{"id":6256,"date":"2008-11-17T14:17:32","date_gmt":"2008-11-17T19:17:32","guid":{"rendered":"http:\/\/www.visit-ulcinj.com\/blog\/?p=6256"},"modified":"2008-11-17T14:17:32","modified_gmt":"2008-11-17T19:17:32","slug":"podgoricka-i-hipotekarna-banka-sigurne-u-krizi","status":"publish","type":"post","link":"https:\/\/www.visit-ulcinj.com\/blog\/2008\/11\/17\/podgoricka-i-hipotekarna-banka-sigurne-u-krizi\/","title":{"rendered":"Podgori?ka i Hipotekarna banka sigurne u krizi"},"content":{"rendered":"

\"\"<\/a>PODGORICA – Crnogorske banke koje su dominantno davale hipotekarne kredite mogu biti u te\u0161ko?ama, ocijenio je generalni direktor Podgori?ke banke Societe Generale Mladen Rabrenovi?.
\nFirme koje, kako je kazao, ne budu mogle da vra?aju kredite, pravi?e probleme bankama.
\n“Pitanje je kako ?e, po kojoj cijeni i da li ?e uop\u0161te banke mo?i da prodaju ove nekretnine, kad to ne uspijevaju gra?evinske firme”, rekao je Rabrenovi? Pobjedi uz napomenu da Podgori?ka banka nije me?u onima koju su dominantno davale hipotekarne kredite.
\nKlju?nu ulogu, kako je dodao, kad su banke u pitanju, igra i odnos kredita i hipoteke.
\n“Ako su se banke obezbje?ivale najmanje u odnosu jedan prema dva, odna ima prostora za smanjenje cijene i naplatu banke. Gra?evinske firme ?e imati velikih problema – mora?e da \u017ertvuju imovinu koja je zalo\u017eena kod banaka”, naveo je Rabrenovi?.
\nBanke ?e smanjivati cijene nekretnina da bi se naplatile, a, prema rije?ima Rabrenovi?a, veliki problem bi?e konstantan nedostatak tra\u017enje.
\nNi Hipotekarna banka, kako tvrde njeni predstavnici, nije dominantno odobravala hipotekarne kredite.
\n“Poslovna politika na\u0161e banke bila je jako konzervativna – kredite smo odobravali samo bonitentnim klijentima”, kazala je direktor Komercijalnog sektora Hipotekarne banke, Ana Golubovi?.
\nOna je objasnila da je izvor otplate kredita realan biznis klijenta, a ne naplata kroz prodaju kolaterala.
\n“Na taj na?in i rizik od nemogu?nosti da klijenti vra?aju kredite, sveden je na minimum. Kao univerzalna banka, poslujemo i sa gra?evinskim kompanijama, ali je izlo\u017eenost prema njima neznatna”, tvrdi Golubovi?.
\nRabrenovi? o?ekuje da, ukoliko kriza bude imala velike posljedice na ekonomiju Crne Gore, poslovne banke, u saradnji sa Centralnom bankom i Ministarstvom finansija, na?u model da relaksiraju du\u017enike – u mjeri u kojoj je to mogu?e. Jedan od na?ina je i prolonigranje rokova otplate kredita, koje ne?e biti pra?eno sankcijama ili radikalno ve?im rezervacijama.
\n“Kriza na crnogorskom tr\u017ei\u0161tu nekretnina nema mnogo veze sa svjetskom finansijskom. Nju smo sami proizveli, to moramo priznati”, smatra Rabrenovi?.
\nOn se nada da u narednoj godini ne?e biti velikih bankrota u crnogorskoj privredi.
\n“Realno je mogu?e da ?e drasti?an pad cijena nekretnina prouzrokovati bankrote, ali je za ozbiljan odgovor potrebna kvalitetna analiza. Bankrot je potpuno normalna pojava i to se doga?a ne samo u periodu krize, nego i konjukture”, kazao je Rabrenovi?.
\nIz Centralne banke ranije su saop\u0161tili da je vrijednost nekretnina koje su pod hipotekom, na nivou bankarskog sektora 2,5 puta ve?a od vrijednosti kredita. To, kako je ocijenjeno, ostavlja prostor da se banke, velikim sni\u017eavanjem cijena nekretnina, namire.
\nIzvor \/ Mina-business <\/strong><\/p>\n\n","protected":false},"excerpt":{"rendered":"

PODGORICA – Crnogorske banke koje su dominantno davale hipotekarne kredite mogu biti u te\u0161ko?ama, ocijenio je generalni direktor Podgori?ke banke Societe Generale Mladen Rabrenovi?. Firme koje, kako je kazao, ne budu mogle da vra?aju kredite, pravi?e probleme bankama. “Pitanje je kako ?e, po kojoj cijeni i da li ?e uop\u0161te banke mo?i da prodaju ove […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[12],"tags":[5077],"jetpack_publicize_connections":[],"yoast_head":"\nPodgori?ka i Hipotekarna banka sigurne u krizi - Lajme nga Ulqini<\/title>\n<meta name=\"description\" content=\"PODGORICA - Crnogorske banke koje su dominantno davale hipotekarne kredite mogu biti u te\u0161ko?ama, ocijenio je generalni direktor Podgori?ke banke Societe\" \/>\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.visit-ulcinj.com\/blog\/2008\/11\/17\/podgoricka-i-hipotekarna-banka-sigurne-u-krizi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Podgori?ka i Hipotekarna banka sigurne u krizi - 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