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V Sloveniji imajo fizične osebe, ki želijo kredit najeti v bankah pestro ponudbo, tako glede bank, kot tudi glede kreditov. Zaradi konkurenčnega boja, ki poteka med bankami v Sloveniji, so za kreditojemalce oblikovale različne vrste kreditov, s skupnim ciljem, da se kreditojemalcem čim bolj približajo pri zadovoljevanju njihovih potreb. Banke tako ponujajo kredite po ugodnih obrestnih merah, za različne namene porabe, po različni odplačilni dobi kredita in ostalih posebnih pogojih, ki ločijo banke med sabo in na koncu tudi vplivajo, pri kateri banki bo kreditojemalec najel kredit ter morebiti postal njihov dolgoletni komitent. Kljub prilagajanju bodočim kreditojemalcem, pa banke pri kreditiranju upoštevajo bančne pogoje oziroma pravila in pri tem ne odstopajo od svojih temeljnih pravil, kot so ustrezna kreditna sposobnost, primerno zavarovanje kredita in korektno poslovanje kreditojemalca. Upoštevanje bančnih pravil, banki zagotavljajo večjo verjetnost, da bodo od kreditojemalca dobile kredit povrnjen v točno določenem času, skupaj z obrestmi vred. K izpolnjevanju bančnih pravil jih zavezuje tudi slovenska zakonodaja in Banka Slovenije, kot nadzorni organ bank. Za banke so najpomembnejši stanovanjski krediti, za katere smo opravili tudi podrobno raziskavo in analizo. Upoštevali smo naslednje kriterije: vrsta in višina obrestne mere, ročnost kreditov, oblike zavarovanja kreditov ter EOM. Spoznali smo, kakšen je postopek odobritve stanovanjskega kredita v NLB. Postopek odobritve kredita se v banki vedno začne s prejetjem vloge za odobritev kredita, s strani kreditojemalca. Sledi izračun kreditne sposobnosti kreditojemalca, informativnega izračuna kredita, preverjanjem njegovega preteklega poslavanja z banko in vpogled v informacijski sistem Sisbon. Če ni odstopanj od bančnih pogojev, banka pripravi pogodbe in druge dokumente, ki jih mora kreditojemalec podpisati pred črpanjem kredita, kar je tudi zadnji korak v postopku odobritve kredita. In Slovenia a natural person who wants to raise a loan at a bank has wide selection to choose from various banks as well as the loans. Because of the economic competition between banks in Slovenia different types of loans were prepared for the debtors. The mutual goal of those loans was to get closer to the debtor with the aim to satisfy their needs. Banks offer loans at favorable rates, for different types of consumption purposes, under different repayment terms as well as other special conditions which differ banks one from another and nevertheless influence the decision of the debtor where to raise a credit and in order to become their long-time client. Despite adjustments to the future debtors, banks are obliged to consider terms and rules of the bank in the matter of lending. They do not disrespect their ground rules like adequate loan eligibility, suitable loan assurance and appropriate commerce behavior of the debtor. If those rules are respected, a bank can be surer of a chance that the loan will be returned in certain time including corresponding interests. To perform those rules, banks are pledged to Slovenian legislation and Bank of Slovenia as the supervisory body. For banks the housing loans are of the highest importance. We performed a detailed research and analysis on their example. The criteria were respected: type and interest rate, loan duration, types of the loan insurances and effective interest rate. The housing loan at the NLB d.d. has been performed with the purpose to show the procedure of the loan approval which always starts with the receipt of the debtor's loan application form Vloga za odobritev kredita. This step is followed by calculation of the debtor's loan eligibility, followed by informative loan calculation, debtor's past relationship to the bank and insight into the information system Sisbon. If there are no deviations from the conditions and terms of a bank, the correspondent bank prepares contracts and other documents which need to be signed before the consummation of the loan, which is actually the last step in the procedure of loan approval.

Za lažje razumevanje kredita je potrebno najprej ločiti med pojmoma posojilo in kredit. Že v rimskem pravu sta imela izraza različen pomen. Posojilo je samo vrsta kupčije, s katero med strankama nastane kreditno razmerje. Vsaka kupčija, pri kateri se stranki dogovorita, da sta dajatev in nasprotna dajatev časovno razmaknjeni, imata za posledico nastanek kreditnega razmerja in s tem upnika in dolžnika. V primeru, da gre za posojanje denarnih sredstev, bi bil primernejši izraz posojilo. Kredit pa pomeni začasen prenos vrednosti od kreditodajalca na kreditojemalca. V slovenskem bančnem prostoru je v preteklih letih prišlo do velikih sprememb. Nove komitente banke pridobivajo s ponudbo ugodnejših storitev za komitente, z nastankom novih gospodarskih subjektov ali pa s privabljanjem komitentov konkurence. Pri tem pa je banka izpostavljena kreditnemu tveganju, ki pomeni tveganje izgube kot posledica dolžnikove nezmožnosti, da izpolni svoje finančne oziroma pogodbene obveznosti. Pri znižanju obrestne mere povpraševanje po kreditu narašča. Po drugi strani pa bo pri visokih obrestnih merah posledično prišlo do prekomernega varčevanja, kar bo vplivalo na proizvodnjo in posledično na brezposelnost. To facilitate understanding of the credit must first distinguishbetween the concept of loans and credits. Only the type of loan is a bargain by which the parties to a creditrelationship. Any bargain whereby the parties agree that the duties and time spaced opposite charges, have resulted in the emergence of the credit relationship, and the creditor and debtor. In the case of loan funds, would have been more appropriate termloan. Credit means the temporary transfer of value from the lander to the borrower. The Slowenian banking sector in recent years have wittnessed significant changes. Banks gain new customers by offering services to clients with the creatin of new economic entities, or by attracting customers of competition. While the Bank is exposed to credit risk, which means the risk of loss resulting from the debtor is inability to meet it is financial or contractual obligations. When interest rates decrease the demand for credit in creases. On the other hand, at high interest rates there subsequently - over – saving, which will affect production and hence on unemployment.