Tavaly m\u00e1rcius 19-t\u0151l okt\u00f3ber v\u00e9g\u00e9ig tart a hitelekre bevezetett t\u00f6rleszt\u00e9si morat\u00f3rium, amelyet nem kellett k\u00e9relmezni, hanem a fizet\u00e9sr\u0151l nyilatkozni. November 1-j\u00e9t\u0151eset\u00e9benl ez megfordul. Aki nem k\u00e9ri bankj\u00e1n\u00e1l, az auhttps:\/\/erdmost.hu\/wp-content\/uploads\/2021\/06\/business-blog-session-cover-img-03.jpgatikusan fizet\u0151v\u00e9 v\u00e1lik. De csak n\u00e9h\u00e1ny r\u00e1szorulti csoport \u00e9s csak j\u00f6v\u0151 j\u00fanius 30-\u00e1ig. A megtold\u00e1st k\u00e9rhetik nyugd\u00edjasok, gyermeket v\u00e1r\u00f3k \u00e9s nevel\u0151k, k\u00f6zfoglalkoztatottak. Azon mag\u00e1nszem\u00e9lyek, akiknek az el\u0151z\u0151 \u00e9vhez k\u00e9pest cs\u00f6kkent a j\u00f6vedelm\u00fck, illetve azok a v\u00e1llalkoz\u00e1sok, amelyek \u00e1rbev\u00e9tele legal\u00e1bb 25 sz\u00e1zal\u00e9kkal esett az el\u0151z\u0151 \u00e9vhez k\u00e9pest. L\u00e9nyeges k\u00f6r\u00fclm\u00e9ny, hogy nem csak a direkt k\u00f6lcs\u00f6n\u00f6kre vonatkozik a felf\u00fcggeszt\u00e9s, hanem a babav\u00e1r\u00f3 hitel t\u00f6rleszt\u0151r\u00e9szlet\u00e9t sem kell fizetni, ahogyan a CSOK mell\u00e9 ig\u00e9nyelhet\u0151 kamatt\u00e1mogatott hitel jelz\u00e1loghitel\u00e9t sem.<\/p>\n
A morat\u00f3riumban r\u00e9szt vev\u0151 hitelek ar\u00e1nya a h\u00e1ztart\u00e1sokban az MNB adatai szerint m\u00e1jusban a teljes hitel\u00e1llom\u00e1ny 33, a jogosultak 48 sz\u00e1zal\u00e9ka volt. Az MNB fel\u00fcgyeleti sz\u00f3viv\u0151je szeptember v\u00e9g\u00e9n azt mondta, hogy m\u00e9g 1 milli\u00f3 150 ezer csal\u00e1d \u00e9s 25-30 ezer v\u00e1llalkoz\u00e1s \u00e9lt addig a lehet\u0151s\u00e9ggel. A lakoss\u00e1gn\u00e1l 2800-2900 milli\u00e1rd, a c\u00e9gekn\u00e9l 1900 milli\u00e1rd forintot nem t\u00f6rlesztettek egy h\u00f3napja. A lak\u00e1shiteleseknek m\u00e1r csak 41 sz\u00e1zal\u00e9ka volt morat\u00f3riumban.<\/p>\n
\u00c9rdemes megfontolni a d\u00f6nt\u00e9st, persze csak azoknak, akik belef\u00e9rnek a k\u00f6r\u00fcl\u00edrt jogosulti k\u00f6rbe. A bankok \u00e9s a jegybank is h\u00f3napok \u00f3ta azt javasolja, hogy aki tud, t\u00f6rlesszen. Az MNB egy kor\u00e1bbi sz\u00e1m\u00edt\u00e1sa szerint akik a tov\u00e1bbi nyolc h\u00f3napban maradnak a morat\u00f3riumban, t\u00f6bbs\u00e9g\u00fcknek ak\u00e1r h\u00e1rom \u00e9s f\u00e9l \u00e9vvel is megny\u00falhat a futamideje. A jelz\u00e1loghitelekn\u00e9l 20, a szem\u00e9lyi hitelekn\u00e9l ak\u00e1r 60 sz\u00e1zal\u00e9kkal is megemelkedhet a teljes visszafizetend\u0151 \u00f6sszeg. Az \u00e1prilisi (2020-ra vonatkoz\u00f3) banki elsz\u00e1mol\u00e1sok sokaknak okoztak sokkot, mert az der\u00fclt ki, hogy aki az el\u0151z\u0151 \u00e9v v\u00e9g\u00e9ig 10 h\u00f3napig nem fizetett, nem 10 h\u00f3nappal n\u0151 meg a hitel futamideje, hanem ak\u00e1r 13-14, egyes esetekben 25-30 h\u00f3nappal is.<\/p>\n
A sok milli\u00f3val megugr\u00f3 h\u00e1tral\u00e9k havi t\u00f6rleszt\u0151 \u00f6sszege nem n\u0151het, ez\u00e9rt a p\u00e9nzt id\u0151ben megny\u00fajtva kell fizetni (ahogyan eddig is). Fontos, hogy k\u00f6lts\u00e9g- \u00e9s d\u00edjmentesen el\u0151t\u00f6rleszthetnek a kil\u00e9p\u0151 \u00fcgyfelek, amivel m\u00e9rs\u00e9kelhet\u0151 a futamid\u0151 kitol\u00f3d\u00e1sa.<\/p>\n
Az MNB az \u00fcgyfelek 10-12 sz\u00e1zal\u00e9k\u00e1n\u00e1l v\u00e1r olyan j\u00f6vedelemcs\u00f6kken\u00e9st, ami probl\u00e9m\u00e1t okozhat az \u00fajb\u00f3li fizet\u00e9sben. A banksz\u00f6vets\u00e9g szerint a banksz\u00e1mla-forgalom alapj\u00e1n a hitelmorat\u00f3riumban l\u00e9v\u0151 \u00fcgyfelek 19 sz\u00e1zal\u00e9k\u00e1nak m\u00e9rhet\u0151en cs\u00f6kkent a j\u00f6vedelme, 81 sz\u00e1zal\u00e9k viszont tudna fizetni. Eddig nem rohant\u00e1k meg a bankokat az \u00fcgyfelek. Az MNB adatai szerint 2020. decembere \u00e9s id\u00e9n m\u00e1jus k\u00f6z\u00f6tt m\u00e1r 184 ezer lakoss\u00e1gi hitelszerz\u0151d\u00e9st kezdtek el fizetni.<\/p>","protected":false},"excerpt":{"rendered":"
Csaknem 3000 milli\u00e1rd forintnyi lakoss\u00e1gi hitel van felf\u00fcggeszt\u00e9s alatt, de p\u00e1r nap m\u00falva m\u00e1r csak k\u00e9relemre maradhat fenn ez az \u00e1llapot, el\u0151\u00edrt csoportok sz\u00e1m\u00e1ra. A t\u00e9t nem kicsi: ak\u00e1r h\u00e1rom \u00e9s f\u00e9l \u00e9vvel \u00e9s milli\u00f3kkal told\u00f3dhat meg a morat\u00f3rium fenntart\u00e1sa.<\/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":[15],"content_flags":[350],"content_icons":[],"class_list":["post-19306","post","type-post","status-publish","format-standard","hentry","category-erdmost","cikk_cimkek-kozelet","content_flags-erdekes"],"acf":[],"_links":{"self":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/19306","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=19306"}],"version-history":[{"count":0,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/19306\/revisions"}],"wp:attachment":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media?parent=19306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/categories?post=19306"},{"taxonomy":"cikk_cimkek","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/cikk_cimkek?post=19306"},{"taxonomy":"content_flags","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_flags?post=19306"},{"taxonomy":"content_icons","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_icons?post=19306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}