{"id":6421,"date":"2021-05-19T10:42:10","date_gmt":"2021-05-19T08:42:10","guid":{"rendered":"https:\/\/www.gbkr.si\/?post_type=faq&#038;p=6421"},"modified":"2025-01-29T12:09:08","modified_gmt":"2025-01-29T11:09:08","slug":"se-sprasujete-kaj-so-makrobonitetne-omejitve","status":"publish","type":"faq","link":"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-sprasujete-kaj-so-makrobonitetne-omejitve\/","title":{"rendered":"Kaj so makrobonitetne omejitve?"},"content":{"rendered":"<p>Pri najemu kredita je treba upo\u0161tevati makrobonitetne omejitve. Te zajemajo omejitev maksimalnega razmerja med letnimi obveznostmi za odpla\u010dilo kreditov in leasingov ter letnim dohodkom potro\u0161nika. Kreditojemalcu mora ne glede na vi\u0161ino dohodka po pla\u010dilu vseh obrokov iz naslova kreditnih pogodb ostati najmanj znesek v vi\u0161ini 745 \u20ac. \u010ce potro\u0161nik pre\u017eivlja dru\u017einskega \u010dlana ali drugo osebo, dolo\u010deno po zakonu, pa mu mora ostati znesek v vi\u0161ini prejemka, dolo\u010denega na osebo, ki jo pre\u017eivlja, in sicer po zakonsko dolo\u010denih merilih denarne socialne pomo\u010di.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pri najemu kredita je treba upo\u0161tevati makrobonitetne omejitve. Te zajemajo omejitev maksimalnega razmerja med letnimi obveznostmi za odpla\u010dilo kreditov in leasingov ter letnim dohodkom potro\u0161nika. Kreditojemalcu mora ne glede na vi\u0161ino dohodka po pla\u010dilu vseh obrokov iz naslova kreditnih pogodb ostati najmanj znesek v vi\u0161ini 745 \u20ac. \u010ce potro\u0161nik pre\u017eivlja dru\u017einskega \u010dlana ali drugo osebo, &hellip; <a href=\"https:\/\/www.gbkr.si\/pogosta-vprasanja-in-odgovori\/se-sprasujete-kaj-so-makrobonitetne-omejitve\/\">Ve\u010d<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"template":"","cat_faq":[76,96,77,78],"class_list":["post-6421","faq","type-faq","status-publish","hentry","cat_faq-ekskluzivni-stanovanjski-kredit","cat_faq-hitri-kredit-za-mlade","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 so makrobonitetne omejitve? - 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-so-makrobonitetne-omejitve\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kaj so makrobonitetne omejitve? - Gorenjska banka\" \/>\n<meta property=\"og:description\" content=\"Pri najemu kredita je treba upo\u0161tevati makrobonitetne omejitve. 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