{"id":139130,"date":"2022-01-05T17:35:28","date_gmt":"2022-01-05T16:35:28","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=139130"},"modified":"2022-01-05T17:35:28","modified_gmt":"2022-01-05T16:35:28","slug":"2022-ev-eleje-is-kamatemelest-hozott-a-lakashiteleknel","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/2022-ev-eleje-is-kamatemelest-hozott-a-lakashiteleknel\/","title":{"rendered":"2022. \u00e9v eleje is kamatemel\u00e9st hozott a lak\u00e1shitelekn\u00e9l"},"content":{"rendered":"<p><strong>2022 janu\u00e1r els\u0151 napjaiban 3 nagybank is megemelte \u00faj lak\u00e1shitel\u00e9nek kamat\u00e1t, ezzel tov\u00e1bb folytat\u00f3dott a lak\u00e1sk\u00f6lcs\u00f6n\u00f6k dr\u00e1gul\u00e1sa. A h\u00e1rom \u00e9rintett p\u00e9nzint\u00e9zetn\u00e9l 0,3-0,5 sz\u00e1zal\u00e9kponttal emelkedett a legn\u00e9pszer\u0171bb 10 \u00e9ves kamatperi\u00f3dus\u00fa k\u00f6lcs\u00f6n THM \u00e9rt\u00e9ke. Az eddigi kamatemel\u00e9sek hat\u00e1s\u00e1t nagyon j\u00f3l mutatja, ha az id\u00e9n janu\u00e1ri \u00e9s a tavaly \u00e9v eleji aj\u00e1nlatokat \u00f6sszevetj\u00fck. Egy \u00faj, 20 milli\u00f3 forint \u00f6sszeg\u0171 hitelre 3,3 milli\u00f3 forinttal kell t\u00f6bbet fizetni, az\u00e9rt, mert id\u00e9n \u00e9s nem 2021. \u00e9v elej\u00e9n ig\u00e9nyelt\u00e9k azt.<\/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>\nA magas infl\u00e1ci\u00f3 miatt a jegybank kamatemel\u00e9si ciklusba kezdett, <strong>az ir\u00e1nyad\u00f3 kamatokat 0,6 sz\u00e1zal\u00e9kr\u00f3l 4 sz\u00e1zal\u00e9kra emelte<\/strong>. Ez pedig maga ut\u00e1n vonta a <a href=\"https:\/\/bankmonitor.hu\/lakashitel-kalkulator\/\" target=\"_blank\" rel=\"noopener\">jelz\u00e1loghitelek<\/a> \u00a0kamatemelked\u00e9s\u00e9t is. A kereskedelmi bankok egyre dr\u00e1g\u00e1bban k\u00edn\u00e1lnak lak\u00e1shitelt az \u00e9rdekl\u0151d\u0151k sz\u00e1m\u00e1ra.<\/p>\n<p><strong>3 nagybank is hitelkamatot emelet 2022. elej\u00e9n<\/strong><\/p>\n<p>A kamatemel\u00e9s folyamata sajnos nem \u00e1llt meg 2021-ben: a CIB Bank, az OTP Bank \u00e9s a Raiffeisen Bank is \u00fagy d\u00f6nt\u00f6tt, hogy 2022. janu\u00e1rj\u00e1t kamatemel\u00e9ssel ind\u00edtja. Ennek k\u00f6vetkezt\u00e9ben a legn\u00e9pszer\u0171bb, 10 \u00e9ves kamatperi\u00f3dus\u00fa <strong>lak\u00e1sk\u00f6lcs\u00f6n\u00f6k THM \u00e9rt\u00e9ke 0,3-0,5 sz\u00e1zal\u00e9kponttal emelkedett<\/strong>.<a href=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2022\/01\/Kamatemeles-2022-ev-elejere.jpg\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2022\/01\/Kamatemeles-2022-ev-elejere.jpg\" alt=\"\" width=\"643\" height=\"565\" class=\"aligncenter size-full wp-image-139131\" srcset=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2022\/01\/Kamatemeles-2022-ev-elejere.jpg 643w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2022\/01\/Kamatemeles-2022-ev-elejere-300x264.jpg 300w\" sizes=\"(max-width: 643px) 100vw, 643px\" \/><\/a><\/p><div id=\"gazda-2661704194\" 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>A kamatemel\u00e9s miatt egy id\u00e9n \u00e9v elej\u00e9n ig\u00e9nyelt 20 milli\u00f3 forint \u00f6sszeg\u0171, 20 \u00e9ves futamidej\u0171 lak\u00e1shitel havi <strong>t\u00f6rleszt\u0151r\u00e9szlete a h\u00e1rom \u00e9rintett p\u00e9nzint\u00e9zetn\u00e9l 3 500 &#8211; 6 700 forinttal magasabb<\/strong>, mintha a k\u00f6lcs\u00f6nt tavaly \u00e9v v\u00e9g\u00e9n vett\u00e9k volna fel.<\/p>\n<h2><strong>Egy \u00e9v alatt 15 ezer forintot emelkedhetett egy \u00faj k\u00f6lcs\u00f6n t\u00f6rleszt\u0151r\u00e9szlete<\/strong><\/h2>\n<p>A kamatemel\u00e9s hat\u00e1s\u00e1t tal\u00e1n m\u00e9g jobban szeml\u00e9lteti az, ha a jelenlegi \u00e9s a 2021. \u00e9v eleji aj\u00e1nlatokat hasonl\u00edtjuk \u00f6ssze. Gyakorlatilag az <strong>\u00f6sszes lak\u00e1shitel kamata emelkedett az elm\u00falt \u00e9vben<\/strong>. A legnagyobb m\u00e9rt\u00e9kben a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa konstrukci\u00f3k dr\u00e1gultak: az egy \u00e9ves kamatperi\u00f3dus\u00fa k\u00f6lcs\u00f6n\u00f6k THM \u00e9rt\u00e9ke a dupl\u00e1j\u00e1ra n\u0151tt egy \u00e9v alatt.<\/p>\n<p>A fix kamatoz\u00e1s\u00fa k\u00f6lcs\u00f6n\u00f6k dr\u00e1gultak a legkisebb m\u00e9rt\u00e9kben, ezen hitelek THM \u00e9rt\u00e9ke &#8222;csak&#8221; 0,47 sz\u00e1zal\u00e9kponttal emelkedett egy \u00e9v alatt.<\/p>\n<p>A jelenleg legn\u00e9pszer\u0171bb, 10 \u00e9ves kamatperi\u00f3dus\u00fa lak\u00e1sc\u00e9l\u00fa jelz\u00e1loghitelek \u00e9ves \u00e1tlagos k\u00f6lts\u00e9ge 1,32 sz\u00e1zal\u00e9kponttal emelkedett. Ez egy 20 milli\u00f3 forint \u00f6sszeg\u0171 k\u00f6lcs\u00f6n eset\u00e9ben <strong>15 ezer forint t\u00f6rleszt\u0151r\u00e9szlet-emelked\u00e9st jelentene<\/strong> 20 \u00e9ven kereszt\u00fcl. Vagyis 3,3 milli\u00f3 forintot sp\u00f3rolhatott valaki csak az\u00e9rt, mert egy \u00e9vvel kor\u00e1bban vette fel a k\u00f6lcs\u00f6n\u00e9t.<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>A <a href=\"https:\/\/bankmonitor.hu\" target=\"_blank\" rel=\"noopener\">Bankmonitor<\/a> \u00a0elemz\u0151i szerint a k\u00f6lcs\u00f6n\u00f6k dr\u00e1gul\u00e1s\u00e1nak azonban m\u00e9g kor\u00e1nt sincs v\u00e9ge, szakport\u00e1l v\u00e1rakoz\u00e1sa alapj\u00e1n a magas infl\u00e1ci\u00f3 miatt az ir\u00e1nyad\u00f3 kamatok tov\u00e1bbi emel\u00e9s\u00e9re lehet sz\u00e1m\u00edtani. \u00c9ppen ez\u00e9rt \u00e9rdemes <strong>a lak\u00e1sv\u00e1s\u00e1rl\u00e1s el\u0151tt \u00e1ll\u00f3knak min\u00e9l hamarabb d\u00f6nt\u00e9st hozni \u00e9s megig\u00e9nyelni a v\u00e1s\u00e1rl\u00e1shoz sz\u00fcks\u00e9ges lak\u00e1shitelt<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2022 janu\u00e1r els\u0151 napjaiban 3 nagybank is megemelte \u00faj lak\u00e1shitel\u00e9nek kamat\u00e1t, ezzel tov\u00e1bb folytat\u00f3dott a lak\u00e1sk\u00f6lcs\u00f6n\u00f6k dr\u00e1gul\u00e1sa. A h\u00e1rom \u00e9rintett p\u00e9nzint\u00e9zetn\u00e9l 0,3-0,5 sz\u00e1zal\u00e9kponttal emelkedett a legn\u00e9pszer\u0171bb 10 \u00e9ves kamatperi\u00f3dus\u00fa k\u00f6lcs\u00f6n THM \u00e9rt\u00e9ke. Az eddigi kamatemel\u00e9sek hat\u00e1s\u00e1t nagyon j\u00f3l mutatja, ha az id\u00e9n janu\u00e1ri \u00e9s a tavaly \u00e9v eleji aj\u00e1nlatokat \u00f6sszevetj\u00fck. Egy \u00faj, 20 milli\u00f3 forint &#8230;<\/p>\n","protected":false},"author":1001006,"featured_media":139131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,436],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/139130"}],"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=139130"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/139130\/revisions"}],"predecessor-version":[{"id":139132,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/139130\/revisions\/139132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media\/139131"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=139130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=139130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=139130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}