{"id":97908,"date":"2017-09-19T13:24:47","date_gmt":"2017-09-19T11:24:47","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=97908"},"modified":"2017-09-19T13:24:47","modified_gmt":"2017-09-19T11:24:47","slug":"mnb-az-unicredit-bank-is-kinalhat-minositett-fogyasztobarat-lakashiteleket","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/mnb-az-unicredit-bank-is-kinalhat-minositett-fogyasztobarat-lakashiteleket\/","title":{"rendered":"MNB: az UniCredit Bank is k\u00edn\u00e1lhat min\u0151s\u00edtett fogyaszt\u00f3bar\u00e1t lak\u00e1shiteleket"},"content":{"rendered":"<p><strong>Az UniCredit Bank is k\u00edn\u00e1lhat min\u0151s\u00edtett fogyaszt\u00f3bar\u00e1t lak\u00e1shiteleket, a min\u0151s\u00edtett term\u00e9kek forgalmaz\u00e1s\u00e1t a hitelint\u00e9zet ak\u00e1r azonnal megkezdheti &#8211; k\u00f6z\u00f6lte a Magyar Nemzeti Bank (MNB) kedden az MTI-vel.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p>    Az MNB P\u00e9nz\u00fcgyi Stabilit\u00e1si Tan\u00e1csa a min\u0151s\u00edt\u00e9si keretrendszer megalkot\u00e1s\u00e1val sztenderdiz\u00e1lt, egyszer\u0171en \u00f6sszehasonl\u00edthat\u00f3 \u00e9s fogyaszt\u00f3bar\u00e1t jellemz\u0151kkel b\u00edr\u00f3 lak\u00e1shitel-term\u00e9k elterjeszt\u00e9s\u00e9t t\u0171zte ki c\u00e9lul.<br \/>\n    Az MNB a piaci szerepl\u0151kkel \u00e9s a fogyaszt\u00f3k k\u00e9pvisel\u0151ivel folytatott  konzult\u00e1ci\u00f3 eredm\u00e9nyek\u00e9nt a min\u0151s\u00edt\u00e9s koncepci\u00f3j\u00e1t \u00e9s a hozz\u00e1 kapcsol\u00f3d\u00f3 p\u00e1ly\u00e1zati ki\u00edr\u00e1st \u00fagy alak\u00edtotta ki, hogy a fogyaszt\u00f3i ig\u00e9nyeket min\u00e9l ink\u00e1bb kiel\u00e9g\u00edt\u0151, a piaci versenyt er\u0151s\u00edt\u0151 \u00e9s a hitelkiv\u00e1lt\u00e1sokat \u00f6szt\u00f6nz\u0151 term\u00e9kek forgalmaz\u00e1sa indulhasson meg. A 2017. m\u00e1jus 19-\u00e9n k\u00f6zz\u00e9tett p\u00e1ly\u00e1zati felt\u00e9telek alapj\u00e1n a min\u0151s\u00edt\u00e9s elnyer\u00e9s\u00e9re j\u00fanius 1-j\u00e9t\u0151l p\u00e1ly\u00e1zhatnak a hitelint\u00e9zetek.<br \/>\n    Kor\u00e1bban a CIB Bank, a Raiffeisen Bank, az MKB, a K&#038;H, az FHB, az Erste, illetve 48 takar\u00e9ksz\u00f6vetkezet, a Pannon Takar\u00e9k Bank \u00e9s a Moh\u00e1csi Takar\u00e9k Bank m\u00e1r elnyerte a jogot az MNB-t\u0151l a fogyaszt\u00f3bar\u00e1t lak\u00e1shitelek foly\u00f3s\u00edt\u00e1s\u00e1ra.<br \/>\n    A stabilit\u00e1si tan\u00e1cs &#8211; a p\u00e9nzint\u00e9zetekkel konzult\u00e1lva &#8211; m\u00e1jus k\u00f6zep\u00e9n hat\u00e1rozta meg a min\u0151s\u00edtett fogyaszt\u00f3bar\u00e1t lak\u00e1shitelek f\u0151bb jellemz\u0151it. A hitelek kamatfel\u00e1ra nem haladhatja meg a 350 b\u00e1zispontot, a foly\u00f3s\u00edt\u00e1si d\u00edj legfeljebb a hitel\u00f6sszeg 0,75 sz\u00e1zal\u00e9ka, de maximum 150 ezer forint lehet. Az el\u0151t\u00f6rleszt\u00e9si d\u00edj nem haladhatja meg az el\u0151t\u00f6rlesztett \u00f6sszeg 1 sz\u00e1zal\u00e9k\u00e1t, a lak\u00e1stakar\u00e9k-p\u00e9nzt\u00e1ri bet\u00e9tb\u0151l pedig az el\u0151t\u00f6rleszt\u00e9s a szerz\u0151d\u00e9s szerint el\u00e9rhet\u0151 megtakar\u00edt\u00e1s \u00e9s a hozz\u00e1 kapcsol\u00f3d\u00f3 \u00e1llami t\u00e1mogat\u00e1s m\u00e9rt\u00e9k\u00e9ig d\u00edjmentes. A hitelb\u00edr\u00e1lat hat\u00e1rideje az \u00e9rt\u00e9kbecsl\u00e9s rendelkez\u00e9sre \u00e1ll\u00e1s\u00e1t k\u00f6vet\u0151en 15 munkanap.(MTI)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az UniCredit Bank is k\u00edn\u00e1lhat min\u0151s\u00edtett fogyaszt\u00f3bar\u00e1t lak\u00e1shiteleket, a min\u0151s\u00edtett term\u00e9kek forgalmaz\u00e1s\u00e1t a hitelint\u00e9zet ak\u00e1r azonnal megkezdheti &#8211; k\u00f6z\u00f6lte a Magyar Nemzeti Bank (MNB) kedden az MTI-vel.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","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\/97908"}],"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=97908"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/97908\/revisions"}],"predecessor-version":[{"id":97909,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/97908\/revisions\/97909"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=97908"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=97908"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=97908"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}