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Staro 16.04.2025., 16:54   #2461
antebr
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Također iz troškovnika koji sam priložio uz rekapitulaciju vidljiva cijena za:
- pripremne radove
- zemljane
- betonske i AB
- zidarske
- krovopokrivacke
- gipsaraki
- izolateraki
....
I svi ostali, i dalje traže izvedbeni troskovnik
Iz rekapitukacije se ne vidi nista. Npr. ukupna cijena je jedinicna cijena puta kolicina. Iz rekapitulacije vidis ukupnu cijenu za npr. AB radove, ali ne vidi se koliko ima podloznog betona, koliko ima betona ploce, koliko kila armature ima...
Zasto bi oni tebi odobrili kredit sa kamatom od cca 2.5%, a ti ces za visak kupiti auto?

Jasno ti je da u rekapitulaciji za pojedine radove mozes napisati sto god zelis, bez kolicina i jedinicne cijene stavki, nema sanse da provijeris (osim ako nemaju 4 vrste inzenjera koji ce pregledat tvoj glavni projekt).

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Staro 16.04.2025., 19:16   #2462
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Ali to mi nema smisla kada se cijene mijenjaju na tjednoj bazi. Osobno vidim to samo kao još jedan od načina izbijanja 200e za ništa
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Staro 16.04.2025., 20:13   #2463
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Ali to mi nema smisla kada se cijene mijenjaju na tjednoj bazi. Osobno vidim to samo kao još jedan od načina izbijanja 200e za ništa
Jebajiga, moras ga platit. Mene je izaslo 250€, al bez tog ne ide.

Bas sam u fazi trazenja kredita za izgradnju, svi nude po kamati 2.8-2.89%. Jedino glupa rba uopce nema u ponudi takav kredit.
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Staro 22.04.2025., 14:01   #2464
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Da se nastavim na svoju trakavicu sa HPB-om. Znači od 8.3. kad sam predao svu dokumentaciju za stambeni kredit još mi nisu odobrili. Njihovim rječnikom: šokirali smo se kad smo otkrili da ste suvlasnik u obrtu (inače imam plaću u drugoj firmi koja mi zadovoljava kreditnu sposobnost bez obrta, koji usput rečeno dobro radi).
Onda je krenulo istraživanje obrta uz češljanje podataka po OIB-u moje partnerice u obrtu starih 15-20 godina. Imala je davno firmu koja je otišla u stečaj i milion pitanja i objašnjavanja zbog toga, mi se nismo ni znali onda, naravno.
Znači nema riječi i psovki koje bi mogle opisat kaj su sve sjebali jer to traje već 3 mjeseca od mojeg prvog odlaska u banku. Oni su prvi snizili kamatu, tu smo pričali o tome ako se sjećate. Mislio sam mjesec dana max za sve riješit, planirao neke daljnje investicije na nekretnini, ali ne. Ja ne znam da li je to zato jer je državna banka pa su djelatnici za ku*ac ili je neki drugi razlog. Uglavnom, vrlo loše iskustvo.
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Staro 22.04.2025., 14:31   #2465
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Sranje je, ali možda se to tebi tako ne čini ali imat obrt na sebi (pa i polovicu) je ogromna stvar za banku. Nije u pitanju kreditna sposobnost nego odgovaranje osobnom imovinom za dugove obrta.
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Staro 22.04.2025., 14:58   #2466
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Shvaćam to, ali niko nije postavio pitanje da li sam povezan s kakvim pravnim osobama, pretpostavio sam da im je nebitno. Očito nije, a ta ženska koja je radila određivanje kreditne sposobnosti je taj dan duhom bila odsutna.
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Staro 22.04.2025., 15:24   #2467
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Meni sasvim logično da bi ih takvo nešto moralo zanimati, ali nelogično da nisu postavili pravovremeno pitanje. Kad ideš na HZZ pitaju te jedno bar 3x za obrte, apartmane i ostalo tako da mislim da nije do toga što je to državna firma. Predmetna gospodja je jednostavno nesposobna. A njezina reakcija vjerojatno indicira činjenicu da bi je zbog tog propusta netko vjerojatno dobro naguzio.
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But there’s a reason. There’s a reason. There’s a reason for this, there’s a reason education sucks, and it’s the same reason that it will never, ever, ever be fixed. It’s never gonna get any better. Don’t look for it. Be happy with what you got. Because the owners of this country don't want that. I'm talking about the real owners now, the real owners, the big wealthy business interests that control things and make all the important decisions. Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice. You don't. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own and control the corporations. They’ve long since bought and paid for the senate, the congress, the state houses, the city halls, they got the judges in their back pockets and they own all the big media companies so they control just about all of the news and information you get to hear. They got you by the balls. They spend billions of dollars every year lobbying, lobbying, to get what they want. Well, we know what they want. They want more for themselves and less for everybody else, but I'll tell you what they don’t want: They don’t want a population of citizens capable of critical thinking. They don’t want well informed, well educated people capable of critical thinking. They’re not interested in that. That doesn’t help them. Thats against their interests. Thats right. They don’t want people who are smart enough to sit around a kitchen table to figure out how badly they’re getting f*cked by a system that threw them overboard 30 f*cking years ago. They don’t want that. You know what they want? They want obedient workers. Obedient workers. People who are just smart enough to run the machines and do the paperwork, and just dumb enough to passively accept all these increasingly shittier jobs with the lower pay, the longer hours, the reduced benefits, the end of overtime and the vanishing pension that disappears the minute you go to collect it, and now they’re coming for your Social Security money. They want your retirement money. They want it back so they can give it to their criminal friends on Wall Street, and you know something? They’ll get it. They’ll get it all from you, sooner or later, 'cause they own this f*cking place. It's a big club, and you ain’t in it. You and I are not in the big club. And by the way, it's the same big club they use to beat you over the head with all day long when they tell you what to believe. All day long beating you over the head in their media telling you what to believe, what to think and what to buy. The table is tilted folks. The game is rigged, and nobody seems to notice, nobody seems to care. Good honest hard-working people -- white collar, blue collar, it doesn’t matter what color shirt you have on -- good honest hard-working people continue -- these are people of modest means -- continue to elect these rich c*cksuckers who don’t give a f*ck about them. They don’t give a f*ck about you. They don’t give a f*ck about you. They don't care about you at all -- at all -- at all. And nobody seems to notice, nobody seems to care. That's what the owners count on; the fact that Americans will probably remain willfully ignorant of the big red, white and blue dick that's being jammed up their assholes everyday. Because the owners of this country know the truth: it's called the American Dream, because you have to be asleep to believe it.
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Staro 22.04.2025., 21:08   #2468
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ne bi ju dobro naguzio, nego ju je sigurno kad je otisao kredit u obradu / odobravanje, pa je netko pitao "a obrt?"
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Staro 23.04.2025., 08:14   #2469
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Da ne znam da li je to zato jer je državna banka pa su djelatnici za ku*ac ili je neki drugi razlog. Uglavnom, vrlo loše iskustvo.
Više manje u svim bankama ti je slično, stariji kadar koji je znao posao bježi u mirovinu ili izvan banaka, ovi novi prvo čitaju kolektivni ugovor i pravilnik o radu da nauče svoja prava, ali ne da im se čitati recimo procedure za obradu kredita.
Ovo gore su mi komentirali članovi obitelji zaposleni u dvije različite banke


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Staro 23.04.2025., 10:58   #2470
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Dakle, svugdje isto, više manje.
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But there’s a reason. There’s a reason. There’s a reason for this, there’s a reason education sucks, and it’s the same reason that it will never, ever, ever be fixed. It’s never gonna get any better. Don’t look for it. Be happy with what you got. Because the owners of this country don't want that. I'm talking about the real owners now, the real owners, the big wealthy business interests that control things and make all the important decisions. Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice. You don't. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own and control the corporations. They’ve long since bought and paid for the senate, the congress, the state houses, the city halls, they got the judges in their back pockets and they own all the big media companies so they control just about all of the news and information you get to hear. They got you by the balls. They spend billions of dollars every year lobbying, lobbying, to get what they want. Well, we know what they want. They want more for themselves and less for everybody else, but I'll tell you what they don’t want: They don’t want a population of citizens capable of critical thinking. They don’t want well informed, well educated people capable of critical thinking. They’re not interested in that. That doesn’t help them. Thats against their interests. Thats right. They don’t want people who are smart enough to sit around a kitchen table to figure out how badly they’re getting f*cked by a system that threw them overboard 30 f*cking years ago. They don’t want that. You know what they want? They want obedient workers. Obedient workers. People who are just smart enough to run the machines and do the paperwork, and just dumb enough to passively accept all these increasingly shittier jobs with the lower pay, the longer hours, the reduced benefits, the end of overtime and the vanishing pension that disappears the minute you go to collect it, and now they’re coming for your Social Security money. They want your retirement money. They want it back so they can give it to their criminal friends on Wall Street, and you know something? They’ll get it. They’ll get it all from you, sooner or later, 'cause they own this f*cking place. It's a big club, and you ain’t in it. You and I are not in the big club. And by the way, it's the same big club they use to beat you over the head with all day long when they tell you what to believe. All day long beating you over the head in their media telling you what to believe, what to think and what to buy. The table is tilted folks. The game is rigged, and nobody seems to notice, nobody seems to care. Good honest hard-working people -- white collar, blue collar, it doesn’t matter what color shirt you have on -- good honest hard-working people continue -- these are people of modest means -- continue to elect these rich c*cksuckers who don’t give a f*ck about them. They don’t give a f*ck about you. They don’t give a f*ck about you. They don't care about you at all -- at all -- at all. And nobody seems to notice, nobody seems to care. That's what the owners count on; the fact that Americans will probably remain willfully ignorant of the big red, white and blue dick that's being jammed up their assholes everyday. Because the owners of this country know the truth: it's called the American Dream, because you have to be asleep to believe it.
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Staro 23.04.2025., 15:16   #2471
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Dakle, svugdje isto, više manje.
Ja sam 2018 popusio kredit kad sam dosao na solemnizacijuu kredita, morao dizati ponovo, skoro popusio nekretninu za koju sam dao 4ke kapare i tak, ZABA je bila u pitanju
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