{"id":5052,"date":"2022-07-26T15:23:09","date_gmt":"2022-07-26T13:23:09","guid":{"rendered":"https:\/\/domzalezamlade.si\/?p=5052"},"modified":"2022-07-26T15:23:09","modified_gmt":"2022-07-26T13:23:09","slug":"zakon-o-stanovanjski-jamstveni-shemi-za-mlade","status":"publish","type":"post","link":"https:\/\/salonupload.com\/dzm\/novica\/zakon-o-stanovanjski-jamstveni-shemi-za-mlade\/","title":{"rendered":"Zakon o stanovanjski jamstveni shemi za mlade"},"content":{"rendered":"<p>V aprilu 2022 sprejeti\u00a0<a href=\"https:\/\/www.uradni-list.si\/glasilo-uradni-list-rs\/vsebina?urlid=202254&amp;stevilka=1185\" target=\"_blank\" rel=\"noopener\"><strong>Zakon o stanovanjski jamstveni shemi za mlade<\/strong><\/a>\u00a0(Uradni list RS, \u0161t. 54\/2022, v nadaljevanju Zakon), ki je pri\u010del veljati 05. maja 2022, dolo\u010da, da bo dr\u017eava mladim slovenskim dr\u017eavljanom in dr\u017eavljankam s stalnim prebivali\u0161\u010dem v<strong> Sloveniji ob prvem re\u0161evanju stanovanjskega vpra\u0161anja dala jamstvo za najem ban\u010dnega posojila do 200.000 evrov in z ro\u010dnostjo do 30 let.\u00a0<\/strong>Pogoje, merila in postopke, ki jih dolo\u010da Zakon, podrobneje dolo\u010da\u00a0<a href=\"https:\/\/www.uradni-list.si\/glasilo-uradni-list-rs\/vsebina\/2022-01-1760\/uredba-o-izvajanju-zakona-o-stanovanjski-jamstveni-shemi-za-mlade\" target=\"_blank\" rel=\"noopener\"><strong>Uredba o izvajanju Zakona (Uradni list RS, \u0161t. 75\/2022)<\/strong>.<\/a><\/p>\n<p>Jamstva za stanovanjska posojila so\u00a0namenjena mladim do 38 let, pri \u010demer morajo hkrati izpolnjevati pogoj bodisi, da so \u010dlani mlade dru\u017eine bodisi zaposleni za dolo\u010den \u010das ali nedolo\u010den \u010das s povpre\u010dno neto pla\u010do v treh mesecih pred vlo\u017eitvijo vloge za posojilo enako ali ni\u017ejo od 1,5-kratnika povpre\u010dne mese\u010dne neto pla\u010de v Sloveniji, njihovi skupni obdav\u010dljivi dohodki, ki niso opro\u0161\u010deni pla\u010dila dohodnine, pa v letu pred najemom posojila ne bodo smeli presegati 1,5-kratnika povpre\u010dne letne neto pla\u010de v Sloveniji.<\/p>\n<p>Republika Slovenija bo\u00a0<strong>jamstvo v vi\u0161ini 100 odstotkov obveznosti lahko izdala za posojilo v znesku najve\u010d 200.000 evrov in z ro\u010dnostjo do 30 let. Pri tem bo moral kreditojemalec posojilo zavarovati s hipoteko in zagotoviti lastno udele\u017ebo v vi\u0161ini vsaj 20 odstotkov glavnice posojila.\u00a0<\/strong>Uredba o izvajanju Zakona (Uradni list RS, \u0161t. 75\/2022) podrobneje dolo\u010da tudi dokazila, ki jih kreditojemalec predlo\u017ei poslovni banki, pri kateri \u017eeli najeti posojilo z jamstvom dr\u017eave po Zakonu.<\/p>\n<p>Vir: SID Banka<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V aprilu 2022 sprejeti\u00a0Zakon o stanovanjski jamstveni shemi za mlade\u00a0(Uradni list RS, \u0161t. 54\/2022, v nadaljevanju Zakon), ki je pri\u010del veljati 05. maja 2022, dolo\u010da, da bo dr\u017eava mladim slovenskim dr\u017eavljanom in dr\u017eavljankam s stalnim prebivali\u0161\u010dem v Sloveniji ob prvem re\u0161evanju stanovanjskega vpra\u0161anja dala jamstvo za najem ban\u010dnega posojila do 200.000 evrov in z ro\u010dnostjo [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":5053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,29],"tags":[],"class_list":["post-5052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novice","category-stanovanje"],"acf":[],"_links":{"self":[{"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/posts\/5052","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/comments?post=5052"}],"version-history":[{"count":1,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/posts\/5052\/revisions"}],"predecessor-version":[{"id":5054,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/posts\/5052\/revisions\/5054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/media\/5053"}],"wp:attachment":[{"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/media?parent=5052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/categories?post=5052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/salonupload.com\/dzm\/wp-json\/wp\/v2\/tags?post=5052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}