{"id":1428,"date":"2023-08-07T13:00:04","date_gmt":"2023-08-07T11:00:04","guid":{"rendered":"https:\/\/regbu.com\/?p=1428"},"modified":"2025-09-05T07:40:17","modified_gmt":"2025-09-05T05:40:17","slug":"urokove-sazby-ktere-musite-znat","status":"publish","type":"post","link":"https:\/\/regbu.com\/sl\/obrestne-mere-ki-jih-morate-poznati\/","title":{"rendered":"Obrestne mere, ki jih morate poznati"},"content":{"rendered":"<p>Obrestne mere so pojem, ki je tesno povezan z\u00a0<strong><a href=\"https:\/\/regbu.com\/sl\/refinanciranje-in-konsolidacija-posojil\/\">z refinanciranjem<\/a><\/strong>, posojila in kredite vseh vrst. \u0160tevil\u010dna vrednost, ki pove, koliko denarja ste na koncu prepla\u010dali. Ko si izposodite denar, poleg glavnice pla\u010date \u0161e obresti. To je oblika pla\u010dila posojilodajalcu. Obresti so povezane s \u0161tevilnimi finan\u010dnimi produkti.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Posojila<\/li>\n\n\n\n<li>Hipoteke<\/li>\n\n\n\n<li>Var\u010devanje<\/li>\n<\/ul>\n\n\n\n<p>Posamezne obrestne mere so navedene v odstotkih. Obi\u010dajno so to <strong>odstotek glavnice<\/strong>. V mnogih primerih boste naleteli na kratice za interese. Tak\u0161ni izrazi imajo lahko razli\u010dne oblike in na koncu vedno pomenijo nekaj drugega.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dolo\u010ditev obrestne mere<\/h2>\n\n\n\n<p>Ko berete pogoje katerega koli posojila, ne glejte samo na \u0161tevilko. Pomembne so tudi informacije, ki se skrivajo za odstotkom. \u010ce \u017eelite poznati kratice posameznih obrestnih mer, preberite spodnjo tabelo.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bli\u017enjice<\/strong><\/td><td><strong>Informacije<\/strong><\/td><\/tr><tr><td>p.a.<\/td><td>Letne obresti<\/td><\/tr><tr><td>p.s.<\/td><td>Polletna obrestna mera<\/td><\/tr><tr><td>p.q.<\/td><td>\u010cetrtletne obresti<\/td><\/tr><tr><td>p.m.<\/td><td>Mese\u010dna obrestna mera<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Oznake obrestnih mer in njihov pomen.<\/figcaption><\/figure>\n\n\n\n<p>Seveda tudi kratica p.d., ki predstavlja besedno zvezo per diem, ni izjema. Kot verjetno vsi bralci tega \u010dlanka pravilno ugibajo, <em>to je dnevna obrestna mera<\/em>. Pred podpisom posojilne pogodbe se prepri\u010dajte, da ste pravilno izra\u010dunali obrestno mero, saj so razlike lahko precej\u0161nje.<\/p>\n\n\n\n<p>Pri obrestni meri 3 % letno boste dejansko prepla\u010dali le 3 % na leto. \u010ce je v pogodbi navedena obrestna mera 3 % na leto, to pomeni, da gre za polletno obrestno mero. Torej boste prepla\u010dali 6 % na leto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Katera obrestna mera je najpomembnej\u0161a?<\/h3>\n\n\n\n<p>Da ne bo preve\u010d enostavno, lahko naletite na ve\u010d vrst obrestnih mer. Vendar pa klasi\u010dna obrestna mera ne sme biti va\u0161e izhodi\u0161\u010de. Osredoto\u010dite se predvsem na obresti, za katerimi se skrivajo vsa povezana pla\u010dila, in \u017ee na prvi pogled boste videli, na \u010dem ste. Letna obrestna mera je prav to. <strong>skraj\u0161ano kot APR<\/strong>. Sama vrednost predstavlja kombinacijo obresti in tudi drugih pristojbin na leto. To so obi\u010dajno stro\u0161ki vodenja ra\u010duna itd. Nau\u010dite se brati obrestne mere in se izognite prihodnjim nev\u0161e\u010dnostim.<\/p>","protected":false},"excerpt":{"rendered":"<p>Obrestne mere so pojem, ki je tesno povezan z refinanciranjem, posojili in vsemi vrstami kreditov. \u0160tevil\u010dna vrednost, ki vam pove, koliko denarja na koncu prepla\u010date. Ko si izposodite denar, poleg glavnice pla\u010dujete \u0161e obresti. To je oblika pla\u010dila posojilodajalcu. Obresti so povezane s \u0161tevilnimi finan\u010dnimi produkti. Posamezne obrestne mere so podane ... <\/p>","protected":false},"author":2,"featured_media":1429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[626,1750,1752,1751,618,1728,1747,1748,613,1727,1749,1746],"class_list":["post-1428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypoteky","tag-p-a","tag-p-d","tag-p-m","tag-pujcky","tag-rpsn","tag-sazba","tag-sazby","tag-sporeni","tag-urok","tag-urokova-sazba","tag-urokove-sazby"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Poznejte \u00farokov\u00e9 sazby do detailu. 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