{"id":4499,"date":"2012-02-02T08:09:57","date_gmt":"2012-02-02T07:09:57","guid":{"rendered":"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/"},"modified":"2024-06-03T20:11:13","modified_gmt":"2024-06-03T18:11:13","slug":"vprasanje-bralca-z-dne-2-2-2012","status":"publish","type":"post","link":"https:\/\/insajder.si\/en\/vprasanje-bralca-z-dne-2-2-2012\/","title":{"rendered":"Vpra\u0161anje bralca z dne 2.2.2012"},"content":{"rendered":"<p><strong>Vpra\u0161anje bralca:<\/strong><br \/>\n&nbsp;<br \/>\n<em>&#8220;Pozdravljeni Zanima me kaj menite, da se bo zgodilo s krediti v prihodnosti? Predvsem me zanima kaj lahko pri\u010dakujem v primeru da imam kredit vezan na CHF, kak\u0161ni so mo\u017eni scenariji? Ali je smiselno v katerem trenutku vzeti nov kredit v EUR in tega odpla\u010dati? Mogo\u010de kak\u0161en drug predlog? Hvala za Va\u0161 odgovor!&#8221;<\/em><br \/>\n&nbsp;<\/p>\n<p><strong>Na\u0161 odgovor bralcu:<\/strong><br \/>\n&nbsp;<br \/>\nZ novim finan\u010dnim sistemom bodo obrestne mere najverjetneje zelo porasle, saj bodo banke, ki bodo solventne, na ta na\u010din \u017eelele pridobiti kapital v obliki depozitov. Recimo, da boste prodali plemenite kovine za novi denar, katerega boste potem nalo\u017eili na banko v zameno za zelo velike obresti, lahko tudi do 15-20%, kar pa je zgolj predvidevanje.<\/p>\n<p>Najem kredita bo najverjetneje zelo drag v primerjavi z dana\u0161njim, ko imamo zgodovinsko nizke obrestne mere, saj morajo centralne banke umetno vzdr\u017eevati nizke obrestne mere, da dr\u017eijo finan\u010dni sistem nad gladino. Tako nizke obresti kot so danes, so pravi blagoslov, \u010de imate dobro bonitetno oceno in dostop do financiranja kredita. \u010ce je le mo\u017eno, je v takem okolju smiselno vzeti karseda dolgoro\u010dni kredit s fiksno obrestno mero in nakupiti \u010dim ve\u010d plemenitih kovin v obliki palic in kovancev.<\/p>\n<p>\u0160vicarska centralna banka je pred kratkim vezala \u0161vicarski frank na evro pri vrednosti 1,2 franka za evro in dejala, da bo vzdr\u017eevala to razmerje. Se pravi, \u010de se bo frank okrepil v primerjavi z evrom, bo \u0161vicarska centralna banka nemudoma natiskala nove franke in na valutnem trgu z njimi kupila evro in tako zni\u017eala vrednost franka nazaj na omenjeno razmerje. Druga\u010de povedano, vseeno je ali imate trenutno denar v franku ali evru, vendar pa je veliko vpra\u0161anje, kaj bo \u0161vicarska centralna banka storila, \u010de evro za\u010dne strmoglavljati. V \u0160vici je zelo mo\u010dno javno gibanje, da frank ponovno vrnejo na zlato podlago, vendar bi s tem v obstoje\u010dem sistemu uni\u010dili izvozno gospodarstvo.<\/p>\n<p>Osebno bi v vsakem primeru raje najeli nov dolgoro\u010dni kredit s fiksno obrestno mero v evru, odpla\u010dali kredit v \u0161vicarskih frankih in z razliko nakupili plemenite kovine. Seveda ob pogoju, da dobivate pla\u010do ali kak drug dohodek v evrih.<br \/>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vpra\u0161anje bralca: &nbsp; &#8220;Pozdravljeni Zanima me kaj menite, da se bo zgodilo s krediti v prihodnosti? Predvsem me zanima kaj lahko pri\u010dakujem v primeru da imam kredit vezan na CHF, kak\u0161ni so mo\u017eni scenariji? Ali je smiselno v katerem trenutku vzeti nov kredit v EUR in tega odpla\u010dati? Mogo\u010de kak\u0161en drug predlog? Hvala za Va\u0161&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4500,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[130,78,75,76,122,66],"class_list":["post-4499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insajder-odgovarja","tag-chf","tag-evro","tag-financni-sistem","tag-kredit","tag-obrestne-mere","tag-plemenite-kovine"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Vpra\u0161anje bralca z dne 2.2.2012 - Insajder<\/title>\n<meta name=\"description\" content=\"V \u0160vici je zelo mo\u010dno javno gibanje, da frank ponovno vrnejo na zlato podlago, vendar bi s tem v obstoje\u010dem sistemu uni\u010dili izvozno gospodarstvo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vpra\u0161anje bralca z dne 2.2.2012\" \/>\n<meta property=\"og:description\" content=\"V \u0160vici je zelo mo\u010dno javno gibanje, da frank ponovno vrnejo na zlato podlago, vendar bi s tem v obstoje\u010dem sistemu uni\u010dili izvozno gospodarstvo.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\" \/>\n<meta property=\"og:site_name\" content=\"Insajder\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/insajder\" \/>\n<meta property=\"article:published_time\" content=\"2012-02-02T07:09:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-03T18:11:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insajder.si\/wp-content\/uploads\/2024\/05\/Insajder-odgovarja-predstavnostna-slika-50.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"460\" \/>\n\t<meta property=\"og:image:height\" content=\"338\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ekipa Insajder\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EkipaInsajder\" \/>\n<meta name=\"twitter:site\" content=\"@EkipaInsajder\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ekipa Insajder\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\"},\"author\":{\"name\":\"Ekipa Insajder\",\"@id\":\"https:\/\/insajder.si\/#\/schema\/person\/b90778abccff6cdecfd915e0078dc68e\"},\"headline\":\"Vpra\u0161anje bralca z dne 2.2.2012\",\"datePublished\":\"2012-02-02T07:09:57+00:00\",\"dateModified\":\"2024-06-03T18:11:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\"},\"wordCount\":376,\"publisher\":{\"@id\":\"https:\/\/insajder.si\/#organization\"},\"image\":{\"@id\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/insajder.si\/wp-content\/uploads\/2024\/05\/Insajder-odgovarja-predstavnostna-slika-50.jpg\",\"keywords\":[\"CHF\",\"evro\",\"finan\u010dni sistem\",\"kredit\",\"obrestne mere\",\"plemenite kovine\"],\"articleSection\":[\"Insajder odgovarja\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\",\"url\":\"https:\/\/insajder.si\/vprasanje-bralca-z-dne-2-2-2012\/\",\"name\":\"Vpra\u0161anje bralca z dne 2.2.2012 - 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