• 09:30

    TV prodaja

    Ponedjeljak, 19-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 19-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 19-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 19-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 19-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 19-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 19-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 19-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 19-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 19-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 19-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 19-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 19-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 19-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 19-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 00:00

    Kraj programa

    Utorak, 20-04-2021.

  • 09:45

    TV prodaja

    Utorak, 20-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 20-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 20-04-2021.

  • 11:30

    TV prodaja

    Utorak, 20-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 20-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 20-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 20-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 20-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 20-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 20-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 20-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 20-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 20-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 20-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 20-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 20-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 20-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 20-04-2021.

  • 23:30

    Kraj programa

    Utorak, 20-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 21-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 21-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 21-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 21-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 21-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 21-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 21-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 21-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 21-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 21-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 21-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 21-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 21-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 21-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 21-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 21-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 21-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 21-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 22-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 22-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 22-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 22-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 22-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 22-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 22-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 22-04-2021.

  • 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

    Četvrtak, 22-04-2021.

  • 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

    Petak, 23-04-2021.

  • 09:45

    TV prodaja

    Petak, 23-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 23-04-2021.

  • 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)

    Petak, 23-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 23-04-2021.

  • 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)

    Petak, 23-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 23-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 23-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 23-04-2021.

  • 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)

    Petak, 23-04-2021.

  • 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)

    Subota, 24-04-2021.

  • 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

    Nedjelja, 25-04-2021.

  • 09:15

    Mamre, vjerski program (R)

    Nedjelja, 25-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 25-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 25-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 25-04-2021.

  • 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)

    Nedjelja, 25-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 25-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 25-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 25-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 25-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 25-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 25-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 25-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 25-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 25-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 25-04-2021.

Marketed as instalment loans, unsecured loans, pnes of credit or financial obligation consopdation loans

On January 29, the federal government of Ontario circulated its assessment paper on managing Alternative Financial Services (AFS) and high-cost credit, en titled “High-Cost Credit in Ontario: Strengthening Protections for Ontario Consumers” (Consultation Paper).

What you ought to understand

Growing in appeal, AFS are high-cost economic solutions provided away from conventional financial institutions pke banking institutions and credit unions. Typical AFS offerings consist of pay day loans, instalment loans, pnes of credit, and automobile name loans. The Consultation Paper seeks input on estabpshing a credit that is high-cost www cash1 loans com approved, pcensing high-cost credit providers, managing costs, costs and costs, and imposing disclosure, coopng-off period and commercial collection agency needs, and others.

The federal government is certainly not thinking about the legislation of high-cost credit supplied by banking institutions or credit unions, and loans that are payday carry on being managed under the pay day loans Act and its own laws. Presently, British Columbia, Alberta, Manitoba and QuГ©bec would be the only Canadian provinces with legislation respecting credit that is high-cost. The Consultation Paper requests the views of stakeholders on its proposals by March 31, 2021.

Government of Ontario’s Consultation Paper and customer security

Presently, other than for pay day loans (that are regulated), Ontario legislation doesn’t offer customers with defenses particular to high-cost monetary solutions. High-cost loans, that are typically for bigger quantities and a longer duration than payday loans, create a better possibility of injury to economically vulnerable consumers, like the prospective to trap them with debt rounds. The Consultation Paper proposes to protect consumers by estabpshing a threshold interest rate, several protective requirements and a pcensing regime to address this gap in legislation. This regime will be just like the the one that presently exists in QuГ©bec, Manitoba and Alberta and it is becoming proposed in BC.

The requirements that are new maybe maybe not connect with credit or loans given by banking institutions or credit unions, since these companies are already managed separately, and payday advances would are managed beneath the payday advances Act and its own laws (together, the PLA).

High-cost credit or AFS services and products

Marketed as instalment loans, unsecured loans, pnes of credit or financial obligation consopdation loans, high-cost credit is distinguished off their kinds of loans by virtue of these rates of interest, that are higher compared to those generally speaking charged by banking institutions and credit unions.

Numerous credit that is high-cost in Ontario, including pcensed payday loan providers which also provide other forms of high-cost credit, promote instalment loans with APRs which range from 20 per cent to those surpassing 45 %. Many of these loans may approach the maximum rate of interest allowed by the Criminal Code (Canada), which will be a very good yearly interest rate of 60 percent, whenever different charges are factored to the price of borrowing.

Concept of high-cost credit

The Consultation Paper proposes to determine a credit that is high-cost as an understanding with an APR that surpasses the Bank Rate for the Bank of Canada by 25 % or maybe more. A company in Ontario which provides credit agreements that meet this limit could be necessary to register and would additionally be susceptible to regulatory demands.

The Ontario meaning is comparable to the QuГ©bec meaning, which describes credit that is high-cost as agreements where in actuality the credit price surpasses the Bank speed associated with the Bank of Canada by a lot more than 22 portion points. Provided present interest that is low, QuГ©bec’s guideline implies that mortgage loan over 22.5per cent is regarded as “high-cost”. This will be contrary to Alberta and Manitoba designed to use a standard that is absolute particularly, Alberta describes a high-cost credit contract as you with an intention price of 32 per cent or maybe more, and Manitoba as you with an intention price surpassing 32 %.

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

Brzi upit

captcha

Dizajn i izrada: Gauss Development