{"id":25825,"date":"2022-06-27T12:01:00","date_gmt":"2022-06-27T09:01:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=25825"},"modified":"2022-06-27T09:06:12","modified_gmt":"2022-06-27T06:06:12","slug":"teljesen-leallt-a-hitelezes-ukrajnaban-a-jegybank-penznyomtatasba-kezdett","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=25825&lang=hu","title":{"rendered":"Teljesen le\u00e1llt a hitelez\u00e9s Ukrajn\u00e1ban, a jegybank p\u00e9nznyomtat\u00e1sba kezdett"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Az ukr\u00e1n parlament t\u00f6rv\u00e9nyjavaslatot fogadott el a polg\u00e1rok h\u00e1bor\u00fa sor\u00e1n megsemmis\u00fclt ing\u00f3s\u00e1gain \u00e9s ingatlanjain l\u00e9v\u0151 jelz\u00e1log- \u00e9s fogyaszt\u00f3i hitelek elt\u00f6rl\u00e9s\u00e9r\u0151l \u2013 jelentette be Danilo Hetmancev. Mint kider\u00fclt, a t\u00f6rleszt\u00e9shez sz\u00fcks\u00e9ges p\u00e9nzeszk\u00f6z\u00f6ket az \u00e1llam bocs\u00e1tan\u00e1 a hitelez\u0151 bankok rendelkez\u00e9s\u00e9re.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"385\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2021\/12\/hrivnya-penz.jpeg\" alt=\"\" class=\"wp-image-17483\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2021\/12\/hrivnya-penz.jpeg 610w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2021\/12\/hrivnya-penz-300x189.jpeg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">A parlament p\u00e9nz\u00fcgyi, ad\u00f3- \u00e9s v\u00e1mpolitikai bizotts\u00e1g\u00e1nak eln\u00f6ke kifejtette, hogy a finansz\u00edroz\u00e1s forr\u00e1s\u00e1nak meghat\u00e1roz\u00e1sa m\u00e9g folyamatban van: az \u00e1llami k\u00f6lts\u00e9gvet\u00e9s mellett nemzetk\u00f6zi partnerek bevon\u00e1s\u00e1ra is sz\u00fcks\u00e9g lehet. \u201eA dokumentumban szerepel ugyan a bankok sz\u00e1m\u00e1ra meg\u00edt\u00e9lend\u0151 kompenz\u00e1ci\u00f3, \u00e1m a k\u00e9pvisel\u0151k semmilyen konkr\u00e9tumot, \u00edgy a k\u00e1rt\u00e9r\u00edt\u00e9s idej\u00e9t \u00e9s m\u00f3dj\u00e1t sem f\u0171zt\u00e9k a sz\u00f6veghez\u201d \u2013 fejtette ki Olena Korobkova, az Ukr\u00e1n Bankok F\u00fcggetlen Egyes\u00fclet\u00e9nek \u00fcgyvezet\u0151 igazgat\u00f3ja. Hozz\u00e1tette, ennek megfelel\u0151en m\u00e9g nem lehet objekt\u00edv \u00e9rt\u00e9kel\u00e9st adni a javaslatr\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00f6rv\u00e9nyjavaslat hat\u00e1lya al\u00e1 tartoz\u00f3 ingatlanok mennyis\u00e9g\u00e9t is neh\u00e9z felm\u00e9rni, mivel nem egy\u00e9rtelm\u0171 az anyagi k\u00e1r meg\u00e1llap\u00edt\u00e1s\u00e1nak mechanizmusa. Emellett a bankok arr\u00f3l sem kaptak t\u00e1j\u00e9koztat\u00e1st, mennyi z\u00e1logfedezet\u0171 ing\u00f3s\u00e1g lehet a harcok d\u00falta ter\u00fcleteken \u00e9s mennyi semmis\u00fclt meg. Ez pontosan csak a h\u00e1bor\u00fa v\u00e9g\u00e9n \u00e1llap\u00edthat\u00f3 majd meg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eTekintettel a jelz\u00e1log- \u00e9s az aut\u00f3hitelek viszonylag kis h\u00e1nyad\u00e1ra, a vesztes\u00e9g nem lesz katasztrof\u00e1lis, \u00edgy nem \u00e9rdemes a bankrendszer stabilit\u00e1s\u00e1t fenyeget\u0151 vesz\u00e9lyr\u0151l besz\u00e9lni\u201d \u2013 v\u00e9lekedett Korobkova. Hozz\u00e1tette, a bankok kompenz\u00e1ci\u00f3j\u00e1nak elmulaszt\u00e1sa nem roppantan\u00e1 meg ugyan a rendszert, \u00e1m teljesen meg\u00f6lheti a jelz\u00e1logpiacot. Az ukr\u00e1n bankok a 2008-as gazdas\u00e1gi v\u00e1ls\u00e1g ut\u00e1n tizenk\u00e9t \u00e9vig szinte alig adtak ki jelz\u00e1loghitelt. Amennyiben az \u00e1llam az ad\u00f3ss\u00e1gok elenged\u00e9se k\u00f6zben nem lesz kell\u0151en k\u00f6r\u00fcltekint\u0151, \u00fagy ism\u00e9t hossz\u00fa \u00e9vekre elfelejthetj\u00fck az ut\u00f3bbi id\u0151ben hat\u00e9konyan m\u0171k\u00f6d\u0151 megfizethet\u0151 lak\u00e1shiteleket, \u00e9rvelt az ukrajnai p\u00e9nzint\u00e9zeteket egyes\u00edt\u0151 t\u00f6m\u00f6r\u00fcl\u00e9s vezet\u0151je.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"839\" height=\"1024\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2022\/06\/bf2c5d98cb154029b615e0b484d7e671-839x1024.jpg\" alt=\"\" class=\"wp-image-25826\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2022\/06\/bf2c5d98cb154029b615e0b484d7e671-839x1024.jpg 839w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2022\/06\/bf2c5d98cb154029b615e0b484d7e671-246x300.jpg 246w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2022\/06\/bf2c5d98cb154029b615e0b484d7e671-768x938.jpg 768w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2022\/06\/bf2c5d98cb154029b615e0b484d7e671.jpg 900w\" sizes=\"auto, (max-width: 839px) 100vw, 839px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Olena Korobkova eml\u00e9keztetett arra, hogy 2021-ben a bankok csaknem 9 milli\u00e1rd hrivnya \u00e9rt\u00e9k\u0171 jelz\u00e1loghitelt bocs\u00e1tottak ki, ami 2,4-szeres\u00e9vel haladta meg a 2020-as adatot. Jelenleg a bankok befagyasztott\u00e1k a mag\u00e1nszem\u00e9lyek jelz\u00e1loghitelez\u00e9s\u00e9t, valamint az \u00e9p\u00edt\u0151ipari c\u00e9gek finansz\u00edroz\u00e1s\u00e1t. A piac sz\u00e1m\u00e1ra tov\u00e1bbi negat\u00edv t\u00e9nyez\u0151 a j\u00f6vedelmek cs\u00f6kken\u00e9se \u00e9s a lakoss\u00e1g elmenek\u00fcl\u00e9se az orsz\u00e1gb\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A bels\u0151 menek\u00fcltek korl\u00e1tozott p\u00e9nz\u00fcgyi lehet\u0151s\u00e9geik miatt v\u00e1s\u00e1rl\u00e1s helyett ink\u00e1bb lak\u00e1st b\u00e9relnek. Hi\u00e1ba jelentett\u00e9k be egyes kijevi fejleszt\u0151k az \u00e9p\u00edt\u00e9si munk\u00e1latok \u00fajraind\u00edt\u00e1s\u00e1t, a kock\u00e1zatok miatt m\u00e1ra gyakorlatilag az \u00f6sszes f\u0151v\u00e1rosi \u00e9p\u00edtkez\u00e9s befagyott. \u00d6sszess\u00e9g\u00e9ben elmondhat\u00f3, hogy s\u00falyos vesztes\u00e9geket szenvednek el a jelz\u00e1loghitelek kibocs\u00e1t\u00e1s\u00e1val foglalkoz\u00f3 p\u00e9nzint\u00e9zetek. Ez v\u00e9gleg elt\u00e1ntor\u00edthatja a bankok azon sz\u00e1nd\u00e9k\u00e1t \u00e9s k\u00e9pess\u00e9g\u00e9t, hogy a t\u00e1rsadalom \u00e9s gazdas\u00e1g \u00e1ltal ig\u00e9nyelt mennyis\u00e9gben biztos\u00edtsanak jelz\u00e1loghiteleket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e1r Ukrajn\u00e1ban 10-r\u0151l 25 sz\u00e1zal\u00e9kra emelt\u00e9k a jegybanki alapkamatot, \u00e1m a bankok tov\u00e1bbra is csak 5-8 sz\u00e1zal\u00e9k k\u00f6r\u00fcli kamatot fizetnek a bet\u00e9tek ut\u00e1n. A korm\u00e1nynak havi 5-6 milli\u00e1rd doll\u00e1rra lenne sz\u00fcks\u00e9ge a h\u00e1bor\u00fas kiad\u00e1sok fedez\u00e9s\u00e9re, \u00e1m eddig csup\u00e1n 7 milli\u00e1rd doll\u00e1r k\u00fclf\u00f6ldi seg\u00edts\u00e9ghez jutott. A k\u00fcl\u00f6nb\u00f6zet fedez\u00e9se v\u00e9gett egyetlen nap leforg\u00e1sa alatt 70 milli\u00e1rd hrivny\u00e1t (mintegy 2 milli\u00e1rd doll\u00e1rt) nyomtatott a jegybank, a h\u00e1bor\u00fa kit\u00f6r\u00e9se \u00f3ta pedig mintegy 6 milli\u00e1rd doll\u00e1rnyi, val\u00f3s fedezet n\u00e9lk\u00fcli hrivnya j\u00f6tt ki a p\u00e9nzverd\u00e9b\u0151l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.vg.hu\/nemzetkozi-gazdasag\/2022\/06\/ukrajnaban-teljesen-leallt-a-hitelezes-a-jegybank-penznyomtatasba-kezdett?utm_source=hirstart\">(vg.hu)<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az ukr\u00e1n parlament t\u00f6rv\u00e9nyjavaslatot fogadott el a polg\u00e1rok h\u00e1bor\u00fa sor\u00e1n megsemmis\u00fclt ing\u00f3s\u00e1gain \u00e9s ingatlanjain l\u00e9v\u0151 jelz\u00e1log- \u00e9s fogyaszt\u00f3i hitelek elt\u00f6rl\u00e9s\u00e9r\u0151l \u2013 jelentette be Danilo Hetmancev. <\/p>\n","protected":false},"author":12,"featured_media":17483,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1593,41,33854,17,33],"tags":[810,10518,33922,433,60866],"class_list":["post-25825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual-hu","category-cikkek","category-war-hu","category-surgos","category-ukrajna","tag-alapkamat","tag-danilo-hetmancev","tag-haboru","tag-hrivnya","tag-jelzalog-es-fogyasztoi-hitel"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/25825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25825"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/25825\/revisions"}],"predecessor-version":[{"id":25827,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/25825\/revisions\/25827"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/17483"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}