{"id":65958,"date":"2025-11-29T21:28:00","date_gmt":"2025-11-29T19:28:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=65958"},"modified":"2025-11-29T09:32:31","modified_gmt":"2025-11-29T07:32:31","slug":"a-masodlagos-ingatlanpiacon-emelkedett-a-jelzaloghitel-az-elsodleges-piacon-valtozatlan-milyen-kamatlabbal-adnak-hitelt","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=65958&lang=hu","title":{"rendered":"A m\u00e1sodlagos ingatlanpiacon emelkedett a jelz\u00e1loghitel, az els\u0151dleges piacon v\u00e1ltozatlan: milyen kamatl\u00e1bbal adnak hitelt?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A m\u00e1sodlagos ingatlanpiacon megemelkedett a jelz\u00e1loghitel \u2013 a kamatl\u00e1b szeptemberben 9,37%-ra emelkedett az egy h\u00f3nappal kor\u00e1bbi 8,99%-r\u00f3l, m\u00edg az els\u0151dleges piacon v\u00e1ltozatlan maradt. Ezt bizony\u00edtj\u00e1k az Nemzeti Bank havi felm\u00e9r\u00e9s\u00e9nek adatai. A jegybank adatai szerint szeptemberben az ukr\u00e1n bankok 851 jelz\u00e1loghitelt ny\u00fajtottak \u00f6sszesen 1,6 milli\u00e1rd hrivnya \u00e9rt\u00e9kben, amelyek 62,5%-\u00e1t az els\u0151dleges piac rendelkez\u00e9s\u00e9re adt\u00e1k ki.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/1764069511-3790-large-1024x683.webp\" alt=\"\" class=\"wp-image-65815\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/1764069511-3790-large-1024x683.webp 1024w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/1764069511-3790-large-300x200.webp 300w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/1764069511-3790-large-768x512.webp 768w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/1764069511-3790-large.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">R\u00f6viden a felm\u00e9r\u00e9s eredm\u00e9nyeir\u0151l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>az els\u0151dleges ingatlanpiacon 532 hitelt ny\u00fajtottak 1 milli\u00e1rd hrivnya \u00e9rt\u00e9kben, amelyb\u0151l 152 hitelt 276 milli\u00f3 hrivnya \u00e9rt\u00e9kben a j\u00f6v\u0151beli ingatlanokra vonatkoz\u00f3 tulajdonjogok fedezetek\u00e9nt;<\/li>\n\n\n\n<li>a m\u00e1sodlagos ingatlanpiacon 319 hitelt ny\u00fajtottak 621 milli\u00f3 hrivnya \u00e9rt\u00e9kben;<\/li>\n\n\n\n<li>az \u00e1tlagos effekt\u00edv kamatl\u00e1b az els\u0151dleges piacon \u00e9vi 8,13%, a m\u00e1sodlagos piacon pedig 9,37% volt;<\/li>\n\n\n\n<li>a jelz\u00e1loghitel-portf\u00f3li\u00f3 min\u0151s\u00e9ge j\u00f3: a nemteljes\u00edt\u0151 hitelek ar\u00e1nya 12%.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mi van a r\u00e9gi\u00f3kban<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00e9gi\u00f3kat tekintve szeptemberben az al\u00e1bbi ter\u00fcleteken foly\u00f3s\u00edtott\u00e1k a legt\u00f6bb jelz\u00e1loghitelt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kijevi r\u00e9gi\u00f3 (303 szerz\u0151d\u00e9s \u00f6sszesen 599 milli\u00f3 hrivnya \u00e9rt\u00e9kben, ami a teljes \u00f6sszeg 37%-a);<\/li>\n\n\n\n<li>Kijev (155 szerz\u0151d\u00e9s 350 milli\u00f3 hrivnya \u00e9rt\u00e9kben);<\/li>\n\n\n\n<li>Lembergi r\u00e9gi\u00f3 (46 szerz\u0151d\u00e9s 95 milli\u00f3 hrivnya \u00e9rt\u00e9kben);<\/li>\n\n\n\n<li>Ivano-Frankivszki r\u00e9gi\u00f3 (53 szerz\u0151d\u00e9s 90 milli\u00f3 hrivnya \u00e9rt\u00e9kben);<\/li>\n\n\n\n<li>Volinyi r\u00e9gi\u00f3 (35 szerz\u0151d\u00e9s 61 milli\u00f3 hrivnya \u00e9rt\u00e9kben).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A felm\u00e9r\u00e9s sor\u00e1n 39 bank v\u00e1laszolt, amelyek a teljes brutt\u00f3 jelz\u00e1loghitel-portf\u00f3li\u00f3 t\u00f6bb mint 95%-\u00e1t tett\u00e9k ki, amelyek k\u00f6z\u00fcl 14 bank sz\u00e1molt be \u00faj jelz\u00e1loghitelek ny\u00fajt\u00e1s\u00e1r\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&lt;!&#8211;translatorid:ild5234 &#8211;&gt;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A m\u00e1sodlagos ingatlanpiacon megemelkedett a jelz\u00e1loghitel \u2013 a kamatl\u00e1b szeptemberben 9,37%-ra emelkedett az egy h\u00f3nappal kor\u00e1bbi 8,99%-r\u00f3l, m\u00edg az els\u0151dleges piacon v\u00e1ltozatlan maradt.<\/p>\n","protected":false},"author":12,"featured_media":65815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,11,33],"tags":[23375,28019],"class_list":["post-65958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cikkek","category-kiemelt-tema","category-ukrajna","tag-ingatlanpiac","tag-jelzaloghitel"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65958","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=65958"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65958\/revisions"}],"predecessor-version":[{"id":65959,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65958\/revisions\/65959"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/65815"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}