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Enhancing Economic Development and Employment through Consumer Credit in Montenegro

The "Accession to Internal Market" (AIM) project, co-funded by the European Union, aims to bolster economic development and promote employment in Montenegro. This initiative includes comprehensive guidelines for consumer credit, addressing definitions, regulations, and rights of consumers. It encompasses the establishment of catalogs and standard information forms for advertising consumer credits, interest rate changes, and prepayment conditions. By improving legislative frameworks and institutional capacities, the AIM project seeks to ensure effective implementation and oversight of credit practices.

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Enhancing Economic Development and Employment through Consumer Credit in Montenegro

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  1. Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Economic Development and Employment Promotion in Montenegro/Podrška ekonomskom razvoju i zapošljavanju u Crnoj Gori PRISTUPANJE UNUTRAŠNJEM TRŽIŠTU (“ACCESION TO INTERNAL MARKET “- AIM) Potrošački kredit Page 1 * Seite 1

  2. Potrošački kredit Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Direktiva 2008/48/EZ Definicija potrošačkoga kredita Izuzeci od primjene Direktive: - po iznosu kredita (€200-€75000) - po sadržaju posla Mogućnost djelimičnoga izuzimanja za KUP-ove i odlaganja plaćanja Page 2 * Seite 2

  3. Potrošački kredit Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Katalozi i obrazac standardnih informacija: - Katalog standardnih informacija prilikom reklamiranja potrošačkoga kreditiranja - Katalog standardnih informacija i standardizirani obrazac predugovornih informacija - Katalog obaveznih dijelova i oblika ugovora o potrošačkom kreditu Page 2 * Seite 2

  4. Potrošački kredit Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Promjena kamatne stope - obveza prethodne obavijesti ili periodičko informiranje u slučaju vezanosti za referentnu vrijednost Odustanak - u roku 14 dana, katalog prava i obveza (pitanje isporuke robe ili usluga) Prijevremena otplata kredita - objektivna i primjerena naknada Page 2 * Seite 2

  5. Potrošački kredit Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Obveza nadzora ili regulacije svih kreditora Pravila za posrednike Mjere za osiguranje provedbe Direktive Uređenje prekršajnih odredaba Izvansudsko rješavanje sporova Page 2 * Seite 2

  6. Potrošački kredit Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Uređenje domaćega sustava: Zakonodavni okvir Institucije Ljudski potencijal Implementacija Page 2 * Seite 2

  7. Accession to Internal Market (Components I and II) – AIM Project Co-funded by the European Union Hvala na pažnji! Kontakt: Accession to Internal Market (AIM) Projektna kancelarija Omladinskih brigada 1 81000 Podgorica , Crna Gora Tel:       + 382 (0) 78 103 675 Fax:      + 382 (0) 78 103 625 http://www.aim.org.me Page 3 * Seite 3

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