{"id":258,"date":"2025-10-29T11:03:14","date_gmt":"2025-10-29T11:03:14","guid":{"rendered":"https:\/\/najnizekamate.com\/?page_id=258"},"modified":"2026-03-02T18:30:16","modified_gmt":"2026-03-02T18:30:16","slug":"najpovoljniji-stambeni-krediti","status":"publish","type":"page","link":"https:\/\/najnizekamate.com\/?page_id=258","title":{"rendered":"Najpovoljniji Stambeni krediti"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"258\" class=\"elementor elementor-258\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ff33fae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ff33fae\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-317a1dde\" data-id=\"317a1dde\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68bef86d elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"68bef86d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Stambeni krediti: najni\u017ee kamate, jasni uslovi, brza realizacija<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ad2ba5e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5ad2ba5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tra\u017eite stan ili ku\u0107u. \u017delite sigurnu ratu i najbolju kamatu. Mi sre\u0111ujemo sve korake i stavljamo ponude na jedan ekran. Vi birate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4368d9 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"e4368d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQwMiIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Po\u0161aljite Upit<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7aaa2c51 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-invisible\" data-id=\"7aaa2c51\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-36e5d9f\" data-id=\"36e5d9f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-471c467e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"471c467e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-200481fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"200481fe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44cfb8d1\" data-id=\"44cfb8d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c7eb628 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1c7eb628\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kako mo\u017eemo pomo\u0107i?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a78b5dc elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a78b5dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prikupimo sve ponude koje odgovaraju va\u0161em bud\u017eetu i dokumentima. Pore\u0111enje je jasno. Obja\u0161njenje je jednostavno. Proces vodimo do isplate.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72bdddbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72bdddbc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a08839a\" data-id=\"3a08839a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78776d63 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"78776d63\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PAMETAN IZBOR KAMATE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3693ba87 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3693ba87\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1429\" data-end=\"1627\">Fiksna rata donosi mir. Varijabilna daje ni\u017ei start, ali menja se s tr\u017ei\u0161tem. Me\u0161ovita kombinuje stabilnost i fleksibilnost. Va\u017ena je va\u0161a tolerancija na rizik i plan du\u017eine otplate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f3b22a elementor-widget__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2f3b22a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQwMiIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Iskoristi besplatno savetovanje<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-32f5440f elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-invisible\" data-id=\"32f5440f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-584e0406\" data-id=\"584e0406\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6eb634b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6eb634b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30883861 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30883861\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4718412c\" data-id=\"4718412c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7d2158ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d2158ba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3daf7ef4\" data-id=\"3daf7ef4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ddc3299 elementor-widget elementor-widget-heading\" data-id=\"5ddc3299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dokumentacija koju banke tra\u017ee<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-54657654\" data-id=\"54657654\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4148a232 elementor-widget elementor-widget-text-editor\" data-id=\"4148a232\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1899\" data-end=\"2107\">Za klijenta: zahtev banke, administrativna zabrana, potvrda o zaposlenju i primanjima, obra\u010duni zarade, va\u017ee\u0107i li\u010dni dokumenti, a \u010desto i zahtev za osiguranjem kod nadle\u017ene institucije ukoliko banka to tra\u017ei.<\/p><p data-start=\"2109\" data-end=\"2335\">Za nekretninu: predugovor ili ugovor, sve\u017e list nepokretnosti, procena vrednosti ovla\u0161\u0107enog procenitelja, identifikacija prodavca, zaloga i upis hipoteke. Za objekte u izgradnji potrebna je kompletna gra\u0111evinska dokumentacija.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6ce577f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ce577f6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-47cb7e02\" data-id=\"47cb7e02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65eb3fcc elementor-widget elementor-widget-heading\" data-id=\"65eb3fcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tro\u0161kovi koje treba planirati<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7477d04\" data-id=\"7477d04\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-262e21d2 elementor-widget elementor-widget-text-editor\" data-id=\"262e21d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2375\" data-end=\"2668\">Planirajte tro\u0161kove dokumentacije, procene, notara, katastra, osiguranja imovine i bankarske naknade. Tipi\u010dno se pojavljuju: izve\u0161taj kreditnog biroa, list nepokretnosti, procena, overe i upisi, polisa osiguranja i administrativne naknade. Iznosi zavise od vrednosti kupovine i politike banke.<\/p><p data-start=\"2670\" data-end=\"2839\">Za ilustraciju, kod iznosa kredita oko 100.000 evra, budite spremni na takse katastru, notarske overe i dodatne takse. Precizan zbir varira po banci i predmetu kupovine.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-363abad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"363abad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-066cb90\" data-id=\"066cb90\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4d45d0 elementor-widget elementor-widget-heading\" data-id=\"b4d45d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Koliko mo\u017ee da iznosi kredit i kolika je rata<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-88c0f67\" data-id=\"88c0f67\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8eb730 elementor-widget elementor-widget-text-editor\" data-id=\"b8eb730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Okvirne tabele u praksi pokazuju odnos mese\u010dnih primanja, maksimalne rate i procenjenog iznosa kredita za du\u017ei rok otplate, pod uslovom da klijent nema druga zadu\u017eenja. Na primer, za primanja od 500 do 1.000 evra mese\u010dno, banke ograni\u010davaju ratu i kreditni iznos prema internim pravilima rizi\u010dnosti. Ta\u010dan prora\u010dun zavisi od stope, roka i va\u0161e ukupne zadu\u017eenosti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-744bab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"744bab0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5dfe5eb\" data-id=\"5dfe5eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb0ac5c elementor-widget elementor-widget-heading\" data-id=\"cb0ac5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Koliko traje proces<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66ee3de\" data-id=\"66ee3de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-779693b elementor-widget elementor-widget-text-editor\" data-id=\"779693b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Za starogradnju, uz spremnu dokumentaciju, proces od prijave do isplate mo\u017ee trajati nekoliko nedelja. Za novogradnju je \u010desto du\u017ei, jer banke \u010dekaju odre\u0111eni stepen zavr\u0161enosti objekta pre odobrenja. Planirajte: prikupljanje ponuda, kompletiranje papira, odobrenje, preduslove za isplatu i samu isplatu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-adb8504 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"adb8504\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9fc3440\" data-id=\"9fc3440\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c74c9be elementor-widget elementor-widget-heading\" data-id=\"c74c9be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Na\u0161 proces u tri koraka<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ecc59d6\" data-id=\"ecc59d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf9347c elementor-widget elementor-widget-text-editor\" data-id=\"cf9347c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"4167\" data-end=\"4220\"><p data-start=\"4170\" data-end=\"4220\">Kratka prijava i okvirna procena bud\u017eeta i rate.<\/p><\/li><li data-start=\"4221\" data-end=\"4269\"><p data-start=\"4224\" data-end=\"4269\">Prikupimo ponude i jasno objasnimo razlike.<\/p><\/li><li data-start=\"4270\" data-end=\"4314\"><p data-start=\"4273\" data-end=\"4314\">Spremimo papire i pratimo vas do isplate.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e18d666 elementor-widget__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e18d666\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQwMiIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Iskoristi besplatno savetovanje<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b3544ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b3544ff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a826097\" data-id=\"2a826097\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cf633a2 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1cf633a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Va\u017eno Obave\u0161tenje:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339c1f2a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"339c1f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sve informacije na ovoj stranici su informativnog karaktera. Politike banaka, kamate i tro\u0161kovi se menjaju. Za zvani\u010dnu ponudu va\u017ei obra\u010dun i dokumentacija banke.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb4f3f elementor-widget__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4fb4f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQwMiIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Popunite upitnik<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-76fb941a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-invisible\" data-id=\"76fb941a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3db87440\" data-id=\"3db87440\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73085514 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"73085514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d0628d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d0628d1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b76dce6\" data-id=\"b76dce6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24c6589 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24c6589\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d11420\" data-id=\"8d11420\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-095dd14 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"095dd14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FAQs<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8d6bd elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6d8d6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u010cesto postavljena pitanja:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4dbff85 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"4dbff85\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0dd6945\" data-id=\"0dd6945\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73f3f66 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"73f3f66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e1439b4dc3b\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-73f3f66\">\n                        <a href=\"#collapse-544f66169e1439b4dc3b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-544f66169e1439b4dc3b\" aria-expanded=\"true\" aria-controls=\"Collapse-544f66169e1439b4dc3b\">\n                            \n                            <span class=\"ekit-accordion-title\">01. Koje je minimalno u\u010de\u0161\u0107e danas?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-544f66169e1439b4dc3b\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-73f3f66\" data-parent=\"#accordion-69e1439b4dc3b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Uobi\u010dajeno minimalno u\u010de\u0161\u0107e je 10 procenata, ali ve\u0107ina banaka i dalje tra\u017ei oko 20 procenata u praksi.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-73f3f66\">\n                        <a href=\"#collapse-560690769e1439b4dc3b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-560690769e1439b4dc3b\" aria-expanded=\"false\" aria-controls=\"Collapse-560690769e1439b4dc3b\">\n                            \n                            <span class=\"ekit-accordion-title\">02. Da li je osiguranje kredita uvek obavezno?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-560690769e1439b4dc3b\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-73f3f66\" data-parent=\"#accordion-69e1439b4dc3b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Zavisi od banke i slu\u010daja. Premija mo\u017ee varirati u nekoliko procenata ukupnog iznosa kredita.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-73f3f66\">\n                        <a href=\"#collapse-daf52db69e1439b4dc3b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-daf52db69e1439b4dc3b\" aria-expanded=\"false\" aria-controls=\"Collapse-daf52db69e1439b4dc3b\">\n                            \n                            <span class=\"ekit-accordion-title\">03. Gde je najpovoljniji stambeni kredit?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-daf52db69e1439b4dc3b\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-73f3f66\" data-parent=\"#accordion-69e1439b4dc3b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Ne postoji jedna \u201cnajpovoljnija\u201d banka za sve, jer uslovi zavise od iznosa, u\u010de\u0161\u0107a, primanja, sta\u017ea i tipa kamate. Mi besplatno uporedimo ponude vi\u0161e banaka i prona\u0111emo najni\u017eu efektivnu kamatu i ukupnu cenu za Va\u0161 profil. Po\u0161aljite iznos, u\u010de\u0161\u0107e i prihod, pa Vam damo konkretnu najbolju opciju.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-73f3f66\">\n                        <a href=\"#collapse-6ea0b6c69e1439b4dc3b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6ea0b6c69e1439b4dc3b\" aria-expanded=\"false\" aria-controls=\"Collapse-6ea0b6c69e1439b4dc3b\">\n                            \n                            <span class=\"ekit-accordion-title\">04. Da li se kredit mo\u017ee plasirati ako nekretnina nije uknji\u017eena?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6ea0b6c69e1439b4dc3b\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-73f3f66\" data-parent=\"#accordion-69e1439b4dc3b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Stambeni kredit mo\u017ee biti odobren i kada nekretnina nije uknji\u017eena ili je u izgradnji. Pre isplate kredita neophodno je upisati hipoteku u korist banke na nekretnini koja slu\u017ei kao obezbe\u0111enje.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-73f3f66\">\n                        <a href=\"#collapse-8d3433e69e1439b4dc3b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8d3433e69e1439b4dc3b\" aria-expanded=\"false\" aria-controls=\"Collapse-8d3433e69e1439b4dc3b\">\n                            \n                            <span class=\"ekit-accordion-title\">05. \u0160ta mi ta\u010dno treba od papira?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-left-arrows\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8d3433e69e1439b4dc3b\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-73f3f66\" data-parent=\"#accordion-69e1439b4dc3b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Zahtev, administrativna zabrana, potvrde o primanjima, obra\u010duni zarade, li\u010dni dokumenti i dokumentacija za nekretninu. Kod novogradnje i posebnih slu\u010dajeva tra\u017ee se dodatna akta.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Stambeni krediti: najni\u017ee kamate, jasni uslovi, brza realizacija Tra\u017eite stan ili ku\u0107u. \u017delite sigurnu ratu i najbolju kamatu. Mi sre\u0111ujemo sve korake i stavljamo ponude na jedan ekran. Vi birate. Po\u0161aljite Upit Kako mo\u017eemo pomo\u0107i? Prikupimo sve ponude koje odgovaraju va\u0161em bud\u017eetu i dokumentima. Pore\u0111enje je jasno. Obja\u0161njenje je jednostavno. Proces vodimo do isplate. PAMETAN [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-258","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/pages\/258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/najnizekamate.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=258"}],"version-history":[{"count":34,"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/pages\/258\/revisions"}],"predecessor-version":[{"id":485,"href":"https:\/\/najnizekamate.com\/index.php?rest_route=\/wp\/v2\/pages\/258\/revisions\/485"}],"wp:attachment":[{"href":"https:\/\/najnizekamate.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}