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Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju
Zbornik Pravnog fakulteta Sveučilišta u Rijeci, 31 (2010), 1 Supplement; 151-174. urn:nbn:hr:118:643523
Mišćenić, Emilia

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Mišćenić, E. (2010). Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju. Zbornik Pravnog fakulteta Sveučilišta u Rijeci, 31. (1 Supplement), 151-174. Retrieved from https://urn.nsk.hr/urn:nbn:hr:118:643523

Mišćenić, Emilia. "Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju." Zbornik Pravnog fakulteta Sveučilišta u Rijeci, vol. 31, no. 1 Supplement, 2010, pp. 151-174. https://urn.nsk.hr/urn:nbn:hr:118:643523

Mišćenić, Emilia. "Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju." Zbornik Pravnog fakulteta Sveučilišta u Rijeci 31, no. 1 Supplement (2010): 151-174. https://urn.nsk.hr/urn:nbn:hr:118:643523

Mišćenić, E. (2010) 'Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju', Zbornik Pravnog fakulteta Sveučilišta u Rijeci, 31(1 Supplement), pp. 151-174. Available at: https://urn.nsk.hr/urn:nbn:hr:118:643523 (Accessed 16 December 2024)

Mišćenić E. Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju. Zbornik Pravnog fakulteta Sveučilišta u Rijeci [Internet]. 2010 April 08 [cited 2024 December 16];31(1 Supplement):151-174. Available at: https://urn.nsk.hr/urn:nbn:hr:118:643523

E. Mišćenić, "Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju", Zbornik Pravnog fakulteta Sveučilišta u Rijeci, vol. 31, no. 1 Supplement, pp. 151-174, April 2010. [Online]. Available at: https://urn.nsk.hr/urn:nbn:hr:118:643523. [Accessed: 16 December 2024]

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Title (croatian)Prijevremena otplata kredita prema novom zakonu o potrošačkom kreditiranju
Title (english)EARLY CREDIT REPAYMENT ACCORDING TO THE NEW CONSUMER CREDIT CODE
Title (german)VORZEITIGE KREDITABZAHLUNG NACH DEM NEUEN VERBRAUCHERKREDITIERUNGSGESETZ
AuthorEmilia Mišćenić
Author's institutionUniversity of Rijeka
FACULTY OF LAW
(Department of European and Comparative Law)
(Chair of International and Europena Private Law)
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Law
Abstract (croatian)
U radu se proučava pravo potrošača na prijevremenu otplatu kredita kao jedan od instituta kojima se nastoji povisiti stupanj zaštite potrošača u okviru potrošačkog kreditiranja. Osim što predstavlja element zaštite potrošača, pravo na prijevremenu otplatu kredita predstavlja i instrument za poticanje tržišnog natjecanja, time što omogućava veću mobilnost klijenata kreditnih institucija. Ovo izuzetno važno pravo potrošača trenutno je uređeno odredbama Glave IX. Zakona o zaštiti potrošača o potrošačkom zajmu. Supsidijarno se također primjenjuju i odredbe Zakona o obveznim odnosima o ugovoru o kreditu. Kao posljedica daljnje harmonizacije hrvatskog prava s pravom Europske unije, hrvatski je zakonodavac preuzeo Direktivu 2008/48/EZ o ugovorima o potrošačkom kreditu usvajanjem Zakona o potrošačkom kreditiranju. Novi Zakon koji stupa na snagu 1. siječnja 2010. godine, radikalno reformira pitanje prijevremene otplate kredita i predstavlja važan iskorak u odnosu na dosadašnje rješenje iz Zakona o zaštiti potrošača. Stoga je zadatak ovoga rada predstaviti glavne novine i prednosti koje novi Zakon o potrošačkom kreditiranju donosi u odnosu na trenutno važeće zakonsko uređenje prijevremene otplate kredita. Također će se ukazati i na neke nedostatke novog uređenja prijevremene otplate kredita, te pokušati dati prijedloge za njihovo otklanjanje.
Abstract (english)
The author in the article analyses consumer’s right to early repay his credit as an institute created for a better protection of consumers in the field of consumer credits. Apart from constituting the element of consumer protection, the right to early repay a credit stands as an instrument to stimulate competition due to its effect to enable better mobility of credit institutions clients. This highly important right is currently regulated by the provisions of Chapter IX on consumer credit of the Consumer Protection Act. Moreover, provisions of the Civil Obligations Act regulating the credit agreement have been subsidiary applied. As a consequence of further harmonisation of Croatian law with the European Union law, Croatian legislator adopted the Directive 2008/48/EC on Credit Agreements for Consumers by enactment of the Consumer Credit Code. The new Code being in force from the 1st of January, 2010, has radically reformed the early credit repayment issue. It presents an important lunge in respect to former solutions from the Consumer Protection Act. Therefore, the author made an effort to present in this article the most important novelties and advantages brought forward by the Consumer Credit Code in regard to legislative regulations currently in force governing the early credit repayment. Moreover, the author pointed at certain imperfections of the new early credit repayment regulations and suggested proposals de lege ferenda.
Abstract (german)
Das Thema der vorliegenden Arbeit ist das Recht des Verbrauchers auf vorzeitige Kreditabzahlung, was zum Verbraucherschutz im Rahmen der Verbraucherkreditierung beiträgt. Darüber hinaus fördert das Recht auf vorzeitige Kreditabzahlung den Wettbewerb an, indem es größere Mobilität von Kunden der Kreditinstitutionen ermöglicht. Verordnungen zum Verbraucherdarlehen aus Kapitel IX des Verbraucherschutzgesetzes regeln dieses äußerst wichtige Recht eines Verbrauchers. Subsidiär anwendbar seien auch Verordnungen zum Verbraucherkredit aus dem Gesetz über Schuldverhältnisse. Im Rahmen weiterer Harmonisierung des kroatischen Rechts mit dem Recht der Europäischen Union, hat der kroatische Gesetzgeber die EU-Richtlinie 2008/48 über Verbraucherkreditverträge durch die Verabschiedung des Gesetzes zur Verbraucherkreditierung am 1 Januar 2010 übernommen. Diese Arbeit beabsichtigt die Neuigkeiten wie auch Vorteile der neuen Gesetzesregelung zur vorzeitigen Kreditabzahlung, in Bezug auf die zur Zeit gültige Gesetzgebung, darzustellen. Zu diesem Zweck wird auch auf einige Mängel hingewiesen, wobei Vorschläge zur Beseitigung dieser Mängel vorgelegt werden.
Keywords (croatian)
Keywords (english)
Keywords (german)
Languagecroatian
Publication typeScientific paper - Original scientific paper
Publication statusPublished
Peer reviewPeer review
Publication versionPublished version
Journal titleZbornik Pravnog fakulteta Sveučilišta u Rijeci
Numberingvol. 31, no. 1 Supplement, pp. 151-174
p-ISSN1330-349X
e-ISSN1846-8314
URN:NBNurn:nbn:hr:118:643523
Publication2010-04-08
Document URLhttps://hrcak.srce.hr/53526
Type of resourceText
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2018-04-04 11:57:14