{"id":144526,"date":"2023-10-09T15:06:03","date_gmt":"2023-10-09T13:06:03","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=144526"},"modified":"2023-10-09T15:06:03","modified_gmt":"2023-10-09T13:06:03","slug":"kh-elindultak-a-thm-plafonos-lakashitelek-es-alacsony-kamatozasu-vallalati-kolcsonok","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/kh-elindultak-a-thm-plafonos-lakashitelek-es-alacsony-kamatozasu-vallalati-kolcsonok\/","title":{"rendered":"K&#038;H: elindultak a \u201cthm-plafonos\u201d lak\u00e1shitelek \u00e9s alacsony kamatoz\u00e1s\u00fa v\u00e1llalati k\u00f6lcs\u00f6n\u00f6k"},"content":{"rendered":"<p><strong>H\u00e9tf\u0151t\u0151l a K&amp;H \u00e1talak\u00edtotta a teljes lak\u00e1shitel-k\u00edn\u00e1lat\u00e1t \u00e9s bevezette a \u201cthm- \u00e9s kamatplafonos\u201d lakoss\u00e1gi \u00e9s v\u00e1llalati k\u00f6lcs\u00f6n\u00f6ket &#8211; igaz, a p\u00e9nzint\u00e9zet k\u00edn\u00e1lat\u00e1ban m\u00e1r eddig is el\u00e9rhet\u0151ek voltak a 8,5 sz\u00e1zal\u00e9kn\u00e1l alacsonyabb teljes hiteld\u00edjmutat\u00f3val el\u00e9rhet\u0151 lak\u00e1shitelek. Egy 10 \u00e9ves kamatr\u00f6gz\u00edt\u00e9s\u0171, egyben 10 \u00e9ves futamidej\u0171 12 milli\u00f3 forintos lak\u00e1shitel eset\u00e9ben \u00edgy a t\u00f6rleszt\u0151r\u00e9szlet kevesebb mint 146 ezer forint lesz.<\/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>\u00c1talak\u00edtja a v\u00e1llalkoz\u00e1soknak \u00e9s a lakoss\u00e1gnak k\u00edn\u00e1lt hitelk\u00edn\u00e1lat\u00e1t mostant\u00f3l a K&amp;H, hogy ezzel is seg\u00edtse a hitelpiac \u00e9l\u00e9nk\u00edt\u00e9s\u00e9t \u00e9s a gazdas\u00e1g felp\u00f6rget\u00e9s\u00e9t. Ennek keret\u00e9ben a lak\u00e1shitelekn\u00e9l 8,5 sz\u00e1zal\u00e9kos lesz a maxim\u00e1lis teljes hiteld\u00edjmutat\u00f3, a v\u00e1llalati hitelekn\u00e9l pedig el\u00e9rhet\u0151 legfeljebb 12 sz\u00e1zal\u00e9k lesz a kamat.<\/p>\n<p><strong>mennyi a t\u00f6rleszt\u0151 egy thm-plafonos lak\u00e1shiteln\u00e9l?<\/strong><\/p><div id=\"gazda-2879373602\" 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>\u201cA K&amp;H-n\u00e1l az elm\u00falt h\u00f3napokban foly\u00f3s\u00edtott lak\u00e1shitelek t\u00f6bbs\u00e9g\u00e9nek teljes hiteld\u00edjmutat\u00f3ja elmaradt a 8,5 sz\u00e1zal\u00e9kos szintt\u0151l, mostant\u00f3l pedig mindegyik k\u00f6lcs\u00f6n teljes\u00edti ezt a krit\u00e9riumot &#8211; mondta\u00a0<strong>Moln\u00e1r Gerg\u0151, a K&amp;H lakoss\u00e1gi marketing vezet\u0151je<\/strong>, aki hozz\u00e1tette, a p\u00e9nzint\u00e9zet er\u0151s poz\u00edci\u00f3kkal rendelkezik a lak\u00e1shitelpiacon, jelenleg minden hatodik \u00faj lak\u00e1shitelt a K&amp;H foly\u00f3s\u00edt a lakoss\u00e1gnak.<\/p>\n<p>A mostani l\u00e9p\u00e9s eredm\u00e9nyek\u00e9nt p\u00e9ld\u00e1ul a 10 \u00e9ves kamatr\u00f6gz\u00edt\u00e9s\u0171 \u00e9s 10 \u00e9ves lak\u00e1shitelek kamata 8 sz\u00e1zal\u00e9kos lesz. Egy 8 milli\u00f3 forintos hitel\u00f6sszeg eset\u00e9ben \u00edgy a t\u00f6rleszt\u0151r\u00e9szlet 97 ezer forint lesz. Azonos kamatfix\u00e1l\u00e1s \u00e9s futamid\u0151 mellett egy 12 milli\u00f3 forintos lak\u00e1shiteln\u00e9l kevesebb mint 146 ezer forint lesz ugyanez. Ha pedig ezekkel a felt\u00e9telekkel 20 milli\u00f3 forintot ig\u00e9nyel &#8211; \u00e9s pozit\u00edv eredm\u00e9nnyel z\u00e1rult a hitelelb\u00edr\u00e1l\u00e1s &#8211; akkor 243 ezer forintn\u00e1l valamivel kevesebb lesz a t\u00f6rleszt\u0151r\u00e9szlet.<\/p>\n<p><strong>v\u00e1llalati hitelek ak\u00e1r 12 sz\u00e1zal\u00e9kn\u00e1l olcs\u00f3bban<\/strong><\/p>\n<p>A most megsz\u00fcletett d\u00f6nt\u00e9s a v\u00e1llalkoz\u00f3i forg\u00f3eszk\u00f6zhitelekre is vonatkozik. Ebben az esetben nem a thm, hanem az \u00faj k\u00f6lcs\u00f6n\u00f6kre vonatkoz\u00f3 kamat van maximaliz\u00e1lva, m\u00e9gpedig el\u00e9rhet\u0151 12 sz\u00e1zal\u00e9kos szinten.<\/p>\n<p>\u201cEz kedvez\u0151 kamatnak mondhat\u00f3 a mostani k\u00f6rnyezetben, de vannak emellett t\u00e1mogatott, m\u00e1s kedvezm\u00e9nyes megold\u00e1sok is az \u00fczleti szf\u00e9ra szerepl\u0151i sz\u00e1m\u00e1ra\u201d &#8211; k\u00f6z\u00f6lte Moln\u00e1r Gerg\u0151. A Sz\u00e9chenyi K\u00e1rtya Program keret\u00e9ben el\u00e9rhet\u0151 v\u00e1llalati forg\u00f3eszk\u00f6zhitel-<wbr \/>konstrukci\u00f3kn\u00e1l a kamatszint p\u00e9ld\u00e1ul 5 sz\u00e1zal\u00e9kos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u00e9tf\u0151t\u0151l a K&amp;H \u00e1talak\u00edtotta a teljes lak\u00e1shitel-k\u00edn\u00e1lat\u00e1t \u00e9s bevezette a \u201cthm- \u00e9s kamatplafonos\u201d lakoss\u00e1gi \u00e9s v\u00e1llalati k\u00f6lcs\u00f6n\u00f6ket &#8211; igaz, a p\u00e9nzint\u00e9zet k\u00edn\u00e1lat\u00e1ban m\u00e1r eddig is el\u00e9rhet\u0151ek voltak a 8,5 sz\u00e1zal\u00e9kn\u00e1l alacsonyabb teljes hiteld\u00edjmutat\u00f3val el\u00e9rhet\u0151 lak\u00e1shitelek. Egy 10 \u00e9ves kamatr\u00f6gz\u00edt\u00e9s\u0171, egyben 10 \u00e9ves futamidej\u0171 12 milli\u00f3 forintos lak\u00e1shitel eset\u00e9ben \u00edgy a t\u00f6rleszt\u0151r\u00e9szlet kevesebb mint 146 ezer &#8230;<\/p>\n","protected":false},"author":1001010,"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\/144526"}],"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\/1001010"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=144526"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/144526\/revisions"}],"predecessor-version":[{"id":144527,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/144526\/revisions\/144527"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=144526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=144526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=144526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}