{"id":149727,"date":"2025-06-02T09:14:28","date_gmt":"2025-06-02T08:14:28","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=149727"},"modified":"2025-06-02T09:14:28","modified_gmt":"2025-06-02T08:14:28","slug":"nem-valtoztak-juniusban-a-lakashitel-kamatok-de-magasabb-lett-az-indulo-koltseg-nehany-banknal","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/nem-valtoztak-juniusban-a-lakashitel-kamatok-de-magasabb-lett-az-indulo-koltseg-nehany-banknal\/","title":{"rendered":"Nem v\u00e1ltoztak j\u00faniusban a lak\u00e1shitel kamatok, de magasabb lett az indul\u00f3 k\u00f6lts\u00e9g n\u00e9h\u00e1ny bankn\u00e1l"},"content":{"rendered":"<div class=\"main_wrapper3\">\n<div class=\"leadtext\">\n<p><strong><a href=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-145781\" src=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280-300x177.jpg\" alt=\"lak\u00e1sbiztos\u00edt\u00e1s lak\u00e1shitel\" width=\"300\" height=\"177\" srcset=\"https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280-300x177.jpg 300w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280-1024x603.jpg 1024w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280-768x452.jpg 768w, https:\/\/gazdasagportal.hu\/wp-content\/uploads\/2024\/04\/calculator-385506_1280.jpg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Nem v\u00e1ltoztattak lak\u00e1shiteleik kamat\u00e1n a magyar bankok j\u00faniusban, \u00e1m az indul\u00f3 k\u00f6lts\u00e9gek k\u00e9t hitelint\u00e9zetn\u00e9l is dr\u00e1gultak j\u00faniust\u00f3l. V\u00e1ltozatlan kamatszintek mellett \u00e9rdemes az ig\u00e9nyl\u0151knek az indul\u00f3 k\u00f6lts\u00e9geket is figyelembe venni a lak\u00e1shitel kiv\u00e1laszt\u00e1sakor, mert az \u00e9rt\u00e9kbecsl\u00e9si, a k\u00f6zjegyz\u0151i \u00e9s a foly\u00f3s\u00edt\u00e1si d\u00edj esetleges elenged\u00e9se ak\u00e1r 100 ezer forintot meghalad\u00f3 \u00f6sszeg\u0171 kedvezm\u00e9nyt is jelenthet &#8211; figyelmeztet F\u00fcl\u00f6p Norbert Attila, a BiztosD\u00f6nt\u00e9s.hu szakport\u00e1l p\u00e9nz\u00fcgyi szak\u00e9rt\u0151je.\u00a0<\/strong><\/p>\n<\/div>\n<\/div>\n<p><!--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<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Nem v\u00e1ltoztak a lak\u00e1shitel kamatok j\u00faniusban, ami azt jelenti, hogy egy 20 milli\u00f3 forint \u00f6sszeg\u0171, 20 \u00e9ves futamidej\u0171 lak\u00e1shitel kamata\u00a0<b>tov\u00e1bbra is 6,18 \u00e9s 7,99% k\u00f6z\u00f6tt lehet a v\u00e1lasztott bankt\u00f3l f\u00fcgg\u0151en,\u00a0<\/b>amennyiben 600 ezer forint nett\u00f3 j\u00f6vedelmet igazol az ig\u00e9nyl\u0151. Ez a BiztosD\u00f6nt\u00e9s.hu p\u00e9nz\u00fcgyi szakport\u00e1l\u00a0<a href=\"https:\/\/biztosdontes.hu\/lakashitel-kalkulator\" target=\"_blank\" rel=\"noopener\">kalkul\u00e1tora<\/a>\u00a0szerint havi 146 370 \u00e9s 168 547 forint k\u00f6z\u00f6tti havi t\u00f6rleszt\u0151ket jelent, ami 5,3 milli\u00f3 forint k\u00fcl\u00f6nbs\u00e9g a teljes futamid\u0151 alatt.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>F\u00fcl\u00f6p Norbert Attila, a BiztosD\u00f6nt\u00e9s.hu p\u00e9nz\u00fcgyi szak\u00e9rt\u0151je szerint azonban nem csak a kamatokat, hanem az indul\u00f3 k\u00f6lts\u00e9geket is \u00e9rdemes ellen\u0151rizni a hitel kiv\u00e1laszt\u00e1sakor. Az \u00e9rt\u00e9kbecsl\u00e9si \u00e9s a k\u00f6zjegyz\u0151i d\u00edj, a foly\u00f3s\u00edt\u00e1si jutal\u00e9k, az elad\u00f3 sz\u00e1ml\u00e1j\u00e1ra t\u00f6rt\u00e9n\u0151 utal\u00e1s, a tulajdoni lap lek\u00e9r\u00e9s\u00e9nek \u00e9s a jelz\u00e1logjog bejegyz\u00e9s\u00e9nek k\u00f6lts\u00e9ge ugyanis \u00f6sszess\u00e9g\u00e9ben ak\u00e1r t\u00f6bb sz\u00e1z ezer forint kiad\u00e1s is lehet. Ezek k\u00f6lts\u00e9ge bankonk\u00e9nt elt\u00e9r\u0151, illetve egy r\u00e9sz\u00fcket akci\u00f3san elengedik vagy ut\u00f3lag visszat\u00e9r\u00edtik.<\/p><div id=\"gazda-20519950\" 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<\/div>\n<\/div>\n<div class=\"block block_spacer\"><\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"ket-bank-is-dragitotta-az-ertekbecslest-juniusban\">K\u00e9t bank is dr\u00e1g\u00edtotta az \u00e9rt\u00e9kbecsl\u00e9st j\u00faniusban<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p><b>A CIB Bank<\/b>\u00a02025. j\u00fanius 1-t\u0151l 56 ezer forintr\u00f3l 65 ezer forintra emelte a\u00a0<a href=\"https:\/\/biztosdontes.hu\/csok-plusz\" target=\"_blank\" rel=\"noopener\">CSOK Plusz<\/a>\u00a0hitelhez kapcsol\u00f3d\u00f3 \u00e9rt\u00e9kbecsl\u00e9s d\u00edj\u00e1t az \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1ra vonatkoz\u00f3an.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p><b>Erste Bank<\/b>\u00a0ugyancsak j\u00faniust\u00f3l megemelte a jelz\u00e1loghitelekhez kapcsol\u00f3d\u00f3 \u00e9rt\u00e9kbecsl\u00e9sek d\u00edj\u00e1t, illetve \u00faj \u00e9rt\u00e9kbecsl\u00e9si kateg\u00f3ri\u00e1kat is bevezetett, \u00edgy m\u00e1s lett a k\u00f6lts\u00e9g lak\u00e1s, illetve lak\u00f3h\u00e1z eset\u00e9n. Az eddig &#8222;Lak\u00f3ingatlan, \u00fcres \u00e9p\u00edt\u00e9si telek \u00e9rt\u00e9kbecsl\u00e9se&#8221; szolg\u00e1ltat\u00e1s &#8222;Lak\u00e1s, \u00fcres \u00e9p\u00edt\u00e9si telek \u00e9rt\u00e9kbecsl\u00e9se&#8221; n\u00e9ven \u00e9rhet\u0151 el mostant\u00f3l, aminek d\u00edja 46 ezer forintr\u00f3l 55 ezer forintra emelkedett, m\u00edg az \u00e9rt\u00e9kbecsl\u00e9s aktualiz\u00e1l\u00e1sa\u00a0<span class=\"nowrap\">27 500<\/span>\u00a0forintba ker\u00fcl. Egy lak\u00f3h\u00e1z \u00e9rt\u00e9kbecsl\u00e9se j\u00faniust\u00f3l\u00a0<span class=\"nowrap\">70 ezer<\/span>\u00a0forintba ker\u00fcl az Erst\u00e9n\u00e9l, m\u00edg ennek aktualiz\u00e1l\u00e1sa\u00a0<span class=\"nowrap\">35 ezer<\/span>\u00a0forint kiad\u00e1st jelent a hitelig\u00e9nyl\u0151nek. Az \u00e9rt\u00e9kbecsl\u00e9s \u00e9s m\u0171szaki szak\u00e9rt\u00e9s\u00a0<span class=\"nowrap\">62 ezer<\/span>\u00a0forintr\u00f3l\u00a0<span class=\"nowrap\">90 ezer<\/span>\u00a0forintra dr\u00e1gul, m\u00edg a m\u0171szaki szak\u00e9rt\u00e9s\u00e9rt \u00f6nmag\u00e1ban\u00a0<span class=\"nowrap\">29 ezer<\/span>\u00a0forint helyett\u00a0<span class=\"nowrap\">38 ezer\u00a0<\/span>forintot kell fizetni.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_spacer\"><\/div>\n<div class=\"block block_header\">\n<div class=\"main_wrapper3\">\n<h2 id=\"indulo-koltseg-akciok-juniusban\">Indul\u00f3 k\u00f6lts\u00e9g akci\u00f3k j\u00faniusban<\/h2>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A\u00a0<b>Gr\u00e1nit Bank\u00a0<\/b>a tulajdoni lap lek\u00e9r\u00e9s\u00e9nek\u00a0<span class=\"nowrap\">9 600<\/span>\u00a0forintos d\u00edj\u00e1t \u00e1tv\u00e1llalja az ig\u00e9nyl\u0151t\u0151l, valamint nem sz\u00e1m\u00edt fel foly\u00f3s\u00edt\u00e1si d\u00edjat, ami a hitel\u00f6sszeg 1%-a.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A\u00a0<b>MagNet Bank\u00a0<\/b>\u00e1tv\u00e1llalja a tulajdoni lap lek\u00e9r\u00e9s d\u00edj\u00e1t, a foly\u00f3s\u00edt\u00e1si d\u00edjat pedig elengedi.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az\u00a0<b>Erste Bank\u00a0<\/b>a tulajdoni lap lek\u00e9r\u00e9s\u00e9nek\u00a0<span class=\"nowrap\">9 600<\/span>\u00a0forintos d\u00edj\u00e1t v\u00e1llalja \u00e1t, valamint elengedi a foly\u00f3s\u00edt\u00e1si jutal\u00e9kot, illetve<span class=\"nowrap\">\u00a050 ezer<\/span>\u00a0forintig ut\u00f3lag visszat\u00e9r\u00edti a k\u00f6zjegyz\u0151i d\u00edjat is.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A\u00a0<b>Raiffeisen Bank<\/b>\u00a0\u00e1tv\u00e1llalja az \u00e9rt\u00e9kbecsl\u00e9snek, a tulajdoni lap lek\u00e9r\u00e9s\u00e9nek, a f\u00f6ldhivatali jelz\u00e1logjog bejegyz\u00e9s\u00e9nek \u00e9s a hitelb\u00edr\u00e1latnak a d\u00edj\u00e1t, valamint\u00a0<span class=\"nowrap\">50 ezer<\/span>\u00a0forint \u00f6sszeghat\u00e1rig a k\u00f6zjegyz\u0151i d\u00edjat is, amennyiben a hitel\u00f6sszeg legal\u00e1bb 5 milli\u00f3 forint, az ig\u00e9nyl\u00e9s pedig legk\u00e9s\u0151bb 2025. j\u00fanius 30-ig bead\u00e1sra ker\u00fclt.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>A\u00a0<b>K&amp;H Bank<\/b>\u00a0a tulajdoni lap lek\u00e9r\u00e9s d\u00edj\u00e1t (<span class=\"nowrap\">9 600<\/span>\u00a0forint) \u00e9s a foly\u00f3s\u00edt\u00e1si d\u00edjat engedi el, valamint ut\u00f3lag visszat\u00e9r\u00edt a k\u00f6zjegyz\u0151i d\u00edjb\u00f3l\u00a0<span class=\"nowrap\">45 720<\/span>\u00a0forintot.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az\u00a0<b>MBH Bank<\/b>\u00a0az \u00e9rt\u00e9kbecsl\u00e9si\u00a0<span class=\"nowrap\">52 578<\/span>\u00a0forintos d\u00edj\u00e1t a foly\u00f3s\u00edt\u00e1st k\u00f6vet\u0151en visszat\u00e9r\u00edti, valamint \u00e1tv\u00e1llalja a tulajdoni lap lek\u00e9r\u00e9s\u00e9nek d\u00edj\u00e1t (<span class=\"nowrap\">9 600<\/span>\u00a0forint) is.<\/p>\n<\/div>\n<\/div>\n<div class=\"block block_text text_content\">\n<div class=\"main_wrapper3\">\n<p>Az\u00a0<b>OTP Bank\u00a0<\/b>az \u00e9rt\u00e9kbecsl\u00e9s d\u00edj\u00e1b\u00f3l\u00a0<span class=\"nowrap\">23 765<\/span>\u00a0forintot \u00e1tv\u00e1llal, valamint nem sz\u00e1m\u00edt fel a foly\u00f3s\u00edt\u00e1si d\u00edjat.<\/p>\n<\/div>\n<\/div>\n<div class=\"main_wrapper3\">\n<div class=\"legal_details\">\n<p>A fenti cikkben szerepl\u0151 meg\u00e1llap\u00edt\u00e1sokat a Biztos D\u00f6nt\u00e9s Kft. a relev\u00e1ns t\u00e9nyek \u00e9s k\u00f6r\u00fclm\u00e9nyek lehet\u0151 leggondosabb szakmai \u00e9rt\u00e9kel\u00e9se alapj\u00e1n igyekezett megfogalmazni. Ebb\u0151l ad\u00f3d\u00f3an a fenti \u00edr\u00e1s nem t\u00e9nyk\u00f6zl\u00e9s, hanem a Biztos D\u00f6nt\u00e9s Kft. \u2013 megfontolt \u00e9s felv\u00e1llalt \u2013 szakmai v\u00e9lem\u00e9ny\u00e9t jelen\u00edti meg.<\/p>\n<h4>(Nem v\u00e1ltoztak j\u00faniusban a lak\u00e1shitel kamatok, de magasabb lett az indul\u00f3 k\u00f6lts\u00e9g n\u00e9h\u00e1ny bankn\u00e1l)<\/h4>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nem v\u00e1ltoztattak lak\u00e1shiteleik kamat\u00e1n a magyar bankok j\u00faniusban, \u00e1m az indul\u00f3 k\u00f6lts\u00e9gek k\u00e9t hitelint\u00e9zetn\u00e9l is dr\u00e1gultak j\u00faniust\u00f3l. V\u00e1ltozatlan kamatszintek mellett \u00e9rdemes az ig\u00e9nyl\u0151knek az indul\u00f3 k\u00f6lts\u00e9geket is figyelembe venni a lak\u00e1shitel kiv\u00e1laszt\u00e1sakor, mert az \u00e9rt\u00e9kbecsl\u00e9si, a k\u00f6zjegyz\u0151i \u00e9s a foly\u00f3s\u00edt\u00e1si d\u00edj esetleges elenged\u00e9se ak\u00e1r 100 ezer forintot meghalad\u00f3 \u00f6sszeg\u0171 kedvezm\u00e9nyt is jelenthet &#8211; figyelmeztet F\u00fcl\u00f6p &#8230;<\/p>\n","protected":false},"author":1001010,"featured_media":145781,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[436,19],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/149727"}],"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=149727"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/149727\/revisions"}],"predecessor-version":[{"id":149728,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/149727\/revisions\/149728"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media\/145781"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=149727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=149727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=149727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}