{"id":12961,"date":"2021-03-11T13:54:55","date_gmt":"2021-03-11T13:54:55","guid":{"rendered":"https:\/\/wp.erdmost.hu\/2021\/03\/11\/lenyegi-visszaeses-nem-tapasztalhato\/"},"modified":"2021-03-11T13:54:55","modified_gmt":"2021-03-11T13:54:55","slug":"lenyegi-visszaeses-nem-tapasztalhato","status":"publish","type":"post","link":"https:\/\/erdmost.hu\/en\/2021\/03\/11\/lenyegi-visszaeses-nem-tapasztalhato\/","title":{"rendered":"L\u00e9nyegi visszaes\u00e9s nem tapasztalhat\u00f3"},"content":{"rendered":"<p class=\"m-3975976725622634456null\"><strong>Egy \u00e9ve \u00e9rte el haz\u00e1nkat a koronav\u00edrus&nbsp;j\u00e1rv\u00e1ny, a helyzet pedig csak rosszabbodik. Rengetegen vesz\u00edtett\u00e9k el a munk\u00e1jukat vagy k\u00e9nytelenek sz\u00fcneteltetni tev\u00e9kenys\u00e9g\u00fcket. Milyen hat\u00e1st gyakorolt ez a lakoss\u00e1gi hitelfelv\u00e9telre, \u00d6n\u00f6k tapasztalnak-e ebben visszaes\u00e9st ak\u00e1r lak\u00e1s, ak\u00e1r szem\u00e9lyi hitelek kapcs\u00e1n?<\/strong>&nbsp;<\/p>\n<p>A hitelkereslet bankspecifikus v\u00e1ltoz\u00e1sai t\u00f6bb t\u00e9nyez\u0151n is m\u00falhatnak. Nem csup\u00e1n az \u00fcgyfelek \u00e9lethelyzete, hanem a szezonalit\u00e1son fel\u00fcl a banki fejleszt\u00e9sek \u00e9s az \u00e1raz\u00e1s is befoly\u00e1solj\u00e1k, melyik bankn\u00e1l hogyan alakul a hitelkereslet. L\u00e9nyegi visszaes\u00e9s az MKB Bankn\u00e1l nem tapasztalhat\u00f3.<\/p>\n<p><strong>\u00c9l a t\u00f6rleszt\u00e9si morat\u00f3rium, mit tapasztalnak, a t\u00f6bbs\u00e9g \u00e9l a lehet\u0151s\u00e9ggel vagy ink\u00e1bb igyekeznek&nbsp;fizetni a hiteleiket, am\u00edg tudj\u00e1k?<\/strong><\/p>\n<p>A tapasztalatok azt mutatj\u00e1k, hogy j\u00f3val t\u00f6bben \u00e9ltek a morat\u00f3rium ny\u00fajtotta lehet\u0151s\u00e9ggel, mint ah\u00e1ny \u00fcgyf\u00e9lnek t\u00e9nylegesen sz\u00fcks\u00e9ge volt r\u00e1. Id\u00e9n a p\u00e9nz\u00fcgyileg tudatosabb r\u00e9teg tekintet\u00e9ben &#8211; v\u00e9lhet\u0151leg a futamid\u0151 hosszabb\u00edt\u00e1s \u00fcgyf\u00e9l\u00e9rtes\u00edt\u0151ben t\u00f6rt\u00e9n\u0151 realiz\u00e1l\u00e1sa hat\u00e1sak\u00e9nt &#8211; \u00e9szrevehet\u0151 egy morat\u00f3riumb\u00f3l t\u00f6rt\u00e9n\u0151 kil\u00e9p\u00e9si tendencia.<\/p>\n<p><strong>Az orsz\u00e1g egy j\u00f3 r\u00e9sze otthonr\u00f3l dolgozik, kevesebbet tankol, nem tudnak nyaralni, utazni, sz\u00f3rakozni, magyar\u00e1n&nbsp;kevesebbet&nbsp;k\u00f6ltenek az emberek. A megtakar\u00edt\u00e1sokon \u00e9rz\u0151dik ez? Van a v\u00edrushelyzetnek&nbsp;egy olyan hat\u00e1sa is, hogy t\u00f6bb p\u00e9nze marad az \u00fcgyfeleiknek?<\/strong><\/p>\n<p>Igen, \u00e9rz\u0151dik. Jellemz\u0151en az \u00fcgyfeleknek nagyobb \u00f6sszeg marad h\u00f3 v\u00e9g\u00e9n a sz\u00e1ml\u00e1jukon, ugyanakkor ez nem kiz\u00e1r\u00f3lag a pand\u00e9mia okozta fenti okoknak k\u00f6sz\u00f6nhet\u0151, hanem sok t\u00e9nyez\u0151 egy\u00fcttes hat\u00e1sak\u00e9nt \u00e1ll el\u0151, melyben a hitelmorat\u00f3rium is nagy szerepet j\u00e1tszik.<\/p>\n<p><strong>Mennyiben hasonl\u00edthat\u00f3 a jelenlegi helyzet a 2008-as gazdas\u00e1gi v\u00e1ls\u00e1ghoz? A hat\u00e1sait tekintve egy\u00e1ltal\u00e1n \u00f6sszehasonl\u00edthat\u00f3 a kett\u0151?<\/strong><\/p>\n<p>Alapvet\u0151en nem l\u00e1tunk hasonl\u00f3s\u00e1got a k\u00e9t helyzet k\u00f6z\u00f6tt. A 2008-as v\u00e1ls\u00e1got l\u00e9nyeg\u00e9ben egy, a p\u00e9nz\u00fcgyi szektorb\u00f3l \u00e9rkez\u0151 bizonytalans\u00e1g jellemezte. A v\u00e1ls\u00e1g hat\u00e1s\u00e1ra hirtelen megugr\u00f3 cs\u0151dhull\u00e1m \u00e9s az ahhoz kapcsol\u00f3d\u00f3 munkan\u00e9lk\u00fclis\u00e9g, vagy \u00e9ppen a forint gyeng\u00fcl\u00e9se v\u00e1ratlanul \u00e9rte az \u00fcgyfeleket, az am\u00fagy is negat\u00edv hangulatot pedig tov\u00e1bb rontotta az akkor m\u00e9g magas lakoss\u00e1gi devizahitel \u00e1llom\u00e1ny is. A 2008-as v\u00e1ls\u00e1gb\u00f3l sokat tanultak a d\u00f6nt\u00e9shoz\u00f3k. Ennek k\u00f6vetkezt\u00e9ben, most jelent\u0151s mennyis\u00e9g\u0171 p\u00e9nz \u00e1ramlik a piacokra, ezzel megakad\u00e1lyozva a nagyobb cs\u0151dhull\u00e1mot. T\u00f6bbek k\u00f6z\u00f6tt ennek is k\u00f6sz\u00f6nhet\u0151, hogy a r\u00e9szv\u00e9nypiacok sorra d\u00f6ntik az \u00fajabb cs\u00facsokat, \u00e9s b\u00e1r a forint t\u00f6rt\u00e9nelmi m\u00e9lypontj\u00e1n van, ennek negat\u00edv hat\u00e1sa ma m\u00e1r kev\u00e9sb\u00e9 \u00e9rinti a lakoss\u00e1got.<\/p>\n<p><strong>Mire sz\u00e1m\u00edtanak a j\u00f6v\u0151ben a bankok?&nbsp; Rem\u00e9nyeink szerint az olt\u00e1sokkal ny\u00e1rra valamelyest rendez\u0151dik a helyzet, ezt a h\u00e1ztart\u00e1sok vajon \u00e9rezni fogj\u00e1k m\u00e1r? Vagy arra sz\u00e1m\u00edtanak, hogy m\u00e9g hossz\u00fa h\u00f3napok, mire a gazdas\u00e1g \u00fajra lend\u00fcletbe j\u00f6n \u00e9s az emberek \u00fajra bele mernek v\u00e1gni ak\u00e1r egy komolyabb&nbsp;hitelfelv\u00e9telbe?<\/strong><\/p>\n<p>V\u00e1rakoz\u00e1saink szerint a jelenlegi v\u00e1ls\u00e1gb\u00f3l gyorsabb lehet a kil\u00e1bal\u00e1s, amint a lakoss\u00e1g jelent\u0151s r\u00e9sze megkapja az olt\u00e1st, a gazdas\u00e1gi \u00e9let is gyorsan visszat\u00e9rhet a pand\u00e9mi\u00e1s helyzet el\u0151tti szintekre, az elmaradt fogyaszt\u00e1st v\u00e1rhat\u00f3an gyorsan p\u00f3tolja majd a lakoss\u00e1g. A korm\u00e1ny otthonteremt\u00e9si programj\u00e1nak leg\u00fajabb elemei \u00e9s a kedvez\u0151 hitelfelv\u00e9teli lehet\u0151s\u00e9gek egyar\u00e1nt pozit\u00edv hat\u00e1ssal lehetnek a lak\u00e1spiacra, melyet a koronav\u00edrus j\u00e1rv\u00e1ny \u00e1ltal induk\u00e1lt \u00e1ltal\u00e1nos gazdas\u00e1gi visszaes\u00e9s jellemez most.<\/p>","protected":false},"excerpt":{"rendered":"<p>Egy \u00e9ve \u00e9rte el haz\u00e1nkat a koronav\u00edrus j\u00e1rv\u00e1ny. K\u00edv\u00e1ncsiak voltunk, hogy a bankok milyen tapasztalatokr\u00f3l sz\u00e1molnak be a lakoss\u00e1gi hitelfelv\u00e9tek \u00e9s a t\u00f6rleszt\u00e9si morat\u00f3rium kapcs\u00e1n. Az MKB bank munkat\u00e1rs\u00e1t arr\u00f3l is k\u00e9rdezt\u00fck, mire sz\u00e1m\u00edtanak a t\u00f6meges olt\u00e1s ut\u00e1n.<\/p>","protected":false},"author":8,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"cikk_cimkek":[25,219],"content_flags":[],"content_icons":[],"class_list":["post-12961","post","type-post","status-publish","format-standard","hentry","category-erdmost","cikk_cimkek-mindennapok","cikk_cimkek-penzugy"],"acf":[],"_links":{"self":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/12961","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/comments?post=12961"}],"version-history":[{"count":0,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/12961\/revisions"}],"wp:attachment":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media?parent=12961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/categories?post=12961"},{"taxonomy":"cikk_cimkek","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/cikk_cimkek?post=12961"},{"taxonomy":"content_flags","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_flags?post=12961"},{"taxonomy":"content_icons","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_icons?post=12961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}