Metrics

  • citations in SCIndeks: 0
  • citations in CrossRef:0
  • citations in Google Scholar:[]
  • visits in previous 30 days:18
  • full-text downloads in 30 days:17

Contents

article: 1 from 1  
2020, vol. 58, iss. 3, pp. 270-288
(Im)permissibility of contracting the fee for loan processing costs in Bosnia and Herzegovina law
University of East Sarajevo, Faculty of Law, Pale, Republic of Srpska, B&H + University of Banja Luka, Faculty of Law, Republic of Srpska, B&H

emailrankaracic@t-com.me
Keywords: Loan Agreement; Loan Processing Costs; Unfair Provisions
Abstract
The paper analyses the legal aspects of the issue related to the (im)permissibility of contracting fees for loan processing costs. This issue has recently become acute in the law of Bosnia and Herzegovina. The first court decision, which determined that the provision on the costs of loan processing is null and void, was passed in the Brcko District of Bosnia and Herzegovina. After this decision went into effect, dozens of lawsuits have been filed before the courts in Bosnia and Herzegovina requesting the court to determine that the provision on reimbursement of loan processing costs is null and void. Therefore, the focus of the research is on reviewing the legal framework for contracting fees for loan processing costs, as well as on reviewing the court decisions with different legal opinions taken on this issue and the consequences of passed court decisions for the parties. The analysis shows that the contracting of a fee for the costs of loan processing is allowed if these are actual costs whose content is clearly determined.
References
*** (2018) Pravni stav Vrhovnog kasacionog suda Republike Srbije usvojen na sjednici Građanskog odjeljenja 22. 5. 2018. godine. dostupno na adresi: https://www.paragraf.rs/dnevne-vesti/140618/140618-vest1.html, 3. 4. 2020
*** (1978-2004) Zakon o obligacionim odnosima Republike Srpske - ZOO. Službeni list SFRJ + Službeni glasnik R. Srpske, br. 29/1978, 31/1985, 45/1989 - odluka USJ i 57/1989, br. 17/1993, 37/2001 - dr. zakon, 39/2003 i 74/2004
*** (2017) Zakon o stambenom potrošačkom kreditiranju - ZSPK. Narodne novine, br. 101, čl. 17 st. 4. U ovaj zakon su implementirane odredbe Direktive 2014/17 EU Evropskog parlamenta i Vijeća od 4. februara 2014. godine o ugovorima o potrošačkim kreditima koji se odnose na stamb
*** (2014) Zakon o zaštiti korisnika finansijskih usluga. Službene novine F. BiH, br. 31
*** (2006/2015) Zakon o zaštiti potrošača u Bosni i Hercegovini - ZoZP BiH. Službeni glasnik BiH, br. 25 i 88
*** (2017-2019) Zakon o bankama Republike Srpske - ZoB. Službeni glasnik R. Srpske, br. 4/17, 19/18 i 54/19
*** (2009-2016) Zakon o potrošačkom kreditiranju. Narodne novine, br. 75/09, 112/12, 143/12, 147/13, 9/15, 78/15, 102/15 i 52/16
Gajović, J. (2018) Obrada kredita, provizija za obradu kredita, provizija banke. Iustitia, br. 3, 8-11
Hiber, D., Živković, M. (2015) Zaštita korisnika kredita od jednostrane izmene visine ugovorene kamate. Zbornik radova Pravnog fakulteta u Nišu, 70, 573-586
Ignjatić, I., Ilić, D. (2018) Pitanje naplate troškova obrade kredita. Iustitia, br. 3, 20-24
Kašćelan, B. (2018) Sporna pitanja u vezi sa ugovornom odredbom o naknadi za obradu kredita. Harmonius
Paragraf (2018) (Ne)zakonitost naknade za obradu kredita - donijete tri presude kojima se nalaže povraćaj sredstava klijentima banaka. dostupno na adresi: https://www.paragraf.me/dnevne-vijesti/28062018/28062018-vijest3.html, 3. 4. 2020
Radišić, J. (2014) Obligaciono pravo - opšti deo. Niš, deveto izdanje
Stanković, G., Račić, R. (2017) Parnično procesno pravo. Banja Luka, treće izdanje, 414
Todorović, M. (2018) Troškovi obrade kredita - prikaz problema. Iustitia, br. 3, 17-20
Živković, M. (2018) O dozvoljenosti ugovaranja troškova obrade kredita u pravu Srbije. Bankarstvo, vol. 47, br. 2, str. 14-51
 

About

article language: Serbian
document type: Professional Paper
DOI: 10.5937/PiP2003270R
received: 02/05/2020
revised: 28/05/2020
accepted: 07/07/2020
published in SCIndeks: 09/10/2020

Related records

Zb Pravnog fak Novi Sad (2020)
On the legal institute of partial nullity through the prism of the freedom of contract
Midorović Sloboda D.

Anali Pravnog fak Beograd (2012)
Directors' responsibility to creditors in Company law
Jevremović-Petrović Tatjana

Anali Pravnog fak Beograd (2013)
Personal subrogation or novatio and statute of limitations
Hiber Dragor

show all [13]