{"id":4849,"date":"2021-05-12T10:41:37","date_gmt":"2021-05-12T08:41:37","guid":{"rendered":"https:\/\/www.gbkr.si\/?post_type=faq&#038;p=4849"},"modified":"2025-01-29T12:09:09","modified_gmt":"2025-01-29T11:09:09","slug":"se-sprasujete-kaj-je-euribor-in-kako-vpliva-na-obrestno-mero","status":"publish","type":"faq","link":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-sprasujete-kaj-je-euribor-in-kako-vpliva-na-obrestno-mero\/","title":{"rendered":"Kaj je EURIBOR in kako vpliva na obrestno mero?"},"content":{"rendered":"<p>Izbrane banke znotraj obmo\u010dja Evropske unije so na podlagi medban\u010dne referen\u010dne obrestne mere za dolo\u010deno obdobje pripravljene dati depozit drugi banki in ga objaviti na European Money Marker Institute po 11. uri (po centralno evropskem \u010dasu) ter na ustrezni strani Thomson Reuters. Za potrebe tega dogovora se uporablja EURIBOR, zaokro\u017een na dve decimalni mesti v odstotnem zapisu. Posamezna banka zato nanj nima vpliva. Ve\u010d o EURIBOR-u je na voljo na <a href=\"http:\/\/www.euribor-rates.si\" target=\"_blank\" rel=\"noopener\">www.euribor-rates.si<\/a> in na predstavitvenih straneh Gorenjske banke.<\/p>\n<p>Obrestna mera je v primeru kredita s spremenljivo obrestno mero sestavljena iz se\u0161tevka fiksnega pribitka in 6 mese\u010dnega EURIBOR-ja, veljavnega na prvi dan v mesecu sklenitve pogodbe. Mese\u010dna obveznost se spreminja vsakih 6 mesecev v odvisnosti od vi\u0161ine 6 mese\u010dnega EURIBOR-ja, ki velja na prvi dan v posameznem mesecu in sicer vsakih 6 mesecev od meseca podpisa kreditne pogodbe dalje. To v praksi pomeni, da se za kreditno pogodbo, sklenjeno 15. 5. 2024 s prenosom kredita v odpla\u010dilo zadnji dan v mesecu maju 2024 in z zapadlostjo prve anuitete v pla\u010dilo v mesecu juniju 2024, za izra\u010dun mese\u010dne obveznosti upo\u0161teva vrednost 6 mese\u010dnega EURIBOR-ja na 1. 5. 2024. Prva sprememba mese\u010dne obveznosti bo izra\u010dunana z veljavnostjo 6 mese\u010dnega EURIBOR-ja na dan 1. 11. 2024 in z zapadlostjo nove mese\u010dne obveznosti v pla\u010dilo v decembru 2024.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Izbrane banke znotraj obmo\u010dja Evropske unije so na podlagi medban\u010dne referen\u010dne obrestne mere za dolo\u010deno obdobje pripravljene dati depozit drugi banki in ga objaviti na European Money Marker Institute po 11. uri (po centralno evropskem \u010dasu) ter na ustrezni strani Thomson Reuters. Za potrebe tega dogovora se uporablja EURIBOR, zaokro\u017een na dve decimalni mesti v &hellip; <a href=\"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-sprasujete-kaj-je-euribor-in-kako-vpliva-na-obrestno-mero\/\">Ve\u010d<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"template":"","cat_faq":[76,96,75,77,78],"class_list":["post-4849","faq","type-faq","status-publish","hentry","cat_faq-ekskluzivni-stanovanjski-kredit","cat_faq-hitri-kredit-za-mlade","cat_faq-krediti","cat_faq-potrosniski-kredit","cat_faq-stanovanjski"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kaj je EURIBOR in kako vpliva na obrestno mero? - 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\/se-sprasujete-kaj-je-euribor-in-kako-vpliva-na-obrestno-mero\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kaj je EURIBOR in kako vpliva na obrestno mero? - Gorenjska banka\" \/>\n<meta property=\"og:description\" content=\"Izbrane banke znotraj obmo\u010dja Evropske unije so na podlagi medban\u010dne referen\u010dne obrestne mere za dolo\u010deno obdobje pripravljene dati depozit drugi banki in ga objaviti na European Money Marker Institute po 11. uri (po centralno evropskem \u010dasu) ter na ustrezni strani Thomson Reuters. 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