbolji mehanizam za održavanje cijena na nekoj razini u odnosu na troškove marže je konkurencija, a koju ipak mora kontrolirati HANFA”, rekao je Vujčić.

Što se inflacije tiče, Vujčić je rekao da očekuje da bi u svibnju mogla dosegnuti dvoznamenkastu razinu, zbog toga što imamo značajan rast cijena prehrane, ali da u HNB-u rade “scraping” cijena u trgovinama te da u konačnici očekuje da će se stopa inflacije zadržati na razini od oko 9 posto.

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Davor Pongracic/Cropix/Cropix
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“Iz ovoga što sada imamo, što se tiče Europske središnje banke, ona je rekla da će zaustaviti kupnju vrijednosnih papira sad na kraju drugoga tromjesečja. Najavila je to i sad se raspravlja o tome bi li se išlo od rasta poreznih stopa ili 50 baznih bodova”, rekao je Vujčić.

Govoreći o kamatnim stopama, Vujčić je rekao da su u Hrvatskoj u ovom trenutku kamatne stope više nego u drugim članicama ECB-a. Upitan kako će se to reflektirati na stambene kredite i iznose rata za građane, Vujčić je rekao da je velika prednost toga ulazak u eurozonu.

“Zemlje Europske unije koje nisu članice eurozone znatno su dizale kamatne stope. Isto tako, kod nas se to nije prelilo ni u kredite za poduzeća ni za stanovništvo. U Poljskoj jesu, u Mađarskoj jesu, u Češkoj i Rumunjskoj također. Isto je i cijena zaduživanja države u Hrvatskoj ostala niža nego u ostalim zemljama, a to je direktna posljedica ulaska u eurozonu. Upravo su krizna vremena najbolja za biti dio eurozone”, rekao je Vujčić.

Dao je i primjer koliko bi zapravo rasle mjesečne rate kredita, ako bi kamate porasle za 1 posto.

“Ako bi kamate porasle za 1 postotni poen, za gotovinske kredite to bi značilo povećanje otplate za 3 eura mjesečno, a za prosječni kredit bi to značilo 4 i pol eura mjesečno, dok bi za stambene kredite to značilo 15 eura mjesečno više za medijalni i 20 eura više za prosječni stambeni kredit”, rekao je guverner HNB-a u N1 studiju.

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Guverner HNB-a Boris Vujčić gostovao je u N1 studiju uživo i komentirao uvođenje eura u Hrvatskoj, kao i kakve će to posljedice imati na rast kamata na kredite.

Što se tiče šoka prelaska s kuna na euro, Vujčić je rekao da se radi o psihološkoj kategoriji te da je bilo puno zemalja koje su imale valute u desetinama tisuća, poput talijanske lire, pa su se sveli na stotine.

“Tamo je psihološki šok bio veći. Ono što je bitno jest kakva će biti vrijednost toga novca i što će se moći kupiti, zato što će se plaće i mirovine iskazivati u stotinama, a ne tisućama, ali će i cijene biti manjem, odnosno podijeljene sa 7,5 i što će se moći kupiti u Hrvatskoj u odnosu na druge zemlje Europske unije”, rekao je Vujčić.

Osim Slovenije, dosad nije bilo zemlje Europske unije koja uvodi euro kad je inflacija ovako visoka, a to se događa zato što u zadnjih desetak godina nismo imali toliku stopu inflacije, objasnio je guverner HNB-a.

“Ovo što sad vidimo je da prvi put nakon tri desetljeća vidimo da cijene rastu, ali iz drugih razloga, ne zbog uvođenja eura, tako da će porast cijena zbog uvođenja eura biti vrlo mali u odnosu na inflacijski pritisak zbog drugih stvari”, rekao je Vujčić.

Dodao je da mu nije jasno zašto je ta njegova izjava ranije izazvala tako burne reakcije i brojne kritike. “Bilo mi je potpuno nevjerojatno kako bi netko to mogao kritizirati, to je osnova tržišne ekonomije. Najbolji mehanizam za održavanje cijena na nekoj razini u odnosu na troškove marže je konkurencija, a koju ipak mora kontrolirati HANFA”, rekao je Vujčić.

Što se inflacije tiče, Vujčić je rekao da očekuje da bi u svibnju mogla dosegnuti dvoznamenkastu razinu, zbog toga što imamo značajan rast cijena prehrane, ali da u HNB-u rade “scraping” cijena u trgovinama te da u konačnici očekuje da će se stopa inflacije zadržati na razini od oko 9 posto.

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Davor Pongracic/Cropix/Cropix
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“Iz ovoga što sada imamo, što se tiče Europske središnje banke, ona je rekla da će zaustaviti kupnju vrijednosnih papira sad na kraju drugoga tromjesečja. Najavila je to i sad se raspravlja o tome bi li se išlo od rasta poreznih stopa ili 50 baznih bodova”, rekao je Vujčić.

Govoreći o kamatnim stopama, Vujčić je rekao da su u Hrvatskoj u ovom trenutku kamatne stope više nego u drugim članicama ECB-a. Upitan kako će se to reflektirati na stambene kredite i iznose rata za građane, Vujčić je rekao da je velika prednost toga ulazak u eurozonu.

“Zemlje Europske unije koje nisu članice eurozone znatno su dizale kamatne stope. Isto tako, kod nas se to nije prelilo ni u kredite za poduzeća ni za stanovništvo. U Poljskoj jesu, u Mađarskoj jesu, u Češkoj i Rumunjskoj također. Isto je i cijena zaduživanja države u Hrvatskoj ostala niža nego u ostalim zemljama, a to je direktna posljedica ulaska u eurozonu. Upravo su krizna vremena najbolja za biti dio eurozone”, rekao je Vujčić.

Dao je i primjer koliko bi zapravo rasle mjesečne rate kredita, ako bi kamate porasle za 1 posto.

“Ako bi kamate porasle za 1 postotni poen, za gotovinske kredite to bi značilo povećanje otplate za 3 eura mjesečno, a za prosječni kredit bi to značilo 4 i pol eura mjesečno, dok bi za stambene kredite to značilo 15 eura mjesečno više za medijalni i 20 eura više za prosječni stambeni kredit”, rekao je guverner HNB-a u N1 studiju.

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Guverner Vujčić otkrio koliko će rasti rate kredita kad porastu kamatne stope: ‘Da ne prelazimo na euro, bile bi i veće!‘

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7. lipnja 2022. - 14:14
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Guverner HNB-a Boris Vujčić gostovao je u N1 studiju uživo i komentirao uvođenje eura u Hrvatskoj, kao i kakve će to posljedice imati na rast kamata na kredite.

Što se tiče šoka prelaska s kuna na euro, Vujčić je rekao da se radi o psihološkoj kategoriji te da je bilo puno zemalja koje su imale valute u desetinama tisuća, poput talijanske lire, pa su se sveli na stotine.

“Tamo je psihološki šok bio veći. Ono što je bitno jest kakva će biti vrijednost toga novca i što će se moći kupiti, zato što će se plaće i mirovine iskazivati u stotinama, a ne tisućama, ali će i cijene biti manjem, odnosno podijeljene sa 7,5 i što će se moći kupiti u Hrvatskoj u odnosu na druge zemlje Europske unije”, rekao je Vujčić.

Osim Slovenije, dosad nije bilo zemlje Europske unije...

#BORIS VUJČIĆ#GUVERNER HNB-A#RAST KAMATA#KAMATE NA KREDITE
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22. svibanj 2024 06:39