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Projekt.nb
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V 17 stoletju so trgovci svoje zlato za\[CHacek]eli \
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Obresti so fina\[CHacek]ni dolg, ki nastane ob posoijlu Denarja od trejte \
osebe oz. banke. Ko si sposodi\[SHacek] denar mora\[SHacek] pla\[CHacek]ati \
finan\[CHacek]ne obresti. Ko nekomu posodi\[SHacek] denar so oni tebi dol\
\[ZHacek]ni pla\[CHacek]ati obresti.Obstajajo \[SHacek]tevilni na\[CHacek]ini \
kako izra\[CHacek]unati obresti nekateri so za posojevalca bolj prikupni.To \
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\[CHacek]itev da bo\[SHacek] posojeval denarna sredstva v zameno za obresti \
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Pri tem je seveda vredno omeniti da obresti so dodaten dolg, ki sproti \
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posameznik oz.Firma namerava re\[SHacek]iti dolgov mora posojevalcu pla\
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\[CapitalCHacek]e ima\[SHacek] lastne prihranke, jih sam lahko da\[SHacek] \
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banki (s tem jim dovoljuje\[SHacek] da ta sredstva posojajo naprej ali pa \
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pri\[CHacek]akoval obresti, saj ti nima\[SHacek] nobene koristi od tega da \
samo oddaja\[SHacek] sredstva. Vi\[SHacek]ina obresti je odvisna od :
\[Bullet] obrestne mere
\[Bullet] vi\[SHacek]ine posojila\t
\[Bullet] \[CHacek]as ki si ga je posameznik vzel, da je popla\[CHacek]al \
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Vi\[SHacek]ji kot je kateri koli od zgornjih treh faktorjev,vi\[SHacek]ji \
je dolg ki ga je treba poravnati.\
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*Ve\[CHacek]ina bank in izdajateljev kreditnih kartic ne uporablja preprostih \
obresti.Namesto tega delujejo po obrestnem obrestovanju, kar ima za posledico \
zneske obresti,ki hitreje rastejo (glej spodaj).*\
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"\nObrestna mera v 5 % na leto in stanje 100 evrov povzro\[CHacek]i obresti \
v vi\[SHacek]ini 5 evrov na leto, ob predpostavki, da uporabljate preproste \
obresti. \[CapitalCHacek]e spremenimo tri zgoraj navedene dejavnike in si \
lahko gledamo kako obrestna mera raste/pada. \n\n",
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Zaslu\[ZHacek]ite, ko posojate denar ali naka\[ZHacek]ete sredstva na \
obrestni ban\[CHacek]ni ra\[CHacek]un, na primer var\[CHacek]evalni ra\
\[CHacek]un ali potrdilo o vlogi (CD).Banke posojajo za vas : va\[SHacek] \
denar porabijo za posojilo drugim strankam in druge nalo\[ZHacek]be, del tega \
prihodka pa vam prenesejo v obliki obresti. Periodi\[CHacek]no (na primer \
vsak mesec ali \[CHacek]etrtletje) banka na va\[SHacek]e prihranke pla\
\[CHacek]uje obresti. Videli boste transakcijo za pla\[CHacek]ilo obresti in \
opazili boste, da se stanje na ra\[CHacek]unu pove\[CHacek]a. Ta denar lahko \
porabite ali ga hranite na ra\[CHacek]unu, tako da bo \[SHacek]e naprej zaslu\
\[ZHacek]il obresti. Va\[SHacek]i prihranki lahko resni\[CHacek]no dobijo \
zagon, ko pustite zanimanje za svoj ra\[CHacek]un - zaslu\[ZHacek]ili boste \
obresti na svojem prvotnem depozitu in tudi obresti, dodane v ra\[CHacek]un. \
Zaslu\[ZHacek]ki na vrhu obresti, ki ste ga zaslu\[ZHacek]ili prej, so znani \
kot sestavne obresti.
Primer : Na var\[CHacek]evalni ra\[CHacek]un, ki pla\[CHacek]a 5 % obrestne \
mere, naka\[ZHacek]ete 1.000 EUR. S preprostimi obrestnimi merami bi v enem \
letu zaslu\[ZHacek]ili 50 EUR.To izra\[CHacek]unamo tako da 1.000 evrov \
prihranka pri\[SHacek]tejemo s 5 % od 1.000. \
\
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Primer : Brata oba na razli\[CHacek]nih bankah odpreta var\[CHacek]evalni ra\
\[CHacek]un. Banki jim ponudita razli\[CHacek]ne obrestne mere in brata vlo\
\[ZHacek]ita noter, med seboj razli\[CHacek]ni vsoti denarja.\
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