{"id":12301,"date":"2017-09-25T17:44:58","date_gmt":"2017-09-25T15:44:58","guid":{"rendered":"https:\/\/www.geciclaw.com\/?p=12301\/"},"modified":"2017-09-25T18:06:07","modified_gmt":"2017-09-25T16:06:07","slug":"nova-nada-za-korisnike-chf-kredita","status":"publish","type":"post","link":"https:\/\/www.geciclaw.com\/sr\/nova-nada-za-korisnike-chf-kredita\/","title":{"rendered":"Nova nada za korisnike CHF kredita?"},"content":{"rendered":"<h4><a href=\"https:\/\/europa.eu\/european-union\/about-eu\/institutions-bodies\/court-justice_en\">Evropski sud pravde<\/a> (\u201e<strong>ESP<\/strong>\u201c) doneo je 20.09.2017. godine do sada najzna\u010dajniju presudu povodom kredita u valuti \u0161vajcarskog franka (\u201e<strong>CHF<\/strong>\u201c). Naime, presudom u predmetu C-186\/16 (<em>Ruxanda Paula Andriciuc i Ostali protiv Banca Rom\u00e2neasc\u0103 SA<\/em>) <strong>ESP je zauzeo stav da je finansijska institucija koja odobrava kredit u stranoj valuti u obavezi da korisniku pru\u017ei dovoljno informacija, kako bi mu omogu\u0107ila temeljnu ocenu ekonomskih rizika i posledica stupanja u takav ugovor, te dono\u0161enje razumne odluke o tom pitanju. <\/strong><\/h4>\n<p>Problematika ugovornih klauzula kojima je korisnicima kredita \u0161irom Evrope utvr\u0111ena obaveza otplate duga u CHF, nakon \u010dega se iznos njihove obaveze drasti\u010dno uve\u0107ao usled promene kursa CHF, odavno se, pored nacionalnih sudova, nalazi i pred <a href=\"https:\/\/europa.eu\/european-union\/about-eu\/institutions-bodies\/court-justice_en\">ESP<\/a>. Tako, presuda u predmetu C-186\/16 nije prva koju je ovaj sud doneo povodom pitanja uskla\u0111enosti predmetnih klauzula sa zahtevima iz Direktive 93\/13\/EEZ, koja se ti\u010de nepo\u0161tenih ugovornih odredaba u potro\u0161a\u010dkim ugovorima (\u201e<strong>Direktiva<\/strong>\u201c). Primera radi, u presudi u predmetu C-26\/13 (<em>\u00c1rp\u00e1d K\u00e1sler i Hajnalka K\u00e1slern\u00e9 R\u00e1bai protiv OTP Jelz\u00e1logbank Zrt<\/em>) ESP navodi da <strong>zahtev iz Direktive, prema kojem ugovorna odredba mora biti jasna i razumljiva, podrazumeva ne samo obavezu da ista bude razumljiva gramati\u010dki, ve\u0107 i obavezu da se njome potro\u0161a\u010du pru\u017ee precizni kriterijumi za procenu njenih ekonomskih posledica.<\/strong><\/p>\n<p>Presuda C-186\/16 (<em>Ruxanda Paula Andriciuc i Ostali protiv Banca Rom\u00e2neasc\u0103 SA<\/em>) doneta je po zahtevu Apelacionog suda u Oradea-i (Rumunija) za dono\u0161enje prethodne odluke, pri \u010demu je <strong>rumunski sud postavio ESP nekoliko pitanja u pogledu obima obaveze banaka da informi\u0161u klijente o kursnom riziku kod kredita u stranoj valuti<\/strong>, a posmatrano iz ugla Direktive. Okosnicu problema \u010dine slede\u0107e dileme: <strong>(i)<\/strong> da li prilikom ocene postojanja bitne nesrazmere u pravima i obavezama ugovornih strana, pored okolnosti koje su postojale u vreme zaklju\u010denja ugovora, treba uzeti u obzir i okolnost da je obaveza potro\u0161a\u010da nakon zaklju\u010denja ugovora zna\u010dajno narasla (usled velikih promena u kursu), te <strong>(ii)<\/strong> da li zahtev da ugovorna odredba, a naro\u010dito ona prema kojoj dug po kreditu u stranoj valuti mora biti vra\u0107en u istoj valuti, mora biti jasna, podrazumeva i da ista mora da predo\u010di i svoje mogu\u0107e posledice, usled kojih iznos obaveze potro\u0161a\u010da mo\u017ee varirati (npr. usled rizika kursa).<\/p>\n<p>Predmetnom presudom se vrlo iscrpno obrazla\u017ee <strong>stav ESP da je obaveza vra\u0107anja duga po kreditu u odre\u0111enoj valuti bitan elemenat ugovora o kreditu<\/strong>, te da stoga <strong>odredba kojom se ista stipuli\u0161e mora biti jasna i razumljiva<\/strong>, a u smislu da <strong>omogu\u0107i korisniku da prilikom zaklju\u010denja ugovora oceni ukupan tro\u0161ak svog kredita. <\/strong>Drugim re\u010dima, sporne klauzule moraju biti takve da prose\u010dnom potro\u0161a\u010du stave do znanja da postoji rizik kako od rasta, tako i od pada kursa strane valute, ali i uticaj toga na iznos njegove obaveze.<\/p>\n<p>Tako\u0111e, ESP je zauzeo stanovi\u0161te da se, pri utvr\u0111ivanju postojanja neravnopravnog polo\u017eaja ugovornih strana, u obzir ima uzeti i okolnost <strong>da li je banka, pri zaklju\u010denju ugovora, posedovala odre\u0111ena saznanja o \u010dinjenicama koje mogu uticati na izvr\u0161avanje obaveza<\/strong>.<\/p>\n<p>Na ovaj na\u010din, a imaju\u0107i u vidu da <strong>presuda doneta po zahtevu rumunskog suda obavezuje i nacionalne sudove ostalih zemalja \u010dlanica EU pred kojima bi se postavilo sli\u010dno pitanje<\/strong>, ESP je stvorio veoma \u0161irok prostor za ispitivanje klauzula kojima je ugovorena otplata kredita u CHF. Naime, zahvaljuju\u0107i predmetnoj presudi, ukoliko se utvrdi da banka prilikom zaklju\u010divanja takvog ugovora nije informisala klijenta o mogu\u0107im rizicima, ve\u0107 je isticala isklju\u010divo prednosti, <strong>predmetna odredba mo\u017ee biti ogla\u0161ena nepo\u0161tenom, a samim time i ni\u0161tavom, odnosno bez pravnog dejstva<\/strong>.<\/p>\n<p>Budu\u0107i da Srbija jo\u0161 uvek nije \u010dlanica EU, odluke ESP trenutno ne obavezuju doma\u0107e sudove. Stoga, korisnicima CHF kredita u Srbiji (ali i kredita u drugim valutama) za sada ostaje samo nada da \u0107e se i na\u0161i sudovi prikloniti predmetnom tuma\u010denju u pogledu nepotpunog informisanja potencijalnih korisnika. Naime, <strong>i srpski Zakon o za\u0161titi potro\u0161a\u010da poznaje pojmove nepo\u0161tene i obmanjuju\u0107e poslovne prakse, a koja za sobom povla\u010di odgovaraju\u0107e negativne posledice po \u201etrgovca\u201c<\/strong>.<\/p>\n<p>Autori: <a href=\"https:\/\/www.geciclaw.com\/sr\/nikola-aksic\/\">Nikola Aksi\u0107<\/a> i <a href=\"https:\/\/www.geciclaw.com\/sr\/lara-maksimovic\/\">Lara Maksimovi\u0107<\/a>, Gecic Law<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Evropski sud pravde (\u201eESP\u201c) doneo je 20.09.2017. godine do sada najzna\u010dajniju presudu povodom kredita u valuti \u0161vajcarskog franka (\u201eCHF\u201c). Naime, presudom u predmetu C-186\/16 (Ruxanda Paula Andriciuc i Ostali protiv Banca Rom\u00e2neasc\u0103 SA) ESP je zauzeo stav da je finansijska institucija koja odobrava kredit u stranoj valuti u obavezi da korisniku pru\u017ei dovoljno informacija, kako bi mu omogu\u0107ila temeljnu ocenu ekonomskih rizika i posledica stupanja u takav ugovor, te dono\u0161enje razumne odluke o tom pitanju. Problematika ugovornih klauzula kojima je korisnicima kredita \u0161irom Evrope utvr\u0111ena obaveza otplate duga u CHF, nakon \u010dega se iznos njihove obaveze drasti\u010dno uve\u0107ao usled promene [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12295,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[607,601],"tags":[469,621,963],"class_list":["post-12301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-evropska-komisija","category-601","tag-gecic-law-firm-serbia-sr","tag-european-commission-sr","tag-evropski-sud-pravde"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nova nada za korisnike CHF kredita?<\/title>\n<meta name=\"description\" content=\"Evropski sud pravde doneo je 20.09.2017. godine do sada 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