{"id":55323,"date":"2015-01-31T03:44:45","date_gmt":"2015-01-31T02:44:45","guid":{"rendered":"http:\/\/stockportal.hu\/?p=55323"},"modified":"2015-01-30T17:28:30","modified_gmt":"2015-01-30T16:28:30","slug":"a-kamattamogatasos-hitelekre-is-vonatkozik-a-fair-bankokrol-szolo-torveny","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/a-kamattamogatasos-hitelekre-is-vonatkozik-a-fair-bankokrol-szolo-torveny\/","title":{"rendered":"A kamatt\u00e1mogat\u00e1sos hitelekre is vonatkozik a fair bankokr\u00f3l sz\u00f3l\u00f3 t\u00f6rv\u00e9ny"},"content":{"rendered":"<p><strong>A j\u00f6v\u0151ben kisz\u00e1m\u00edthat\u00f3an v\u00e1ltoznak majd az \u00e1llami kamatt\u00e1mogat\u00e1st \u00e9lvez\u0151 hitelek kamatai is, amelyekre k\u00fcl\u00f6n jogszab\u00e1lyban meghat\u00e1rozott elt\u00e9r\u00e9sekkel vonatkoznak a fair bankokr\u00f3l sz\u00f3l\u00f3 t\u00f6rv\u00e9ny rendelkez\u00e9sei, mivel azokat speci\u00e1lis felt\u00e9telekkel ny\u00fajthatt\u00e1k, ny\u00fajthatj\u00e1k a hitelint\u00e9zetek &#8211; k\u00f6z\u00f6lte a Nemzetgazdas\u00e1gi Miniszt\u00e9rium (NGM) az MTI megkeres\u00e9s\u00e9re.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p>    Ilyen felt\u00e9tel t\u00f6bbek k\u00f6zt a t\u00e1mogatott k\u00f6lcs\u00f6n\u00f6k \u00e1raz\u00e1s\u00e1n\u00e1l \u00e9rv\u00e9nyes\u00fcl\u0151, a meghat\u00e1rozott \u00e1llampap\u00edrhozamhoz igazod\u00f3 kamatplafon alkalmaz\u00e1s\u00e1nak k\u00f6vetelm\u00e9nye is.  Az \u00fcgyf\u00e9l a kamatt\u00e1mogat\u00e1ssal cs\u00f6kkentett \u00fcgyleti kamatot fizeti meg.<br \/>\n    A t\u00e1mogatott k\u00f6lcs\u00f6n\u00f6k eset\u00e9n a kamatperi\u00f3dus lej\u00e1rtakor a hitelint\u00e9zetek egyoldal\u00fa kamatm\u00f3dos\u00edt\u00e1sa helyett a jogszab\u00e1lyban r\u00f6gz\u00edtett automatizmus alapj\u00e1n v\u00e1ltozik a kamat. Az &#8222;igazod\u00e1si pont&#8221; a jogszab\u00e1ly szerinti kamatplafon.<br \/>\n    A k\u00f6zlem\u00e9ny szerint, ha a t\u00e9nylegesen alkalmazott \u00fcgyleti kamat (ide\u00e9rtve a k\u00f6lcs\u00f6n egy\u00e9b k\u00f6lts\u00e9geit \u00e9s ellenszolg\u00e1ltat\u00e1sait is) 2014. december 31-\u00e9n alacsonyabb volt a kamatplafonn\u00e1l, akkor a k\u00f6vetkez\u0151 kamatm\u00f3dos\u00edt\u00e1sn\u00e1l az \u00faj \u00fcgyleti kamat megegyezik az akkor \u00e9rv\u00e9nyes kamatplafon \u00e9s a 2014. december 31-\u00e9n fenn\u00e1ll\u00f3 kamatk\u00fcl\u00f6nb\u00f6zet k\u00fcl\u00f6nbs\u00e9g\u00e9vel.<br \/>\n    \u00cdgy a referenciakamathoz nem k\u00f6t\u00f6tt t\u00e1mogatott k\u00f6lcs\u00f6n\u00f6k is k\u00f6vetik a jogszab\u00e1lyi kamatplafon (tulajdonk\u00e9ppen az \u00e1llampap\u00edrhozamok) v\u00e1ltoz\u00e1s\u00e1t a 2014. december 31-\u00e9n fenn\u00e1ll\u00f3 kamatplafonhoz viszony\u00edtott k\u00fcl\u00f6nb\u00f6zet , a &#8222;negat\u00edv kamatfel\u00e1r&#8221;  megtart\u00e1s\u00e1val. Az \u00faj szab\u00e1lyoz\u00e1s biztos\u00edtja, hogy a k\u00f6lcs\u00f6n \u00fcgyleti kamata \u00e1tl\u00e1that\u00f3 m\u00f3don v\u00e1ltozik, kisz\u00e1m\u00edthat\u00f3 felt\u00e9teleket teremtve mind az \u00fcgyfelek, mind a hitelint\u00e9zetek sz\u00e1m\u00e1ra.(MTI)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A j\u00f6v\u0151ben kisz\u00e1m\u00edthat\u00f3an v\u00e1ltoznak majd az \u00e1llami kamatt\u00e1mogat\u00e1st \u00e9lvez\u0151 hitelek kamatai is, amelyekre k\u00fcl\u00f6n jogszab\u00e1lyban meghat\u00e1rozott elt\u00e9r\u00e9sekkel vonatkoznak a fair bankokr\u00f3l sz\u00f3l\u00f3 t\u00f6rv\u00e9ny rendelkez\u00e9sei, mivel azokat speci\u00e1lis felt\u00e9telekkel ny\u00fajthatt\u00e1k, ny\u00fajthatj\u00e1k a hitelint\u00e9zetek &#8211; k\u00f6z\u00f6lte a Nemzetgazdas\u00e1gi Miniszt\u00e9rium (NGM) az MTI megkeres\u00e9s\u00e9re.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/55323"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=55323"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/55323\/revisions"}],"predecessor-version":[{"id":55324,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/55323\/revisions\/55324"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=55323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=55323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=55323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}