{"id":2494,"date":"2026-10-23T01:49:46","date_gmt":"2026-10-22T23:49:46","guid":{"rendered":"https:\/\/eklik.co\/?page_id=2494"},"modified":"2026-10-23T01:52:20","modified_gmt":"2026-10-22T23:52:20","slug":"kreditni-kalkulator","status":"publish","type":"page","link":"https:\/\/eklik.co\/sl\/kreditni-kalkulator\/","title":{"rendered":"Kreditni kalkulator: izra\u010dun obroka kredita in amortizacijski na\u010drt"},"content":{"rendered":"<h1>Kreditni kalkulator: izra\u010dun obroka kredita in amortizacijski na\u010drt<\/h1>\n<p>Vnesite znesek kredita, obrestno mero in dobo odpla\u010devanja ter takoj dobite mese\u010dni obrok, skupne obresti in oceno efektivne obrestne mere (EOM). Kalkulator je primeren za gotovinske, stanovanjske in avtomobilske kredite, z anuitetnim odpla\u010devanjem ali enakimi deli glavnice.<\/p>\n<div class=\"ekl\" id=\"ekl-si\" data-ekl=\"{&quot;fmt&quot;:[&quot;,&quot;,&quot;.&quot;,&quot;\\u20ac&quot;,&quot;after&quot;,&quot;\\u00a0&quot;,&quot;\\u00a0&quot;],&quot;s&quot;:{&quot;amount&quot;:&quot;Znesek kredita&quot;,&quot;rate&quot;:&quot;Obrestna mera&quot;,&quot;rate_sub&quot;:&quot;nominalna, letna&quot;,&quot;term&quot;:&quot;Doba odpla\\u010devanja&quot;,&quot;y&quot;:&quot;let&quot;,&quot;m&quot;:&quot;mes.&quot;,&quot;years&quot;:&quot;Leta&quot;,&quot;months&quot;:&quot;Meseci&quot;,&quot;type&quot;:&quot;Na\\u010din odpla\\u010devanja&quot;,&quot;ann&quot;:&quot;Enaki obroki&quot;,&quot;ann_sub&quot;:&quot;anuiteta&quot;,&quot;lin&quot;:&quot;Enaki deli glavnice&quot;,&quot;lin_sub&quot;:&quot;obrok se zni\\u017euje&quot;,&quot;fee&quot;:&quot;Stro\\u0161ki odobritve&quot;,&quot;fee_sub&quot;:&quot;neobvezno, % zneska&quot;,&quot;payment&quot;:&quot;Mese\\u010dni obrok&quot;,&quot;first&quot;:&quot;Prvi obrok&quot;,&quot;last&quot;:&quot;Zadnji obrok&quot;,&quot;interest&quot;:&quot;Skupaj obresti&quot;,&quot;fee_amt&quot;:&quot;Stro\\u0161ki odobritve&quot;,&quot;total&quot;:&quot;Skupaj za odpla\\u010dilo&quot;,&quot;eff&quot;:&quot;EOM (ocena)&quot;,&quot;eff_note&quot;:&quot;Ocena EOM vklju\\u010duje obresti in stro\\u0161ke odobritve, brez zavarovanja in drugih stro\\u0161kov.&quot;,&quot;plan&quot;:&quot;Amortizacijski na\\u010drt&quot;,&quot;by_y&quot;:&quot;Po letih&quot;,&quot;by_m&quot;:&quot;Po mesecih&quot;,&quot;c_y&quot;:&quot;Leto&quot;,&quot;c_m&quot;:&quot;Mesec&quot;,&quot;c_pay&quot;:&quot;Pla\\u010dano&quot;,&quot;c_pr&quot;:&quot;Glavnica&quot;,&quot;c_in&quot;:&quot;Obresti&quot;,&quot;c_bal&quot;:&quot;Preostali dolg&quot;,&quot;split&quot;:&quot;Razmerje med glavnico in obrestmi&quot;,&quot;err&quot;:&quot;Preverite vnos: znesek ve\\u010dji od 0, obrestna mera od 0 do 30 % in doba od 1 do 40 let.&quot;,&quot;note&quot;:&quot;Informativni izra\\u010dun. Dejanski obrok je odvisen od ponudbe banke, datuma \\u010drpanja in dodatnih stro\\u0161kov.&quot;,&quot;copy&quot;:&quot;Kopiraj rezultat&quot;,&quot;copied&quot;:&quot;Kopirano&quot;,&quot;csv&quot;:&quot;Prenesi na\\u010drt (CSV)&quot;},&quot;cc&quot;:&quot;SI&quot;}\" lang=\"sl-SI\">\r\n\t<form class=\"ekl-calc\" autocomplete=\"off\" novalidate onsubmit=\"return false\">\r\n\t\t<div class=\"ekl-in\">\r\n\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-si-amount\">Znesek kredita<\/label>\r\n\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-si-amount\" data-f=\"amount\" type=\"text\" inputmode=\"decimal\" value=\"20.000\"><span class=\"ekl-unit\">\u20ac<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-two\">\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-si-rate\">Obrestna mera <small>nominalna, letna<\/small><\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-si-rate\" data-f=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-si-term\">Doba odpla\u010devanja<\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-si-term\" data-f=\"term\" type=\"text\" inputmode=\"numeric\" value=\"5\">\r\n\t\t\t\t\t\t<select data-f=\"unit\" aria-label=\"Doba odpla\u010devanja\"><option value=\"y\" selected>Leta<\/option><option value=\"m\">Meseci<\/option><\/select>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-presets\" role=\"group\" aria-label=\"Doba odpla\u010devanja\">\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"3\">3 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset is-on\" data-years=\"5\">5 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"10\">10 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"15\">15 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"20\">20 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"25\">25 let<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"30\">30 let<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<fieldset class=\"ekl-field\">\r\n\t\t\t\t<legend class=\"ekl-label\">Na\u010din odpla\u010devanja<\/legend>\r\n\t\t\t\t<div class=\"ekl-seg\">\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-si-type\" id=\"ekl-si-ann\" value=\"ann\" checked>\r\n\t\t\t\t\t<label for=\"ekl-si-ann\">Enaki obroki<small>anuiteta<\/small><\/label>\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-si-type\" id=\"ekl-si-lin\" value=\"lin\">\r\n\t\t\t\t\t<label for=\"ekl-si-lin\">Enaki deli glavnice<small>obrok se zni\u017euje<\/small><\/label>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/fieldset>\r\n\t\t\t<div class=\"ekl-field ekl-field--fee\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-si-fee\">Stro\u0161ki odobritve <small>neobvezno, % zneska<\/small><\/label>\r\n\t\t\t\t<div class=\"ekl-input ekl-input--sm\"><input id=\"ekl-si-fee\" data-f=\"fee\" type=\"text\" inputmode=\"decimal\" value=\"0\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<p class=\"ekl-err\" role=\"alert\" hidden>Preverite vnos: znesek ve\u010dji od 0, obrestna mera od 0 do 30 % in doba od 1 do 40 let.<\/p>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-out\" aria-live=\"polite\">\r\n\t\t\t<div class=\"ekl-hero\">\r\n\t\t\t\t<span class=\"ekl-hero__k\" data-o=\"pay_label\">Mese\u010dni obrok<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__v\" data-o=\"pay\">386,66\u00a0\u20ac<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__sub\" data-o=\"pay_sub\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<dl class=\"ekl-sum\">\r\n\t\t\t\t<div><dt>Skupaj obresti<\/dt><dd data-o=\"interest\">3.199,35\u00a0\u20ac<\/dd><\/div>\r\n\t\t\t\t<div data-o=\"fee_row\" hidden><dt>Stro\u0161ki odobritve<\/dt><dd data-o=\"fee\">0,00\u00a0\u20ac<\/dd><\/div>\r\n\t\t\t\t<div><dt>Skupaj za odpla\u010dilo<\/dt><dd data-o=\"total\">23.199,35\u00a0\u20ac<\/dd><\/div>\r\n\t\t\t\t<div><dt>EOM (ocena)<\/dt><dd data-o=\"eff\">6,17\u00a0%<\/dd><\/div>\r\n\t\t\t<\/dl>\r\n\t\t\t<div class=\"ekl-bar\" role=\"img\" aria-label=\"Razmerje med glavnico in obrestmi\">\r\n\t\t\t\t<span class=\"ekl-bar__p\" data-o=\"bar_p\" style=\"width:86.21%\"><\/span><span class=\"ekl-bar__i\" data-o=\"bar_i\" style=\"width:13.79%\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-legend\"><span><i class=\"ekl-dot ekl-dot--p\"><\/i>Glavnica <b data-o=\"leg_p\">20.000,00\u00a0\u20ac<\/b><\/span><span><i class=\"ekl-dot ekl-dot--i\"><\/i>Obresti <b data-o=\"leg_i\">3.199,35\u00a0\u20ac<\/b><\/span><\/div>\r\n\t\t\t<p class=\"ekl-note\">Ocena EOM vklju\u010duje obresti in stro\u0161ke odobritve, brez zavarovanja in drugih stro\u0161kov.<\/p>\r\n\t\t\t<div class=\"ekl-actions\"><button type=\"button\" class=\"ekl-btn\" data-a=\"copy\">Kopiraj rezultat<\/button><button type=\"button\" class=\"ekl-btn\" data-a=\"csv\">Prenesi na\u010drt (CSV)<\/button><\/div>\r\n\t\t<\/div>\r\n\t<\/form>\r\n\t<div class=\"ekl-plan\">\r\n\t\t<div class=\"ekl-plan__head\">\r\n\t\t\t<h3 class=\"ekl-plan__title\">Amortizacijski na\u010drt<\/h3>\r\n\t\t\t<div class=\"ekl-tabs\" role=\"tablist\">\r\n\t\t\t\t<button type=\"button\" role=\"tab\" aria-selected=\"true\" data-view=\"y\">Po letih<\/button><button type=\"button\" role=\"tab\" aria-selected=\"false\" data-view=\"m\">Po mesecih<\/button>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-table-wrap\" tabindex=\"0\">\r\n\t\t\t<table class=\"ekl-table\">\r\n\t\t\t\t<thead><tr><th scope=\"col\" data-o=\"col_p\">Leto<\/th><th scope=\"col\">Pla\u010dano<\/th><th scope=\"col\">Glavnica<\/th><th scope=\"col\">Obresti<\/th><th scope=\"col\">Preostali dolg<\/th><\/tr><\/thead>\r\n\t\t\t\t<tbody data-o=\"tbody\">\r\n\t\t\t\t\t\t\t\t\t<tr><td>1<\/td><td>4.639,92\u00a0\u20ac<\/td><td>3.536,11\u00a0\u20ac<\/td><td>1.103,81\u00a0\u20ac<\/td><td>16.463,89\u00a0\u20ac<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>2<\/td><td>4.639,92\u00a0\u20ac<\/td><td>3.754,20\u00a0\u20ac<\/td><td>885,72\u00a0\u20ac<\/td><td>12.709,69\u00a0\u20ac<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>3<\/td><td>4.639,92\u00a0\u20ac<\/td><td>3.985,76\u00a0\u20ac<\/td><td>654,16\u00a0\u20ac<\/td><td>8.723,93\u00a0\u20ac<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>4<\/td><td>4.639,92\u00a0\u20ac<\/td><td>4.231,59\u00a0\u20ac<\/td><td>408,33\u00a0\u20ac<\/td><td>4.492,34\u00a0\u20ac<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>5<\/td><td>4.639,67\u00a0\u20ac<\/td><td>4.492,34\u00a0\u20ac<\/td><td>147,33\u00a0\u20ac<\/td><td>0,00\u00a0\u20ac<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t<\/tbody>\r\n\t\t\t<\/table>\r\n\t\t<\/div>\r\n\t\t<p class=\"ekl-note\">Informativni izra\u010dun. Dejanski obrok je odvisen od ponudbe banke, datuma \u010drpanja in dodatnih stro\u0161kov.<\/p>\r\n\t<\/div>\r\n<\/div>\r\n\t\n<h2>Kako se izra\u010duna obrok kredita<\/h2>\n<p>Pri anuitetnem odpla\u010devanju so vsi mese\u010dni obroki enaki. Obrok izra\u010dunamo po formuli:<\/p>\n<p><strong>O = K \u00d7 r \u00d7 (1 + r)<sup>n<\/sup> \/ ((1 + r)<sup>n<\/sup> \u2212 1)<\/strong><\/p>\n<ul>\n<li><strong>K<\/strong> je znesek kredita (glavnica),<\/li>\n<li><strong>r<\/strong> je mese\u010dna obrestna mera, torej letna nominalna obrestna mera, deljena z 12,<\/li>\n<li><strong>n<\/strong> je \u0161tevilo mese\u010dnih obrokov.<\/li>\n<\/ul>\n<p><strong>Primer:<\/strong> za kredit v vi\u0161ini 20.000 \u20ac z obrestno mero 6 % in dobo 5 let (60 obrokov) zna\u0161a mese\u010dni obrok 386,66 \u20ac. Skupaj boste pla\u010dali 3.199,35 \u20ac obresti oziroma 23.199,35 \u20ac skupaj z glavnico.<\/p>\n<p>Vsak obrok je sestavljen iz obresti in dela glavnice. Na za\u010detku je dele\u017e obresti najve\u010dji, ko se dolg zmanj\u0161uje, pa gre vse ve\u010dji del obroka za odpla\u010dilo glavnice. Natan\u010den razpored vidite v amortizacijskem na\u010drtu pod kalkulatorjem.<\/p>\n<h2>Anuitete ali enaki deli glavnice<\/h2>\n<p>Pri <strong>anuitetnem odpla\u010devanju<\/strong> je obrok ves \u010das enak, kar olaj\u0161a na\u010drtovanje dru\u017einskega prora\u010duna. Pri odpla\u010devanju z <strong>enakimi deli glavnice<\/strong> vsak mesec odpla\u010date enak del glavnice, zato je prvi obrok najvi\u0161ji, nato pa se postopoma zni\u017euje.<\/p>\n<p>Za isti primer (20.000 \u20ac, 6 %, 5 let) zna\u0161a prvi obrok pri enakih delih glavnice 433,33 \u20ac, zadnji pa 335,20 \u20ac. Skupne obresti zna\u0161ajo 3.050,00 \u20ac, kar je 149,35 \u20ac manj kot pri anuitetah, ker se dolg hitreje zmanj\u0161uje.<\/p>\n<h2>Nominalna obrestna mera in EOM<\/h2>\n<p>Nominalna obrestna mera je osnova za obra\u010dun obresti. <strong>Efektivna obrestna mera (EOM)<\/strong> prikazuje dejansko letno ceno kredita: upo\u0161teva mese\u010dni obra\u010dun obresti in stro\u0161ke, kot so stro\u0161ki odobritve. Zato je EOM vedno nekoliko vi\u0161ja od nominalne obrestne mere.<\/p>\n<p>Pri nominalni obrestni meri 6 % in mese\u010dnih obrokih zna\u0161a EOM pribli\u017eno 6,17 %. \u010ce banka zara\u010duna \u0161e stro\u0161ke odobritve v vi\u0161ini 1 % (200,00 \u20ac), se EOM zvi\u0161a na pribli\u017eno 6,61 %. Pri primerjavi ponudb zato vedno primerjajte EOM, ne le nominalne obrestne mere.<\/p>\n<h2>Mese\u010dni obrok za stanovanjski kredit v vi\u0161ini 100.000 \u20ac<\/h2>\n<p>Tabela prikazuje mese\u010dni obrok pri anuitetnem odpla\u010devanju kredita v vi\u0161ini 100.000 \u20ac pri razli\u010dnih obrestnih merah in dobah odpla\u010devanja.<\/p>\n<table>\n<thead>\n<tr>\n<th>Obrestna mera<\/th>\n<th>20 let<\/th>\n<th>25 let<\/th>\n<th>30 let<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3 %<\/td>\n<td>554,60 \u20ac<\/td>\n<td>474,21 \u20ac<\/td>\n<td>421,60 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>4 %<\/td>\n<td>605,98 \u20ac<\/td>\n<td>527,84 \u20ac<\/td>\n<td>477,42 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>5 %<\/td>\n<td>659,96 \u20ac<\/td>\n<td>584,59 \u20ac<\/td>\n<td>536,82 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>6 %<\/td>\n<td>716,43 \u20ac<\/td>\n<td>644,30 \u20ac<\/td>\n<td>599,55 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Dalj\u0161a doba zni\u017ea obrok, vendar ob\u010dutno pove\u010da skupne obresti. Za 100.000 \u20ac na 25 let pri 4 % zna\u0161a obrok 527,84 \u20ac, skupne obresti pa 58.350,44 \u20ac.<\/p>\n<h2>Fiksna ali spremenljiva obrestna mera<\/h2>\n<p>Fiksna obrestna mera se v dogovorjenem obdobju ne spreminja, zato je tudi obrok predvidljiv. Spremenljiva obrestna mera sledi referen\u010dni obrestni meri in se lahko med odpla\u010devanjem zvi\u0161a ali zni\u017ea. Pri spremenljivi obrestni meri je obrestna mera v Sloveniji obi\u010dajno vezana na EURIBOR, ki mu banka pri\u0161teje svoj pribitek.<\/p>\n<h2>Na kaj biti pozoren pred najemom kredita<\/h2>\n<ul>\n<li>Primerjajte EOM razli\u010dnih ponudb, ne le nominalne obrestne mere.<\/li>\n<li>Preverite vse stro\u0161ke: stro\u0161ke odobritve, zavarovanje, cenitev nepremi\u010dnine in notarske stro\u0161ke.<\/li>\n<li>Pozanimajte se o pogojih pred\u010dasnega odpla\u010dila in morebitnem nadomestilu zanj.<\/li>\n<li>V prora\u010dunu imejte rezervo za primer dviga spremenljive obrestne mere.<\/li>\n<\/ul>\n<p>Ve\u010d o pravicah kreditojemalcev preberite na spletni strani <a href=\"https:\/\/www.bsi.si\/\" target=\"_blank\" rel=\"noopener\">Banke Slovenije<\/a>.<\/p>\n<p><em>Kalkulator je namenjen informativnemu izra\u010dunu. Dejanski obrok, EOM in amortizacijski na\u010drt dolo\u010di banka v ponudbi in kreditni pogodbi.<\/em><\/p>\n<section class=\"eklik-faq\" id=\"cesta-pitanja\"><h2>Pogosta vpra\u0161anja<\/h2><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kako izra\u010dunati obrok kredita?<\/h3><div class=\"eklik-faq__a\"><p>Pri anuitetnem odpla\u010devanju se uporablja formula O = K \u00d7 r \u00d7 (1 + r)^n \/ ((1 + r)^n \u2212 1), kjer je K znesek kredita, r mese\u010dna obrestna mera (letna, deljena z 12) in n \u0161tevilo obrokov. Kalkulator na tej strani obrok izra\u010duna samodejno.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Koliko zna\u0161a obrok za kredit 20.000 \u20ac na 5 let?<\/h3><div class=\"eklik-faq__a\"><p>Pri obrestni meri 6 % in anuitetnem odpla\u010devanju zna\u0161a mese\u010dni obrok 386,66 \u20ac. Skupne obresti zna\u0161ajo 3.199,35 \u20ac, skupaj boste vrnili 23.199,35 \u20ac.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kaj je EOM?<\/h3><div class=\"eklik-faq__a\"><p>Efektivna obrestna mera (EOM) prikazuje dejansko letno ceno kredita, vklju\u010dno z mese\u010dnim obra\u010dunom obresti in stro\u0161ki, kot so stro\u0161ki odobritve. Pri nominalni obrestni meri 6 % in stro\u0161kih odobritve 1 % zna\u0161a EOM pribli\u017eno 6,61 %.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kaj je bolje, anuitete ali enaki deli glavnice?<\/h3><div class=\"eklik-faq__a\"><p>Anuitete so enake in jih je la\u017eje na\u010drtovati. Pri enakih delih glavnice so za\u010detni obroki vi\u0161ji, skupne obresti pa ni\u017eje. V primeru 20.000 \u20ac na 5 let pri 6 % zna\u0161a razlika v obrestih 149,35 \u20ac.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Koliko zna\u0161a obrok za stanovanjski kredit 100.000 \u20ac na 25 let?<\/h3><div class=\"eklik-faq__a\"><p>Pri obrestni meri 4 % zna\u0161a mese\u010dni obrok 527,84 \u20ac, skupne obresti pa 58.350,44 \u20ac. Pri 5 % zna\u0161a obrok 584,59 \u20ac.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Koliko prinese za odstotno to\u010dko ni\u017eja obrestna mera?<\/h3><div class=\"eklik-faq__a\"><p>Pri kreditu 100.000 \u20ac na 25 let obrestna mera 4 % namesto 5 % zni\u017ea obrok za 56,75 \u20ac na mesec, skupne obresti pa za 17.026,61 \u20ac.<\/p><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Kreditni kalkulator: izra\u010dun obroka kredita in amortizacijski na\u010drt Vnesite znesek kredita, obrestno mero in dobo odpla\u010devanja ter takoj dobite mese\u010dni obrok, skupne obresti in oceno efektivne obrestne mere (EOM). Kalkulator je primeren za gotovinske, stanovanjske in avtomobilske kredite, z anuitetnim odpla\u010devanjem ali enakimi deli glavnice. Kako se izra\u010duna obrok kredita Pri anuitetnem odpla\u010devanju so vsi&#8230;<\/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-2494","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kreditni kalkulator: izra\u010dun obroka, obresti in EOM<\/title>\n<meta name=\"description\" content=\"Kreditni kalkulator: izra\u010dunajte mese\u010dni obrok, skupne obresti in EOM ter si oglejte amortizacijski na\u010drt po letih ali mesecih.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eklik.co\/sl\/kreditni-kalkulator\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" 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