{"id":1054,"date":"2023-07-15T11:25:10","date_gmt":"2023-07-15T09:25:10","guid":{"rendered":"https:\/\/regbu.com\/?p=1054"},"modified":"2025-09-05T07:41:23","modified_gmt":"2025-09-05T05:41:23","slug":"druhy-pujcek-vyznejte-se-v-nich","status":"publish","type":"post","link":"https:\/\/regbu.com\/sl\/vrste-posojil-izvedite-za-nje\/","title":{"rendered":"Vrste posojil - spoznajte jih"},"content":{"rendered":"<p>Vrste posojil dobesedno ne poznajo omejitev, tako kot <strong><a href=\"https:\/\/regbu.com\/sl\/vzajemni-skladi-in-njihovo-delovanje\/\">vzajemni skladi<\/a><\/strong>. Denar si lahko izposodite pri ban\u010dnih in neban\u010dnih podjetjih. Vendar pa je to le sama osnova dejanske delitve posojil. Do njih lahko pristopite na podlagi razli\u010dnih meril.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Glede na zavarovanje<\/li>\n\n\n\n<li>Glede na pla\u010do<\/li>\n\n\n\n<li>Glede na namen<\/li>\n<\/ul>\n\n\n\n<p>\u010ce si \u017eelite izposoditi dolo\u010den predmet, je vsekakor vredno poznati mo\u017enosti izposoje. Zdaj vam bomo podrobneje predstavili razli\u010dne vrste posojil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Potro\u0161ni\u0161ka posojila in drugo<\/h2>\n\n\n\n<p>Najbolj znane vrste posojil so nedvomno <strong>potro\u0161ni\u0161ka posojila<\/strong>. Ti so lahko denarni in nedenarni. Odvisno od tega, kaj vam je ljub\u0161e. Ali potrebujete gotovino v blagajni ali ban\u010dni ra\u010dun, je za vas bolje. V okviru potro\u0161ni\u0161kih posojil boste naleteli na dve kategoriji. To so namenska posojila za dolo\u010deno stvar in nenamenska posojila za kar koli. Lizingi so \u0161e en finan\u010dni produkt.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Vrsta najema<\/strong><\/td><td><strong>Informacije<\/strong><\/td><\/tr><tr><td>Finan\u010dni zakup<\/td><td>Ne pla\u010dujete celotnega zneska.<\/td><\/tr><tr><td>Operativni zakup<\/td><td>Avto ni va\u0161<\/td><\/tr><tr><td>Povratni zakup<\/td><td>Postopoma vra\u010date denar.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Podrobnej\u0161e informacije o najemih.<\/figcaption><\/figure>\n\n\n\n<p>Lizing se najpogosteje uporablja pri financiranju vozil. Na voljo ni le poslovnim subjektom, temve\u010d tudi posameznikom, med katerimi do\u017eivlja dolo\u010den razcvet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Druge vrste posojil<\/h3>\n\n\n\n<p>Pri obi\u010dajnih posojilih so na primer <em>z mo\u017enostjo prekora\u010ditve stanja na ra\u010dunu<\/em>. Prekora\u010ditev je del ban\u010dnega ra\u010duna in vam omogo\u010da \u010drpanje v negativno stanje. Njena nami\u0161ljena izpostava je kreditna kartica, povezana z brezobrestnim obdobjem. \u010ce jo znate uporabljati, postane precej priro\u010dno orodje. Na ta seznam je mogo\u010de zlo\u017eiti tudi klasi\u010dne nakupe z rezino.<\/p>\n\n\n\n<p>Med <strong>najpogostej\u0161e vrste posojil<\/strong> tudi tiste, ki jih lahko uporabite za financiranje lastnega doma. Osnova vsega je nedvomno hipoteka, ki ima lahko svojo izpeljanko v obliki ameri\u0161ke hipoteke. Z njo vam je zagotovljeno, da izposojenega denarja ne boste uporabili le za stanovanje, temve\u010d za karkoli drugega. Najve\u010dji konkurent hipotekarnim posojilom so posojila gradbenih zadrug. Poleg rednega boste naleteli tudi na premostitveno posojilo, kadar ne izpolnjujete vseh pogojev za pridobitev rednega posojila.<\/p>\n\n\n\n<p>Prav tako ne smemo pozabiti na izposojanje od ljudi. V neban\u010dnem segmentu so zastopana mikroposojila, ki zna\u0161ajo le nekaj sto do tiso\u010d kron.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vrste posojil dobesedno ne poznajo omejitev, tako kot vzajemni skladi. Denar si lahko izposodite pri ban\u010dnih in neban\u010dnih podjetjih. Vendar je to le sama osnova dejanske delitve posojil. K njim lahko pristopite na podlagi razli\u010dnih meril. \u010ce si \u017eelite izposoditi denar za dolo\u010deno stvar, se vsekakor spla\u010da poznati mo\u017enosti segmenta posojil. A ... <\/p>","protected":false},"author":2,"featured_media":1055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1125,1123,649,625,647,1126,648,650,618,1124],"class_list":["post-1054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-americka-hypoteka","tag-druhy-pujcek","tag-financni-leasing","tag-hypoteka","tag-leasing","tag-mikropujcky","tag-operativni-leasing","tag-pujcka","tag-pujcky","tag-spotrebitelska-pujcka"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Druhy p\u016fj\u010dek \u2013 Vyznejte se v\u00a0nich - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Zn\u00e1te b\u011b\u017en\u00e9 druhy p\u016fj\u010dek? 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