{"id":187193,"date":"2026-07-27T18:32:10","date_gmt":"2026-07-27T18:32:10","guid":{"rendered":"https:\/\/www.europesays.com\/hu\/187193\/"},"modified":"2026-07-27T18:32:10","modified_gmt":"2026-07-27T18:32:10","slug":"tobb-mint-2-millio-forintot-is-sporolhatnak-az-elso-lakasvasarlok-egy-jo-bankvalasztassal","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/hu\/187193\/","title":{"rendered":"T\u00f6bb mint 2 milli\u00f3 forintot is sp\u00f3rolhatnak az els\u0151 lak\u00e1sv\u00e1s\u00e1rl\u00f3k egy j\u00f3 bankv\u00e1laszt\u00e1ssal"},"content":{"rendered":"<p>Az ak\u00e1r 50 milli\u00f3 forintos \u00f6sszegben is ig\u00e9nyelhet\u0151 Otthon Start hitel a jelenlegi 5-6 sz\u00e1zal\u00e9kos piaci lak\u00e1shitelekhez k\u00e9pest kiemelked\u0151en kedvez\u0151 lehet\u0151s\u00e9get ny\u00fajt. B\u00e1r a f\u0151bb kereteket jogszab\u00e1ly r\u00f6gz\u00edti, a hazai bankok saj\u00e1t hat\u00e1sk\u00f6rben d\u00f6nthetnek arr\u00f3l, mennyit engednek a maxim\u00e1lt kamatb\u00f3l, \u00e9s milyen kedvezm\u00e9nyekkel cs\u00e1b\u00edtj\u00e1k magukhoz a hitelfelvev\u0151ket.<\/p>\n<p>                    <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/hu\/wp-content\/uploads\/2026\/07\/legyunk-korultekintoek_lgc.jpg\" alt=\"Legy\u00fcnk k\u00f6r\u00fcltekint\u0151ek\"\/><br \/>\n                    Legy\u00fcnk k\u00f6r\u00fcltekint\u0151ek<br \/>Fot\u00f3: DepositPhotos.com<\/p>\n<p>            \u201eA legmagasabb, 50 milli\u00f3 forintos hitel\u00f6sszeg \u00e9s 25 \u00e9ves futamid\u0151 eset\u00e9n mintegy 12 ezer forintos k\u00fcl\u00f6nbs\u00e9g van a legolcs\u00f3bb \u00e9s a legdr\u00e1g\u00e1bb aj\u00e1nlat k\u00f6z\u00f6tt havi szinten. Ez a futamid\u0151 v\u00e9g\u00e9re t\u00f6bb mint 2 milli\u00f3 forintos differenci\u00e1t jelent\u201d \u2013 h\u00edvja fel a figyelmet Garam D\u00e1niel, a money.hu hitelszak\u00e9rt\u0151je. 2026 j\u00falius\u00e1ban a teljes hiteld\u00edj mutat\u00f3k (THM) 2,87 sz\u00e1zal\u00e9k \u00e9s 3,13 sz\u00e1zal\u00e9k k\u00f6z\u00f6tt mozognak a hazai bankokn\u00e1l az Otthon Start hitelek eset\u00e9ben.<\/p>\n<p>A kedvez\u0151 kamatok mellett a p\u00e9nzint\u00e9zetek b\u00f3nusz j\u00f3v\u00e1\u00edr\u00e1sokkal \u00e9s d\u00edjelenged\u00e9sekkel is igyekeznek magukhoz vonzani az \u00fcgyfeleket. A money.hu gy\u0171jt\u00e9se szerint a banki b\u00f3nuszok jellemz\u0151en 200 \u00e9s 330 ezer forint k\u00f6z\u00f6tt mozognak, de tov\u00e1bbi szolg\u00e1ltat\u00e1sok ig\u00e9nybev\u00e9tel\u00e9vel ak\u00e1r az 500 ezer forintot is el\u00e9rhetik. Ezen fel\u00fcl a bankok gyakran \u00e1tv\u00e1llalj\u00e1k az \u00e9rt\u00e9kbecsl\u00e9s, a foly\u00f3s\u00edt\u00e1s vagy \u00e9pp a k\u00f6zjegyz\u0151i okiratba foglal\u00e1s d\u00edj\u00e1t is, amivel \u00fajabb sz\u00e1zezreket hagyhatnak az ig\u00e9nyl\u0151k zseb\u00e9ben.<\/p>\n<p>Az Otthon Start ig\u00e9nyl\u00e9sek sikeress\u00e9ge a k\u00f6telez\u0151 jogszab\u00e1lyi megfelel\u00e9sen t\u00fal a banki bels\u0151 szab\u00e1lyzatok k\u00fcl\u00f6nb\u00f6z\u0151s\u00e9g\u00e9n is m\u00falhat. Mivel a bankok kock\u00e1zat\u00e9rt\u00e9kel\u00e9si gyakorlata \u00e9s hitelb\u00edr\u00e1lati szempontrendszere nem egys\u00e9ges, egy-egy specifikusabb \u00fcgyf\u00e9l vagy ingatlan param\u00e9ter az egyik hitelint\u00e9zetn\u00e9l elutas\u00edt\u00e1st, m\u00edg egy m\u00e1sikn\u00e1l sikeres ig\u00e9nyl\u00e9st \u00e9s foly\u00f3s\u00edt\u00e1st eredm\u00e9nyezhet.<\/p>\n","protected":false},"excerpt":{"rendered":"Az ak\u00e1r 50 milli\u00f3 forintos \u00f6sszegben is ig\u00e9nyelhet\u0151 Otthon Start hitel a jelenlegi 5-6 sz\u00e1zal\u00e9kos piaci lak\u00e1shitelekhez k\u00e9pest&hellip;\n","protected":false},"author":2,"featured_media":187194,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[8],"tags":[63,42,15037,35879,43,16953,34,5810,15891,94,93,92],"class_list":["post-187193","post","type-post","status-publish","format-standard","has-post-thumbnail","category-vilag","tag-gazdasag","tag-hungarian","tag-kamatok","tag-koltsegkimeles","tag-magyar","tag-money-hu","tag-news","tag-otthon-start","tag-penzszerzes","tag-vilag","tag-world","tag-world-news"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@hu\/116993376391243602","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/posts\/187193","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/comments?post=187193"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/posts\/187193\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/media\/187194"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/media?parent=187193"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/categories?post=187193"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/hu\/wp-json\/wp\/v2\/tags?post=187193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}