{"id":142094,"date":"2022-11-17T13:58:22","date_gmt":"2022-11-17T12:58:22","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=142094"},"modified":"2022-11-17T13:58:22","modified_gmt":"2022-11-17T12:58:22","slug":"bankmonitor-a-legnepszerubb-lakashitelek-atlagos-thm-erteke-atlepte-a-lelektani-10-szazalekos-hatart","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/bankmonitor-a-legnepszerubb-lakashitelek-atlagos-thm-erteke-atlepte-a-lelektani-10-szazalekos-hatart\/","title":{"rendered":"Bankmonitor: a legn\u00e9pszer\u0171bb lak\u00e1shitelek \u00e1tlagos THM \u00e9rt\u00e9ke \u00e1tl\u00e9pte a l\u00e9lektani 10 sz\u00e1zal\u00e9kos hat\u00e1rt"},"content":{"rendered":"<p><b>A futamid\u0151 v\u00e9g\u00e9ig fix kamatoz\u00e1s\u00fa lak\u00e1shitelek banki aj\u00e1nlatainak \u00e1tlagos k\u00f6lts\u00e9ge bel\u00e9pett a k\u00e9tsz\u00e1mjegy\u0171 tartom\u00e1nyba. A Bankmonitor szak\u00e9rt\u0151i szerint ezzel a jelz\u00e1loghitelek dr\u00e1gul\u00e1sa \u00fajabb szintet l\u00e9pett.<\/b><!--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><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/bankmonitor.hu\/lakashitel-kalkulator\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Bankmonitor lak\u00e1shitel kalkul\u00e1tor\u00e1ban<\/span><\/a><span style=\"font-weight: 400;\"> szerepl\u0151 h\u00e9t bank k\u00e9t \u00e9vtizeden \u00e1t fix kamatoz\u00e1s\u00fa jelz\u00e1loghitel aj\u00e1nlat\u00e1nak \u00e1tlagos THM (teljes hiteld\u00edj-mutat\u00f3) \u00e9rt\u00e9ke meghaladja a 10 sz\u00e1zal\u00e9kot. Vagyis a legn\u00e9pszer\u0171bb lak\u00e1shitelek \u00e9ves \u00e1tlagos k\u00f6lts\u00e9ge bel\u00e9pett a k\u00e9tsz\u00e1mjegy\u0171 tartom\u00e1nyba.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A szak\u00e9rt\u0151k a 20 milli\u00f3 forint \u00f6sszeg\u0171, 20 \u00e9ves futamidej\u0171, v\u00e9gig fix kamatoz\u00e1s\u00fa lak\u00e1shitel aj\u00e1nlatokat hasonl\u00edtott\u00e1k \u00f6ssze. A kalkul\u00e1ci\u00f3 sor\u00e1n abb\u00f3l indultak ki, hogy az ig\u00e9nyl\u0151 havi nett\u00f3 j\u00f6vedelme 500 ezer forint. A h\u00e9t banki aj\u00e1nlat teljes hiteld\u00edj-mutat\u00f3 \u00e9rt\u00e9k\u00e9nek \u00e1tlaga 10,04%.<\/span><\/p><div id=\"gazda-1123113665\" 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><span style=\"font-weight: 400;\">Egy \u00e9vvel ezel\u0151tt egy hasonl\u00f3 param\u00e9terekkel rendelkez\u0151 k\u00f6lcs\u00f6nn\u00e9l a banki aj\u00e1nlatok THM \u00e9rt\u00e9k\u00e9nek \u00e1tlaga csup\u00e1n 5,56% volt. Vagyis kijelenthet\u0151, hogy \u00e9rdemben dr\u00e1gultak a jelz\u00e1loghitelek az elm\u00falt id\u0151szakban.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Term\u00e9szetesen az egyes banki aj\u00e1nlatok jelent\u0151sen elt\u00e9rhetnek egym\u00e1st\u00f3l: a legkedvez\u0151bb konstrukci\u00f3 THM \u00e9rt\u00e9ke 8,70%, m\u00edg a legdr\u00e1g\u00e1bb k\u00f6lcs\u00f6n \u00e9ves \u00e1tlagos k\u00f6lts\u00e9ge 12,34%. A k\u00e9t konstrukci\u00f3 havi t\u00f6rleszt\u0151r\u00e9szlete k\u00f6z\u00f6tt 43 ezer forint a k\u00fcl\u00f6nbs\u00e9g, vagyis nagyon sok m\u00falik azon, hogy az ig\u00e9nyl\u0151k megtal\u00e1lj\u00e1k a sz\u00e1mukra legkedvez\u0151bb megold\u00e1st.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Az \u201e\u00e1tt\u00f6r\u00e9st\u201d a K&amp;H Bank november 16-ai kamatemel\u00e9se hozta el: egy 20 milli\u00f3 Ft \u00f6sszeg\u0171 K&amp;H lak\u00e1shitel kamata \u00edgy a Bankmonitor lak\u00e1shitel kalkul\u00e1tor alapj\u00e1n 10,35 sz\u00e1zal\u00e9kr\u00f3l 11,65 sz\u00e1zal\u00e9kra emelkedett.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A futamid\u0151 v\u00e9g\u00e9ig fix kamatoz\u00e1s\u00fa lak\u00e1shitelek banki aj\u00e1nlatainak \u00e1tlagos k\u00f6lts\u00e9ge bel\u00e9pett a k\u00e9tsz\u00e1mjegy\u0171 tartom\u00e1nyba. A Bankmonitor szak\u00e9rt\u0151i szerint ezzel a jelz\u00e1loghitelek dr\u00e1gul\u00e1sa \u00fajabb szintet l\u00e9pett.<\/p>\n","protected":false},"author":1001005,"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\/142094"}],"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\/1001005"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=142094"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/142094\/revisions"}],"predecessor-version":[{"id":142095,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/142094\/revisions\/142095"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=142094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=142094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=142094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}