Politika

Szigorított a nemzeti bank: Magasabb lesz a törlesztőrészlet

nyugatifeny.hu

Egy 15-20 éves jelzáloghitel futamideje alatt a kamatok jelentősen nőhetnek.

Nagy baj leselkedik a lakáshitelesekre: májusban a nemzeti bank szigorításai után évek óta nem látott magas szintre ugrottak a bankközi kamatlábak. Emiatt

májustól megemelkedhetnek a lakáshitelek törlesztőrészletei.

A Magyar Nemzeti Bank a bankközi kamatlábakat 2016 óta nem látott szintre emelte fel. Ez azt jelenti, hogy megemelkedhet a változó kamatozású lakáshitelek törlesztőrészlete. Akár azoknak is, akik jelenleg élnek a hiteltörlesztési moratórium adta lehetőséggel.

Azok az adósok, akiknek közeledik a lakáshitelük törlesztésének fordulónapja, akár már májustól magasabb törlesztőrészletekre számíthatnak – áll a Pénzcentrum elemzésében.

A jelenlegi helyzetben a kamatok akár hirtelen is megemelkedhetnek. A legtöbb változó kamatozású hitel díja az év eleje óta 1 százalékkal lett magasabb. Egy ilyen mértékű kamatemelkedés után egy 10 éves futamidejű, 10 millió forintos lakáshitel esetén

akár 5 százalékkal is nőhet a havi törlesztőrészlet.

De az sem segít sokat, ha meghosszabbítjuk a hitel futamidejét: ez nem új hitelt, hanem csak szerződésmódosítást jelent.

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