{"id":4839,"date":"2021-05-12T10:40:22","date_gmt":"2021-05-12T08:40:22","guid":{"rendered":"https:\/\/www.gbkr.si\/?post_type=faq&p=4839"},"modified":"2026-02-13T14:11:22","modified_gmt":"2026-02-13T13:11:22","slug":"vas-zanima-kaksna-je-razlika-med-potrosniskim-in-stanovanjskim-kreditom","status":"publish","type":"faq","link":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/vas-zanima-kaksna-je-razlika-med-potrosniskim-in-stanovanjskim-kreditom\/","title":{"rendered":"Kak\u0161na je razlika med potro\u0161ni\u0161kim kreditom z zastavo nepremi\u010dnine in stanovanjskim kreditom z zastavo nepremi\u010dnine?"},"content":{"rendered":"

Odpla\u010dilna doba potro\u0161ni\u0161kega kredita z zastavo nepremi\u010dnine zna\u0161a najve\u010d 240 mesecev pri kreditih s fiksno obrestno mero oziroma najve\u010d 360 mesecev pri kreditih s spremenljivo obrestno mero. Enaka najdalj\u0161a odpla\u010dilna doba velja tudi za stanovanjski kredit z zastavo nepremi\u010dnine. Ob tem se kredita razlikujeta glede na namen. Potro\u0161ni\u0161ki kredit omogo\u010da izpla\u010dilo v gotovini, pla\u010dilo ra\u010dunov, popla\u010dilo obstoje\u010dih kreditov, obveznosti iz naslova limitov, kreditnih kartic in leasing poslov, medtem ko je stanovanjski kredit namenski kredit za nakup, adaptacijo ali gradnjo nepremi\u010dnine oziroma popla\u010dilo obstoje\u010dega stanovanjskega kredita ali izpla\u010dilo dednih dele\u017eev. Ekskluzivni stanovanjski kredit podpira izbrane nepremi\u010dnine, ki jih Gorenjska banka ponuja v sodelovanju s partnerji. Skladno s tem se razlikuje tudi dokumentacija, potrebna za odobritev potro\u0161ni\u0161kega, stanovanjskega ali ekskluzivnega stanovanjskega kredita.<\/p>\n","protected":false},"excerpt":{"rendered":"

Odpla\u010dilna doba potro\u0161ni\u0161kega kredita z zastavo nepremi\u010dnine zna\u0161a najve\u010d 240 mesecev pri kreditih s fiksno obrestno mero oziroma najve\u010d 360 mesecev pri kreditih s spremenljivo obrestno mero. Enaka najdalj\u0161a odpla\u010dilna doba velja tudi za stanovanjski kredit z zastavo nepremi\u010dnine. Ob tem se kredita razlikujeta glede na namen. Potro\u0161ni\u0161ki kredit omogo\u010da izpla\u010dilo v gotovini, pla\u010dilo ra\u010dunov, … Ve\u010d<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"template":"","cat_faq":[75,77,78],"class_list":["post-4839","faq","type-faq","status-publish","hentry","cat_faq-krediti","cat_faq-potrosniski-kredit","cat_faq-stanovanjski"],"acf":[],"yoast_head":"\nKak\u0161na je razlika med potro\u0161ni\u0161kim kreditom z zastavo nepremi\u010dnine in stanovanjskim kreditom z zastavo nepremi\u010dnine? - Gorenjska banka<\/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:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/vas-zanima-kaksna-je-razlika-med-potrosniskim-in-stanovanjskim-kreditom\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kak\u0161na je razlika med potro\u0161ni\u0161kim kreditom z zastavo nepremi\u010dnine in stanovanjskim kreditom z zastavo nepremi\u010dnine? - Gorenjska banka\" \/>\n<meta property=\"og:description\" content=\"Odpla\u010dilna doba potro\u0161ni\u0161kega kredita z zastavo nepremi\u010dnine zna\u0161a najve\u010d 240 mesecev pri kreditih s fiksno obrestno mero oziroma najve\u010d 360 mesecev pri kreditih s spremenljivo obrestno mero. Enaka najdalj\u0161a odpla\u010dilna doba velja tudi za stanovanjski kredit z zastavo nepremi\u010dnine. Ob tem se kredita razlikujeta glede na namen. 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- Gorenjska banka","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\/vas-zanima-kaksna-je-razlika-med-potrosniskim-in-stanovanjskim-kreditom\/","og_locale":"sl_SI","og_type":"article","og_title":"Kak\u0161na je razlika med potro\u0161ni\u0161kim kreditom z zastavo nepremi\u010dnine in stanovanjskim kreditom z zastavo nepremi\u010dnine? - Gorenjska banka","og_description":"Odpla\u010dilna doba potro\u0161ni\u0161kega kredita z zastavo nepremi\u010dnine zna\u0161a najve\u010d 240 mesecev pri kreditih s fiksno obrestno mero oziroma najve\u010d 360 mesecev pri kreditih s spremenljivo obrestno mero. 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