Article
Mar 24
Back

LOAN PROCESSING FEES IN THE LIGHT OF LEGAL POSITIONS OF THE SUPREME COURT OF CASSATION OF THE REPUBLIC OF SERBIA

Nikola Šurjanac

10.55836/PiP_23109A
ABSTRACT /

The paper is devoted to the analysis of the current legal problem of the validity and the way of including the contractual provision on the collection of loan processing fees. The analysis is carried out through a review of legal and by-law regulations, especially judicial practice, which is crowned by the legal positions of the Supreme Court of Cassation whose arguments are the main subject of observation. There are two diametrically opposed positions on this issue: according to the first, contracting this provision is not allowed, while according to the second, it is. The author supports the understanding of the Supreme Court of Cassation, and takes a position on the permissibility of contracting the clause on the collection of loan processing fees, primarily for reasons of the principle of freedom of contract, special laws that indicate the possibility of contracting this provision, but also for reasons of the logic of the functioning of the market. The author also considers the impact of the legal positions of the Supreme Court of Cassation on legal certainty in the Republic of Serbia.

DOWNLOAD COMPLETE ARTICLE /
Serbian (cyr)  
REFERENCES /
  1. Беговић Борис, „У име струке: анализа пресуде и дописа о банкарској накнади за обраду кредита и њихових последица“, Београд, 2018, доступно на адреси: http://www.clds.rs/newsite http://www.clds.rs/newsite/CLDS_radni_dokument_9.pdf, 10. 3. 2022. (Begović Boris, „U ime struke: analiza presude i dopisa o bankarskoj naknadi za obradu kredita i njihovih posledica“, Beograd, 2018, dostupno na adresi: http://www.clds.rs/newsite http://www.clds.rs/newsite/CLDS_radni_dokument_9.pdf, 10. 3. 2022)
  2. Живковић Милош, ,,О дозвољености уговорања трошкова обраде кредита у праву Србије“, Банкарство, бр. 2/2018. (Živković Miloš, ,,O dozvoljenosti ugovoranja troškova obrade kredita u pravu Srbije“, Bankarstvo, br 2/2018)
  3. Јовановић Небојша, Радовић Вук, Радовић Мирјана, Трговинско право, 2. издање, Београд, 2021. (Jovanović Nebojša, Radović Vuk, Radović Mirjana, Trgovinsko pravo, 2. izdanje, Beograd, 2021)
  4. Рачић Ранка, ,,(Не)дозвољеност уговарања накнаде за трошкове обраде кредита у праву Босне и Херцеговине“, Право и привреда, бр. 3/2020. (Račić Ranka, ,,(Ne)dozvoljenost ugovaranja naknade za troškove obrade kredita u pravu Bosne i Hercegovine“, Pravo i privreda, br. 3/2020)
  5. Шогоров Стеван, Банкарско право, 3. издање, Београд – Сремска Каменица, 2009. (Šogorov Stevan, Bankarsko pravo, 3. izdanje, Beograd – Sremska Kamenica, 2009)