20.500.12556/DKUM-12793 ODLOČANJE MED FINANCIRANJEM S KREDITOM IN LEASINGOM NA PRIMERU NAKUPA NEPREMIČNINE DECIDING BETWEEN THE CREDIT AND LEASE FOR FINANCING THE REAL ESTATE PURCHASE. Nepremičnina predstavlja danes eno izmed pomembnejših ekonomskih dobrin za posameznika. Je ena tistih investicij, ki jih opravimo zgolj enkrat v življenju, zato je treba to odločitev o financiranju nepremičnine opraviti zelo premišljeno. Za nakup nepremičnine potrebujemo določen znesek denarja. Nekateri ga imajo dovolj, drugi, manj premožni, pa si morajo tukaj pomagati z najemom kredita ali leasinga. Ker je bolj malo tistih, ki imajo na voljo dovolj denarja za takšno investicijo, sem se odločila podrobneje predstaviti financiranje s kreditom in leasingom. Moja diplomska naloga obravnava torej temo z naslovom Odločanje med nakupom nepremičnine s kreditom in leasingom, kjer sem ugotavljala prednosti ene in druge oblike, v čem se razlikujeta ter kaj imata skupnega. Na koncu sem naredila še računsko primerjavo na primeru Banke Koper. V tem delu naloge sem ugotovila, da je financiranje s kreditom za posameznika bolj varno in ugodno, saj postanejo s podpisom pogodbe pravni in ekonomski lastniki predmeta financiranja, hkrati pa imajo tudi manjše stroške kot pri financiranju z leasingom. Odločitev vsakega posameznika pa je, za kakšen način financiranja se bo odločil, ter kaj mu več pomeni. Če je to lastništvo nad predmetom financiranja ter s tem tudi njegova varnost, se bo odločil za kredit, v nasprotnem primeru, če mu lastništvo ni toliko pomembno, pa za leasing ali katerokoli drugo obliko. Property represents today one of the most important economic assets for individuals. It is one of those investments carried out by only once in a lifetime, so this should be a decision on the financing of property made with great care. For real estate we need a certain amount of money. Some of you have enough, other, less wealthy, you must be here to help with the rental or leasing of credit. Because it is a small part of those, who have enough money for such investment, I decided to introduce more details of financing by credit and lease. My work handle with the subject with title Deciding between the financing with credit or lease on case of purchase buildings, where I have find out the advantages and disadvantages, differences between them and common characteristics. In the end I made a calculation in comparison in the case from enterprise Banka Koper, d.d. In this part I found out that the financing with a credit is more safer and favourable for an individual, because with signing of the contract we become an economical and legal owner of the financed object and it costs less. Each individual decides for himself the way of financing and what is for him more important. In a case when ownership is most important for him and with this also his safety, he will decide for a credit, and otherwise, if ownership isn´t so much important for him, he can choose a lease. financiranje kredit leasing leasingojemalec leasingodajalec banka nepremičnine zavarovanje kredita finančni leasing operativni leasing stanovanjska problematika financing credit lease leasing giver leasing taker bank property credit insurance financial leasing operative leasing residential problems. true true false [R. Grajfoner] Slovenski jezik Angleški jezik Diplomsko delo 2009-12-23 13:09:04 2010-05-24 14:15:23 2022-04-12 07:48:24 2022-04-20 03:14:39 2009 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 10230556 URN:SI:UM:DK:FPFTXUQA VS_Grajfoner_Renata_2009.pdf VS_Grajfoner_Renata_2009.pdf 1 73715E980B4411FD6B9EEE7DF68200C2 69468763e379e89c6856f838d445ab62e5684a9a3ea494bb9629069a2e1a2ee3 bcac6878-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/d6272681-7d8b-4dd3-83c7-478ea1ea4551 https://dk.um.si/Dokument.php?lang=slv&id=12493 Ekonomsko-poslovna fakulteta 0 0 0