{"id":170363,"date":"2026-08-14T06:28:55","date_gmt":"2026-08-14T06:28:55","guid":{"rendered":"https:\/\/friss-hirek.hu\/index.php\/mi-tortenik-a-banki-kamatokkal-8-szazalekos-ajanlat-is-van-meg-a-piacon\/friss-hirek\/"},"modified":"2026-08-14T06:28:55","modified_gmt":"2026-08-14T06:28:55","slug":"mi-tortenik-a-banki-kamatokkal-8-szazalekos-ajanlat-is-van-meg-a-piacon","status":"publish","type":"post","link":"https:\/\/friss-hirek.hu\/index.php\/mi-tortenik-a-banki-kamatokkal-8-szazalekos-ajanlat-is-van-meg-a-piacon\/uzlet\/","title":{"rendered":"Mi t\u00f6rt\u00e9nik a banki kamatokkal? 8 sz\u00e1zal\u00e9kos aj\u00e1nlat is van m\u00e9g a piacon"},"content":{"rendered":"<p><strong>A kamatv\u00e1g\u00e1sok ut\u00e1n is lehet j\u00f3 re\u00e1lhozamot el\u00e9rni banki bet\u00e9teken, de az\u00e9rt vannak felt\u00e9telek. <\/strong><\/p><div id=\"friss-1247679889\" class=\"friss-etarget friss-entity-placement\"><script type=\"text\/javascript\" id=\"etargetScript7a9b589f63cb072bef80df221f46a22b\">function etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b(){var e=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",t=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",o=document.getElementById(e);if(o){for(var n=o.offsetTop,d=o.offsetLeft,r=o.offsetWidth,a=o.offsetHeight;o.offsetParent;)o=o.offsetParent,n+=o.offsetTop,d+=o.offsetLeft;var i=(n<=window.pageYOffset+window.innerHeight&&d<window.pageXOffset+window.innerWidth&&n+a>window.pageYOffset&&d+r>window.pageXOffset);if(i&&etargetAllowOtherCheck){allowed=!1;var c=document.createElement(\"script\");return c.src=\"\/\/hu.search.etargetnet.com\/generic\/uni.php?g=ref:58661,area:700x210\",void(document.getElementById(t)&&document.getElementById(e)&&(document.getElementById(t).parentNode.appendChild(c),document.getElementById(t).parentNode.removeChild(document.getElementById(t)),document.getElementById(e).parentNode.removeChild(document.getElementById(e)),document.removeEventListener(\"scroll\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.removeEventListener(\"resize\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.removeEventListener(\"DOMContentLoaded\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b)))}}}var etargetDivID=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",etargetScriptID=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",etargetPostloadPoint=document.createElement(\"div\");etargetPostloadPoint.id=etargetDivID;var etargetCurScript=document.getElementById(etargetScriptID);etargetCurScript.parentNode.appendChild(etargetPostloadPoint),document.addEventListener(\"scroll\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.addEventListener(\"resize\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.addEventListener(\"DOMContentLoaded\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b);var etargetAllowOtherCheck=!0;if(typeof(\"forceRunPostload\")==\"string\"){etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b()}<\/script><\/div>\n<p><strong>Mi t\u00f6rt\u00e9nt? <\/strong>A Bank360 <a href=\"https:\/\/bank360.hu\/blog\/meg-mindig-vannak-8-os-beteti-kamatok-a-piacon\">friss k\u00f6rk\u00e9pe<\/a> szerint a jegybanki <a href=\"https:\/\/www.forbes.hu\/uzlet\/aszaly-magyarorszag-energiakrizis-forint-hatas\/\">kamatcs\u00f6kkent\u00e9sek<\/a> ellen\u00e9re m\u00e9g mindig tal\u00e1lni ak\u00e1r 8 sz\u00e1zal\u00e9kos kamatot k\u00edn\u00e1l\u00f3 bankbet\u00e9teket a magyar piacon. A kiugr\u00f3 aj\u00e1nlatokn\u00e1l azonban a magas kamat szinte minden esetben valamilyen pluszfelt\u00e9telhez k\u00f6t\u00f6tt.<\/p>\n<p><strong>Alapkamat.<\/strong> A Magyar Nemzeti Bank id\u00e9n h\u00e1romszor cs\u00f6kkentette az alapkamatot, amely 6,50 sz\u00e1zal\u00e9kr\u00f3l 5,75 sz\u00e1zal\u00e9kra m\u00e9rs\u00e9kl\u0151d\u00f6tt. Ez id\u0151vel a bet\u00e9ti kamatokat is lefel\u00e9 h\u00fazhatja, egyel\u0151re azonban t\u00f6bb bank is 6\u20138 sz\u00e1zal\u00e9k k\u00f6z\u00f6tti aj\u00e1nlatokkal versenyez a megtakar\u00edt\u00f3k\u00e9rt.<\/p>\n<p><strong>Felt\u00e9telek<\/strong>. A legmagasabb, 8 sz\u00e1zal\u00e9kos kamatot jelenleg k\u00e9t konstrukci\u00f3 k\u00edn\u00e1lja. A Gr\u00e1nit Bank h\u00e1rom h\u00f3napos Hozamp\u00e1ros bet\u00e9tj\u00e9n\u00e9l a lek\u00f6t\u00f6tt \u00f6sszeggel megegyez\u0151 \u00e9rt\u00e9kben befektet\u00e9si jegyet is kell v\u00e1s\u00e1rolni. A K&amp;H mix megtakar\u00edt\u00e1s 180 napra szint\u00e9n 8 sz\u00e1zal\u00e9kot fizet, de itt is ugyanakkora \u00f6sszeget kell befektet\u00e9si term\u00e9kbe tenni, mint amennyit bet\u00e9tben helyez el az \u00fcgyf\u00e9l.<\/p>\n<p>A felt\u00e9telek n\u00e9lk\u00fcli vagy egyszer\u0171bb konstrukci\u00f3kn\u00e1l valamivel alacsonyabbak a kamatok. A CIB Tandem els\u0151 kamatperi\u00f3dusa 7 sz\u00e1zal\u00e9kot k\u00edn\u00e1l, de a p\u00e9nz legal\u00e1bb k\u00e9tharmad\u00e1t m\u00e1s befektet\u00e9si term\u00e9kben kell elhelyezni. A Gr\u00e1nit eBank bet\u00e9t h\u00e1rom h\u00f3napra szint\u00e9n 7 sz\u00e1zal\u00e9kot fizet \u00faj forr\u00e1sra, a K&amp;H rajt bet\u00e9t pedig 90 napra k\u00edn\u00e1l 7 sz\u00e1zal\u00e9kot legal\u00e1bb f\u00e9lmilli\u00f3 forint \u00faj p\u00e9nzre.<\/p>\n<p>A hosszabb t\u00e1v\u00fa aj\u00e1nlatok k\u00f6z\u00f6tt a Cofidis Bank h\u00e1rom\u00e9ves lek\u00f6t\u00e9se 6,25 sz\u00e1zal\u00e9kos \u00e9ves kamattal emelkedik ki, m\u00edg az OTP Pr\u00e9mium bet\u00e9t 5,25 sz\u00e1zal\u00e9kot fizet hat h\u00f3napra, t\u00f6bbek k\u00f6z\u00f6tt Pr\u00e9mium Next szolg\u00e1ltat\u00e1s megl\u00e9te mellett. <\/p>\n<p><strong>Re\u00e1lhozam<\/strong>. A jelenlegi 1,2 sz\u00e1zal\u00e9kos infl\u00e1ci\u00f3 mellett m\u00e9g az alacsonyabb kamatoz\u00e1s\u00fa konstrukci\u00f3k k\u00f6z\u00f6tt is t\u00f6bb olyan akad, amely \u00e9rdemi re\u00e1lhozamot k\u00edn\u00e1l.<\/p>\n<p>Az <a href=\"https:\/\/www.forbes.hu\/penz\/allampapir-bmap-vagasok-utan\/\">\u00e1llampap\u00edrok<\/a> tov\u00e1bbra is komoly alternat\u00edv\u00e1t jelentenek. A Magyar \u00c1llampap\u00edr Plusz 5\u20136 sz\u00e1zal\u00e9kos s\u00e1vos kamatot, a Fix Magyar \u00c1llampap\u00edr 5,5 sz\u00e1zal\u00e9kot, a B\u00f3nusz Magyar \u00c1llampap\u00edr pedig jelenleg 5,87 sz\u00e1zal\u00e9kot k\u00edn\u00e1l.<\/p>\n\n<p><!-- No email blocks found --><\/p>\n<p>The post <a href=\"https:\/\/www.forbes.hu\/penz\/banki-kamatok-allampapir-8-szazalek\/\">Mi t\u00f6rt\u00e9nik a banki kamatokkal? 8 sz\u00e1zal\u00e9kos aj\u00e1nlat is van m\u00e9g a piacon<\/a> appeared first on <a href=\"https:\/\/www.forbes.hu\/\">Forbes.hu<\/a>.<\/p><div id=\"friss-1904015987\" class=\"friss-etarget-cikk-vege friss-entity-placement\"><script type=\"text\/javascript\" id=\"etargetScript7a9b589f63cb072bef80df221f46a22b\">function etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b(){var e=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",t=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",o=document.getElementById(e);if(o){for(var 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id=\"friss-1662937867\" class=\"friss-after-content_3 friss-entity-placement\">https:\/\/www.youtube.com\/watch?v=Pdnw4KiUWp0<\/div>","protected":false},"excerpt":{"rendered":"<p>A kamatv\u00e1g\u00e1sok ut\u00e1n is lehet j\u00f3 re\u00e1lhozamot el\u00e9rni banki bet\u00e9teken, de az\u00e9rt vannak felt\u00e9telek. Mi t\u00f6rt\u00e9nt? A Bank360 friss k\u00f6rk\u00e9pe szerint a jegybanki kamatcs\u00f6kkent\u00e9sek ellen\u00e9re m\u00e9g mindig tal\u00e1lni ak\u00e1r 8 sz\u00e1zal\u00e9kos kamatot k\u00edn\u00e1l\u00f3 bankbet\u00e9teket a magyar piacon. A kiugr\u00f3 aj\u00e1nlatokn\u00e1l azonban a magas kamat szinte minden esetben valamilyen pluszfelt\u00e9telhez k\u00f6t\u00f6tt. Alapkamat. A Magyar Nemzeti Bank [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-170363","post","type-post","status-publish","format-standard","hentry","category-uzlet"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/170363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/comments?post=170363"}],"version-history":[{"count":0,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/170363\/revisions"}],"wp:attachment":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/media?parent=170363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/categories?post=170363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/tags?post=170363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}