{"id":852,"date":"2024-04-07T00:00:45","date_gmt":"2024-04-07T00:00:45","guid":{"rendered":"https:\/\/crofxtrading.com\/?p=852"},"modified":"2024-05-05T20:55:27","modified_gmt":"2024-05-05T20:55:27","slug":"unisteno-trziste-nekretnina","status":"publish","type":"post","link":"https:\/\/crofxtrading.com\/index.php\/2024\/04\/07\/unisteno-trziste-nekretnina\/","title":{"rendered":"Kako je uni\u0161teno tr\u017ei\u0161te nekretnina?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"852\" class=\"elementor elementor-852\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5062317 e-flex e-con-boxed e-con e-parent\" data-id=\"5062317\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-eec572d e-flex e-con-boxed e-con e-child\" data-id=\"eec572d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f839ed2 e-flex e-con-boxed e-con e-child\" data-id=\"f839ed2\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f2759bc e-con-full e-flex e-con e-child\" data-id=\"f2759bc\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-607e6bd elementor-widget elementor-widget-text-editor\" data-id=\"607e6bd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Nije tajna da je moderni san o vlasni\u0161tvu nad nekretninama mrtav, a mnogi ljudi ka\u017eu da ga je Biden ubio i ta se smrt prebacuje na ostatak zapadnog svijeta. Iako je on zabio posljednji \u010davao u lijes, krivnja ide na sve strane politi\u010dkog spektra unazad <strong>desetlje\u0107ima<\/strong>.<\/p><p>Ovo se doga\u0111a ve\u0107 du\u017ee vrijeme i moramo se vratiti do predsjednika Lyndona Johnsona da vidimo gdje su posijani korijeni ovog otrovnog korova.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd889604c-f940-4657-ac3e-63a28f948788_2000x1341.jpeg\" \/><\/p><p><strong>Prije LBJ-a, Amerikanci su razumjeli da je vlasni\u0161tvo nad nekretninama ne\u0161to \u0161to morate imati,ne\u0161to \u0161to svaka osoba zaslu\u017euje i na \u0161to ima pravo<\/strong><\/p><p>I onda: socijalni sustav!<\/p><p>Moderno dru\u0161tvo donijelo je razgovor o vlasni\u0161tvu nad nekretninama kao pravo samo <strong>nekih<\/strong> pojedinaca,a veliku zaslugu tome je imao upravo Johnson<\/p><p>Johnosn je koristio socijalni sustav tako da su ljudi bili &#8220;smje\u0161teni&#8221;, ali nisu bili &#8220;vlasnici nekretnina&#8221;.<\/p><p>Tako\u0111er je preusmjerio stambene investicije iz ku\u0107a u stanove, po nalogu vlade.<\/p><p>Kasnije administracije polako su pove\u0107avale koliko vlada subvencionira stanovanje, a te subvencije pro\u0161irile su se \u010dak i na izgradnju obiteljskih ku\u0107a.<\/p><p>Na prvi pogled, pomislili biste da \u0107e to smanjiti cijenu ku\u0107a jer bi trebalo pove\u0107ati ponudu, i bili biste u pravu &#8211; da je to zaista bio konkurentni tr\u017ei\u0161ni uvjet. Ali ovi dodatni programi socijalne pomo\u0107i primjenjivali su se samo na <strong>odre\u0111ene<\/strong> ljude i pove\u0107ali su tro\u0161kove stambenog prostora <strong>za sve ostale.<\/strong><\/p><p>Kada bi vlada proglasila susjedstvo, recimo, kao smje\u0161taj namijenjen siroma\u0161nima, to bi uklonilo te stambene jedinice s privatnog tr\u017ei\u0161ta na kojem ve\u0107ina ljudi poku\u0161ava kupiti ku\u0107u. Takav slijed doga\u0111aja je zapravo pove\u0107ao cijene nekretnina koje su se nalazile u tom susjedstvu,a nisu bili u socijalnom planu<\/p><p>Budu\u0107i da pojedina\u010dne obiteljske ku\u0107e mogu smjestiti zna\u010dajno manje ljudi na odre\u0111enoj koli\u010dini zemlje od stanova, kori\u0161tenje ku\u0107a za smje\u0161taj primalaca socijalne pomo\u0107i koji su prethodno imali apartmane zna\u010dajno smanjuje zemlji\u0161te dostupno za smje\u0161taj sudionika privatnog tr\u017ei\u0161ta.<\/p><p>To je relativno brzo pove\u0107alo vrijednost zemlji\u0161ta u podru\u010djima s visokom koncentracijom osoba s niskim prihodima koje su vjerojatnije bile podobne za socijalnu pomo\u0107. <strong>Sve manje dostupnog zemlji\u0161ta stvorilo je jaz izme\u0111u vrijednosti ku\u0107a na privatnom tr\u017ei\u0161tu<\/strong><\/p><p>Nemogu\u0107nost bijega iz siroma\u0161tva poticala je kriminal. Prvi put, getoi su postali sinonim za kriminal u Americi.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5dc37274-43f0-4910-bf21-27d519206d87_2100x1181.webp\" \/><\/p><p>Ironija je stvar da \u0161to se socijalna pomo\u0107 vi\u0161e \u0161irila, to je vi\u0161e postajala zamka u vezi s stanovanjem. Ipak, ovi programi bili su mali u usporedbi s dana\u0161njim i nisu utjecali na mnoge Amerikance. U\u010dinak je bio geografski izoliran, gotovo uvijek u kopnenim gradovima.<\/p><p>Tada je do\u0161la <strong>inflacija<\/strong>.<\/p><p>Netko je morao platiti za programe socijalne pomo\u0107i, rat u Vijetnamu i sve ostale vladine gluposti. Ne \u017eele\u0107i ograni\u010diti potro\u0161nju niti pove\u0107ati poreze (i oslobo\u0111en od standarda zlatne rezerve), odabrani mehanizam financiranja bio je <strong>inflacija<\/strong>.<\/p><p>S naglim padom vrijednosti dolara sedamdesetih godina, gotovo je bilo nemogu\u0107e \u0161tedjeti za polog. Svaki put kad biste skupili dovoljno novca, cijena ku\u0107a bi <strong>porasla<\/strong>, \u0161to je tjeralo gra\u0111ane da vi\u0161e rade ili se vi\u0161e zadu\u017euju<\/p><p>Kako su kamatne stope sko\u010dile krajem sedamdesetih i po\u010detkom osamdesetih, nije bilo va\u017eno imate li 20% pologa jer si niste mogli priu\u0161titi mjese\u010dnu uplatu.<\/p><p>Amerikanci su u nekim slu\u010dajevima bili prisiljeni odgoditi kupnju ku\u0107e godinama, \u0161tede\u0107i dovoljno da pola\u017eu otprilike polovicu cijene ku\u0107e kako bi njihove mjese\u010dne uplate ponovno postale prihvatljive.<\/p><p>Iako je Ronald Reagan napravio ograni\u010deni napredak u smanjenju negativnih u\u010dinaka programa socijalne pomo\u0107i za stanovanje, u\u010dinak je bio minimalan. Bio je to procvat gospodarstva i poraz inflacije osamdesetih godina koji su uzrokovali eksploziju stvarnih pla\u0107a i omogu\u0107ili vlasni\u0161tvo nad nekretninama milijunima Amerikanaca.<\/p><p>Njegov nasljednik krenuo je u povrat tog napretka. Bush Prvi povukao je Reaganov ograni\u010deni napredak u programima socijalne pomo\u0107i za stanovanje i nadgledao pove\u0107anje poreza, inflacije i kamatnih stopa. U\u010dinak nije bio ogroman, ali svakako <strong>nije<\/strong> pomogao Amerikancima da priu\u0161te ku\u0107e.<\/p><p>Njegov sin, Bush Drugi, u\u010dinio je puno vi\u0161e \u0161tete. U ime &#8220;suosje\u0107ajnog konzervativizma&#8221; Bush drugi \u00a0je znatno pro\u0161irio programe socijalne pomo\u0107i za stanovanje.<\/p><p>Iako je Clinton potpisao reformu socijalne pomo\u0107i, uklju\u010duju\u0107i neke stambene programe, dodao je i regulacije koje su efektivno prisilile banke da posu\u0111uju odre\u0111enim skupinama s <strong>nesrazmjerno lo\u0161om kreditnom sposobno\u0161\u0107u<\/strong>.<\/p><p>U vrijeme ni\u017eih od normalnih kamatnih stopa, banke su bile pod pritiskom regulatora poput FDIC-a i SEC-a da daju kredite sve rizi\u010dnijim zajmoprimcima. Agencije za ocjenjivanje kreditne sposobnosti imale su poticaj da zatvore o\u010di. Graditelji su imali obilje novca od vladinih subvencija.<\/p><p>Najve\u0107e tr\u017ei\u0161te nekretnina u povijesti bilo je u tijeku. Milijuni Amerikanaca napustili su stanove socijalne pomo\u0107i i postali vlasnici nekretnina, ali samo u nominalnom smislu, jer su bili u ku\u0107ama koje si nisu mogli priu\u0161titi.<\/p><p>Sofisticirani financijski instrumenti poput &#8220;obrnute amortizacije s djelomi\u010dnim kamatama&#8221; bili su obmana koja je zadovoljila regulatorne zahtjeve, ali osudila vlasnika ku\u0107e i cijelu industriju na katastrofu. <strong>Cijela stvar ovisila je o stalnom rastu cijena nekretnina,\u0161to je neodr\u017eivo.<\/strong><\/p><p><strong>I tada \u2013 CRASH 2008<\/strong><\/p><p>Lord Greenspan shvatio je da stalno printanje novca uzrokuje inflaciju(ma daj :D), i kamatne stope vratile su se na normalu. Mnogi Amerikanci na\u0161li su se toliko zadu\u017eeni na svojim hipotekama da ih nisu mogli otpla\u0107ivati<\/p><p>Epski slom koji je uslijedio potopio je toliko financijskih derivata da je pokrenuo prvu globalnu financijsku krizu od Velike depresije.<\/p><p>U godinama koje su uslijedile (nazvane <strong>Velikom recesijom<\/strong>), Fed je uletio i poku\u0161ao sve mogu\u0107e poduprijeti padaju\u0107e cijene nekretnina, misle\u0107i da \u0107e to rije\u0161iti problem. Kupovali su obveznice s hipotekama, radili vi\u0161e rundi QE-a, pumpanja likvidnosti u sustav I jo\u0161 mnogo toga<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F59a3fb54-6435-42f6-8047-db5cac42567c_1304x1026.png\" \/><\/p><p>Nije uspjelo. Ono \u0161to je tr\u017ei\u0161tu bilo potrebno bilo je da se spali sve mrtvo drvo i likvidira sve lo\u0161e imovine , brzo. Umjesto toga, proces se protegao kroz desetlje\u0107e i sputao gospodarski rast.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6bed229c-b647-49ca-a9e1-f96955f2a715_750x1051.png\" \/><\/p><p>Stvarni su prihodi zna\u010dajno pali tijekom \u00a0godina i dostupnost vlasni\u0161tva nad nekretninama pobolj\u0161ala se. <strong>Ali onda je do\u0161la 2020. godina kada je vlada uni\u0161tila sve \u0161to je godinama gradila<\/strong><\/p><p>S rekordno niskim kamatnim stopama, odjednom je gotovo svatko mogao priu\u0161titi jumbo hipoteku s gotovo nikakvim pologom.<\/p><p>U\u017eurbanost je brzo podigla cijene ku\u0107a jo\u0161 vi\u0161e nego pro\u0161li put. To je bilo lo\u0161e, ali onda je Biden pretvorio jednokratne tro\u0161kove hitnih mjera protiv covida u institucionalizirane vi\u0161etruke deficite u trilijunima dolara.<\/p><p>Onda je do\u0161la inflacija. Ponovo.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2F1966d64b-3dc9-45d5-811d-6e9d9b53ef70_1753x1668.jpeg\" alt=\"Inflation is ruining everything - by Liz Farmer\" \/><\/p><p>To je potaknulo dvorsku ludu, Powella, da kasno podigne kamatne stope. <strong>Agresivno<\/strong>.<\/p><p>Mnogi Amerikanci imaju hipoteke izme\u0111u 2 i 3%. Ako danas prodaju svoje domove, izgubit \u0107e te hipoteke jer bankina zalo\u017enica na toj imovini zna\u010di da jo\u0161 uvijek ima pravo na prvi dolar od prodaje ku\u0107e. Da bi kupili novi dom, te osobe moraju dobiti novu hipoteku po dana\u0161njim tr\u017ei\u0161nim stopama,\u0161to je mnogo vi\u0161e<\/p><p>Prijelaz s kamatne stope od 2,5% na stopu od 7,5% dovoljan je da se udvostru\u010di mjese\u010dna hipoteka za mnoge zajmoprimce. Morate ili kupiti pola manje ku\u0107e, ili znatno pove\u0107ati cijenu po kojoj prodajete vlastiti dom.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb66d024d-9d02-4964-868d-03f98193673b_750x750.png\" \/><\/p><p>A inflacija koju smo spomenuli? Pove\u0107ala je veleprodajnu inflaciju za graditelje ku\u0107a na rekordne visine, tako da graditelji ne mogu zna\u010dajno spustiti cijene i jo\u0161 uvijek biti profitabilni.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F646f5ae1-ea7d-43b1-baac-08653d348390_793x713.png\" \/><\/p><p>Ina\u010de, postoji vrlo \u010dvrsta obrnuta veza izme\u0111u cijena ku\u0107a i kamatnih stopa, a mjese\u010dne hipoteke ostaju relativno stabilne tijekom vremena. Ali politika Bidena i nasilne promjene u monetarnoj politici prekinuli su taj mehanizam.<\/p><p>Ono \u0161to imamo su tvrdoglavo visoke cijene ku\u0107a, vi\u0161e kamatne stope i rekordno niska dostupnost zbog pada stvarnih pla\u0107a posljednjih dvije i pol godine. S prosje\u010dnim cijenama ku\u0107a od preko 400.000 dolara, vlastita nekretnina postaje san sve ve\u0107eg broja ljudi<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F970be337-3abd-4ab6-a50f-6924ddb4e31a_750x751.png\" \/><\/p><p>Mo\u017eda mislite da \u0107e ni\u017ee kamatne stope sljede\u0107e godine rije\u0161iti problem, ali to nije to\u010dno. Osim ako Powell ne smanji stope gotovo na nulu kako bi hipoteke bile blizu razine iz doba pandemije, ku\u0107e sve biti jo\u0161 te\u017ee za posjedovati<\/p><p>Isto tako, osim ako cijene gradnje ne padnu (nagovje\u0161taj: ne\u0107e), graditelji \u0107e pove\u0107ati \u00a0cijene kako padaju kamatne stope,jer ,pa,za\u0161to ne.<\/p><p>Ukratko, mjese\u010dne hipoteke su zarobljene na ovim bolnim razinama i mo\u017ee pro\u0107i desetlje\u0107e (ili vi\u0161e) prije nego \u0161to stvarni prihodi stignu do to\u010dke gdje su ku\u0107e ponovno pristupa\u010dne.<\/p><p>\u0160to je to u\u010dinilo zapadnom svijetu?<strong> Stvorilo je dru\u0161tvo s dva sloja, s imaju\u0107ima i nemaju\u0107ima. Ako ste imali sre\u0107e kupiti ku\u0107u 2020. godine ili ranije, mo\u017eda ste zaglavljeni gdje jeste, ali barem imate dom.<\/strong><\/p><p>Iako nikada nije bilo skuplje posjedovati ku\u0107u i posjedovanje ku\u0107e nikada nije bilo toliko skupo u odnosu na najam, najamnine su tako\u0111er na rekordno visokim razinama. Stoga ve\u0107ina najmoprimaca ne mo\u017ee priu\u0161titi \u0161tednju za polog.<\/p><p>Ovo je suvremeno kmetstvo, re\u017eirano tijekom desetlje\u0107a od strane zapadnih \u00a0elitnih vlasti. Postoje vlasnici nekretnina, a zatim su tu svi ostali.<\/p><p>Trenutni smjer zapadnih zemalja \u00a0je zaista tragi\u010dno poglavlje u ovoj pri\u010di. Politi\u010dke elite, s obje strane politi\u010dkog spektra, \u017eeli samo nastaviti ovim putem jer ih oboga\u0107uje i njihove donatore.<\/p><p><img decoding=\"async\" src=\"https:\/\/substackcdn.com\/image\/fetch\/w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6bf6909e-8750-45f0-b207-6c1c39e7318b_1017x1089.jpeg\" alt=\"Me_irl : r\/me_irl\" \/><\/p><p>Sre\u0107om, sljede\u0107e poglavlje ove knjige jo\u0161 nije napisano. Ako se planine i oceani mogu premostiti, onda se mo\u017ee premostiti sve \u0161to je stvorio \u010dovjek. Sve \u0161to ide gore,i\u0107i \u0107e jednog dana I dolje.<\/p><p><strong>No,ono \u0161to je potrebno da bi se sru\u0161ilo ovakvo tr\u017ei\u0161te nekretnina i da bi cijene pale je toliko jaka recesija da \u0107e ve\u0107ini ljudi biti bitno samo da imaju dovoljno novaca da kupe kruh,a ne da posjeduju nekretninu. I da,ovo nije sretan kraj pri\u010de. Jer \u0107e u toj korekciji ljudi sa vi\u0161kom likvidnosti(\u010ditaj:vi\u0161e para u d\u017eepovima) kupovati nekretnine po ni\u017eim cijenama,da bi ih ponovno kasnije prodavali i davali u najam po vi\u0161ima cijenama te \u010dinili normalan \u017eivot ve\u0107ine ljudi \u2013 nemogu\u0107im.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cab0ab e-con-full e-flex e-con e-child\" data-id=\"2cab0ab\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79f833a elementor-widget elementor-widget-jkit_heading\" data-id=\"79f833a\" data-element_type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module___69d05f1ebb29f\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Najnoviji <span class=\"style-color\"><span>\u010dlanci<\/span><\/span><\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-332e7ac elementor-widget elementor-widget-jkit_post_list\" data-id=\"332e7ac\" data-element_type=\"widget\" data-widget_type=\"jkit_post_list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div  class=\"jeg-elementor-kit jkit-postlist layout-horizontal post-element jkit-pagination-disable jeg_module__1_69d05f1ebd5c4\"  data-id=\"jeg_module__1_69d05f1ebd5c4\" data-settings=\"{&quot;post_type&quot;:&quot;post&quot;,&quot;number_post&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:6,&quot;sizes&quot;:[]},&quot;post_offset&quot;:0,&quot;unique_content&quot;:&quot;disable&quot;,&quot;include_post&quot;:&quot;&quot;,&quot;exclude_post&quot;:852,&quot;include_category&quot;:&quot;&quot;,&quot;exclude_category&quot;:&quot;&quot;,&quot;include_author&quot;:&quot;&quot;,&quot;include_tag&quot;:&quot;&quot;,&quot;exclude_tag&quot;:&quot;&quot;,&quot;sort_by&quot;:&quot;latest&quot;,&quot;pagination_mode&quot;:&quot;disable&quot;,&quot;pagination_loadmore_text&quot;:&quot;Load More&quot;,&quot;pagination_loading_text&quot;:&quot;Loading...&quot;,&quot;pagination_number_post&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:3,&quot;sizes&quot;:[]},&quot;pagination_scroll_limit&quot;:0,&quot;pagination_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;pagination_icon_position&quot;:&quot;before&quot;,&quot;sg_content_layout&quot;:&quot;horizontal&quot;,&quot;sg_content_image_enable&quot;:&quot;yes&quot;,&quot;sg_content_background_image_enable&quot;:&quot;&quot;,&quot;sg_content_icon_enable&quot;:&quot;yes&quot;,&quot;sg_content_icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_meta_enable&quot;:0,&quot;sg_content_meta_date_enable&quot;:0,&quot;sg_content_meta_date_type&quot;:&quot;published&quot;,&quot;sg_content_meta_date_format&quot;:&quot;default&quot;,&quot;sg_content_meta_date_format_custom&quot;:&quot;F j, Y&quot;,&quot;sg_content_meta_date_icon&quot;:{&quot;value&quot;:&quot;fas fa-clock&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_meta_category_enable&quot;:0,&quot;sg_content_meta_category_icon&quot;:{&quot;value&quot;:&quot;fas fa-tag&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;sg_content_meta_position&quot;:&quot;top&quot;,&quot;sg_content_image_size_imagesize_size&quot;:&quot;medium_large&quot;,&quot;paged&quot;:1,&quot;class&quot;:&quot;jkit_post_list&quot;}\"><div class=\"jkit-block-container\"><div class=\"jkit-posts jkit-ajax-flag\">\n            <article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2025\/11\/02\/fed-kraj-qt-qe-tiskanje-novca\/\" >\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"585\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/10\/no-good-options-powells-interest-rate-crisis-v0-FqQC8gpuAuZ2St9VaWi1WxSlwKLXgDWwcp0c_bxl8fE-768x585.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/10\/no-good-options-powells-interest-rate-crisis-v0-FqQC8gpuAuZ2St9VaWi1WxSlwKLXgDWwcp0c_bxl8fE-768x585.png 768w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/10\/no-good-options-powells-interest-rate-crisis-v0-FqQC8gpuAuZ2St9VaWi1WxSlwKLXgDWwcp0c_bxl8fE-300x229.png 300w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/10\/no-good-options-powells-interest-rate-crisis-v0-FqQC8gpuAuZ2St9VaWi1WxSlwKLXgDWwcp0c_bxl8fE.png 936w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">Kraj QT-a: Za\u0161to Fed ponovno otvara vrata QE-u i tiskanju novca?<\/span><\/div>\n                <\/a>\n            <\/article><article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2025\/02\/26\/bitcoin-novi-poredak-2\/\" >\n                    <img decoding=\"async\" width=\"768\" height=\"430\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/Screen-Shot-2-26-2025-at-7.59-PM-768x430.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/Screen-Shot-2-26-2025-at-7.59-PM-768x430.png 768w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/Screen-Shot-2-26-2025-at-7.59-PM-300x168.png 300w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/Screen-Shot-2-26-2025-at-7.59-PM-1024x573.png 1024w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/Screen-Shot-2-26-2025-at-7.59-PM.png 1197w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">Bitcoin &#8211; kraj monetarne nepravde ili po\u010detak novog poretka?<\/span><\/div>\n                <\/a>\n            <\/article><article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2025\/02\/09\/europa-pocetak-kraja\/\" >\n                    <img decoding=\"async\" width=\"640\" height=\"360\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/European_Union_Fracture.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/European_Union_Fracture.jpg 640w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2025\/02\/European_Union_Fracture-300x169.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">Europa &#8211; po\u010detak kraja?<\/span><\/div>\n                <\/a>\n            <\/article><article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2024\/09\/14\/sto-se-dogada-u-kini\/\" >\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"430\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/09\/Common-Prosperity-CCP-Chinese-Economy-Xi-Jinping-768x430.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/09\/Common-Prosperity-CCP-Chinese-Economy-Xi-Jinping-768x430.jpg 768w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/09\/Common-Prosperity-CCP-Chinese-Economy-Xi-Jinping-300x168.jpg 300w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/09\/Common-Prosperity-CCP-Chinese-Economy-Xi-Jinping-1024x574.jpg 1024w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/09\/Common-Prosperity-CCP-Chinese-Economy-Xi-Jinping.jpg 1303w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">\u0160to se to doga\u0111a s Kinom?<\/span><\/div>\n                <\/a>\n            <\/article><article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2024\/05\/12\/zlato-kao-zastita\/\" >\n                    <img loading=\"lazy\" decoding=\"async\" width=\"736\" height=\"552\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/05\/FvFhzPtXwAAcMdU.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/05\/FvFhzPtXwAAcMdU.jpg 736w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/05\/FvFhzPtXwAAcMdU-300x225.jpg 300w\" sizes=\"(max-width: 736px) 100vw, 736px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">Zlato kao za\u0161tita. Od \u010dega?<\/span><\/div>\n                <\/a>\n            <\/article><article class=\"jkit-post post-list-item\">\n                <a href=\"https:\/\/crofxtrading.com\/index.php\/2024\/03\/16\/hoce-li-fed-izgubiti-bitku-s-inflacijom\/\" >\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"531\" src=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/03\/img_6877-e1710616996712-768x531.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/03\/img_6877-e1710616996712-768x531.png 768w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/03\/img_6877-e1710616996712-300x207.png 300w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/03\/img_6877-e1710616996712-1024x708.png 1024w, https:\/\/crofxtrading.com\/wp-content\/uploads\/2024\/03\/img_6877-e1710616996712.png 1126w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\n                    <div class=\"jkit-postlist-content\"><span class=\"jkit-postlist-title\">Ho\u0107e li FED izgubiti bitku s inflacijom?<\/span><\/div>\n                <\/a>\n            <\/article>\n        <\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a73960 elementor-hidden-mobile elementor-widget elementor-widget-jkit_heading\" data-id=\"4a73960\" data-element_type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__2_69d05f1ec1ed8\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Ekonomski <span class=\"style-color\"><span>kalendar<\/span><\/span><\/h2><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adb16da elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"adb16da\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- TradingView Widget BEGIN -->\n<div class=\"tradingview-widget-container\">\n  <div class=\"tradingview-widget-container__widget\"><\/div>\n  <div class=\"tradingview-widget-copyright\"><a href=\"https:\/\/www.tradingview.com\/\" rel=\"noopener nofollow\" target=\"_blank\"><span class=\"blue-text\">Track all markets on TradingView<\/span><\/a><\/div>\n  <script type=\"text\/javascript\" src=\"https:\/\/s3.tradingview.com\/external-embedding\/embed-widget-events.js\" async>\n  {\n  \"colorTheme\": \"light\",\n  \"isTransparent\": true,\n  \"width\": \"510\",\n  \"height\": \"600\",\n  \"locale\": \"en\",\n  \"importanceFilter\": \"-1,0,1\",\n  \"countryFilter\": \"eu,nz,ch,au,jp,ca,de,es,gb,us,fr,cn\"\n}\n  <\/script>\n<\/div>\n<!-- TradingView Widget END -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nije tajna da je moderni san o vlasni\u0161tvu nad nekretninama mrtav, a mnogi ljudi ka\u017eu da ga je Biden ubio i ta se smrt prebacuje na ostatak zapadnog svijeta. Iako je on zabio posljednji \u010davao u lijes, krivnja ide na sve strane politi\u010dkog spektra unazad desetlje\u0107ima. Ovo se doga\u0111a ve\u0107 du\u017ee vrijeme i moramo se [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":870,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trzista"],"_links":{"self":[{"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/posts\/852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/comments?post=852"}],"version-history":[{"count":23,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/posts\/852\/revisions"}],"predecessor-version":[{"id":877,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/posts\/852\/revisions\/877"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/media\/870"}],"wp:attachment":[{"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/media?parent=852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/categories?post=852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crofxtrading.com\/index.php\/wp-json\/wp\/v2\/tags?post=852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}