{"id":154112,"date":"2026-10-21T16:25:50","date_gmt":"2026-10-21T14:25:50","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=154112"},"modified":"2026-10-21T16:25:50","modified_gmt":"2026-10-21T14:25:50","slug":"kikalkulaltak-forintra-ennyi-marad-a-wekerle-pluszban-az-otthon-start-elonyebol-a-piaci-hitelhez-kepest","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/kikalkulaltak-forintra-ennyi-marad-a-wekerle-pluszban-az-otthon-start-elonyebol-a-piaci-hitelhez-kepest\/","title":{"rendered":"Kikalkul\u00e1lt\u00e1k forintra: ennyi marad a Wekerle Pluszban az Otthon Start el\u0151ny\u00e9b\u0151l a piaci hitelhez k\u00e9pest"},"content":{"rendered":"<p dir=\"ltr\"><strong>B\u00e1r haszn\u00e1lt lak\u00e1sra 5 sz\u00e1zal\u00e9kos kamattal j\u00f6n a 2027-t\u0151l indul\u00f3 Wekerle Plusz hitel, aki jogosult r\u00e1, m\u00e9g \u00edgy is sokkal jobban j\u00e1r, mintha piaci kamatoz\u00e1s\u00fa lak\u00e1shitelt venne fel \u2013 der\u00fcl ki a BiztosD\u00f6nt\u00e9s.hu \u00faj Wekerle Plusz kalkul\u00e1tor\u00e1nak \u00f6sszehasonl\u00edt\u00e1s\u00e1b\u00f3l. Egy 50 milli\u00f3 forintos, 25 \u00e9ves hiteln\u00e9l havonta 35 ezer, a teljes futamid\u0151 alatt t\u00f6bb mint 10 milli\u00f3 forint a k\u00fcl\u00f6nbs\u00e9g. A megsz\u0171n\u0151 Otthon Starthoz k\u00e9pest viszont a piaci hitel m\u00e1r k\u00f6zel 26 milli\u00f3 forinttal dr\u00e1g\u00e1bb. \u00d6sszehasonl\u00edtottuk a h\u00e1rom hitelt.<\/strong><\/p>\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<p dir=\"ltr\">Az Otthon Startot 2027-t\u0151l felv\u00e1lt\u00f3 Wekerle Plusz hitel a bejelent\u00e9s szerint \u00faj lak\u00e1sra tov\u00e1bbra is fix 3, haszn\u00e1lt lak\u00e1sra viszont m\u00e1r csak fix 5 sz\u00e1zal\u00e9kos kamatot k\u00edn\u00e1l. Mivel a hazai lak\u00e1spiacon az ad\u00e1sv\u00e9telek d\u00f6nt\u0151 t\u00f6bbs\u00e9g\u00e9ben haszn\u00e1lt ingatlan cser\u00e9l gazd\u00e1t, a lehets\u00e9ges hitelfelvev\u0151k nagyobbr\u00e9szt a dr\u00e1g\u00e1bb v\u00e1ltozatot vehetik csak fel janu\u00e1rt\u00f3l. Aki 2027-ben m\u00e1r nem lesz jogosult a t\u00e1mogatott k\u00f6lcs\u00f6nre, p\u00e9ld\u00e1ul az\u00e9rt, mert elm\u00falt 41 \u00e9ves, annak pedig a piaci lak\u00e1shitel marad. A BiztosD\u00f6nt\u00e9s.hu adatai szerint ut\u00f3bbiak kamata az aktu\u00e1lis aj\u00e1nlatokban 5,99 \u00e9s 7,49 sz\u00e1zal\u00e9k k\u00f6z\u00f6tt mozog.<\/p>\n<p dir=\"ltr\">Az MNB legut\u00f3bbi k\u00f6zz\u00e9t\u00e9tele szerint a megk\u00f6t\u00f6tt lak\u00e1shitel-szerz\u0151d\u00e9sekben az \u00e1tlagos piaci hitelkamat 6,16 sz\u00e1zal\u00e9k volt. A BiztosD\u00f6nt\u00e9s.hu \u00faj <a href=\"https:\/\/biztosdontes.hu\/wekerle-plusz-hitel\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/biztosdontes.hu\/wekerle-plusz-hitel&amp;source=gmail&amp;ust=1792678854924000&amp;usg=AOvVaw2TLc-oX5l5RQEYYSDbzkip\">Wekerle Plusz hitelkalkul\u00e1tor\u00e1ban<\/a> ennek a t\u00f6rleszt\u0151r\u00e9szlet\u00e9t \u00e9s teljes visszafizetend\u0151 \u00f6sszeg\u00e9t lehet \u00f6sszevetni a 2027-t\u0151l haszn\u00e1lt lak\u00e1sra felvehet\u0151 \u00faj kedvezm\u00e9nyes k\u00f6lcs\u00f6nnel.<\/p><div id=\"gazda-3397770022\" 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<h2 dir=\"ltr\">Havonta k\u00f6zel 35 ezer forinttal olcs\u00f3bb a Wekerle Plusz a piaci hiteln\u00e9l<\/h2>\n<p dir=\"ltr\">Az \u00faj kalkul\u00e1tort haszn\u00e1l\u00f3 p\u00e9ldasz\u00e1m\u00edt\u00e1sb\u00f3l kider\u00fcl, mennyi a k\u00fcl\u00f6nbs\u00e9g a havi t\u00f6rleszt\u00e9sben \u00e9s a teljes hitelteherben a Wekerle Plusz, az Otthon Start \u00e9s a nem kedvezm\u00e9nyes lak\u00e1sk\u00f6lcs\u00f6n k\u00f6z\u00f6tt. A Wekerle Plusz maxim\u00e1lis hitel\u00f6sszeg\u00e9r\u0151l \u00e9s a futamidej\u00e9r\u0151l m\u00e9g nincs hivatalos inform\u00e1ci\u00f3, ez\u00e9rt sz\u00e1m\u00edt\u00e1s az Otthon Startn\u00e1l megismert szab\u00e1lyok alapj\u00e1n 50 milli\u00f3 forintot \u00e9s 25 \u00e9ves futamid\u0151t vett alapul. A <a href=\"https:\/\/biztosdontes.hu\/lakashitel-kalkulator\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/biztosdontes.hu\/lakashitel-kalkulator&amp;source=gmail&amp;ust=1792678854924000&amp;usg=AOvVaw0ctofG0Hj4pe9fa6r5nBYh\">piaci lak\u00e1shiteln\u00e9l<\/a> pedig 6,16 sz\u00e1zal\u00e9kos kamatot.<\/p>\n<p dir=\"ltr\"><img decoding=\"async\" loading=\"lazy\" class=\"CToWUd a6T\" tabindex=\"0\" src=\"https:\/\/mail.google.com\/mail\/u\/0?ui=2&amp;ik=6f3a14c329&amp;attid=0.1&amp;permmsgid=msg-f:1879656903736669268&amp;th=1a15e1febed5b454&amp;view=fimg&amp;fur=ip&amp;permmsgid=msg-f:1879656903736669268&amp;sz=s0-l75-ft&amp;attbid=ANGjdJ94AesOdRY498YOXuXAJJpzLzKJyBlwwhOah20r1spKLYXmHiFppFK7-cvNkJds8SFr6BeT5KETV1C0F26JJ1rUEinhkbti_MLC0lwWv2wmWB5JwP5w8Lr6o_A&amp;disp=emb&amp;realattid=ii_mvi046pe1&amp;zw\" alt=\"image.png\" width=\"503\" height=\"321\" data-image-whitelisted=\"\" data-bit=\"iit\" \/><\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Egy 50 milli\u00f3 forintos, 25 \u00e9ves hiteln\u00e9l a Wekerle Plusz 5 sz\u00e1zal\u00e9kos kamata mellett a havi t\u00f6rleszt\u0151 292 295 forint, a hitel teljes d\u00edja 37,7 milli\u00f3, a visszafizetend\u0151 \u00f6sszeg 87,7 milli\u00f3 forint.<\/p>\n<p dir=\"ltr\">Az \u00e1tlagos piaci aj\u00e1nlatn\u00e1l a havi r\u00e9szlet 327 059 forint, vagyis 34 764 forinttal, \u00e9vente mintegy 417 ezer forinttal t\u00f6bb. A piaci hitel teljes d\u00edja 48,1 milli\u00f3 forint, a visszafizetend\u0151 \u00f6sszeg 98,1 milli\u00f3 forint, ami 10,4 milli\u00f3 forinttal haladja meg a Wekerle Plusz\u00e9t.<\/p>\n<p dir=\"ltr\">A jelenleg m\u00e9g ig\u00e9nyelhet\u0151 <a href=\"https:\/\/biztosdontes.hu\/otthon-start-program-3-szazalekos-lakashitel\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/biztosdontes.hu\/otthon-start-program-3-szazalekos-lakashitel&amp;source=gmail&amp;ust=1792678854924000&amp;usg=AOvVaw3sXSQkTt5FaHKbsN-i_IE9\">Otthon Start hitellel<\/a> a havi t\u00f6rleszt\u0151 237 106 forint, a teljes visszafizetend\u0151 \u00f6sszeg 71,2 milli\u00f3 forint. Ez havonta 55 189 forinttal, \u00f6sszesen 16,6 milli\u00f3 forinttal kevesebb, mint a Wekerle Plusszal, a piaci hitelhez k\u00e9pest pedig havonta 89 953 forint, \u00f6sszesen k\u00f6zel 27 milli\u00f3 forint a megtakar\u00edt\u00e1s. Aki most m\u00e9g jogosult az Otthon Startra, annak teh\u00e1t k\u00fcl\u00f6n\u00f6sen meg\u00e9rheti m\u00e9g id\u00e9n elind\u00edtani az ig\u00e9nyl\u00e9st.<\/p>\n<div class=\"yj6qo\"><\/div>\n<div class=\"adL\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>B\u00e1r haszn\u00e1lt lak\u00e1sra 5 sz\u00e1zal\u00e9kos kamattal j\u00f6n a 2027-t\u0151l indul\u00f3 Wekerle Plusz hitel, aki jogosult r\u00e1, m\u00e9g \u00edgy is sokkal jobban j\u00e1r, mintha piaci kamatoz\u00e1s\u00fa lak\u00e1shitelt venne fel \u2013 der\u00fcl ki a BiztosD\u00f6nt\u00e9s.hu \u00faj Wekerle Plusz kalkul\u00e1tor\u00e1nak \u00f6sszehasonl\u00edt\u00e1s\u00e1b\u00f3l. Egy 50 milli\u00f3 forintos, 25 \u00e9ves hiteln\u00e9l havonta 35 ezer, a teljes futamid\u0151 alatt t\u00f6bb mint 10 &#8230;<\/p>\n","protected":false},"author":1001010,"featured_media":142715,"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\/154112"}],"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=154112"}],"version-history":[{"count":2,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/154112\/revisions"}],"predecessor-version":[{"id":154114,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/154112\/revisions\/154114"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media\/142715"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=154112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=154112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=154112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}