{"id":696,"date":"2025-09-19T10:04:57","date_gmt":"2025-09-19T10:04:57","guid":{"rendered":"https:\/\/dev.michel.hr\/marketplace\/?page_id=696"},"modified":"2026-03-27T14:35:02","modified_gmt":"2026-03-27T14:35:02","slug":"financiranje-energetske-obnove-putem-kredita","status":"publish","type":"page","link":"https:\/\/dev.michel.hr\/marketplace\/financiranje-energetske-obnove-putem-kredita\/","title":{"rendered":"Financiranje energetske obnove putem kredita"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"696\" class=\"elementor elementor-696\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-9e9f8fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e9f8fe\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db247c9\" data-id=\"db247c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4697d72 elementor-widget elementor-widget-heading\" data-id=\"4697d72\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Financiranje obnove<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05960dc elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"05960dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Financiranje energetske obnove putem kredita<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-375413c elementor-widget elementor-widget-spacer\" data-id=\"375413c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ceb8d elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"47ceb8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ako javni pozivi nisu dostupni ili \u017eelite br\u017ee pokrenuti projekt, banke nude posebne kreditne linije za financiranje energetske obnove obiteljskih ku\u0107a i vi\u0161estambenih zgrada. Kod vi\u0161estambenih zgrada krediti se naj\u010de\u0161\u0107e otpla\u0107uju dugoro\u010dno kroz pri\u010duvu, dok se za obiteljske ku\u0107e ugovaraju individualni krediti. U oba slu\u010daja, postupak zahtijeva odgovaraju\u0107u tehni\u010dku dokumentaciju, a kod zgrada i odluku ve\u0107ine suvlasnika.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-4dc6733 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dc6733\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41ded72\" data-id=\"41ded72\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e47dd7f elementor-widget__width-inherit elementor-widget-tablet__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"e47dd7f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Glavni koraci<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf95e05 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bf95e05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Krediti za obnovu \u010desto dolaze u obliku posebnih \u2018zelenih\u2019 programa s prilago\u0111enim uvjetima otplate. Ovaj oblik financiranja omogu\u0107uje da se radovi provode odmah, a tro\u0161kovi rasporede kroz dulje razdoblje. Na ovoj stranici nalazi se pregled dostupnih kreditnih linija i banaka koje nude takve proizvode.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e3d916e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3d916e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f1a157d\" data-id=\"f1a157d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d22c4c9 bdt-icon-type-icon elementor-position-top bdt-icon-effect-none elementor-widget elementor-widget-bdt-advanced-icon-box\" data-id=\"d22c4c9\" data-element_type=\"widget\" data-widget_type=\"bdt-advanced-icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-icon\">\n\t\t\t\t<span class=\"bdt-ep-advanced-icon-box-icon-wrap\">\n\n\n\t\t\t\t\t\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><g clip-path=\"url(#clip0_478_1361)\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"#F1511B\"><\/rect><path d=\"M27.0923 13.6364V34H23.4034V17.2259H23.2841L18.5213 20.2685V16.8878L23.5824 13.6364H27.0923Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_478_1361\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\n\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\n\t\t\t<div class=\"bdt-ep-advanced-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h4 class=\"bdt-ep-advanced-icon-box-title ep-title-\">\n\t\t\t\t<span >\n\t\t\t\t\tSklapanje ugovora\t\t\t\t<\/span>\n\t\t\t<\/h4>\n\t\t\n\n\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-description\">\n\t\t\t\t\t\t<p>Banka sklapa s vlasnicima ili suvlasnicima ku\u0107e\/zgrade<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-c487494\" data-id=\"c487494\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-773e86c bdt-icon-type-icon elementor-position-top bdt-icon-effect-none elementor-widget elementor-widget-bdt-advanced-icon-box\" data-id=\"773e86c\" data-element_type=\"widget\" data-widget_type=\"bdt-advanced-icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-icon\">\n\t\t\t\t<span class=\"bdt-ep-advanced-icon-box-icon-wrap\">\n\n\n\t\t\t\t\t\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><g clip-path=\"url(#clip0_478_1372)\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"#F1511B\"><\/rect><path d=\"M16.8097 34V31.3352L23.8793 24.4048C24.5554 23.7221 25.1188 23.1155 25.5696 22.5852C26.0204 22.0549 26.3584 21.5412 26.5838 21.044C26.8092 20.5469 26.9219 20.0166 26.9219 19.4531C26.9219 18.8101 26.776 18.2599 26.4844 17.8026C26.1927 17.3385 25.7917 16.9806 25.2812 16.7287C24.7708 16.4768 24.1908 16.3509 23.5412 16.3509C22.8717 16.3509 22.285 16.4901 21.7812 16.7685C21.2775 17.0402 20.8864 17.428 20.608 17.9318C20.3362 18.4356 20.2003 19.0355 20.2003 19.7315H16.6903C16.6903 18.4389 16.9853 17.3153 17.5753 16.3608C18.1652 15.4062 18.9773 14.6671 20.0114 14.1435C21.0521 13.6198 22.2453 13.358 23.5909 13.358C24.9564 13.358 26.1563 13.6132 27.1903 14.1236C28.2244 14.634 29.0265 15.3333 29.5966 16.2216C30.1733 17.1098 30.4616 18.1241 30.4616 19.2642C30.4616 20.0265 30.3158 20.7756 30.0241 21.5114C29.7325 22.2472 29.2188 23.0625 28.483 23.9574C27.7538 24.8523 26.7296 25.9361 25.4105 27.2088L21.9006 30.7784V30.9176H30.7699V34H16.8097Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_478_1372\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\n\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\n\t\t\t<div class=\"bdt-ep-advanced-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h4 class=\"bdt-ep-advanced-icon-box-title ep-title-\">\n\t\t\t\t<span >\n\t\t\t\t\tRok povrata\t\t\t\t<\/span>\n\t\t\t<\/h4>\n\t\t\n\n\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-description\">\n\t\t\t\t\t\t<p>Ovisno o banci 15-20 godina<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-99b859b\" data-id=\"99b859b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9a6d6e bdt-icon-type-icon elementor-position-top bdt-icon-effect-none elementor-widget elementor-widget-bdt-advanced-icon-box\" data-id=\"a9a6d6e\" data-element_type=\"widget\" data-widget_type=\"bdt-advanced-icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-icon\">\n\t\t\t\t<span class=\"bdt-ep-advanced-icon-box-icon-wrap\">\n\n\n\t\t\t\t\t\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><g clip-path=\"url(#clip0_478_1379)\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"#F1511B\"><\/rect><path d=\"M24.1179 34.2784C22.6861 34.2784 21.4134 34.0331 20.2997 33.5426C19.1927 33.0521 18.3177 32.3693 17.6747 31.4943C17.0317 30.6193 16.6903 29.6084 16.6506 28.4616H20.3892C20.4223 29.0118 20.6046 29.4924 20.9361 29.9034C21.2675 30.3078 21.7083 30.6226 22.2585 30.848C22.8087 31.0734 23.4252 31.1861 24.108 31.1861C24.8371 31.1861 25.4834 31.0601 26.0469 30.8082C26.6103 30.5497 27.0511 30.1918 27.3693 29.7344C27.6875 29.277 27.8433 28.75 27.8366 28.1534C27.8433 27.5369 27.6842 26.9934 27.3594 26.5227C27.0346 26.0521 26.5639 25.6842 25.9474 25.419C25.3376 25.1539 24.6018 25.0213 23.7401 25.0213H21.9403V22.1776H23.7401C24.4493 22.1776 25.0691 22.0549 25.5994 21.8097C26.1364 21.5644 26.5573 21.2197 26.8622 20.7756C27.1671 20.3248 27.3163 19.8045 27.3097 19.2145C27.3163 18.6378 27.187 18.1373 26.9219 17.7131C26.6634 17.2822 26.2955 16.9474 25.8182 16.7088C25.3475 16.4702 24.794 16.3509 24.1577 16.3509C23.5346 16.3509 22.9579 16.4635 22.4276 16.6889C21.8973 16.9143 21.4697 17.2358 21.1449 17.6534C20.8201 18.0644 20.6477 18.5549 20.6278 19.125H17.0781C17.1046 17.9848 17.4328 16.9839 18.0625 16.1222C18.6989 15.2538 19.5473 14.5777 20.608 14.0938C21.6686 13.6032 22.8584 13.358 24.1776 13.358C25.5365 13.358 26.7164 13.6132 27.7173 14.1236C28.7249 14.6274 29.5038 15.3068 30.054 16.1619C30.6042 17.017 30.8793 17.9616 30.8793 18.9957C30.8859 20.1425 30.5478 21.1037 29.8651 21.8793C29.1889 22.6548 28.3007 23.1619 27.2003 23.4006V23.5597C28.6321 23.7585 29.7292 24.2888 30.4915 25.1506C31.2604 26.0057 31.6416 27.0696 31.6349 28.3423C31.6349 29.4825 31.3101 30.5033 30.6605 31.4048C30.0175 32.2997 29.1293 33.0024 27.9957 33.5128C26.8688 34.0232 25.5762 34.2784 24.1179 34.2784Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_478_1379\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\n\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\n\t\t\t<div class=\"bdt-ep-advanced-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h4 class=\"bdt-ep-advanced-icon-box-title ep-title-\">\n\t\t\t\t<span >\n\t\t\t\t\tPovrat kredita\t\t\t\t<\/span>\n\t\t\t<\/h4>\n\t\t\n\n\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-description\">\n\t\t\t\t\t\t<p>Mogu\u0107e u mjese\u010dnim ratama ili anuitetima<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f3a804f\" data-id=\"f3a804f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a395072 bdt-icon-type-icon elementor-position-top bdt-icon-effect-none elementor-widget elementor-widget-bdt-advanced-icon-box\" data-id=\"a395072\" data-element_type=\"widget\" data-widget_type=\"bdt-advanced-icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-icon\">\n\t\t\t\t<span class=\"bdt-ep-advanced-icon-box-icon-wrap\">\n\n\n\t\t\t\t\t\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\"><g clip-path=\"url(#clip0_478_1386)\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"#F1511B\"><\/rect><path d=\"M15.4418 30.2216V27.2884L24.0824 13.6364H26.5284V17.8125H25.0369L19.2202 27.0298V27.1889H31.2812V30.2216H15.4418ZM25.1562 34V29.3267L25.196 28.0142V13.6364H28.6761V34H25.1562Z\" fill=\"white\"><\/path><\/g><defs><clipPath id=\"clip0_478_1386\"><rect width=\"48\" height=\"48\" rx=\"8\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\n\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\n\t\t\t<div class=\"bdt-ep-advanced-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h4 class=\"bdt-ep-advanced-icon-box-title ep-title-\">\n\t\t\t\t<span >\n\t\t\t\t\tDokumentacija\t\t\t\t<\/span>\n\t\t\t<\/h4>\n\t\t\n\n\t\t\n\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-advanced-icon-box-description\">\n\t\t\t\t\t\t<p>Dostupna na stranicama banaka &#8211; vidi ispod<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9dea948 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9dea948\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-629554e\" data-id=\"629554e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87cb23f elementor-widget elementor-widget-heading\" data-id=\"87cb23f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Financiranje obnove<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fcf8af elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"8fcf8af\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">dostupni krediti\ni javne potpore<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3541b24 elementor-widget elementor-widget-shortcode\" data-id=\"3541b24\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n    <div class=\"krediti-swiper-wrap\">\n      <div class=\"krediti-swiper swiper\" aria-roledescription=\"carousel\">\n        <div class=\"swiper-wrapper\">\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/erste-banka\/\" aria-label=\"Erste banka\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                  <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-300x300.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Erste banka\" loading=\"lazy\" srcset=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-300x300.png 300w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-150x150.png 150w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka.png 512w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">Erste banka<\/p>\n                                      <p class=\"kredit-card__subtitle\">EKO stambeni krediti<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/otp-banka\/\" aria-label=\"OTP Banka\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                  <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"57\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka-300x57.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"OTP Banka\" loading=\"lazy\" srcset=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka-300x57.png 300w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka.png 627w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">OTP Banka<\/p>\n                                      <p class=\"kredit-card__subtitle\">Kreditni proizvodi za energetsku obnovu obiteljske ku\u0107e ili vi\u0161estambene zgrade<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/test\/\" aria-label=\"test\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                                      <img decoding=\"async\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/themes\/outgrid\/assets\/placeholder-320x180.png\" alt=\"test\" loading=\"lazy\" \/>\n                                  <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">test<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                  <\/div>\n\n        <div class=\"swiper-button-prev\" aria-label=\"Prethodno\"><\/div>\n        <div class=\"swiper-button-next\" aria-label=\"Sljede\u0107e\"><\/div>\n      <\/div>\n    <\/div>\n\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f1638d e-n-tabs-none elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"3f1638d\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;enable&quot;,&quot;tabs_justify_horizontal&quot;:&quot;start&quot;,&quot;horizontal_scroll_mobile&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"66151309\" aria-label=\"Tabulatori. Otvorite stavke pomo\u0107u Enter ili Space, zatvorite pomo\u0107u Escapea i kre\u0107ite se pomo\u0107u tipki sa strelicama.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-661513091\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-661513091\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tObiteljska ku\u0107a\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-661513092\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-661513092\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tVi\u0161estambena zgrada\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-661513091\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-661513091\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-ed0db03 e-con-full e-flex e-con e-child\" data-id=\"ed0db03\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7411334 elementor-widget elementor-widget-shortcode\" data-id=\"7411334\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n    <div class=\"krediti-swiper-wrap\">\n      <div class=\"krediti-swiper swiper\" aria-roledescription=\"carousel\">\n        <div class=\"swiper-wrapper\">\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/erste-banka\/\" aria-label=\"Erste banka\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                  <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-300x300.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Erste banka\" loading=\"lazy\" srcset=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-300x300.png 300w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka-150x150.png 150w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2025\/09\/Erste-banka.png 512w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">Erste banka<\/p>\n                                      <p class=\"kredit-card__subtitle\">EKO stambeni krediti<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/otp-banka\/\" aria-label=\"OTP Banka\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                  <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"57\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka-300x57.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"OTP Banka\" loading=\"lazy\" srcset=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka-300x57.png 300w, https:\/\/dev.michel.hr\/marketplace\/wp-content\/uploads\/2026\/02\/Logo_OTP-banka.png 627w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">OTP Banka<\/p>\n                                      <p class=\"kredit-card__subtitle\">Kreditni proizvodi za energetsku obnovu obiteljske ku\u0107e ili vi\u0161estambene zgrade<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                      <a class=\"swiper-slide kredit-card\" href=\"https:\/\/dev.michel.hr\/marketplace\/krediti\/test\/\" aria-label=\"test\" target=\"_blank\" rel=\"noopener\">\n              <div class=\"kredit-card__inner\">\n                <div class=\"kredit-card__img\">\n                                      <img decoding=\"async\" src=\"https:\/\/dev.michel.hr\/marketplace\/wp-content\/themes\/outgrid\/assets\/placeholder-320x180.png\" alt=\"test\" loading=\"lazy\" \/>\n                                  <\/div>\n                <div class=\"kredit-card__body\">\n                  <p class=\"kredit-card__title\">test<\/p>\n                                  <\/div>\n              <\/div>\n            <\/a>\n                  <\/div>\n\n        <div class=\"swiper-button-prev\" aria-label=\"Prethodno\"><\/div>\n        <div class=\"swiper-button-next\" aria-label=\"Sljede\u0107e\"><\/div>\n      <\/div>\n    <\/div>\n\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-661513092\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-661513092\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-cc85bea e-con-full e-flex e-con e-child\" data-id=\"cc85bea\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9ab220 elementor-widget elementor-widget-shortcode\" data-id=\"b9ab220\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-2542d9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2542d9b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-885e4b1\" data-id=\"885e4b1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6778299 elementor-widget elementor-widget-spacer\" data-id=\"6778299\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b2fcbab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2fcbab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b8abdcd\" data-id=\"b8abdcd\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8d14b4 elementor-widget elementor-widget-spacer\" data-id=\"a8d14b4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f84199d\" data-id=\"f84199d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2649f6 elementor-widget elementor-widget-heading\" data-id=\"e2649f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Bankarski krediti omogu\u0107uju pokretanje energetske obnove i kada javni pozivi nisu dostupni. Dostupne su kreditne linije za obiteljske ku\u0107e i vi\u0161estambene zgrade, uz razli\u010dite modele otplate. OSS centri poma\u017eu korisnicima razumjeti mogu\u0107nosti financiranja i potrebne korake prije ugovaranja kredita.<\/h4>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3caf5c4 e-flex e-con-boxed e-con e-parent\" data-id=\"3caf5c4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-511ce51 elementor-widget elementor-widget-button\" data-id=\"511ce51\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dev.michel.hr\/marketplace\/kontakt\/#zagreb\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 12H20M20 12L14 6M20 12L14 18\" stroke=\"#003032\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">OSS Zagreb<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5311aa7 elementor-widget elementor-widget-button\" data-id=\"5311aa7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dev.michel.hr\/marketplace\/kontakt\/#krizevci\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 12H20M20 12L14 6M20 12L14 18\" stroke=\"#003032\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">OSS Kri\u017eevci<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dbcb72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dbcb72\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a8ff7d6\" data-id=\"a8ff7d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5f2bb8 elementor-widget elementor-widget-heading\" data-id=\"d5f2bb8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u010cESTA<br>\nPITANJA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7025f67 elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"7025f67\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dev.michel.hr\/marketplace\/sva-cesta-pitanja\/\" id=\"naTvrtke\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 12H20M20 12L14 6M20 12L14 18\" stroke=\"#003032\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Sva \u010desta pitanja<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-501ecbe\" data-id=\"501ecbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e52df04 elementor-widget elementor-widget-bdt-accordion\" data-id=\"e52df04\" data-element_type=\"widget\" data-widget_type=\"bdt-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-container\">\n\t\t\t<div id=\"bdt-ep-accordion-e52df04\" class=\"bdt-ep-accordion bdt-accordion\" data-bdt-accordion=\"{&quot;collapsible&quot;:true,&quot;multiple&quot;:false,&quot;transition&quot;:&quot;ease-in-out&quot;}\" \t\tdata-settings=\"{&quot;id&quot;:&quot;bdt-ep-accordion-e52df04&quot;,&quot;activeHash&quot;:&quot;no&quot;,&quot;activeScrollspy&quot;:null,&quot;hashTopOffset&quot;:false,&quot;hashScrollspyTime&quot;:false,&quot;closeAllItemsOnMobile&quot;:false}\">\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item bdt-open\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-tko-moe-podii-kredit-za-energetsku-obnovu-viestambene-zgrade\"\n\t\t\t\t\t\t\tdata-accordion-index=\"0\" data-title=\"tko-mo-e-podi-i-kredit-za-energetsku-obnovu-vi-estambene-zgrade\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTko mo\u017ee podi\u0107i kredit za energetsku obnovu vi\u0161estambene zgrade?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Za obiteljske ku\u0107e: Banka sklapa ugovor s vlasnikom \/ suvlasnicima ku\u0107e. <br \/>Za vi\u0161estambene zgrade: Kredit u pravilu sklapa upravitelj zgrade u ime suvlasnika, temeljem njihovog ovla\u0161tenja. S obzirom na novi Zakon o upravljanju i odr\u017eavanju zgrada, o\u010dekuje se da \u0107e ugovore potpisivati sama \u201czgrada\u201d kao pravna osoba sa svojim OIB-om.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-kako-izgleda-proces-podizanja-kredita-u-banci-za-vlasnike-viestambenih-zgrada\"\n\t\t\t\t\t\t\tdata-accordion-index=\"1\" data-title=\"kako-izgleda-proces-podizanja-kredita-u-banci-za-vlasnike-vi-estambenih-zgrada\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tKako izgleda proces podizanja kredita u banci za vlasnike vi\u0161estambenih zgrada?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Kako izgleda proces podizanja kredita u banci za vlasnike vi\u0161estambenih zgrada?<br \/>1. Banka sklapa ugovor s upraviteljem zgrade kojeg su suvlasnici ovlastili (napomena: Banke \u0107e ovo vjerojatno promijeniti jer je na snagu stupio Zakon o upravljanju i odr\u017eavanju zgrada u \u010dijem se \u010dlanku 8 definira pravna osobnost zajednice suvlasnika. Pritom zgrada dobiva OIB, tako da bi se ugovori trebali sklapati sa &#8220;Zgradom&#8221;, odnosno zajednicom suvlasnika. <br \/>2. Rok i na\u010din povrata kredita ovisi o banci: 15-20 godina u mjese\u010dnim ratama ili anuitetima.<br \/><strong>3. Banci se dostavlja potrebna dokumentacija. Ovisno o banci, tra\u017eeni dokumenti mogu biti:<\/strong><\/p><ul><li>Zahtjev za kredit potpisan od strane Upravitelja zgrade kao zastupnika suvlasnika<\/li><li>Ugovor o upravljanju zgradom<\/li><li>Me\u0111uvlasni\u010dki ugovor<\/li><li>Analiti\u010dka kartica vi\u0161estambene zgrade s obra\u010dunatim iznosima zajedni\u010dke pri\u010duve za prethodnih 12 mjeseci<\/li><li>Projekcija redovitih tro\u0161kova stambene zgrade<\/li><li>Original prihva\u0107enog tro\u0161kovnika \/ zaklju\u010denog ugovora o izvo\u0111enju radova koji se financiraju sredstvima kredita<\/li><li>Odluka o zadu\u017eenju zgrade \/ odluka o pove\u0107anju pri\u010duve \/ punomo\u0107 predstavniku suvlasnika ovjerena kod javnog bilje\u017enika (potpis suvlasnika koji posjeduju minimalno 70% povr\u0161ine suvlasni\u010dkih dijelova)<\/li><li>Dokaz o vlasni\u0161tvu i veli\u010dini pojedinih suvlasni\u010dkih dijelova nekretnine, potpisan i ovjeren od strane Upravitelja, ne stariji od 30 dana od dana podno\u0161enja zahtjeva<\/li><li>Izvadak iz zemlji\u0161nih knjiga zgrade i svakog posebnog dijela, ne stariji od 30 dana<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-je-li-potrebno-da-svi-suvlasnici-zgrade-pristanu-na-kredit\"\n\t\t\t\t\t\t\tdata-accordion-index=\"2\" data-title=\"je-li-potrebno-da-svi-suvlasnici-zgrade-pristanu-na-kredit\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tJe li potrebno da svi suvlasnici zgrade pristanu na kredit?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Ne, ali <strong>najmanje 70% suvlasni\u010dkih udjela mora glasati \u201cza\u201d<\/strong> zadu\u017eenje ili pove\u0107anje pri\u010duve, a odluka mora biti ovjerena kod javnog bilje\u017enika.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-koliki-je-rok-otplate-kredita\"\n\t\t\t\t\t\t\tdata-accordion-index=\"3\" data-title=\"koliki-je-rok-otplate-kredita\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tKoliki je rok otplate kredita?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Rok povrata kredita ovisi o banci, a obi\u010dno iznosi 15 do 20 godina. Vrijedi i za obiteljske ku\u0107e i za vi\u0161estambene zgrade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-na-koji-nain-se-otplauje-kredit\"\n\t\t\t\t\t\t\tdata-accordion-index=\"4\" data-title=\"na-koji-na-in-se-otpla-uje-kredit\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNa koji na\u010din se otpla\u0107uje kredit?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Kredit se vra\u0107a u mjese\u010dnim ratama ili anuitetima, ovisno o uvjetima banke. Vrijedi i za obiteljske ku\u0107e i za vi\u0161estambene zgrade.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-koje-tehnike-aspekte-banke-uzimaju-u-obzir\"\n\t\t\t\t\t\t\tdata-accordion-index=\"5\" data-title=\"koje-tehni-ke-aspekte-banke-uzimaju-u-obzir\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tKoje tehni\u010dke aspekte banke uzimaju u obzir?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Banke tra\u017ee dokumentaciju koja pokazuje financijsku odr\u017eivost i tehni\u010dku spremnost projekta: od analiti\u010dke kartice pri\u010duve do projekcija tro\u0161kova i odluka suvlasnika.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"bdt-ep-accordion-item\">\n\t\t\t\t\t\t<div\t\t\t\t\t\t\tclass=\"bdt-ep-accordion-title bdt-accordion-title bdt-flex bdt-flex-middle bdt-flex-between\" id=\"bdt-ep-accordion-moe-li-se-energetska-obnova-financirati-kombinacijom-subvencije-i-kredita\"\n\t\t\t\t\t\t\tdata-accordion-index=\"6\" data-title=\"mo-e-li-se-energetska-obnova-financirati-kombinacijom-subvencije-i-kredita\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon bdt-flex-align-right\"\n\t\t\t\t\t\t\t\t\taria-hidden=\"true\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-closed\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-plus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-ep-accordion-icon-opened\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa-fw ti ti-minus\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<span role=\"heading\" class=\"bdt-ep-title-text bdt-flex-inline bdt-flex-middle\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMo\u017ee li se energetska obnova financirati kombinacijom subvencije i kredita?\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"bdt-ep-accordion-content bdt-accordion-content\">\n\t\t\t\t\t\t\t<p>Da. Energetska obnova ku\u0107e ili stana mo\u017ee se financirati kombinacijom javne potpore (npr.<br \/>putem poziva Fond za za\u0161titu okoli\u0161a i energetsku u\u010dinkovitost) i bankovnog kredita. Ovaj model<br \/>je u praksi vrlo \u010dest jer omogu\u0107uje da se investicija pokrene odmah, bez \u010dekanja da imate<br \/>cjelokupan iznos vlastitih sredstava.<br \/>U pravilu javni poziv pokriva odre\u0111eni postotak prihvatljivih tro\u0161kova (primjerice 40\u201360%), dok<br \/>ostatak financirate sami \u2013 naj\u010de\u0161\u0107e kreditom ili kombinacijom kredita i vlastitih sredstava. Ve\u0107ina<br \/>ve\u0107ih banaka u Hrvatskoj nudi tzv. zelene ili EKO kredite namijenjene upravo za mjere<br \/>energetske u\u010dinkovitosti, poput toplinske izolacije, zamjene stolarije, ugradnje dizalice topline ili<br \/>sun\u010dane elektrane.<br \/>Postupak obi\u010dno izgleda ovako: najprije se prijavljujete na javni poziv i, ako je projekt odobren,<br \/>dobivate ugovor o sufinanciranju u kojem je jasno definiran iznos i postotak potpore. Kredit se<br \/>mo\u017ee ugovoriti za cjelokupnu investiciju, uklju\u010duju\u0107i i dio koji \u0107e kasnije biti refundiran kroz<br \/>potporu. Radovi se potom pla\u0107aju iz kredita ili vlastitih sredstava. Nakon zavr\u0161etka radova i<br \/>dostave potrebne dokumentacije, Fond ispla\u0107uje odobrena sredstva. Taj iznos mo\u017eete iskoristiti<br \/>za djelomi\u010dnu prijevremenu otplatu kredita ili za smanjenje glavnice.<br \/>Va\u017eno je naglasiti da se uvjeti razlikuju ovisno o konkretnom javnom pozivu i politici banke. Prije<br \/>prijave preporu\u010dujemo informirati se o potrebnoj dokumentaciji (projekt, tro\u0161kovnik, energetski<br \/>certifikat) te pravovremeno uskladiti uvjete kredita s planiranom potporom kako bi financijska<br \/>konstrukcija bila stabilna i jasno definirana. Uzmite u obzir da banka procjenjuje kreditnu<br \/>sposobnost i koristi dokumentaciju (projekt, tro\u0161kovnik, energetski certifikat) da odobri kredit za<br \/>energetsku obnovu.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e1533c elementor-align-justify elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"5e1533c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dev.michel.hr\/marketplace\/obiteljska-kuca\/\" id=\"naTvrtke\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M4 12H20M20 12L14 6M20 12L14 18\" stroke=\"#003032\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Sva \u010desta pitanja<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financiranje obnove Financiranje energetske obnove putem kredita Ako javni pozivi nisu dostupni ili \u017eelite br\u017ee pokrenuti projekt, banke nude posebne kreditne linije [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-696","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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