{"id":172340,"date":"2026-10-01T08:20:15","date_gmt":"2026-10-01T08:20:15","guid":{"rendered":"https:\/\/friss-hirek.hu\/index.php\/kamatstop-egyelore-marad-de-mar-latszik-kik-fognak-rosszul-jarni\/friss-hirek\/"},"modified":"2026-10-01T08:20:15","modified_gmt":"2026-10-01T08:20:15","slug":"kamatstop-egyelore-marad-de-mar-latszik-kik-fognak-rosszul-jarni","status":"publish","type":"post","link":"https:\/\/friss-hirek.hu\/index.php\/kamatstop-egyelore-marad-de-mar-latszik-kik-fognak-rosszul-jarni\/uzlet\/","title":{"rendered":"Kamatstop: egyel\u0151re marad, de m\u00e1r l\u00e1tszik, kik fognak rosszul j\u00e1rni"},"content":{"rendered":"<p><strong>Szeptember v\u00e9g\u00e9n lej\u00e1rt volna a lakoss\u00e1gi jelz\u00e1loghitelek kamatstopja, de a bankok \u00e9s a korm\u00e1ny nem jutottak d\u0171l\u0151re.<\/strong><\/p><div id=\"friss-3458936028\" 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>Okt\u00f3berben is \u00e9rv\u00e9nyben marad a jelz\u00e1loghitelek kamatstopja, miut\u00e1n a korm\u00e1ny \u00e9s a Magyar Banksz\u00f6vets\u00e9g nem tudott meg\u00e1llapodni arr\u00f3l, milyen felt\u00e9telekkel lehetne kivezetni az int\u00e9zked\u00e9st. A kivezet\u00e9st eredetileg szeptember 30-ra tervezt\u00e9k, most azonban nincs \u00faj hat\u00e1rid\u0151, a t\u00f6bb mint 200 ezer \u00e9rintett ad\u00f3s egyel\u0151re v\u00e1ltozatlan felt\u00e9telek mellett t\u00f6rleszt, <a href=\"https:\/\/www.azenpenzem.hu\/cikkek\/oktoberben-is-folytatodik-a-kamatstop\/11920\/\">\u00edrja az Az\u00e9np\u00e9nzem.hu. <\/a><\/p>\n<p><strong>H\u00e1tt\u00e9r. <\/strong>A kamatstopot m\u00e9g 2021-ben, a Covid-j\u00e1rv\u00e1nyra hivatkozva vezett\u00e9k be, eredetileg \u00e1tmeneti int\u00e9zked\u00e9sk\u00e9nt. Az\u00f3ta \u00fajra \u00e9s \u00fajra meghosszabb\u00edtott\u00e1k, id\u00e9n \u00e1prilisban pedig m\u00e1r hat\u00e1rozatlan id\u0151re maradt \u00e9rv\u00e9nyben. A konstrukci\u00f3 l\u00e9nyege, hogy a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa lakoss\u00e1gi jelz\u00e1loghitelekn\u00e9l a bankok egy 2021 okt\u00f3ber\u00e9ben r\u00f6gz\u00edtett referenciakamathoz igaz\u00edthatj\u00e1k a sz\u00e1m\u00edt\u00e1sokat, f\u00fcggetlen\u00fcl att\u00f3l, hogy id\u0151k\u00f6zben hogyan v\u00e1ltoztak a piaci kamatok.<\/p>\n<p><strong>R\u00e9szletek. <\/strong>A Magyar Nemzeti Bank adatai szerint 2025 v\u00e9g\u00e9n 218 ezer szerz\u0151d\u00e9s, \u00f6sszesen 842 milli\u00e1rd forintnyi jelz\u00e1loghitel tartozott a kamatstop hat\u00e1lya al\u00e1. Ez a teljes jelz\u00e1loghitel-\u00e1llom\u00e1ny szerz\u0151d\u00e9seinek 26 sz\u00e1zal\u00e9ka, mik\u00f6zben a fenn\u00e1ll\u00f3 t\u0151ketartoz\u00e1s 11 sz\u00e1zal\u00e9k\u00e1t jelenti. A sz\u00e1mok m\u00f6g\u00f6tt azonban nagyon elt\u00e9r\u0151 helyzet\u0171 ad\u00f3sok vannak: az MNB szerint mind\u00f6ssze mintegy 19 ezer olyan hitelfelvev\u0151 lehet, akinek komolyabb gondot okozna a kamatstop megsz\u00fcntet\u00e9se. A vita \u00e9ppen arr\u00f3l sz\u00f3l, hogyan lehetne ezt a k\u00f6rt megv\u00e9deni an\u00e9lk\u00fcl, hogy minden \u00e9rintett automatikusan ugyanazt a kedvezm\u00e9nyt kapn\u00e1.<\/p>\n<p><strong>Mennyibe ker\u00fclt? <\/strong>A bankszektor szerint a kamatstop eddig mintegy 500 milli\u00e1rd forintos terhet jelentett a hitelint\u00e9zeteknek. A piaci kamatok id\u0151k\u00f6zben jelent\u0151sen cs\u00f6kkentek, ez\u00e9rt a kivezet\u00e9s ma m\u00e1r kisebb t\u00f6rleszt\u0151r\u00e9szlet-emelked\u00e9st okozna, mint a kor\u00e1bbi kamatcs\u00facsok idej\u00e9n. Egy \u00e1tlagos, 4 milli\u00f3 forintos fenn\u00e1ll\u00f3 t\u0151ketartoz\u00e1sn\u00e1l a becsl\u00e9sek szerint havi mintegy 7 ezer forintos pluszt jelentene a v\u00e1ltoz\u00e1s.<\/p>\n<p><strong>Mi lesz?<\/strong> A bankok \u00e9s a korm\u00e1ny abban egyet\u00e9rtenek, hogy hosszabb t\u00e1von ki kell vezetni a kamatstopot. A k\u00e9rd\u00e9s m\u00e1r nem az, hogy megsz\u0171nj\u00f6n-e, hanem hogy ki viselje a kivezet\u00e9s \u00e1r\u00e1t \u2013 \u00e9s f\u0151leg, hogyan v\u00e9dj\u00e9k meg azt a viszonylag sz\u0171k ad\u00f3si k\u00f6rt, amelynek val\u00f3ban komolyabb tehern\u00f6veked\u00e9st okozna a v\u00e1ltoz\u00e1s.<\/p>\n<p><!-- No email blocks found --><\/p>\n<p>The post <a href=\"https:\/\/www.forbes.hu\/penz\/kamatstop-egyelore-marad-de-mar-latszik-kik-fognak-rosszul-jarni\/\">Kamatstop: egyel\u0151re marad, de m\u00e1r l\u00e1tszik, kik fognak rosszul j\u00e1rni<\/a> appeared first on <a href=\"https:\/\/www.forbes.hu\/\">Forbes.hu<\/a>.<\/p><div id=\"friss-2526484327\" class=\"friss-etarget-cikk-vege friss-entity-placement\"><script type=\"text\/javascript\" id=\"etargetScript7a9b589f63cb072bef80df221f46a22b\">function etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b(){var 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id=\"friss-2053279292\" class=\"friss-after-content_3 friss-entity-placement\">https:\/\/www.youtube.com\/watch?v=Pdnw4KiUWp0<\/div>","protected":false},"excerpt":{"rendered":"<p>Szeptember v\u00e9g\u00e9n lej\u00e1rt volna a lakoss\u00e1gi jelz\u00e1loghitelek kamatstopja, de a bankok \u00e9s a korm\u00e1ny nem jutottak d\u0171l\u0151re. Mi t\u00f6rt\u00e9nt? Okt\u00f3berben is \u00e9rv\u00e9nyben marad a jelz\u00e1loghitelek kamatstopja, miut\u00e1n a korm\u00e1ny \u00e9s a Magyar Banksz\u00f6vets\u00e9g nem tudott meg\u00e1llapodni arr\u00f3l, milyen felt\u00e9telekkel lehetne kivezetni az int\u00e9zked\u00e9st. A kivezet\u00e9st eredetileg szeptember 30-ra tervezt\u00e9k, most azonban nincs \u00faj hat\u00e1rid\u0151, a [&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-172340","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\/172340","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=172340"}],"version-history":[{"count":0,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/172340\/revisions"}],"wp:attachment":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/media?parent=172340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/categories?post=172340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/tags?post=172340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}