{"id":39587,"date":"2026-04-10T14:41:15","date_gmt":"2026-04-10T12:41:15","guid":{"rendered":"https:\/\/www.gbkr.si\/?post_type=faq&p=39587"},"modified":"2026-04-10T14:41:15","modified_gmt":"2026-04-10T12:41:15","slug":"se-mi-refinanciranje-kredita-splaca","status":"publish","type":"faq","link":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/","title":{"rendered":"Se mi refinanciranje kredita spla\u010da?"},"content":{"rendered":"

Refinanciranje kredita je namenjeno vsem, ki \u017eelite ve\u010d kreditnih obveznosti zdru\u017eiti v en sam mese\u010dni obrok in si tako zagotoviti bolj\u0161i pregled nad dolgovi, zmanj\u0161ati vi\u0161ino mese\u010dnega obroka ali pridobiti dodatna finan\u010dna sredstva. To ne pomeni, da je kredit sklenjen pod bolj\u0161imi pogoji, saj manj\u0161i mese\u010dni obrok podalj\u0161a dobo odpla\u010devanja, medtem ko je kon\u010dni stro\u0161ek lahko celo vi\u0161ji, ponuja pa kompromis med ni\u017ejim obrokom in dalj\u0161o dobo odpla\u010devanja.<\/p>\n","protected":false},"excerpt":{"rendered":"

Refinanciranje kredita je namenjeno vsem, ki \u017eelite ve\u010d kreditnih obveznosti zdru\u017eiti v en sam mese\u010dni obrok in si tako zagotoviti bolj\u0161i pregled nad dolgovi, zmanj\u0161ati vi\u0161ino mese\u010dnega obroka ali pridobiti dodatna finan\u010dna sredstva. To ne pomeni, da je kredit sklenjen pod bolj\u0161imi pogoji, saj manj\u0161i mese\u010dni obrok podalj\u0161a dobo odpla\u010devanja, medtem ko je kon\u010dni stro\u0161ek … Ve\u010d<\/a><\/p>\n","protected":false},"author":21,"featured_media":0,"template":"","cat_faq":[],"class_list":["post-39587","faq","type-faq","status-publish","hentry"],"acf":[],"yoast_head":"\nSe mi refinanciranje kredita spla\u010da? - Gorenjska banka<\/title>\n<meta name=\"description\" content=\"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Se mi refinanciranje kredita spla\u010da? - Gorenjska banka\" \/>\n<meta property=\"og:description\" content=\"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/\" \/>\n<meta property=\"og:site_name\" content=\"Gorenjska banka\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gorenjskabanka\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gbkr.si\/wp-content\/uploads\/2025\/01\/Layer-7-1024x576.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/se-mi-refinanciranje-kredita-splaca\\\/\",\"url\":\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/se-mi-refinanciranje-kredita-splaca\\\/\",\"name\":\"Se mi refinanciranje kredita spla\u010da? - Gorenjska banka\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#website\"},\"datePublished\":\"2026-04-10T12:41:15+00:00\",\"description\":\"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/se-mi-refinanciranje-kredita-splaca\\\/#breadcrumb\"},\"inLanguage\":\"sl-SI\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/se-mi-refinanciranje-kredita-splaca\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/se-mi-refinanciranje-kredita-splaca\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Pogosta vpra\u0161anja in odgovori\",\"item\":\"https:\\\/\\\/www.gbkr.si\\\/pogosta-vprasanja-in-odgovori\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Se mi refinanciranje kredita spla\u010da?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#website\",\"url\":\"https:\\\/\\\/www.gbkr.si\\\/\",\"name\":\"Gorenjska banka - Ban\u010dne re\u0161itve za fizi\u010dne osebe in podjetja\",\"description\":\"kredit, ban\u010dni paket, osebne finance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#organization\"},\"alternateName\":\"Gorenjska banka\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.gbkr.si\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sl-SI\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#organization\",\"name\":\"Gorenjska banka d.d.\",\"url\":\"https:\\\/\\\/www.gbkr.si\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sl-SI\",\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.gbkr.si\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/GB-logo-dark.png\",\"contentUrl\":\"https:\\\/\\\/www.gbkr.si\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/GB-logo-dark.png\",\"width\":800,\"height\":91,\"caption\":\"Gorenjska banka d.d.\"},\"image\":{\"@id\":\"https:\\\/\\\/www.gbkr.si\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/gorenjskabanka\",\"https:\\\/\\\/si.linkedin.com\\\/company\\\/gorenjska-banka-d.d.\",\"https:\\\/\\\/www.instagram.com\\\/gorenjska.banka\\\/\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/GorenjskaBankaKranj\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Se mi refinanciranje kredita spla\u010da? - Gorenjska banka","description":"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.","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:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/","og_locale":"sl_SI","og_type":"article","og_title":"Se mi refinanciranje kredita spla\u010da? - Gorenjska banka","og_description":"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.","og_url":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/","og_site_name":"Gorenjska banka","article_publisher":"https:\/\/www.facebook.com\/gorenjskabanka","og_image":[{"width":1024,"height":576,"url":"https:\/\/www.gbkr.si\/wp-content\/uploads\/2025\/01\/Layer-7-1024x576.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minuta"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/","url":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/","name":"Se mi refinanciranje kredita spla\u010da? - Gorenjska banka","isPartOf":{"@id":"https:\/\/www.gbkr.si\/#website"},"datePublished":"2026-04-10T12:41:15+00:00","description":"Refinanciranje kredita vam lahko pomaga zdru\u017eiti obroke, izbolj\u0161ati pregled nad dolgovi in zni\u017eati mese\u010dne stro\u0161ke, a lahko podalj\u0161a dobo odpla\u010devanja.","breadcrumb":{"@id":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/#breadcrumb"},"inLanguage":"sl-SI","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-mi-refinanciranje-kredita-splaca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Pogosta vpra\u0161anja in odgovori","item":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/"},{"@type":"ListItem","position":2,"name":"Se mi refinanciranje kredita spla\u010da?"}]},{"@type":"WebSite","@id":"https:\/\/www.gbkr.si\/#website","url":"https:\/\/www.gbkr.si\/","name":"Gorenjska banka - Ban\u010dne re\u0161itve za fizi\u010dne osebe in podjetja","description":"kredit, ban\u010dni paket, osebne finance","publisher":{"@id":"https:\/\/www.gbkr.si\/#organization"},"alternateName":"Gorenjska banka","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.gbkr.si\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sl-SI"},{"@type":"Organization","@id":"https:\/\/www.gbkr.si\/#organization","name":"Gorenjska banka d.d.","url":"https:\/\/www.gbkr.si\/","logo":{"@type":"ImageObject","inLanguage":"sl-SI","@id":"https:\/\/www.gbkr.si\/#\/schema\/logo\/image\/","url":"https:\/\/www.gbkr.si\/wp-content\/uploads\/2025\/11\/GB-logo-dark.png","contentUrl":"https:\/\/www.gbkr.si\/wp-content\/uploads\/2025\/11\/GB-logo-dark.png","width":800,"height":91,"caption":"Gorenjska banka d.d."},"image":{"@id":"https:\/\/www.gbkr.si\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gorenjskabanka","https:\/\/si.linkedin.com\/company\/gorenjska-banka-d.d.","https:\/\/www.instagram.com\/gorenjska.banka\/","https:\/\/www.youtube.com\/user\/GorenjskaBankaKranj"]}]}},"_links":{"self":[{"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/faq\/39587","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/faq"}],"about":[{"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/types\/faq"}],"author":[{"embeddable":true,"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/users\/21"}],"version-history":[{"count":1,"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/faq\/39587\/revisions"}],"predecessor-version":[{"id":39588,"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/faq\/39587\/revisions\/39588"}],"wp:attachment":[{"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/media?parent=39587"}],"wp:term":[{"taxonomy":"cat_faq","embeddable":true,"href":"https:\/\/www.gbkr.si\/gbkr-api\/wp\/v2\/cat_faq?post=39587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}