Referentna kamatna stopa

Referentne vrednosti za period: 15.08.2021. - 16.06.2022.

Datum	6M EURIBOR	12M EURIBOR	6M BELIBOR	Referentna kamatna stopa NBS	Stopa rasta potrošačkih cena
2022-06-16	0,249	0,957	2,390	2,500	7,900
2022-06-15	0,175	0,792	2,390	2,500	7,900
2022-06-14	0,175	0,680	2,380	2,500	7,900
2022-06-13	0,108	0,614	2,360	2,500	7,900
2022-06-12	0,083	0,614	2,320	2,500	7,900
2022-06-11	0,063	0,614	2,320	2,500	7,900
2022-06-10	0,063	0,569	2,320	2,500	7,900
2022-06-09	0,063	0,561	2,110	2,500	7,900
2022-06-08	0,029	0,521	2,100	2,000	7,900
2022-06-07	0,029	0,486	2,090	2,000	7,900
2022-06-06	-0,008	0,450	2,070	2,000	7,900
2022-06-05	-0,008	0,450	2,070	2,000	7,900
2022-06-04	-0,017	0,450	2,070	2,000	7,900
2022-06-03	-0,017	0,417	2,070	2,000	7,900
2022-06-02	-0,045	0,390	2,070	2,000	7,900
2022-06-01	-0,068	0,361	2,060	2,000	7,900
2022-05-31	-0,076	0,358	2,060	2,000	7,900
2022-05-30	-0,061	0,360	2,060	2,000	7,900
2022-05-29	-0,061	0,360	2,060	2,000	7,900
2022-05-28	-0,061	0,360	2,060	2,000	7,900
2022-05-27	-0,062	0,359	2,050	2,000	7,900
2022-05-26	-0,073	0,364	2,050	2,000	7,900
2022-05-25	-0,085	0,348	2,050	2,000	7,900
2022-05-24	-0,078	0,353	2,050	2,000	7,900
2022-05-23	-0,096	0,344	2,050	2,000	7,900
2022-05-22	-0,096	0,344	2,050	2,000	7,900
2022-05-21	-0,096	0,344	2,050	2,000	7,900
2022-05-20	-0,126	0,313	2,050	2,000	7,900
2022-05-19	-0,166	0,240	2,050	2,000	7,900
2022-05-18	-0,192	0,206	2,050	2,000	7,900
2022-05-17	-0,209	0,182	2,050	2,000	7,900
2022-05-16	-0,211	0,230	2,020	2,000	7,900
2022-05-15	-0,211	0,230	2,020	2,000	7,900
2022-05-14	-0,211	0,230	2,020	2,000	7,900
2022-05-13	-0,208	0,236	1,740	2,000	7,900
2022-05-12	-0,202	0,263	1,740	1,500	7,900
2022-05-11	-0,183	0,246	1,740	1,500	7,900
2022-05-10	-0,206	0,253	1,740	1,500	7,900
2022-05-09	-0,206	0,253	1,740	1,500	7,900
2022-05-08	-0,206	0,253	1,740	1,500	7,900
2022-05-07	-0,206	0,253	1,740	1,500	7,900
2022-05-06	-0,205	0,225	1,740	1,500	7,900
2022-05-05	-0,198	0,213	1,740	1,500	7,900
2022-05-04	-0,226	0,166	1,740	1,500	7,900
2022-05-03	-0,242	0,166	1,740	1,500	7,900
2022-05-02	-0,242	0,118	1,740	1,500	7,900
2022-05-01	-0,242	0,118	1,740	1,500	7,900
2022-04-30	-0,242	0,118	1,740	1,500	7,900
2022-04-29	-0,251	0,111	1,740	1,500	7,900
2022-04-28	-0,251	0,111	1,740	1,500	7,900
2022-04-27	-0,239	0,084	1,740	1,500	7,900
2022-04-26	-0,332	-0,014	1,740	1,500	7,900
2022-04-25	-0,332	-0,014	1,740	1,500	7,900
2022-04-24	-0,332	-0,014	1,740	1,500	7,900
2022-04-23	-0,332	-0,014	1,740	1,500	7,900
2022-04-22	-0,332	-0,014	1,740	1,500	7,900
2022-04-21	-0,333	0,003	1,740	1,500	7,900
2022-04-20	-0,317	0,003	1,730	1,500	7,900
2022-04-19	-0,317	-0,014	1,720	1,500	7,900
2022-04-18	-0,317	-0,014	1,720	1,500	7,900
2022-04-17	-0,317	-0,014	1,720	1,500	7,900
2022-04-16	-0,317	-0,014	1,720	1,500	7,900
2022-04-15	-0,328	0,005	1,710	1,500	7,900
2022-04-14	-0,320	-0,030	1,700	1,500	7,900
2022-04-13	-0,334	-0,048	1,680	1,500	7,900
2022-04-12	-0,350	-0,058	1,670	1,500	7,900
2022-04-11	-0,355	-0,058	1,600	1,500	7,900
2022-04-10	-0,355	-0,058	1,600	1,500	7,900
2022-04-09	-0,355	-0,058	1,600	1,500	7,900
2022-04-08	-0,361	-0,093	1,410	1,500	7,900
2022-04-07	-0,361	-0,093	1,410	1,500	7,900
2022-04-06	-0,361	-0,083	1,400	1,000	7,900
2022-04-05	-0,375	-0,086	1,390	1,000	7,900
2022-04-04	-0,358	-0,073	1,390	1,000	7,900
2022-04-03	-0,362	-0,073	1,390	1,000	7,900
2022-04-02	-0,362	-0,073	1,390	1,000	7,900
2022-04-01	-0,362	-0,103	1,390	1,000	7,900
2022-03-31	-0,367	-0,105	1,390	1,000	7,900
2022-03-30	-0,388	-0,142	1,380	1,000	7,900
2022-03-29	-0,392	-0,160	1,370	1,000	7,900
2022-03-28	-0,397	-0,160	1,360	1,000	7,900
2022-03-27	-0,397	-0,160	1,360	1,000	7,900
2022-03-26	-0,397	-0,160	1,360	1,000	7,900
2022-03-25	-0,392	-0,186	1,350	1,000	7,900
2022-03-24	-0,393	-0,203	1,350	1,000	7,900
2022-03-23	-0,391	-0,207	1,350	1,000	7,900
2022-03-22	-0,393	-0,216	1,350	1,000	7,900
2022-03-21	-0,402	-0,216	1,350	1,000	7,900
2022-03-20	-0,402	-0,216	1,350	1,000	7,900
2022-03-19	-0,402	-0,216	1,350	1,000	7,900
2022-03-18	-0,393	-0,237	1,350	1,000	7,900
2022-03-17	-0,407	-0,258	1,340	1,000	7,900
2022-03-16	-0,413	-0,268	1,340	1,000	7,900
2022-03-15	-0,414	-0,293	1,330	1,000	7,900
2022-03-14	-0,427	-0,293	1,330	1,000	7,900
2022-03-13	-0,427	-0,293	1,330	1,000	7,900
2022-03-12	-0,427	-0,293	1,330	1,000	7,900
2022-03-11	-0,424	-0,328	1,320	1,000	7,900
2022-03-10	-0,443	-0,352	1,320	1,000	7,900
2022-03-09	-0,453	-0,359	1,310	1,000	7,900
2022-03-08	-0,482	-0,377	1,310	1,000	7,900
2022-03-07	-0,485	-0,377	1,310	1,000	7,900
2022-03-06	-0,485	-0,377	1,310	1,000	7,900
2022-03-05	-0,485	-0,377	1,310	1,000	7,900
2022-03-04	-0,502	-0,363	1,300	1,000	7,900
2022-03-03	-0,496	-0,349	1,290	1,000	7,900
2022-03-02	-0,493	-0,348	1,290	1,000	7,900
2022-03-01	-0,488	-0,323	1,280	1,000	7,900
2022-02-28	-0,480	-0,323	1,270	1,000	3,300
2022-02-27	-0,480	-0,323	1,270	1,000	3,300
2022-02-26	-0,480	-0,323	1,270	1,000	3,300
2022-02-25	-0,483	-0,337	1,270	1,000	3,300
2022-02-24	-0,490	-0,332	1,260	1,000	3,300
2022-02-23	-0,482	-0,329	1,250	1,000	3,300
2022-02-22	-0,487	-0,313	1,240	1,000	3,300
2022-02-21	-0,478	-0,313	1,240	1,000	3,300
2022-02-20	-0,478	-0,313	1,240	1,000	3,300
2022-02-19	-0,478	-0,313	1,240	1,000	3,300
2022-02-18	-0,461	-0,285	1,240	1,000	3,300
2022-02-17	-0,458	-0,298	1,230	1,000	3,300
2022-02-16	-0,458	-0,298	1,230	1,000	3,300
2022-02-15	-0,458	-0,298	1,230	1,000	3,300
2022-02-14	-0,467	-0,325	1,230	1,000	3,300
2022-02-13	-0,467	-0,325	1,230	1,000	3,300
2022-02-12	-0,467	-0,325	1,230	1,000	3,300
2022-02-11	-0,457	-0,313	1,230	1,000	3,300
2022-02-10	-0,463	-0,310	1,230	1,000	3,300
2022-02-09	-0,456	-0,346	1,230	1,000	3,300
2022-02-08	-0,473	-0,423	1,240	1,000	3,300
2022-02-07	-0,499	-0,423	1,240	1,000	3,300
2022-02-06	-0,499	-0,423	1,240	1,000	3,300
2022-02-05	-0,499	-0,423	1,240	1,000	3,300
2022-02-04	-0,502	-0,431	1,240	1,000	3,300
2022-02-03	-0,503	-0,453	1,230	1,000	3,300
2022-02-02	-0,514	-0,459	1,230	1,000	3,300
2022-02-01	-0,519	-0,466	1,220	1,000	3,300
2022-01-31	-0,518	-0,466	1,210	1,000	3,300
2022-01-30	-0,518	-0,466	1,210	1,000	3,300
2022-01-29	-0,518	-0,466	1,210	1,000	3,300
2022-01-28	-0,524	-0,467	1,200	1,000	3,300
2022-01-27	-0,523	-0,463	1,200	1,000	3,300
2022-01-26	-0,522	-0,462	1,190	1,000	3,300
2022-01-25	-0,522	-0,460	1,190	1,000	3,300
2022-01-24	-0,521	-0,460	1,190	1,000	3,300
2022-01-23	-0,521	-0,460	1,190	1,000	3,300
2022-01-22	-0,521	-0,460	1,190	1,000	3,300
2022-01-21	-0,524	-0,468	1,180	1,000	3,300
2022-01-20	-0,524	-0,470	1,170	1,000	3,300
2022-01-19	-0,523	-0,483	1,160	1,000	3,300
2022-01-18	-0,533	-0,483	1,150	1,000	3,300
2022-01-17	-0,534	-0,483	1,150	1,000	3,300
2022-01-16	-0,534	-0,483	1,150	1,000	3,300
2022-01-15	-0,534	-0,483	1,150	1,000	3,300
2022-01-14	-0,529	-0,490	1,150	1,000	3,300
2022-01-13	-0,528	-0,489	1,140	1,000	3,300
2022-01-12	-0,531	-0,493	1,140	1,000	3,300
2022-01-11	-0,536	-0,496	1,130	1,000	3,300
2022-01-10	-0,541	-0,500	1,130	1,000	3,300
2022-01-09	-0,541	-0,500	1,130	1,000	3,300
2022-01-08	-0,541	-0,500	1,130	1,000	3,300
2022-01-07	-0,541	-0,500	1,130	1,000	3,300
2022-01-06	-0,535	-0,499	1,130	1,000	3,300
2022-01-05	-0,539	-0,501	1,130	1,000	3,300
2022-01-04	-0,546	-0,498	1,130	1,000	3,300
2022-01-03	-0,546	-0,498	1,130	1,000	3,300
2022-01-02	-0,546	-0,498	1,130	1,000	3,300
2022-01-01	-0,546	-0,498	1,130	1,000	3,300
2021-12-31	-0,544	-0,495	1,130	1,000	3,300
2021-12-30	-0,548	-0,495	1,130	1,000	3,300
2021-12-29	-0,544	-0,494	1,130	1,000	3,300
2021-12-28	-0,544	-0,499	1,120	1,000	3,300
2021-12-27	-0,537	-0,499	1,130	1,000	3,300
2021-12-26	-0,537	-0,499	1,130	1,000	3,300
2021-12-25	-0,537	-0,499	1,130	1,000	3,300
2021-12-24	-0,545	-0,515	1,120	1,000	3,300
2021-12-23	-0,551	-0,518	1,120	1,000	3,300
2021-12-22	-0,554	-0,511	1,120	1,000	3,300
2021-12-21	-0,551	-0,508	1,130	1,000	3,300
2021-12-20	-0,548	-0,508	1,120	1,000	3,300
2021-12-19	-0,548	-0,508	1,120	1,000	3,300
2021-12-18	-0,548	-0,508	1,120	1,000	3,300
2021-12-17	-0,547	-0,508	1,130	1,000	3,300
2021-12-16	-0,545	-0,504	1,120	1,000	3,300
2021-12-15	-0,547	-0,498	1,120	1,000	3,300
2021-12-14	-0,543	-0,497	1,110	1,000	3,300
2021-12-13	-0,546	-0,497	1,110	1,000	3,300
2021-12-12	-0,546	-0,497	1,110	1,000	3,300
2021-12-11	-0,546	-0,497	1,110	1,000	3,300
2021-12-10	-0,540	-0,499	1,110	1,000	3,300
2021-12-09	-0,538	-0,499	1,120	1,000	3,300
2021-12-08	-0,543	-0,500	1,120	1,000	3,300
2021-12-07	-0,537	-0,498	1,110	1,000	3,300
2021-12-06	-0,541	-0,498	1,120	1,000	3,300
2021-12-05	-0,541	-0,498	1,120	1,000	3,300
2021-12-04	-0,541	-0,498	1,120	1,000	3,300
2021-12-03	-0,541	-0,505	1,110	1,000	3,300
2021-12-02	-0,538	-0,504	1,110	1,000	3,300
2021-12-01	-0,536	-0,494	1,110	1,000	3,300
2021-11-30	-0,537	-0,498	1,120	1,000	3,300
2021-11-29	-0,542	-0,498	1,110	1,000	3,300
2021-11-28	-0,542	-0,498	1,110	1,000	3,300
2021-11-27	-0,542	-0,498	1,110	1,000	3,300
2021-11-26	-0,540	-0,491	1,110	1,000	3,300
2021-11-25	-0,533	-0,495	1,110	1,000	3,300
2021-11-24	-0,528	-0,490	1,110	1,000	3,300
2021-11-23	-0,528	-0,488	1,110	1,000	3,300
2021-11-22	-0,533	-0,488	1,110	1,000	3,300
2021-11-21	-0,533	-0,488	1,110	1,000	3,300
2021-11-20	-0,533	-0,488	1,110	1,000	3,300
2021-11-19	-0,538	-0,484	1,110	1,000	3,300
2021-11-18	-0,530	-0,480	1,110	1,000	3,300
2021-11-17	-0,528	-0,473	1,110	1,000	3,300
2021-11-16	-0,533	-0,478	1,110	1,000	3,300
2021-11-15	-0,527	-0,478	1,110	1,000	3,300
2021-11-14	-0,527	-0,478	1,110	1,000	3,300
2021-11-13	-0,527	-0,478	1,110	1,000	3,300
2021-11-12	-0,533	-0,501	1,110	1,000	3,300
2021-11-11	-0,533	-0,501	1,110	1,000	3,300
2021-11-10	-0,537	-0,495	1,110	1,000	3,300
2021-11-09	-0,536	-0,478	1,110	1,000	3,300
2021-11-08	-0,538	-0,478	1,110	1,000	3,300
2021-11-07	-0,538	-0,478	1,110	1,000	3,300
2021-11-06	-0,538	-0,478	1,110	1,000	3,300
2021-11-05	-0,538	-0,461	1,110	1,000	3,300
2021-11-04	-0,534	-0,443	1,110	1,000	3,300
2021-11-03	-0,529	-0,455	1,110	1,000	3,300
2021-11-02	-0,527	-0,473	1,110	1,000	3,300
2021-11-01	-0,533	-0,473	1,110	1,000	3,300
2021-10-31	-0,533	-0,473	1,110	1,000	3,300
2021-10-30	-0,533	-0,473	1,110	1,000	3,300
2021-10-29	-0,536	-0,474	1,110	1,000	3,300
2021-10-28	-0,533	-0,471	1,110	1,000	3,300
2021-10-27	-0,528	-0,471	1,110	1,000	3,300
2021-10-26	-0,534	-0,477	1,100	1,000	3,300
2021-10-25	-0,532	-0,477	1,100	1,000	3,300
2021-10-24	-0,532	-0,477	1,100	1,000	3,300
2021-10-23	-0,532	-0,477	1,100	1,000	3,300
2021-10-22	-0,527	-0,467	1,100	1,000	3,300
2021-10-21	-0,524	-0,480	1,100	1,000	3,300
2021-10-20	-0,527	-0,483	1,110	1,000	3,300
2021-10-19	-0,528	-0,473	1,110	1,000	3,300
2021-10-18	-0,523	-0,473	1,100	1,000	3,300
2021-10-17	-0,523	-0,473	1,100	1,000	3,300
2021-10-16	-0,523	-0,473	1,100	1,000	3,300
2021-10-15	-0,524	-0,476	1,100	1,000	3,300
2021-10-14	-0,523	-0,480	1,100	1,000	3,300
2021-10-13	-0,521	-0,482	1,100	1,000	3,300
2021-10-12	-0,518	-0,482	1,100	1,000	3,300
2021-10-11	-0,526	-0,482	1,090	1,000	3,300
2021-10-10	-0,526	-0,482	1,090	1,000	3,300
2021-10-09	-0,526	-0,482	1,090	1,000	3,300
2021-10-08	-0,530	-0,491	1,080	1,000	1,300
2021-10-07	-0,525	-0,488	1,070	1,000	1,300
2021-10-06	-0,527	-0,488	1,070	1,000	1,300
2021-10-05	-0,526	-0,488	1,070	1,000	1,300
2021-10-04	-0,528	-0,488	1,070	1,000	1,300
2021-10-03	-0,528	-0,488	1,070	1,000	1,300
2021-10-02	-0,528	-0,488	1,070	1,000	1,300
2021-10-01	-0,523	-0,489	1,070	1,000	1,300
2021-09-30	-0,523	-0,486	1,070	1,000	1,300
2021-09-29	-0,517	-0,488	1,070	1,000	1,300
2021-09-28	-0,523	-0,495	1,070	1,000	1,300
2021-09-27	-0,528	-0,495	1,070	1,000	1,300
2021-09-26	-0,528	-0,495	1,070	1,000	1,300
2021-09-25	-0,528	-0,495	1,070	1,000	1,300
2021-09-24	-0,523	-0,497	1,070	1,000	1,300
2021-09-23	-0,530	-0,489	1,070	1,000	1,300
2021-09-22	-0,528	-0,490	1,070	1,000	1,300
2021-09-21	-0,526	-0,493	1,070	1,000	1,300
2021-09-20	-0,522	-0,493	1,070	1,000	1,300
2021-09-19	-0,522	-0,493	1,070	1,000	1,300
2021-09-18	-0,522	-0,493	1,070	1,000	1,300
2021-09-17	-0,524	-0,488	1,070	1,000	1,300
2021-09-16	-0,522	-0,489	1,070	1,000	1,300
2021-09-15	-0,520	-0,495	1,070	1,000	1,300
2021-09-14	-0,519	-0,489	1,070	1,000	1,300
2021-09-13	-0,522	-0,489	1,070	1,000	1,300
2021-09-12	-0,522	-0,489	1,070	1,000	1,300
2021-09-11	-0,522	-0,489	1,070	1,000	1,300
2021-09-10	-0,517	-0,496	1,070	1,000	1,300
2021-09-09	-0,518	-0,500	1,070	1,000	1,300
2021-09-08	-0,520	-0,500	1,070	1,000	1,300
2021-09-07	-0,519	-0,499	1,070	1,000	1,300
2021-09-06	-0,520	-0,499	1,070	1,000	1,300
2021-09-05	-0,520	-0,499	1,070	1,000	1,300
2021-09-04	-0,520	-0,499	1,070	1,000	1,300
2021-09-03	-0,521	-0,501	1,070	1,000	1,300
2021-09-02	-0,522	-0,500	1,070	1,000	1,300
2021-09-01	-0,529	-0,502	1,070	1,000	1,300
2021-08-31	-0,529	-0,501	1,070	1,000	1,300
2021-08-30	-0,530	-0,501	1,070	1,000	1,300
2021-08-29	-0,530	-0,501	1,070	1,000	1,300
2021-08-28	-0,530	-0,501	1,070	1,000	1,300
2021-08-27	-0,528	-0,495	1,070	1,000	1,300
2021-08-26	-0,527	-0,494	1,070	1,000	1,300
2021-08-25	-0,529	-0,494	1,070	1,000	1,300
2021-08-24	-0,528	-0,494	1,070	1,000	1,300
2021-08-23	-0,529	-0,494	1,070	1,000	1,300
2021-08-22	-0,529	-0,494	1,070	1,000	1,300
2021-08-21	-0,529	-0,494	1,070	1,000	1,300
2021-08-20	-0,527	-0,491	1,070	1,000	1,300
2021-08-19	-0,527	-0,493	1,070	1,000	1,300
2021-08-18	-0,527	-0,496	1,070	1,000	1,300
2021-08-17	-0,528	-0,497	1,070	1,000	1,300
2021-08-16	-0,527	-0,497	1,070	1,000	1,300
2021-08-15	-0,527	-0,497	1,070	1,000	1,300

Objašnjenje pojmova

BELIBOR (Belgrade Interbank Offered Rate) – referentna kamatna stopa po kojoj vodeće banke pozajmljuju novac – dinare jedna drugoj. Visina BELIBOR-a utiče na obračun kamate na kredite u dinarima, obračunava se za određene vremenske periode do jedne godine.

EURIBOR (Euro Interbank Offered Rate) – referentna kamatna stopa koja se utvrđuje na evropskom međubankarskom tržištu među prvoklasnim bankama. Utvrđuje se dnevno kao prosečna stopa po kojoj reprezentativne banke međusobno daju u zajam neosigurana novčana sredstva.

Referentna kamatna stopa – kamatna stopa prema čijim promenama se upravljaju druge kamatne stope. Na primer: referentna kamatna stopa Narodne banke Srbije predstavlja polaznu kamatnu stopu, s obzirom da se visina osnovnih kamatnih stopa na novčanom tržištu, odnosno raspon kamatnih stopa, utvrđuje prema visini te kamatne stope. Pored toga, referentna kamatna stopa Narodne banke Srbije može biti jedna od komponenti u strukturi promenljivih kamatnih stopa za kredite u dinarima (referentna kamatna stopa + marža). S obzirom na to da je referentna kamatna stopa promenljiva kategorija, usklađivanje nominalne kamatne stope s referentnom vrši se u vremenskim intervalima koji su navedeni u ugovoru o kreditu.

Indeks potrošačkih cena - mera prosečne promene cena fiksne korpe robe i usluga koje domaćinstva kupuju u cilju zadovoljavanja svojih potreba. Indeks meri promenu cena u vremenu, pri čemu se za oba perioda koja se porede koristi struktura potrošnje baznog perioda.

Kamatna stopa na nedozvoljeno prekoračenje po tekućem računu je promenljiva i iznosi 40.p.p. na godišnjem nivou uvećanih za stopu rasta potrošačkih cena na godišnjem nivou pri čemu se usklađivanje sa stopom rasta potrošačkih cena vrši dva puta godišnje na sledeći način:

od 01.03. do 31.08. na osnovu stope rasta potrošačkih cena u prethodnoj kalendarskoj godini
od 01.09. do 28.02. na osnovu stope rasta potrošačkih cena na dan 30.06. u odnosu na 30.06. prethodne godine

Na dan 01.09.2020. godine visina kamatne stope na nedozvoljeno prekoračenje iznosi 41,60% i ista će biti u primeni do 01.03.2021. godine.