{"id":7346,"date":"2025-06-02T21:00:45","date_gmt":"2025-06-02T19:00:45","guid":{"rendered":"https:\/\/atb.law\/?post_type=blog-post&#038;p=7346"},"modified":"2025-07-29T09:19:02","modified_gmt":"2025-07-29T07:19:02","slug":"naknada-za-kredit-je-nezakonita","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/bs\/blog-post\/ogh-kreditgebuehr-unzulaessig\/","title":{"rendered":"Naknade za obradu kredita progla\u0161ene nezakonitim: Presuda Vrhovnog suda otvara put za povrat novca"},"content":{"rendered":"<h2 id=\"page-der-anlassfall-intransparente-klauseln-im-kreditvertrag\"><strong>Predmetni slu\u010daj: Netransparentne klauzule u ugovoru o zajmu <\/strong><\/h2>\n<p>U sr\u017ei presude Vrhovnog suda bila je klauzula u op\u0107im uvjetima WSK Banke koja je, uz naknadu za obradu od 4\u202f%, predvi\u0111ala dodatne tro\u0161kove kao \u0161to su naknade za naplatu, naknade za prijenos te tro\u0161kovi tiska i po\u0161te. Ti su iznosi napla\u0107ivani na ra\u010dun kredita ili odbijani od iznosa isplate.<\/p>\n<p>Vrhovni sud je jasno istakao da takva strukturirana naknada nedostaje transparentnosti. Banka napla\u0107uje usluge koje su ionako dio njenih obaveza pri odobravanju kredita \u2013 i to vi\u0161e puta. Po mi\u0161ljenju suda, takav aran\u017eman stavlja zajmoprimce u nerazumno nepovoljan polo\u017eaj.<\/p>\n<h2 id=\"page-was-bedeutet-das-fur-konsumentinnen\"><strong>\u0160ta ovo zna\u010di za potro\u0161a\u010de?<\/strong><\/h2>\n<p>Mnogi ugovori o zajmu sadr\u017ee sli\u010dan jezik ili klauzule. Ovo se posebno odnosi na ugovore u kojima su napla\u0107ivane pau\u0161alne administrativne naknade, na primjer kao postotak iznosa zajma ili kao pau\u0161alna naknada za obradu zajma i sklapanje ugovora.<\/p>\n<p>Potro\u0161a\u010di sada imaju mogu\u0107nost da se ovi tro\u0161kovi preispitaju. U slu\u010daju nepo\u0161tenih odredbi, iznos koji je ve\u0107 pla\u0107en mo\u017ee se vratiti \u2013 \u010dak i za kredite koji su ve\u0107 otpla\u0107eni. To je zato \u0161to ovi zahtjevi \u2013 koji obi\u010dno iznose nekoliko hiljada eura \u2013 nisu zastarjeli sve do 30 godina nakon uplate i na njih se obra\u010dunava kamata po godi\u0161njoj stopi od \u010detiri posto.<\/p>\n<h2 id=\"page-worauf-sollten-kreditnehmerinnen-achten\"><strong>Na \u0161ta bi zajmoprimci trebali paziti?<\/strong><\/h2>\n<p>Molimo provjerite svoj ugovor o kreditu, obra\u0107aju\u0107i posebnu pa\u017enju na sljede\u0107e odredbe:<\/p>\n<ul>\n<li>\u201e&#x27;Naknada za obradu&#x27; ili &#x27;naknada za obradu&#x27;\u201c<\/li>\n<li>\u00a0\u201e&#x27;Naknada za ugovaranje kredita&#x27; ili &#x27;tro\u0161kovi zajma&#x27;\u201c<\/li>\n<li>Jednokratne naknade za prikupljanje, pla\u0107anje ili administraciju<\/li>\n<li>Tro\u0161kovi \u0161tampe i po\u0161te<\/li>\n<li>Naknada za vrednovanje<\/li>\n<li>Naknada za zahtjev za upis u zemlji\u0161ni registar i izvod iz zemlji\u0161nog registra<\/li>\n<\/ul>\n<p>Takve klauzule mogu biti nezakonite ako nisu jasno razumljive ili ako se ista usluga napla\u0107uje dvaput.<\/p>\n<h2 id=\"page-fazit-prufung-lohnt-sich\"><strong>Zaklju\u010dak: Vrijedi to provjeriti.<\/strong><\/h2>\n<p>Presuda Vrhovnog suda donosi jasno\u0107u i ja\u010da prava zajmoprimaca. Svako ko je u posljednjih nekoliko godina sklopio ugovor o zajmu sada bi ga trebao pa\u017eljivo provjeriti. Ovu provjeru mo\u017eemo obaviti za vas besplatno i bez ikakve obaveze.<\/p>\n<p><a href=\"https:\/\/atb.law\/bs\/naknade-za-obradu-kredita-su-nezakonite\/\" target=\"_blank\" rel=\"noopener\">Saznajte vi\u0161e o ovoj temi<\/a><\/p>\n<p data-start=\"1549\" data-end=\"1645\"><br data-start=\"1795\" data-end=\"1798\" \/><strong>Za dodatne informacije i po\u010detnu procjenu, molimo kontaktirajte <a href=\"https:\/\/atb.law\/bs\/anela-bloech\/\">Anela Bl\u00f6ch<\/a> i\u00a0<a href=\"https:\/\/atb.law\/bs\/clan-tima\/roman-taudes\/\">Roman Taudes<\/a> u bilo koje vrijeme na <a href=\"mailto:office@atb.law\">office@atb.law<\/a> ili telefonom na <a href=\"tel:+4313912345\">01 39 12345<\/a> dostupno.<\/strong><\/p>","protected":false},"template":"","categories":[39],"class_list":["post-7346","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-anlegerrecht"],"acf":[],"post-kategorie":"39","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"In welchen F\u00e4llen Sie die bereits bezahlte Bearbeitungsgeb\u00fchren zur\u00fcckfordern k\u00f6nnen","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7342","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Anela Bl\u00f6ch","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"7314","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kreditbearbeitungsgeb\u00fchren unzul\u00e4ssig: OGH-Urteil erm\u00f6glicht R\u00fcckforderung | ATB.LAW<\/title>\n<meta name=\"description\" content=\"Der OGH erkl\u00e4rt Kreditbearbeitungsgeb\u00fchren f\u00fcr unzul\u00e4ssig. 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