Potrošački krediti - Your Europe

<!DOCTYPE HTML><html lang="hr"> <head> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"> <meta http-equiv="X-UA-Compatible" content="IE=Edge"> <meta charset="UTF-8"> <meta name="description" content="Potrošački krediti"> <meta name="date" content="01/01/2022"> <meta name="last-modified" content="04/11/2024"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <meta name="format-detection" content="telephone=no"> <meta property="og:title" content="Potrošački krediti - Your Europe"> <meta property="og:url" content="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm"> <meta property="og:image" content="https://europa.eu/youreurope/citizens/images/logos/youreurope_facebook_share_logo.png"> <meta property="og:site_name" content="Your Europe"> <meta property="og:description" content="Potrošački krediti"> <meta name="twitter:card" content="summary_large_image"> <meta name="twitter:site" content="@YourEuropeEu"> <meta name="twitter:creator" content="@YourEuropeEu"> <meta name="twitter:title" content="Potrošački krediti - Your Europe"> <meta name="twitter:description" content="Potrošački krediti"> <meta name="twitter:image" content="https://europa.eu/youreurope/citizens/images/logos/youreurope_twitter_share_logo.png"> <meta name="sdg-tag" content="sdg"> <meta name="DC.ISO3166" content="EU"> <meta name="DC.Service" content="information"> <meta name="policy-code" content="H1;H5"> <link rel="canonical" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm"> <link rel="amphtml" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/indexamp_hr.htm"> <link rel="shortcut icon" href="https://european-union.europa.eu/profiles/contrib/ewcms/themes/ewcms_theme/favicon.ico" type="image/x-icon"> <link rel="apple-touch-icon" sizes="57x57" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-57x57.png"> <link rel="apple-touch-icon" sizes="72x72" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-72x72.png"> <link rel="apple-touch-icon" sizes="114x114" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-114x114.png"> <link rel="apple-touch-icon" sizes="144x144" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-144x144.png"> <link rel="apple-touch-icon-precomposed" sizes="57x57" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-57x57-precomposed.png"> <link rel="apple-touch-icon-precomposed" sizes="72x72" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-72x72-precomposed.png"> <link rel="apple-touch-icon-precomposed" sizes="114x114" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-114x114-precomposed.png"> <link rel="apple-touch-icon-precomposed" sizes="144x144" href="https://europa.eu/youreurope/citizens/images/touch-icons/apple-icon-144x144-precomposed.png"> <link rel="stylesheet" type="text/css" href="/youreurope/citizens/stylesheets/europa-ye-V2.css"> <title>Potrošački krediti - Your Europe</title> </head> <body> <div id="ye-navigation-field"></div> <header id="site-header"> <section id="ye-top-header" class="container"><a id="ye-logo" href="https://europa.eu/youreurope/index_hr.htm"><img lang="en" title="Your Europe" alt="Your Europe" src="/youreurope/citizens/images/logos/youreurope-logo.svg"></a><div> <div id="ye-languages-widget" class="centered"><button id="ye-languages-toggle"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-ec-icons.svg#language"></use></svg><span>hr</span>hrvatski</button><div id="ye-languages-menu" role="dialog" class=""> <div> <div> <div> <div lang="en">Available languages</div><button id="close-ye-languages-menu" class="close-btn" title="Zatvori izbornik"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#close-filled"></use></svg><span>Zatvori izbornik</span></button></div> <div> <ul> <li><a lang="bg" hreflang="bg" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_bg.htm"><span>bg</span><span><span>български</span></span></a></li> <li><a lang="cs" hreflang="cs" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_cs.htm"><span>cs</span><span><span>čeština</span></span></a></li> <li><a lang="da" hreflang="da" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_da.htm"><span>da</span><span><span>Dansk</span></span></a></li> <li><a lang="de" hreflang="de" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_de.htm"><span>de</span><span><span>Deutsch</span></span></a></li> <li><a lang="et" hreflang="et" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_et.htm"><span>et</span><span><span>Eesti</span></span></a></li> <li><a lang="el" hreflang="el" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_el.htm"><span>el</span><span><span>Ελληνικά</span></span></a></li> <li><a lang="en" hreflang="en" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_en.htm"><span>en</span><span><span>English</span></span></a></li> <li><a lang="es" hreflang="es" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_es.htm"><span>es</span><span><span>español</span></span></a></li> <li><a lang="fr" hreflang="fr" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_fr.htm"><span>fr</span><span><span>français</span></span></a></li> <li><a lang="hr" hreflang="hr" class="active" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm"><span>hr</span><span><span>hrvatski</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></a></li> <li><a lang="it" hreflang="it" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_it.htm"><span>it</span><span><span>italiano</span></span></a></li> <li><a lang="lv" hreflang="lv" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_lv.htm"><span>lv</span><span><span>Latviešu</span></span></a></li> <li><a lang="lt" hreflang="lt" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_lt.htm"><span>lt</span><span><span>Lietuvių</span></span></a></li> <li><a lang="hu" hreflang="hu" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hu.htm"><span>hu</span><span><span>magyar</span></span></a></li> <li><a lang="mt" hreflang="mt" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_mt.htm"><span>mt</span><span><span>Malti</span></span></a></li> <li><a lang="nl" hreflang="nl" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_nl.htm"><span>nl</span><span><span>Nederlands</span></span></a></li> <li><a lang="pl" hreflang="pl" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_pl.htm"><span>pl</span><span><span>polski</span></span></a></li> <li><a lang="pt" hreflang="pt" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_pt.htm"><span>pt</span><span><span>português</span></span></a></li> <li><a lang="ro" hreflang="ro" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_ro.htm"><span>ro</span><span><span>română</span></span></a></li> <li><a lang="sk" hreflang="sk" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_sk.htm"><span>sk</span><span><span>Slovenčina</span></span></a></li> <li><a lang="sl" hreflang="sl" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_sl.htm"><span>sl</span><span><span>Slovenščina</span></span></a></li> <li><a lang="fi" hreflang="fi" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_fi.htm"><span>fi</span><span><span>suomi</span></span></a></li> <li><a lang="sv" hreflang="sv" class="" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_sv.htm"><span>sv</span><span><span>svenska</span></span></a></li> </ul> </div> </div> </div> </div> </div> <div id="ye-search-widget"><button id="ye-search-button"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#search"></use></svg>Pretraži</button><form id="ye-search-tool" action="https://europa.eu/youreurope/search-results/index_hr.htm" method="get" target="_top" autocomplete="off" novalidate><input type="hidden" name="countryCode" id="countryCode" value=""><input type="hidden" name="categories" id="categories" value="H1;H5"><div><label for="ye-search-terms">Search terms</label><input type="text" id="ye-search-terms" value="" required="true" placeholder="Odaberite svoju državu"><div id="eu-countries-list"> <ul> <li><a href="#" data-country-code="AT">Austrija</a></li> <li><a href="#" data-country-code="BE">Belgija</a></li> <li><a href="#" data-country-code="BG">Bugarska</a></li> <li><a href="#" data-country-code="CY">Cipar</a></li> <li><a href="#" data-country-code="CZ">Češka</a></li> <li><a href="#" data-country-code="DK">Danska</a></li> <li><a href="#" data-country-code="EE">Estonija</a></li> <li><a href="#" data-country-code="FI">Finska</a></li> <li><a href="#" data-country-code="FR">Francuska</a></li> <li><a href="#" data-country-code="EL">Grčka</a></li> <li><a href="#" data-country-code="HR">Hrvatska</a></li> <li><a href="#" data-country-code="IE">Irska</a></li> <li><a href="#" data-country-code="IT">Italija</a></li> <li><a href="#" data-country-code="LV">Latvija</a></li> <li><a href="#" data-country-code="LT">Litva</a></li> <li><a href="#" data-country-code="LU">Luksemburg</a></li> <li><a href="#" data-country-code="HU">Mađarska</a></li> <li><a href="#" data-country-code="MT">Malta</a></li> <li><a href="#" data-country-code="NL">Nizozemska</a></li> <li><a href="#" data-country-code="DE">Njemačka</a></li> <li><a href="#" data-country-code="PL">Poljska</a></li> <li><a href="#" data-country-code="PT">Portugal</a></li> <li><a href="#" data-country-code="RO">Rumunjska</a></li> <li><a href="#" data-country-code="SK">Slovačka</a></li> <li><a href="#" data-country-code="SI">Slovenija</a></li> <li><a href="#" data-country-code="ES">Španjolska</a></li> <li><a href="#" data-country-code="SE">Švedska</a></li> </ul> </div> </div><button type="submit" class="standard search"><span>Pretraži</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#search"></use></svg></button></form> </div> </div> </section> <section id="ye-navigation-set"> <div class="container"><button id="open-ye-menu"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#hamburger"></use></svg><span>Izbornik</span></button><nav id="ye-navigation"> <div> <div>Izbornik</div><button id="close-ye-menu" class="close-btn" title="Zatvori izbornik"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#close-filled"></use></svg><span>Zatvori izbornik</span></button></div> <ul> <li><a href="https://europa.eu/youreurope/index_hr.htm">Pretraži</a></li> <li class="group active"><a href="https://europa.eu/youreurope/citizens/index_hr.htm">Život i putovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/index_hr.htm">Putovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/index_hr.htm">Dokumenti koji su vam potrebni za putovanje po Europi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/eu-citizen/index_hr.htm">Putne isprave za građane EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/non-eu-family/index_hr.htm">Putne isprave za članove obitelji koji nisu državljani države članice EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/non-eu-nationals/index_hr.htm">Putne isprave za državljane trećih zemalja</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/eu-nationals-living-uk/index_hr.htm">Travel documents for EU nationals and their non-EU family members residing in the UK</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/uk-nationals-living-eu-country/index_hr.htm">Travel documents for UK nationals and their family members residing in an EU country</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/expired-lost-passports/index_hr.htm">Istekle ili izgubljene putovnice</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/entry-exit/travel-documents-minors/index_hr.htm">Dokumenti za maloljetne osobe koje putuju u EU-u</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/index_hr.htm">Prava putnika<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/air/index_hr.htm">Prava putnika u zračnom prometu</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/rail/index_hr.htm">Prava putnika u željezničkom prometu</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/bus-and-coach/index_hr.htm">Prava putnika u autobusnom prometu</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/passenger-rights/ship/index_hr.htm">Prava putnika u brodskom prijevozu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/index_hr.htm">Prijevoz i invaliditet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/reduced-mobility/index_hr.htm">Prava putnika s invaliditetom ili sa smanjenom pokretljivošću</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/transport-disability/parking-card-disabilities-people/index_hr.htm">Parkirna karta EU-a za osobe s invaliditetom</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/index_hr.htm">Vožnja u inozemstvu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/car-rental-abroad/index_hr.htm">Najam automobila</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/driving-licence-and-insurance/index_hr.htm">Vozačke dozvole i osiguranja</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/driving-abroad/road-rules-and-safety/index_hr.htm">Prometna pravila i sigurnost</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/carry/index_hr.htm">Što smijete nositi sa sobom kad putujete?<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/alcohol-tobacco-cash/index_hr.htm">Alkohol, duhan i trošarine</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/carrying-cash/index_hr.htm">Pravila za nošenje gotovine pri ulasku u EU, izlasku iz EU-a i tijekom putovanja EU-om</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/pets-and-other-animals/index_hr.htm">Putovanje s kućnim ljubimcima i drugim životinjama u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/luggage-restrictions/index_hr.htm">Ograničenja koja se odnose na prtljagu</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/meat-dairy-animal/index_hr.htm">Nošenje na put proizvoda životinjskog podrijetla, hrane ili biljaka</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/using-euro/index_hr.htm">Upotreba eura</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/index_hr.htm">Sigurnost i hitni slučajevi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/airport-airline-security/index_hr.htm">Sigurnost zračnih luka i zračnih prijevoznika</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency/index_hr.htm">Hitni slučajevi</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency-assistance-vehicles-ecall/index_hr.htm">Hitna pomoć koja se temelji na službi 112 s pomoću e-poziva (eCall) iz vašeg vozila</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/holidays/index_hr.htm">Paket-putovanja i vremenski ograničena uporaba nekretnine<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/timeshare/index_hr.htm">Ugovori o pravu na vremenski ograničenu uporabu nekretnine i drugi dugoročni ugovori za odmor u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/package-travel/index_hr.htm">Paket-putovanja i povezani putni aranžmani</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/index_hr.htm">Rad i mirovina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/work-abroad/index_hr.htm">Rad u inozemstvu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/cross-border-commuters/index_hr.htm">Dnevni migranti</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_hr.htm">Jednako postupanje na radnom mjestu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_hr.htm">Upućeni radnici</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_hr.htm">Rad u javnom sektoru u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_hr.htm">Radne dozvole</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_hr.htm">Ugovori o radu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_hr.htm">Pravila EU-a za rad u cestovnom prometu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_hr.htm">Osiguranje od odgovornosti u drugim zemljama EU-a</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_hr.htm">Stručne kvalifikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_hr.htm">Što je regulirana profesija</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_hr.htm">Podnošenje zahtjeva za trajno pružanje usluga</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_hr.htm">Prijava privremenog pružanja usluga</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_hr.htm">Dokumenti i formalnosti</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_hr.htm">Europska strukovna iskaznica – EPC</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_hr.htm">EU – UK: stručne kvalifikacije</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_hr.htm">Sustavi socijalnog osiguranja i prava njihovih korisnika<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_hr.htm">Sustavi socijalnog osiguranja u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_hr.htm">Pokrivenost sustavom socijalne sigurnosti u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_hr.htm">Naknade za nezaposlene u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_hr.htm">Prijenos naknada za nezaposlenost</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_hr.htm">Ako ne uspijete pronaći posao</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_hr.htm">Obiteljske naknade</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_hr.htm">Obiteljska mirovina i posmrtna pripomoć</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_hr.htm">Standardni obrasci za ostvarivanje prava iz sustava socijalne sigurnosti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_hr.htm">Umirovljenje u inozemstvu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_hr.htm">Dopunske mirovine u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_hr.htm">Državne mirovine u inozemstvu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_hr.htm">Porezi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_hr.htm">Porez na dohodak u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_hr.htm">Dvostruko oporezivanje</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_hr.htm">Vozila<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_hr.htm">Automobili<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_hr.htm">Kupnja i leasing automobila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_hr.htm">PDV pri kupnji ili prodaji automobila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_hr.htm">Službeni automobili</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_hr.htm">Vozačka dozvola<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_hr.htm">Zamjena i priznavanje vozačke dozvole u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_hr.htm">Dobivanje vozačke dozvole u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_hr.htm">Produljenje vozačke dozvole u drugoj zemlji EU-a</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_hr.htm">Osiguranje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_hr.htm">Valjanost automobilskog osiguranja u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_hr.htm">Pokrivenost automobilskim osiguranjem u inozemstvu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_hr.htm">Registracija<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_hr.htm">Dokumenti i postupci za registriranje automobila</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_hr.htm">Registracija automobila u drugoj državi članici EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_hr.htm">Porez na automobile u drugoj državi članici EU-a</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_hr.htm">Boravak<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_hr.htm">Prava na boravak<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_hr.htm">Gospodarski neaktivni građani EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_hr.htm">Tražitelji posla – prava boravka</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_hr.htm">Umirovljenici – prava boravka</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_hr.htm">Studenti – pravo na boravak</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_hr.htm">Radnici – prava boravka</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_hr.htm">Prava na boravak građana EU-a u Ujedinjenoj Kraljevini i državljana Ujedinjene Kraljevine u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_hr.htm">Naturalizacija</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_hr.htm">Prava boravka za obitelji<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_hr.htm">Bračni drug i djeca koji su građani EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_hr.htm">Bračni drug i djeca koji nisu građani EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_hr.htm">Registrirani partneri</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_hr.htm">Roditelji</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_hr.htm">Ostala rodbina</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_hr.htm">Obitelj tražitelja zaposlenja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_hr.htm">Dokumenti i formalnosti<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_hr.htm">Prijava članova obitelji koji su građani EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_hr.htm">Stalni boravak za građane EU-a nakon pet godina</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_hr.htm">Stalni boravak za članove obitelji koji nisu građani EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_hr.htm">Boravišne iskaznice za članove obitelji koji nisu građani EU-a </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_hr.htm">Prijava boravišta u inozemstvu nakon prva 3 mjeseca</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_hr.htm">Prijava kratkotrajnog boravka (manje od tri mjeseca)</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_hr.htm">Prijava rođenja</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_hr.htm">Pravila o promjeni rodnog identiteta</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_hr.htm">Kupnja nekretnine</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_hr.htm">Odjava boravišta</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_hr.htm">Izbori, predstavke i savjetovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_hr.htm">Europski izbori</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_hr.htm">Izbori u matičnoj zemlji</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_hr.htm">Općinski izbori</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_hr.htm">Predstavke i savjetovanja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_hr.htm">Obrazovanje i mladi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_hr.htm">Škola<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_hr.htm">Partnerstva sa školama u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_hr.htm">Krenuti u školu u drugoj državi članici</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_hr.htm">Sveučilište<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_hr.htm">Upis na fakultet</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_hr.htm">Sveučilišne školarine i financijska pomoć</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_hr.htm">Priznavanje visokoškolskih diploma</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_hr.htm">Studij u inozemstvu i mogućnosti za stipendiju</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_hr.htm">Rad tijekom studija</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_hr.htm">Pripravnički staž<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_hr.htm">Financijska potpora za pripravnički staž</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_hr.htm">Volontiranje u EU-u i izvan njega<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_hr.htm">Volontiranje – gdje započeti</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_hr.htm">Praktična priprema za volontere</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_hr.htm">Istraživači<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_hr.htm">Stipendije i radna mjesta za istraživače</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_hr.htm">Oporezivanje istraživača</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_hr.htm">Zdravlje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_hr.htm">Neplanirano liječenje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_hr.htm">Posjet liječniku / hospitalizacija u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_hr.htm">Neplanirano liječenje: plaćanje i povrat troškova</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_hr.htm">Zdravstveno osiguranje tijekom privremenog boravka</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_hr.htm">Europska kartica zdravstvenog osiguranja (EKZO)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_hr.htm">Planirano liječenje u inozemstvu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_hr.htm">Organizacija planiranog liječenja u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_hr.htm">Troškovi i njihov povrat: planirano liječenje u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_hr.htm">Informacijske točke za prekograničnu zdravstvenu zaštitu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_hr.htm">Kupovanje lijekova u drugoj zemlji EU-a<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_hr.htm">Predočenje recepta u drugoj zemlji EU-a</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_hr.htm">Recepti u inozemstvu: troškovi i njihov povrat</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_hr.htm">Kupovanje lijekova na internetu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_hr.htm">Zdravstveno osiguranje za osobe koje žive u inozemstvu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_hr.htm">Vaše zdravstveno osiguranje</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_hr.htm">Preseljenje u dom za starije i nemoćne osobe</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_hr.htm">Preventivna zdravstvena skrb</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_hr.htm">Obitelj<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_hr.htm">Djeca<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_hr.htm">Roditeljska odgovornost</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_hr.htm">Posvojenje</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_hr.htm">Otmica djeteta</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_hr.htm">Parovi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_hr.htm">Brak</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_hr.htm">Civilna i registrirana partnerstva</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_hr.htm">Nevjenčani parovi</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_hr.htm">Razvod i zakonska rastava</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_hr.htm">Obveze uzdržavanja – potpora članovima obitelji</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_hr.htm">Imovinski režimi međunarodnih parova</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_hr.htm">Priznavanje javnih isprava u EU-u</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_hr.htm">Smrt, repatrijacija i prekogranično nasljeđivanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_hr.htm">Upravljanje prekograničnim nasljedstvom</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_hr.htm">Planiranje prekograničnog nasljedstva</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_hr.htm">Smrt i repatrijacija</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_hr.htm">Potrošači<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_hr.htm">Kupovina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_hr.htm">Ugovorne informacije</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_hr.htm">Jamstva i povrati</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_hr.htm">Određivanje cijena i plaćanje</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_hr.htm">Slanje i isporuka</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_hr.htm">Vaša prava pri kupnji</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_hr.htm">PDV – porez na dodanu vrijednost</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_hr.htm">Sigurnost proizvoda</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_hr.htm">Internet i telekomunikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_hr.htm">Roaming: upotreba mobilnog telefona u EU-u</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_hr.htm"> Pristup internetskom sadržaju u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_hr.htm"> Telekomunikacijske usluge</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_hr.htm">Uporaba interneta i pristup internetu</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_hr.htm">Zaštita podataka i privatnost na internetu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_hr.htm">Financijski proizvodi i usluge<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_hr.htm">Bankovni računi u EU-u</a></li> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm"><span>Potrošački <span class="label-end"><span>krediti</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_hr.htm">Police osiguranja</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_hr.htm">Investicijski proizvodi</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_hr.htm">Hipotekarni krediti</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_hr.htm">Plaćanja, doznake i čekovi</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_hr.htm">Ulaganje u drugoj zemlji EU-a</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_hr.htm">Nepošteno postupanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_hr.htm">Nepoštena poslovna praksa</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_hr.htm">Nepošteno određivanje cijena</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_hr.htm">Nepoštene ugovorne odredbe</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_hr.htm">Opskrba energijom<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_hr.htm">Pristup uslugama opskrbe energijom i njihova upotreba</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_hr.htm">Ugovori i potrošnja energije</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_hr.htm">Rješavanje pritužbi i sporova</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_hr.htm">Rješavanje potrošačkih sporova<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_hr.htm">Neformalno rješavanje sporova za potrošače</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_hr.htm">Izvansudski postupci za potrošače</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_hr.htm">Formalni pravni postupak za potrošače</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_hr.htm">Poslovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_hr.htm"> Poslovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_hr.htm">Razvoj poslovanja<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_hr.htm">Poslovanje u turističkoj industriji</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_hr.htm">Registracija u sustavu EMAS</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_hr.htm">Spajanje poduzeća u EU-u</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_hr.htm">Osnivanje europskog društva (SE)</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_hr.htm">Slobodan protok neosobnih podataka</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_hr.htm">Što treba znati o prekograničnim ulaganjima u EU-u</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_hr.htm"> Digitalizacija poduzeća<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_hr.htm"> Izrada i organizacija portala poduzeća</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_hr.htm"> Internetska prodaja na platformama trećih strana</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_hr.htm"> Pokretanje internetske trgovine</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_hr.htm"> Zaštita internetskih stranica</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_hr.htm"> Isporuke i ispunjenje obveza u kontekstu prodaje na internetu</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_hr.htm"> Korisnička podrška internetskih poduzeća</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_hr.htm"> Promicanje poduzeća na internetu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_hr.htm">Intelektualno vlasništvo<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_hr.htm">Prava intelektualnog vlasništva</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_hr.htm">Patenti</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_hr.htm">Žigovi</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_hr.htm">Autorska prava</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_hr.htm">Poslovne tajne</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_hr.htm">Zaštita</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_hr.htm"> Domene web-mjesta</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_hr.htm">Zaštita baza podataka</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_hr.htm"> Oznake zemljopisnog podrijetla</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_hr.htm">Komercijalizacija intelektualnog vlasništva</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_hr.htm">Povreda prava intelektualnog vlasništva</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_hr.htm">Start-up poduzeća<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_hr.htm">Osnivanje poduzeća</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_hr.htm">Erasmus za mlade poduzetnike</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_hr.htm">Alati EU-a za potporu MSP-ovima</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_hr.htm">Oporezivanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_hr.htm"> Trošarine<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_hr.htm">Proizvodi koji podliježu trošarinama</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_hr.htm"> Plaćanje trošarina</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_hr.htm"> PDV<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_hr.htm">Pravila o PDV-u i stope PDV-a</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_hr.htm">Naplata i odbitak PDV-a</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_hr.htm">Oslobođenje od PDV-a</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_hr.htm">Povrat PDV-a: podnošenje zahtjeva na internetu</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_hr.htm">Prekogranično plaćanje PDV-a</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_hr.htm">Provjera PDV broja (VIES)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_hr.htm"> PDV na digitalne usluge (program MOSS)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_hr.htm"> Porez na poslovanje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_hr.htm"> Porez na dobit trgovačkih društava u EU-u</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_hr.htm"> Porezi na matična društva i društva kćeri</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_hr.htm">Prodavanje u EU-u<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_hr.htm"> Ugovori o javnoj nabavi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_hr.htm">Pravila javnih natječaja</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_hr.htm">Potražite javne natječaje i sudjelujte u njima</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_hr.htm">Zatražite preispitivanje postupka javne nabave</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_hr.htm"> Prodaja robe i usluga<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_hr.htm">Prodaja proizvoda u EU-u</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_hr.htm">Pružanje usluga u inozemstvu</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_hr.htm">E-trgovina, prodaja na daljinu i prodaja izvan poslovnih prostora</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_hr.htm"> Putovanja u paket aranžmanima i povezanim putnim aranžmanima</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_hr.htm"> Usluge dostave paketa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_hr.htm"> Tržišno natjecanje poduzeća<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_hr.htm">Pravila tržišnog natjecanja u EU-u</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_hr.htm"> Prijava protutržišnog ponašanja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_hr.htm">Ljudski resursi<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_hr.htm">Ugovori o radu<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_hr.htm">Promjene ugovora o radu</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_hr.htm">Uvjeti zapošljavanja</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_hr.htm">Rad na određeno vrijeme</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_hr.htm">Obavješćivanje radnika i savjetovanje s njima</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_hr.htm">Rad u nepunom radnom vremenu</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_hr.htm">Višak zaposlenika</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_hr.htm">Zaposleni adolescenti</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_hr.htm">Rad preko poduzeća za privremeno zapošljavanje</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_hr.htm">Sezonski radnici iz trećih zemalja</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_hr.htm">Radno vrijeme, praznici i dopust<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/working-hours/index_hr.htm">Radno vrijeme</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/leave-flexible-working/index_hr.htm">Dopust i fleksibilan rad</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/index_hr.htm">Radnici u prometnom sektoru<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/civil-aviation-staff/index_hr.htm">Zaposlenici u civilnom zrakoplovstvu</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/rail-staff/index_hr.htm">Željeznički radnici</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/road-transportation-workers/index_hr.htm">Zapošljavanje radnika u cestovnom prijevozu: vrijeme vožnje i razdoblja odmora</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/seafarers/index_hr.htm">Pomorci</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/transport-sector-workers/inland-waterway-staff/index_hr.htm">Radnici u prijevozu unutarnjim plovnim putovima</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/index_hr.htm">Upućeni radnici<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/posting-staff-abroad/index_hr.htm">Upućivanje zaposlenika u inozemstvo</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/posted-workers/drivers/index_hr.htm">Upućeni vozači</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/index_hr.htm">Socijalna sigurnost i zdravlje<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/paying-contributions/index_hr.htm">Plaćanje doprinosa za socijalno osiguranje</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/social-security-health/work-safety/index_hr.htm">Zdravlje i sigurnost na radu</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/index_hr.htm"> Jednako postupanje i stručne kvalifikacije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/equal-treatment/index_hr.htm">Jednako postupanje prema zaposlenicima</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/reasonable-accommodation/index_hr.htm">Razumna prilagodba</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/equal-treatment-qualifications/recognition-qualifications/index_hr.htm">Priznavanje kvalifikacija</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/index_hr.htm">Zahtjevi za proizvode<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/standards/index_hr.htm">Norme<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/standards/standards-in-europe/index_hr.htm">Norme u Europi</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/compliance/index_hr.htm">Sukladnost proizvoda<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/identifying-product-requirements/index_hr.htm">Utvrđivanje relevantnih zahtjeva za proizvode</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/conformity-assessment/index_hr.htm">Ocjenjivanje sukladnosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/technical-documentation-conformity/index_hr.htm">Tehnička dokumentacija i EU izjava o sukladnosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/ecodesign/index_hr.htm">Zahtjevi za ekološki dizajn</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/compliance/declaration-mutual-recognition/index_hr.htm">Izjava o uzajamnom priznavanju</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/index_hr.htm">Etikete i oznake<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ce-marking/index_hr.htm">Oznaka CE</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/energy-labels/index_hr.htm">Oznaka energetske učinkovitosti</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/weee-label/index_hr.htm">Oznaka OEEO (WEEE)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/footwear-label/index_hr.htm"> Oznaka obuće</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/textile-label/index_hr.htm">Oznaka tekstila</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/emark/index_hr.htm">Oznaka „℮"</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/labels-markings/ecolabel/index_hr.htm">Znak za okoliš EU-a</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/index_hr.htm"> Kemikalije<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/registering-chemicals-reach/index_hr.htm">Registracija kemikalija u EU-u (Uredba REACH)</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/chemicals/classification-labelling-packaging/index_hr.htm">Razvrstavanje, označivanje i pakiranje kemikalija</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/index_hr.htm"> Recikliranje i gospodarenje otpadom<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/recycling-waste-management/weee-responsibilities/index_hr.htm">Odgovornost za zbrinjavanje električnog i elektroničkog otpada</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/index_hr.htm">Označivanje hrane<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/general-rules/index_hr.htm">Pravila o označivanju hrane</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/nutrition-declaration/index_hr.htm">Nutritivna deklaracija</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/supplements/index_hr.htm">Označivanje dodataka prehrani</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/additives/index_hr.htm">Prehrambeni aditivi</a></li> <li><a href="https://europa.eu/youreurope/business/product-requirements/food-labelling/health-nutrition-claims/index_hr.htm">Zdravstvene i prehrambene tvrdnje</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/index_hr.htm">Financiranje i financijska sredstva<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/accounting/index_hr.htm"> Računovodstvo<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/accounting/small-micro-businesses/index_hr.htm">Računovodstvo za MSP-ove i mikropoduzeća</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/index_hr.htm">Uplate i isplate<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/cross-border-debt-recovery/index_hr.htm"> Prekogranična naplata duga</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_hr.htm">Elektronička i gotovinska plaćanja</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/late-payment/index_hr.htm">Kašnjenje u plaćanju</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/einvoicing/index_hr.htm">Elektroničko izdavanje računa</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/index_hr.htm"> Kako do sredstava<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://youreurope.europa.eu/business/finance-funding/getting-funding/access-finance/hr">Pristup financiranju</a></li> <li><a href="https://europa.eu/youreurope/business/finance-funding/getting-funding/eu-funding-programmes/index_hr.htm">EU-ovi programi financiranja</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/index_hr.htm">Odnos s klijentima<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/index_hr.htm"> Potrošački ugovori i jamstva<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-guarantees/index_hr.htm">Jamstva za potrošače</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/defective-products/index_hr.htm">Neispravni proizvodi</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/consumer-contracts-guarantees/consumer-contracts/index_hr.htm">Ugovori s potrošačima</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/index_hr.htm"> Rješavanje sporova s potrošačima<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/online-dispute-resolution/index_hr.htm"> Alternativno/internetsko rješavanje sporova</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/solving-disputes/european-small-claims-procedure/index_hr.htm"> Europski postupak za sporove male vrijednosti</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/index_hr.htm"> Zaštita podataka<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/data-protection-gdpr/index_hr.htm"> Zaštita podataka na temelju Opće uredbe o zaštiti podataka</a></li> <li><a href="https://europa.eu/youreurope/business/dealing-with-customers/data-protection/online-privacy/index_hr.htm"> Privatnost na internetu</a></li> </ul> </li> </ul> </li> </ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=hr" target="_blank">Kontaktirajte službe za pomoć</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=hr" target="_blank">Prijavite smetnju</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">Ukrajina<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">Pomoć EU-a Ukrajini</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_hr">Informacije za osobe koje bježe od rata u Ukrajini</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_hr#kako-mo%C5%BEete-pomo%C4%87i">Kako možete pomoći</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Informacije za poduzeća</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_hr.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Kliknite za proširivanje" title="Kliknite za proširivanje">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="/youreurope/citizens/index_hr.htm">Građani</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/index_hr.htm">Potrošači</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_hr.htm">Financijski proizvodi i usluge</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li>Potrošački krediti</li> </ol> </nav> </div> <main id="main-content" class="container"> <h1>Potrošački krediti</h1> <div class="row"> <aside> <nav id="in-page-nav"> <div id="in-page-nav-title">Na ovoj stranici</div> </nav> </aside> <div class="col"> <div id="main-article"> <p>Pri podizanju potrošačkog kredita ne zaboravite da ste prije potpisivanja ugovora zaštićeni pravilima EU-a i da vam se njima u slučaju potrebe jamči mogućnost povlačenja iz ugovornog odnosa.</p> <h2>Ključne informacije s pomoću kojih možete usporediti ponude</h2> <p>Odlučite li kupiti neki proizvod na kredit, <strong>najbolje je da prvo usporedite ponude</strong>. Prije potpisivanja ugovora o kreditu, davatelj kredita mora vam dostaviti <strong>standardni dokument</strong> pod nazivom <span class="nolink">obrazac Standardnih informacija o kreditu za potrošače u Europskoj <span class="label-end"><span>uniji</span><svg focusable="false" class="wider" aria-label="PDF"> <title>PDF</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#file"></use></svg></span></span> <a href="https://commission.europa.eu/system/files/2017-06/standard_european_consumer_credit_information_en.pdf" target="_blank" class="language" title="English">en</a> . Taj je obrazac osmišljen kako biste imali najbolji mogući <strong>pregled uvjeta</strong> bilo kojeg ugovora o kreditu o čijem potpisivanju razmišljate. Navedeni obrazac uključuje:</p> <ul> <li>glavne značajke ugovora</li> <li>iznos kredita i njegove troškove</li> <li>efektivnu kamatnu stopu (EKS – jedinstveni iznos kojim su prikazani ukupni troškovi kredita, uključujući kamate, provizije, poreze i sve ostale vrste naknada)</li> <li>broj, učestalost plaćanja i iznos svih rata</li> <li>napomenu o važnim pravnim aspektima</li> </ul> <p>Na taj ćete način moći <strong>usporediti ponude različitih davatelja kredita</strong> i odabrati onu koja vam najviše odgovara. Ako vam davatelj kredita nije dostavio navedeni obrazac, svakako ga zatražite. </p> <h2>Odustajanje od ugovora o kreditu</h2> <p>Ako se predomišljate o ugovoru o kreditu koji ste potpisali ili ste shvatili da vam kredit zapravo ne treba, <strong>u roku od 14 kalendarskih dana</strong> od potpisivanja ugovora <strong>možete od njega odustati</strong>. Davatelju kredita ne dugujete nikakvo objašnjenje, ali morat ćete vratiti novac koji ste posudili, uz kamate i sve nepovratne troškove koje je davatelj kredita već platio. </p> <div class="example"> <h4>Primjer</h4> <p>Paolo iz Italije u nebankarskoj je instituciji podigao kredit u iznosu od 1 000 EUR za kupnju nove perilice. Prije potpisivanja ugovora dobio je vrlo šture informacije o kreditu, a nije dobio ni standardni obrazac s podacima ( <span class="nolink">obrazac Standardnih informacija o kreditu za potrošače u Europskoj <span class="label-end"><span>uniji</span><svg focusable="false" class="wider" aria-label="PDF"> <title>PDF</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#file"></use></svg></span></span> <a href="https://commission.europa.eu/system/files/2017-06/standard_european_consumer_credit_information_en.pdf" target="_blank" class="language" title="English">en</a> ). Rečeno mu je da kredit treba otplatiti u roku od dvije godine, uz umjerenu kamatnu stopu.</p> <p>Nakon potpisivanja ugovora, shvatio je da će efektivna kamatna stopa (ukupan trošak kredita) biti vrlo visoka. Odlučio je da ipak neće podići taj kredit, nego potražiti bolju alternativu. Kad se obratio lokalnoj organizaciji za zaštitu potrošača, saznao je da može odustati od ugovora u roku od 14 kalendarskih dana tako da zajmodavca dopisom obavijesti o svojoj namjeri i vrati novac koji je dotad primio.</p> </div> <h2>Prijevremena otplata kredita</h2> <p>Želite li kredit otplatiti prije roka navedenog u ugovoru, imate na to pravo. Imajte na umu da ćete <strong>davatelju kredita možda morati nadoknaditi</strong> izgubljenu dobit. Ta kompenzacija, međutim, ne smije premašivati ukupan iznos kamata koji biste inače dugovali. </p> <p>Ta se pravila <strong>primjenjuju na potrošačke kredite u iznosu od</strong> 200 EUR do 75 000 EUR, osim na: </p> <ul> <li> <a data-linkid="c8e5d7c3-98b8-4f10-b043-52a9ef79b608" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_hr.htm" data-master-href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_en.htm">hipotekarne</a> kredite </li> <li>kredite zaključene radi kupnje zemljišta ili nekretnine</li> <li>kredite namijenjene za iznajmljivanje ili unajmljivanje bez obveze kupnje</li> <li>kredite odobrene bez kamata, drugih troškova ili u obliku odobrenog prekoračenja koje je potrebno otplatiti u roku od jednog mjeseca</li> <li>kredite proizašle iz sudske odluke</li> <li>kredite povezane s onima odobrenima ograničenom dijelu javnosti</li> </ul> <h2>Podizanje kredita u drugoj državi članici EU-a</h2> <p>Želite li podići kredit u drugoj državi članici EU-a, imajte na umu da <strong>banke mogu biti nesklone</strong> posuđivanju novca osobama koje prebivaju u državama u kojima određena banka nema sjedište, pa čak ni osobama koje imaju prebivalište u istoj državi u kojoj banka ima sjedište, ali koje rade u drugoj državi članici EU-a. </p> <p>Banke mogu slobodno određivati takva ograničenja u kreditiranju. No, ako smatrate da vas je banka diskriminirala, možete se:</p> <ul> <li>obratiti banci (njezinom uredu za pritužbe) radi dobivanja pisanog odgovora u kojem se navode točni razlozi zbog kojih vam je odbijen kredit</li> <li>na temelju pisanog odgovora banke obratiti <a href="https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_hr" data-master-href="https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_en" data-linkid="ea32ef46-d9a0-4eda-b3ff-cc4cdd5836a0">FIN-NET-u</a> za savjet i pomoć (mreži namijenjenoj izvansudskom rješavanju financijskih sporova). Ta mreža posreduje u financijskim sporovima potrošača i pružatelja financijskih usluga, poput banaka</li> </ul> </div> <div class="article-related eu-legislation"> <h2>Zakonodavstvo EU</h2> <ul> <li><a href="https://eur-lex.europa.eu/legal-content/HR/TXT/?qid=1439910710226&uri=CELEX:32008L0048" data-linkid="7acb9db1-5369-4daa-8c30-1e318225135d" title="Direktiva o potrošačkim kreditima">Direktiva o potrošačkim <span class="label-end"><span>kreditima</span><svg focusable="false" aria-label="Klikom na poveznicu dokument se otvara na drugoj stranici"> <title>Klikom na poveznicu dokument se otvara na drugoj stranici</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> <li><a href="https://eur-lex.europa.eu/legal-content/HR/TXT/?qid=1439910863247&uri=CELEX:32011L0090" data-linkid="9e1e9c55-c46b-46a8-8d31-6b374f02a43d" title="Direktiva o dodatnim pretpostavkama za izračun efektivne kamatne stope">Direktiva o dodatnim pretpostavkama za izračun efektivne kamatne <span class="label-end"><span>stope</span><svg focusable="false" aria-label="Klikom na poveznicu dokument se otvara na drugoj stranici"> <title>Klikom na poveznicu dokument se otvara na drugoj stranici</title> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#external"></use></svg></span></a></li> </ul> </div>  <div class="article-related"> <h2>Trebate li podršku službi za pomoć korisnicima?</h2> <p>Obratite se specijaliziranim službama za pomoć</p><button id="advice-button" class="standard arrow toggle">Pomoć i savjetovanje<span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></span></button><div id="advice-content" class="toggle-content"> <div data-service-name="CIF" class="help-advice"> <p><a href="https://ec.europa.eu/eu-rights/enquiry-complaint-form/home?languageCode=hr&origin=yec_Consumers">Savjetujte se o svojim pravima u EU-u / Riješite probleme s javnim tijelom</a></p> </div> <div data-service-name="Financial Dispute Resolution Network" class="help-advice"> <p><a href="https://ec.europa.eu/info/business-economy-euro/banking-and-finance/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_en">Rješavanje problema s osiguravateljima ili bankama</a></p> </div> <div data-service-name="country's European consumer centre" class="help-advice"> <p> <a href="https://commission.europa.eu/live-work-travel-eu/consumer-rights-and-complaints/resolve-your-consumer-complaint/european-consumer-centres-network-ecc-net_hr">Zatražite pomoć ili savjet Europskog potrošačkog centra u svojoj zemlji</a> </p> </div> <div data-service-name="ASF"> <p>Od pomoći vam može biti i <strong><a data-linkid="99515abc-5143-4601-834f-d58adec3d203" href="https://asf.youreurope.europa.eu/?lang=hr" title="alat za traženje službe za podršku">alat za traženje službe za podršku</a></strong>.</p> </div> </div> </div> <div id="last-checked"><span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#calendar"></use></svg>Posljednji put provjereno: 04/11/2024</span></div> </div> </div> <div id="share-page"> <div>Podijeli</div> <ul> <li><a href="https://www.facebook.com/share.php?u=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm" title="Podijeli na Facebook" target="_blank" rel="nofollow" id="sh-facebook"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#facebook"></use></svg><span>Facebook</span></a></li> <li><a href="https://www.linkedin.com/sharing/share-offsite/?url=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm" title="Podijeli na linkedIn" target="_blank" rel="nofollow" id="sh-linkedin"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#linkedin"></use></svg><span>Linkedin</span></a></li> <li><a href="https://twitter.com/intent/tweet?text=Potro%C5%A1a%C4%8Dki%20krediti&url=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm" title="Podijeli na X-u" target="_blank" rel="nofollow" id="sh-twitter"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#twitter"></use></svg><span>X (Twitter)</span></a></li> <li><a href="mailto:?subject=Potro%C5%A1a%C4%8Dki%20krediti&body=https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm;" id="sh-email" title="Podijeli e-porukom" rel="nofollow"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#email"></use></svg><span>e-mail</span></a></li> </ul> </div> </main> <footer id="footer-content" class="ye_footerpage"> <section id="feedback-bar"> <div class="container"><button id="feedback" class="standard arrow toggle">Povratne informacije o kvaliteti<span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></span></button><form id="feedback-form" class="toggle-content" method="post" name="fm" action="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_hr.htm" autocomplete="off" novalidate><input autocomplete="false" name="hidden" type="text" style="display:none;"><input type="hidden" name="section" id="section" value="/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/"><p class="success">Hvala na povratnoj informaciji. Želite li navesti više pojedinosti, ispunite sljedeću <a href="https://foq.youreurope.europa.eu/info-service-ft/survey-long?lang=hr" target="_blank">anketu</a>. Za to će vam trebati samo nekoliko minuta.</p> <p class="error">Povratne informacije nisu poslane zbog tehničkih poteškoća. Pokušajte kasnije.</p> <div> <fieldset> <legend class="required">Jeste li pronašli što ste tražili? <span> *</span></legend> <div class="form-radio-container"><input type="radio" name="found-topic" id="found-yes" value="Yes" required="true"><label for="found-yes">Da</label></div> <div class="form-radio-container"><input type="radio" name="found-topic" id="found-no" value="No" required="true"><label for="found-no">Ne</label></div> <div class="form-radio-container"><input type="radio" name="found-topic" id="found-partly" value="Partly" required="true"><label for="found-partly">Djelomično</label></div> </fieldset> <fieldset> <legend class="required">Ocijenite ovu stranicu<span> *</span><span class="rating-info">1 = izrazito loše, 5 = izvrsno</span></legend> <div class="form-rating-container"><input type="radio" name="rating" id="rating-5" value="5" required="true"><label for="rating-5" title="Izvrsno" aria-label="Izvrsno"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-outline"></use></svg></label><input type="radio" name="rating" id="rating-4" value="4" required="true"><label for="rating-4" title="Dobro" aria-label="Dobro"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-outline"></use></svg></label><input type="radio" name="rating" id="rating-3" value="3" required="true"><label for="rating-3" title="Zadovoljavajuće" aria-label="Zadovoljavajuće"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-outline"></use></svg></label><input type="radio" name="rating" id="rating-2" value="2" required="true"><label for="rating-2" title="Loše" aria-label="Loše"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-outline"></use></svg></label><input type="radio" name="rating" id="rating-1" value="1" required="true"><label for="rating-1" title="Izrazito loše" aria-label="Izrazito loše"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-filled"></use></svg><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#star-outline"></use></svg></label></div> </fieldset><label for="name" class="required important">Ime<span> *</span></label><input type="text" id="name" name="name" tabindex="-1"><label for="looking-topic" class="required">Što ste tražili?<span> *</span></label><input type="text" id="looking-topic" name="looking-topic" maxlength="100" required="true"><label for="suggestions">Pomognite nam poboljšati</label><textarea id="suggestions" cols="60" rows="8" maxlength="800" required="true"></textarea><p id="suggestions-chars">Broj preostalih znakova: <span>800</span></p> <div class="warning"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#warning"></use></svg><div> <h4 class="sr-only">Napomena</h4> <p>Uz pomoć vaših povratnih informacija moći ćemo prepoznati i riješiti probleme koji se često javljaju, ali nećemo slati pojedinačne odgovore. Ne šaljite nikakve osobne podatke u ovom obrascu.</p> </div> </div><button type="submit" disabled="true" class="standard">Pošalji</button><p class="mandatory-info"><span>* </span>Obvezno polje</p> </div> </form> </div> </section> <div id="ye-harmonised-footer" class="container"> <div class="ye_item"> <div class="ye_heading" id="ye-footer-site-link"><a href="https://europa.eu/youreurope/index_hr.htm" lang="en">Your Europe</a></div> <div>Ova stranica, kojom upravlja Glavna uprava za unutarnje tržište, industriju, poduzetništvo te male i srednje poduzetnike, službena je internetska stranica Europske unije</div> </div> <ul aria-labelledby="ye-footer-site-link"> <li class="ye_item" id="ye-follow-links"> <div class="ye_heading" id="ye-follow-links_title">Pratite nas na</div> <ul aria-labelledby="ye-follow-links_title"> <li><a href="https://www.facebook.com/YourEurope" target="_blank" title="Pratite Your Europe na Facebooku"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#facebook"></use></svg><span>Facebook</span></a></li> <li><a href="https://www.instagram.com/youreurope/" target="_blank" title="Pratite Your Europe na Instagramu"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#instagram"></use></svg><span>Instagram</span></a></li> <li><a href="https://www.linkedin.com/showcase/your-europe-business-showcase/" target="_blank" title="Pratite Your Europe na LinkedInu"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#linkedin"></use></svg><span>LinkedIn</span></a></li> <li><a href="https://x.com/YourEurope" target="_blank" title="Pratite Your Europe na X-u"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#twitter"></use></svg><span>X (Twitter)</span></a></li> <li><a href="https://youtube.com/playlist?list=PLmwl0nkG0dPEiXfn6SnoJF0adU3Ccn4QD" target="_blank" title="Pratite Your Europe na YouTubeu"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/social-media-icons-V2.svg#youtube"></use></svg><span>YouTube</span></a></li> </ul> </li> <li class="ye_item" id="ye-tools-links"> <div id="ye-tools-links_title" class="ye_heading">O ovoj stranici</div> <ul aria-labelledby="ye-tools-links_title"> <li><a href="https://europa.eu/youreurope/about/index_hr.htm">Što je Your Europe?</a></li> <li><a href="https://europa.eu/youreurope/contact/index_hr.htm">Kontakt</a></li> <li style="display:none;"><button class="link" type="button" value="print">Verzija za ispis</button></li> <li style="display:none;"><button class="link" type="button" value="feedback">Prijavite problem</button></li> </ul> </li> </ul> </div> <div id="eu-corporate-footer" class="container"> <div class="ye_item"> <div id="ye-footer-eclogo"><img class="eu-full-logo" src="/youreurope/citizens/images/ecl/eu-logo/eu-logo-hr-full.svg" alt="Zastava Europske unije" title="Europska unije"><img class="eu-short-logo" src="/youreurope/citizens/images/ecl/eu-logo/eu-logo-hr-short.svg" alt="Zastava Europske unije" title="Europska unije"></div> <div>Saznajte više na <a aria-label="Početak - Europske unije" href="https://european-union.europa.eu/index_hr" title="Europska unije" data-linkid="1a68d0ce-9d3b-45aa-bd71-f969f0d32bba">europa.eu</a></div> </div> <ul aria-labelledby="ye-ecfooter-logo"> <li class="ye_item" id="ye-ecfooter-contact-links"> <div class="ye_heading" id="ye-ecfooter-contact-links_title">Obratite se EU-u</div> <ul aria-labelledby="ye-ecfooter-contact-links_title"> <li><a href="tel:0080067891011">Nazovite nas na 00 800 6 7 8 9 10 11</a></li> <li><a href="https://european-union.europa.eu/contact-eu/call-us_hr" target="_blank">Uspostavite telefonsku vezu na drugi način</a></li> <li><a href="https://european-union.europa.eu/contact-eu/write-us_hr" target="_blank">Pišite nam služeći se našim obrascem za kontakt</a></li> <li><a href="https://european-union.europa.eu/contact-eu/meet-us_hr" target="_blank">Upoznajte nas u jednom od centara EU-a</a></li> </ul> <div class="ye_heading" id="ye-ecfooter-socialmedia_links">Društvene mreže</div> <ul aria-labelledby="ye-ecfooter-socialmedia_links"> <li><a href="https://european-union.europa.eu/contact-eu/social-media-channels_hr" target="_blank">Pronađite EU na društvenim mrežama</a></li> </ul> </li> <li class="ye_item" id="ye-ecfooter-external-links"> <div class="ye_heading" id="ye-ecfooter-legalnotice-links_title">Pravne obavijesti</div> <ul aria-labelledby="ye-ecfooter-legalnotice-links_title"> <li><a href="https://european-union.europa.eu/languages-our-websites_hr" target="_blank">Jezici na našim internetskim stranicama</a></li> <li><a href="https://european-union.europa.eu/privacy-policy_hr" target="_blank">Politika zaštite privatnosti</a></li> <li><a href="https://european-union.europa.eu/legal-notice_hr" target="_blank">Pravna obavijest</a></li> <li><a href="https://european-union.europa.eu/cookies_hr" target="_blank">Kolačići</a></li> <li><a href="https://european-union.europa.eu/web-accessibility-policy_hr" target="_blank">Politika dostupnosti web-sadržaja</a></li> </ul> <div class="ye_heading" id="ye-ecfooter-institutions-links_title">Institucije EU-a</div> <ul aria-labelledby="ye-ecfooter-institutions-links_title"> <li><a href="https://european-union.europa.eu/institutions-law-budget/institutions-and-bodies/search-all-eu-institutions-and-bodies_hr" target="_blank">Pretraživanje institucija i tijela EU-a</a></li> </ul> </li> </ul> </div> </footer><script defer src="//europa.eu/webtools/load.js?globan=1010" type="text/javascript"></script><script type="application/json"> { "utility": "piwik", "siteID":47, "sitePath": ["europa.eu\/youreurope"], "instance": "europa.eu", "siteSection": "citizens", "is404": false } </script><script type="application/json"> { "utility" : "cck" } </script><script src="https://europa.eu/youreurope/citizens/scripts/jquery-3.1.1.min.js"></script><script src="/youreurope/citizens/scripts/europa-ye-V2.js"></script><script> var ye_labels = { available_language:'Dostupno na jeziku', available_languages:'Dostupno na sljedećim jezicima', choose_country: "Odaberite svoju državu", please_select: "Odaberite...", mandatory_field: "Obvezno polje", searching: "Pretraživanje ...", sending:'Slanje u tijeku...', close:'Zatvoreno', open:'Otvori', loading:'Učitavanje...' }; var lg_labels = { bg:"bugarski", cs:"češki", da:"danski", de:"njemački", el:"grčki", en:"engleski", es:"španjolski", et:"estonski", fi:"finski", fr:"francuski", ga:"irski", hr:"hrvatski", hu:"mađarski", it:"talijanski", lt:"litavski", lv:"latvijski", mt:"malteški", nl:"nizozemski", pl:"poljski", pt:"portugalski", ro:"rumunjski", sk:"slovački", sl:"slovenski", sv:"švedski" }; var lg_labels_index = [ "bg", "cs", "da", "en", "et", "fi", "fr", "el", "hr", "ga", "lv", "lt", "mt", "hu", "nl", "de", "pl", "pt", "ro", "sk", "sl", "es", "sv", "it" ]; </script></body> </html>

CINXE.COM

Potrošački krediti - Your Europe