• 09:45

    TV prodaja

    Utorak, 20-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    TV Koktel, mozaična emisija (R)

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  • 11:30

    TV prodaja

    Utorak, 20-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

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  • 14:00

    Sportikos, sportska emisija (R)

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  • 15:00

    Budnica, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:00

    Vukovarska kronika, mozaična emisija (R)

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  • 17:30

    Akademska četvrt, mozaični program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Odaberi zdravlje, sponzorirani program

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  • 21:00

    Naš (g)rad, informativna emisija

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  • 22:00

    Dnevnik, informativna emisija (R)

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  • 22:30

    TV Replika, kontakt emisija (R)

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  • 23:30

    Kraj programa

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  • 09:45

    TV prodaja

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  • 10:00

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  • 10:30

    Zdrava jabuka, sponzorirani program

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  • 11:45

    Sportikos, sportska emisija (R)

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  • 12:45

    U dobroj formi, magazin

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  • 13:15

    Kultura 21, magazin

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  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 14:25

    TV prodaja

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  • 14:40

    Glazbeni program

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  • 14:55

    Naš (g)rad, informativna emisija (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Karte na stol, talk show

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  • 21:00

    Osijek pita, informativna emisija

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  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

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  • 23:00

    Osijek info, mozaična emisija (R)

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  • 23:30

    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

    Četvrtak, 22-04-2021.

  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    Glazbeni program

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  • 11:30

    Kultura 21, magazin

    Četvrtak, 22-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 22-04-2021.

  • 12:20

    U dobroj formi, magazin

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  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 14:00

    LifeStyle TV, magazin

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  • 14:55

    Karte na stol, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 22-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 22-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 22-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 22-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

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  • 19:30

    City music, glazbena emisija

    Četvrtak, 22-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 22-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 22-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 00:30

    Kraj programa

    Petak, 23-04-2021.

  • 09:30

    Glazbeni program

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  • 09:45

    TV prodaja

    Petak, 23-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:20

    Glazbeni program

    Petak, 23-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

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  • 12:00

    Kultura 21, magazin (R)

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  • 12:30

    Glazbeni program

    Petak, 23-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 23-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 23-04-2021.

  • 14:30

    TV prodaja

    Petak, 23-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

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  • 15:55

    Vijesti, informativna emisija

    Petak, 23-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

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  • 17:00

    Kratki rezovi, emisija o filmu

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  • 18:00

    Dnevnik, informativna emisija

    Petak, 23-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 23-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 23-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 23-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 23-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 23-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 23-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

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  • 00:00

    Kraj programa

    Subota, 24-04-2021.

  • 09:45

    TV prodaja

    Subota, 24-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 24-04-2021.

  • 10:30

    TV prodaja

    Subota, 24-04-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 24-04-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 24-04-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 24-04-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

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  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 24-04-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 24-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 24-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 24-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 24-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 24-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 24-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 24-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 24-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 24-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Subota, 24-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Subota, 24-04-2021.

  • 00:00

    Kraj programa

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  • 09:15

    Mamre, vjerski program (R)

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  • 09:30

    Produženi vikend, mozaična emisija (R)

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  • 10:30

    Dnevnik, informativna emisija (R)

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  • 11:00

    Zdrava jabuka, sponzorirani program

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  • 12:00

    To smo mi, putopisna reportaža (R)

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  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 25-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 25-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

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  • 14:30

    Zlato ravnice, poljopriverdna emisija

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  • 15:00

    Zdrava jabuka, sponzorirani program

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  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

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  • 17:40

    Mamre, vjerski program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Glazbeni program

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  • 19:00

    TV Koktel, moziačna emisija (R)

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  • 20:00

    Impuls razvoja, emisija o gospodarstvu

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 23:55

    Kraj programa

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Home loan declined since you are self-employed. Can a mortgage be declined after an understanding in concept?

Self-employed borrowers will have to show their earnings towards the mortgage company.

To work on this you normally need at least days gone by 2 years’ accounts – but the greater several years of records you have got showing a significant revenue, the higher.

You’ll also have to show forms that are SA302 a “tax overview” from HMRC for the last 1 to three years (according to the loan provider).

A home loan broker should be able to suggest loan providers which look favourably on applications from self-employed workers, plus the required documents.

Mortgage declined as a result of problem aided by the home

Each loan provider could have various requirements in regards to the kinds of home considered sufficient safety for a loan.

You which lenders are most likely to accept your application if you are buying a flat, a leasehold property or a property built from non-conventional material, a broker will be able to tell.

In the event that property just isn’t habitable, you may be capable of getting a renovation home loan to borrow the amount of money to really make the home liveable.

Can a mortgage be declined after an agreement in concept?

An understanding in theory is helpful tips of exactly how much a loan provider will be ready to provide you centered on some information that is basic a soft search of the credit history.

Nonetheless it’s perhaps perhaps not a warranty. Each time a lender carries away an even more affordability that is in-depth or a difficult search of one’s credit file, it would likely determine to not ever provide for you.

A lender’s affordability assessment might find out high outgoings or monetary commitments such as for example childcare expenses, car lease or financial obligation repayments.

A tough search of one’s credit file might expose missed debt or bill re payments, way too many credit applications in a quick period of time, or high utilisation of current personal lines of credit.

Can home financing be declined by the underwriter following a valuation?

An underwriter might drop your home loan application following a valuation because:

the underwriter believes the house is not well well worth the acquisition cost

the home valuation suggest your loan exceeds the utmost loan-to-value allowed

you will find doubts concerning the property’s suitability for the loan

the home requirements repairs

When your application is declined following a valuation, you could attempt:

renegotiating the purchase cost with all the vendor

putting straight down a larger deposit

attempting a lender that is different

Can a mortgage be declined after change of contracts?

It’s unusual for home financing to be declined after offer or when you’ve exchanged agreements.

Nevertheless, it may take place if:

the lending company discovers one thing you neglected to reveal in your application

you lose your work or your circumstances alter

The lender suspects you are involved in fraud or crime

you don’t finish the purchase prior to the mortgage offer expires

Your home loan being refused after exchange of Bonuses agreements can be quite expensive. That is if you don’t complete the purchase because you are legally committed to purchasing the property at this point and you will forfeit your deposit.

The length of time must I wait before re-applying if my home loan is declined?

After you’ve been declined, it’s generally advisable to wait at least 3 months while you can apply for another mortgage straight.

You should use this time to find the reason out the application had been declined and make a plan to place your self in an improved position for the following time you use.

Too many declined mortgages will impact your credit rating.

A home loan broker will manage to give you advice about once you should re-apply, also to which loan provider.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development