20.500.12556/DKUM-94570 Pranje denarja v nepremičninskem sektorju v času stanovanjske krize v Ljubljani diplomsko delo univerzitetnega študijskega programa Varstvoslovje Money laundering in the real estate sector during the housing crisis in ljubljana V zaključnem delu smo obravnavali pojav pranja denarja v nepremičninskem sektorju v času stanovanjske krize v Ljubljani. Namen raziskave zaključnega dela je ugotoviti, ali razmere na trgu, zaznamovane z visokimi cenami, omejeno ponudbo in intenzivnim povpraševanjem, ustvarjajo priložnosti za vstop nezakonitih sredstev v zakonite finančne tokove. V teoretičnem delu so predstavljene faze pranja denarja – plasiranje, prikrivanje in integracija, ter tipologije, kot so uporaba slamnatih oseb, fiktivna posojila in podjetja v davčnih oazah. Uporabljen je kvalitativni raziskovalni pristop, podprt z analizo sekundarnih virov in osnovno kvantitativno obdelavo podatkov. Zbrani so podatki iz uradnih virov in zemljiške knjige za štiri nepremičninske projekte v Ljubljani. Na podlagi izpisov so analizirani lastniška struktura, prisotnost hipotek in tip kupcev. Izračunani deleži enot brez hipotek so upoštevani kot indikatorji tveganja. Ugotovljeno je, da je pomemben delež enot kupljen brez financiranja, pogosto s strani pravnih oseb. Čeprav neposrednih dokazov o kaznivih dejanjih ni bilo mogoče pridobiti, vzorci nakazujejo na potrebo po nadaljnjih raziskavah in večji transparentnosti v nepremičninskem sektorju. Sklepno je ugotovljeno, da stanovanjska kriza v Ljubljani poleg socialnih in ekonomskih vplivov predstavlja tudi sistemsko tveganje, ki bi ga lahko izkoristili akterji z nezakonitim kapitalom. This thesis addresses the phenomenon of money laundering in the real estate sector during the housing crisis in Ljubljana. The aim of the research is to determine whether market conditions characterised by high prices, limited supply and intense demand, create opportunities for integrating illicit funds into legitimate financial flows. The theoretical part outlines the stages of money laundering; placement, layering, and integration and describes common typologies such as the use of shell companies, fictitious loans, and offshore structures. A qualitative research approach is applied, supported by secondary data analysis and basic quantitative processing. Data is collected from official sources and the land registry for four real estate projects in Ljubljana. Based on land registry extracts, ownership structures, the presence of mortgages, and the type of buyers were analysed. The share of units purchased without mortgages is calculated as an indicator of potential risk. It is found that a significant number of units were bought without financing, often by legal entities. Although direct evidence of criminal activity could not be obtained, the patterns observed suggest the need for further research and greater transparency in the real estate sector. The findings conclude that the housing crisis in Ljubljana with its social and economic effects, also poses a systemic risk that could be exploited by persons with illicit capital. nepremičninski sektor stanovanjska kriza diplomske naloge money laundering real estate real estate sector housing crisis Ljubljana true true false M. Bizjak Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-08-21 13:10:47 2025-11-11 14:18:42 2025-11-12 03:36:34 0000-00-00 00:00:00 2025 0 Ljubljana 2025 Ljubljana VI f., 57 str. 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 343.9.024:336.7(043.2) 256756995 UN_Bizjak_Mark_2025.pdf UN_Bizjak_Mark_2025.pdf 1 094003C8076E819950C112201CF03698 1786e8a4c22160569d9ad96865a5182c16adfe67f79dac2817bd8d841c78b180 38c44f87-8cad-11f0-9059-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=197867 Fakulteta za varnostne vede 0 0 0