{"id":138777,"date":"2021-11-27T13:16:01","date_gmt":"2021-11-27T12:16:01","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=138777"},"modified":"2021-11-27T13:16:01","modified_gmt":"2021-11-27T12:16:01","slug":"akar-17-szazalekkal-is-megemelkedhet-decemberre-a-valtozo-kamatozasu-lakashitelek-torlesztoreszlete","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/akar-17-szazalekkal-is-megemelkedhet-decemberre-a-valtozo-kamatozasu-lakashitelek-torlesztoreszlete\/","title":{"rendered":"Ak\u00e1r 17 sz\u00e1zal\u00e9kkal is megemelkedhet decemberre a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa lak\u00e1shitelek t\u00f6rleszt\u0151r\u00e9szlete"},"content":{"rendered":"<p><strong>Az ir\u00e1nyad\u00f3 kamatok emelked\u00e9se miatt folyamatosan emelkedik a BUBOR mutat\u00f3 \u00e9rt\u00e9ke is. Ez a mutat\u00f3 pedig k\u00f6zvetlen\u00fcl befoly\u00e1solja a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa lak\u00e1shitel kamat\u00e1t, t\u00f6rleszt\u0151r\u00e9szlet\u00e9t. A <\/strong><a href=\"https:\/\/bankmonitor.hu\" target=\"_blank\" rel=\"noopener\"><strong>Bankmonitor<\/strong><\/a><strong> (<\/strong><a href=\"https:\/\/bankmonitor.hu\/\" target=\"_blank\" rel=\"noopener\"><strong>https:\/\/bankmonitor.hu\/<\/strong><\/a><strong>) szak\u00e9rt\u0151inek sz\u00e1m\u00edt\u00e1sa szerint egy ilyen lak\u00e1sk\u00f6lcs\u00f6n t\u00f6rleszt\u0151r\u00e9szlete decemberben ak\u00e1r 17,24 sz\u00e1zal\u00e9kkal is magasabb lehet, mint novemberben volt.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>A magas infl\u00e1ci\u00f3 miatt \u2013 okt\u00f3berben az \u00e9ves \u00e1remelked\u00e9s m\u00e9rt\u00e9ke 6,5 sz\u00e1zal\u00e9k volt \u2013 a jegybank megemelte t\u00f6bb l\u00e9p\u00e9sben az ir\u00e1nyad\u00f3 kamatokat:<\/p>\n<ul>\n<li>A ny\u00e1r eleji 0,6 sz\u00e1zal\u00e9kos <strong>alapkamat november 17-\u00e9t\u0151l el\u00e9rte a 2,1 sz\u00e1zal\u00e9kos<\/strong><\/li>\n<li>Az MNB egyhetes bet\u00e9tj\u00e9nek kamat\u00e1t pedig az alapkamat f\u00f6l\u00e9 emelte, <strong>november 25-\u00e9n a konstrukci\u00f3 meghirdetett kamata 2,90 sz\u00e1zal\u00e9k<\/strong><\/li>\n<\/ul>\n<p>Ezen a v\u00e1ltoz\u00e1sok pedig igen hamar be\u00e9p\u00fcltek a p\u00e9nzpiaci hozamokba, melyek \u00e9rt\u00e9ke d\u00f6nt\u0151en befoly\u00e1solja a k\u00f6lcs\u00f6n\u00f6k kamat\u00e1t is.<\/p><div id=\"gazda-3250507212\" class=\"gazda-tartalomban gazda-entity-placement\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><strong>A BUBOR mutat\u00f3 \u00e9rt\u00e9k\u00e9nek hat\u00e1sa a lak\u00e1shitelek kamat\u00e1ra<\/strong><\/p>\n<p>Az egyik ilyen p\u00e9nzpiaci mutat\u00f3 a BUBOR. (A BUBOR azt mutatja meg, hogy az egyes bankok milyen kamaton adn\u00e1nak k\u00f6lcs\u00f6nt egym\u00e1snak r\u00f6vid, \u00e9ven bel\u00fcli futamid\u0151re.)<\/p>\n<p>A mutat\u00f3 \u00e9rt\u00e9k\u00e9nek alakul\u00e1sa k\u00f6zvetlen\u00fcl befoly\u00e1solja a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa <a href=\"https:\/\/bankmonitor.hu\/lakashitel-kalkulator\/\" target=\"_blank\" rel=\"noopener\">lak\u00e1shitelek<\/a> (<a href=\"https:\/\/bankmonitor.hu\/lakashitel-kalkulator\/\" target=\"_blank\" rel=\"noopener\">https:\/\/bankmonitor.hu\/lakashitel-kalkulator\/<\/a>) kamat\u00e1t. (Azokat a hiteleket nevezik igy, melyeknek kamat\u00e1t a bankok ak\u00e1r \u00e9ven bel\u00fcl is megv\u00e1ltoztathatj\u00e1k.) Ezen k\u00f6lcs\u00f6n\u00f6k kamata ugyanis <strong>kamatfordul\u00f3kor a BUBOR m\u00f3dosul\u00e1s\u00e1val megegyez\u0151 m\u00e9rt\u00e9kben v\u00e1ltozhat<\/strong> meg.<\/p>\n<p><a href=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/BUBOR-decembertol.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-138779\" src=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/BUBOR-decembertol.jpg\" alt=\"\" width=\"651\" height=\"370\" srcset=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/BUBOR-decembertol.jpg 651w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/BUBOR-decembertol-300x171.jpg 300w\" sizes=\"(max-width: 651px) 100vw, 651px\" \/><\/a><\/p>\n<p>A decemberben \u00e1t\u00e1raz\u00f3d\u00f3 hitelek kamat\u00e1t a ma, november 26-\u00e1n \u00e9rv\u00e9nyes BUBOR \u00e9rt\u00e9ke alapj\u00e1n v\u00e1ltoztatj\u00e1k meg. A mutat\u00f3 \u00e9rt\u00e9ke <strong>pedig jelent\u0151sen 1,71-3,16 sz\u00e1zal\u00e9kponttal emelkedett meg<\/strong> az elm\u00falt id\u0151szakban.<\/p>\n<p>De milyen hat\u00e1sa lehet ez a t\u00f6rleszt\u0151r\u00e9szletekre? A Bankmonitor szak\u00e9rt\u0151i ezt egy kor\u00e1bban ig\u00e9nyelt, 8 milli\u00f3 forint fenn\u00e1ll\u00f3 tartoz\u00e1s\u00fa, 12 \u00e9v h\u00e1tral\u00e9v\u0151 futamidej\u0171 k\u00f6lcs\u00f6n p\u00e9ld\u00e1j\u00e1n kereszt\u00fcl mutatj\u00e1k be. A k\u00f6lcs\u00f6n kamata a BUBOR \u00e9rt\u00e9k\u00e9t fixen 2,5 sz\u00e1zal\u00e9kkal haladja meg.<\/p>\n<p><a href=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/torleszto-december.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-138778\" src=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/torleszto-december.jpg\" alt=\"\" width=\"623\" height=\"348\" srcset=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/torleszto-december.jpg 623w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2021\/11\/torleszto-december-300x168.jpg 300w\" sizes=\"(max-width: 623px) 100vw, 623px\" \/><\/a><\/p>\n<p>A t\u00f6rleszt\u0151r\u00e9szlet nagys\u00e1ga a novemberben 67,3-70,4 ezer forint k\u00f6z\u00f6tt lehetett, a pontos nagys\u00e1ga att\u00f3l f\u00fcgg, hogy t\u00e9nylegesen milyen gyakran v\u00e1ltozhat a hitel kamata. A BUBOR \u00e9rt\u00e9k\u00e9nek hat\u00e1s\u00e1ra a <strong>t\u00f6rleszt\u0151r\u00e9szlet megemelkedne decemberre 77-79 ezer forintra. Ami 9,54-17,24 sz\u00e1zal\u00e9kos emelked\u00e9st jelentene.<\/strong><br \/>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Az adott p\u00e9ld\u00e1ba szerepl\u0151 hiteln\u00e9l a t\u00f6rleszt\u0151k emelked\u00e9se miatt \u00f6sszess\u00e9g\u00e9ben <strong>940 ezer forint \u00e9s 1,5 milli\u00f3 forint k\u00f6z\u00f6tti \u00f6sszeggel n\u00f6vekedne meg a teljes visszafizetend\u0151 \u00f6sszeg<\/strong>.<\/p>\n<p>A Bankmonitor szak\u00e9rt\u0151i szerint \u00e9rdemes lehet az ilyen hitelekkel rendelkez\u0151knek elgondolkodni k\u00f6lcs\u00f6n\u00fck kiv\u00e1lt\u00e1s\u00e1n. Ez azt jelenten\u00e9, hogy egy \u00faj hitelb\u0151l kifizetn\u00e9k a m\u00e9g fenn\u00e1ll\u00f3 tartoz\u00e1st. Jelenleg ugyanis a piacon a fentiekn\u00e9l kedvez\u0151bb felt\u00e9telekkel lehet felvenni hossz\u00fa kamatperi\u00f3dus\u00fa hitelt. Vagyis <strong>olcs\u00f3bb \u00e9s biztons\u00e1gosabb k\u00f6lcs\u00f6nre lehetne lecser\u00e9lni a megl\u00e9v\u0151 tartoz\u00e1st<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az ir\u00e1nyad\u00f3 kamatok emelked\u00e9se miatt folyamatosan emelkedik a BUBOR mutat\u00f3 \u00e9rt\u00e9ke is. Ez a mutat\u00f3 pedig k\u00f6zvetlen\u00fcl befoly\u00e1solja a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa lak\u00e1shitel kamat\u00e1t, t\u00f6rleszt\u0151r\u00e9szlet\u00e9t. A Bankmonitor (https:\/\/bankmonitor.hu\/) szak\u00e9rt\u0151inek sz\u00e1m\u00edt\u00e1sa szerint egy ilyen lak\u00e1sk\u00f6lcs\u00f6n t\u00f6rleszt\u0151r\u00e9szlete decemberben ak\u00e1r 17,24 sz\u00e1zal\u00e9kkal is magasabb lehet, mint novemberben volt.<\/p>\n","protected":false},"author":1001006,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/138777"}],"collection":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/users\/1001006"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=138777"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/138777\/revisions"}],"predecessor-version":[{"id":138780,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/138777\/revisions\/138780"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=138777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=138777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=138777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}