{"id":2284412,"date":"2026-07-27T19:03:05","date_gmt":"2026-07-27T17:03:05","guid":{"rendered":"https:\/\/www.startlap.hu\/vasarlas\/?p=2284412"},"modified":"2026-07-27T18:44:25","modified_gmt":"2026-07-27T16:44:25","slug":"bankok-kamat-valtozas","status":"publish","type":"post","link":"https:\/\/www.startlap.hu\/vasarlas\/bankok-kamat-valtozas\/","title":{"rendered":"Megindult a kamatv\u00e1g\u00e1s a bankokn\u00e1l &#8211; ezek a bet\u00e9tek m\u00e9g tartj\u00e1k magukat"},"content":{"rendered":"<p>A Magyar Nemzeti Bank kamatcs\u00f6kkent\u00e9sei lassan a bankbet\u00e9tek kamataiban is egyre l\u00e1tv\u00e1nyosabban megjelennek majd. Az elm\u00falt napokban t\u00f6bb <a href=\"https:\/\/www.startlap.hu\/vasarlas\/erste-leallas\/\" target=\"_blank\" rel=\"noopener\">p\u00e9nzint\u00e9zet<\/a> is m\u00f3dos\u00edtott a lakoss\u00e1gi forintbet\u00e9tek felt\u00e9telein, a cs\u00f6kkent\u00e9sek jellemz\u0151en 0,25-0,5 sz\u00e1zal\u00e9kponttal m\u00e9rs\u00e9kelt\u00e9k az el\u00e9rhet\u0151 kamatot &#8211; \u00edrja a <a href=\"https:\/\/www.hirstart.hu\/site\/relocate.php?rssid=66&amp;rsspid=3&amp;ctype=rss&amp;id=47263187&amp;chk=56ff78f8ac9a318c9e8fb87c6fd78b24&amp;url=https%3A%2F%2Fkkvmagazin.com%2Fv%2Fsorra-csokkentik-a-bankok-a-beteti-kamataikat%2F\" target=\"_blank\" target=\"_blank\" rel=\"noopener\">KKV Magazin<\/a>.<\/p>\n<div class=\"o-widget m-readMoreWidget -readMore u-shortDecorLineAfter row widget-container _ce_measure_widget bigdata-widget read-more\" data-ce-measure-widget=\"olvass tov\u00e1bb\">\n\t<div class=\"m-readMoreWidget__imgWrapper image-wrapper col-12 col-md-4 no-p\">\n\t\t<a class=\"m-readMoreWidget__imgLink\" href=\"https:\/\/www.startlap.hu\/vasarlas\/egy-regi-indiai-trukk-amivel-legkondi-nelkul-is-lehutheted-az-otthonod\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/06\/klima-helyet-350x285.jpg\" class=\"m-readMoreWidget__img\">\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"m-readMoreWidget__titleWrapper title-wrapper col-12 col-md-8\">\n\t\t<span class=\"m-readMoreWidget__titleLabel u-shortDecorLineBefore label hidden-sm-up\">Ez is \u00e9rdekelhet:<\/span>\n\t\t<h3 class=\"m-readMoreWidget__title title\">\n\t\t\t<a class=\"m-readMoreWidget__titleLink -secondFont u-bold u-upperCase\" href=\"https:\/\/www.startlap.hu\/vasarlas\/egy-regi-indiai-trukk-amivel-legkondi-nelkul-is-lehutheted-az-otthonod\/\" >Egy r\u00e9gi indiai tr\u00fckk, amivel l\u00e9gkondi n\u00e9lk\u00fcl is leh\u0171theted az otthonod<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/egy-regi-indiai-trukk-amivel-legkondi-nelkul-is-lehutheted-az-otthonod\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n<p>Nem minden bank l\u00e9pett azonban azonnal. <strong>Egyes konstrukci\u00f3kn\u00e1l tov\u00e1bbra is 7-8 sz\u00e1zal\u00e9kos \u00e9ves kamat \u00e9rhet\u0151 el, igaz, ezekhez gyakran \u00faj p\u00e9nz, meghat\u00e1rozott futamid\u0151 vagy m\u00e1s felt\u00e9tel teljes\u00edt\u00e9se sz\u00fcks\u00e9ges.<\/strong><\/p>\n<h2>Ezekn\u00e9l a bankokn\u00e1l m\u00e9g magasabb kamatot lehet el\u00e9rni<\/h2>\n<p>A magasabb kamatot k\u00edn\u00e1l\u00f3 p\u00e9nzint\u00e9zetek k\u00f6z\u00fcl a Trive Bank \u00e9s a Cofidis egyel\u0151re nem reag\u00e1lt az MNB kamatcs\u00f6kkent\u00e9s\u00e9re. A Trive Bank 12 h\u00f3napos futamidej\u0171 eBet\u00e9t Kamatb\u00f3nusz konstrukci\u00f3j\u00e1n\u00e1l \u00e9vi 8 sz\u00e1zal\u00e9kos kamat \u00e9rhet\u0151 el, a sima eBet\u00e9tn\u00e9l pedig 7 sz\u00e1zal\u00e9k. Mindk\u00e9t esetben felt\u00e9tel, hogy ism\u00e9tl\u0151d\u0151 lek\u00f6t\u00e9sr\u0151l legyen sz\u00f3. A Magyar Cofidis Bank Takar\u00e9ksz\u00e1ml\u00e1ja 12 h\u00f3napos lek\u00f6t\u00e9s mellett \u00e9vi 6 sz\u00e1zal\u00e9kos, k\u00e9t \u00e9vre pedig 6,15 sz\u00e1zal\u00e9kos kamatot k\u00edn\u00e1l. Lek\u00f6t\u00f6tt bet\u00e9tben legal\u00e1bb 50 ezer forint helyezhet\u0151 el.<\/p>\n<p>A jelenlegi aj\u00e1nlatok k\u00f6z\u00f6tt t\u00f6bb olyan konstrukci\u00f3 is akad, amely m\u00e9g magasabb kamatot fizet:<\/p>\n<ul>\n<li>a Gr\u00e1nit Bank h\u00e1rom h\u00f3napos eBank bet\u00e9tje \u00e9vi 7 sz\u00e1zal\u00e9kot,<\/li>\n<li>a Gr\u00e1nit Hozamp\u00e1ros bet\u00e9t bet\u00e9ti r\u00e9sze \u00e9vi 8 sz\u00e1zal\u00e9kot,<\/li>\n<li>az MBH Bank h\u00e1rom h\u00f3napos akci\u00f3s bet\u00e9tje \u00e9vi 7 sz\u00e1zal\u00e9kot,<\/li>\n<li>a Trive Bank eBet\u00e9t Kamatb\u00f3nusz konstrukci\u00f3ja \u00e9vi 8 sz\u00e1zal\u00e9kot k\u00edn\u00e1l.<\/li>\n<\/ul>\n<h2>A Gr\u00e1nit Bankn\u00e1l is v\u00e1ltozott az egyik n\u00e9pszer\u0171 bet\u00e9t<\/h2>\n<p>A Gr\u00e1nit Bank 2026. j\u00falius 24-t\u0151l cs\u00f6kkentette a hat h\u00f3napos KamatMax lek\u00f6t\u00f6tt bet\u00e9t kamat\u00e1t, amely \u00edgy m\u00e1r \u00e9vi 5,75 sz\u00e1zal\u00e9k. A Gr\u00e1nit Szimpla lek\u00f6t\u00f6tt bet\u00e9t \u00e9ves kamata 3 sz\u00e1zal\u00e9k. Nem ny\u00faltak viszont a h\u00e1rom h\u00f3napos eBank lek\u00f6t\u00f6tt bet\u00e9thez. Enn\u00e9l tov\u00e1bbra is \u00e9vi 7 sz\u00e1zal\u00e9kos kamat \u00e9rhet\u0151 el, amennyiben az \u00fcgyf\u00e9l aktiv\u00e1lt mobilalkalmaz\u00e1ssal rendelkezik \u00e9s \u00faj p\u00e9nzt helyez el a bankn\u00e1l.<\/p>\n<blockquote class=\"article__extraTxt\"><p>Szint\u00e9n v\u00e1ltozatlan maradt a befektet\u00e9ssel kombin\u00e1lt Hozamp\u00e1ros bet\u00e9t bet\u00e9ti r\u00e9sz\u00e9nek kamata. Enn\u00e9l h\u00e1rom h\u00f3napos futamid\u0151 mellett \u00e9vi 8 sz\u00e1zal\u00e9kos kamat \u00e9rhet\u0151 el.<\/p><\/blockquote>\n<h2>Az MBH Bankn\u00e1l j\u00falius 27-t\u0151l j\u00f6n az alacsonyabb kamat<\/h2>\n<p>Az MBH Bank Akci\u00f3s 12 h\u00f3napos bet\u00e9tj\u00e9nek <a href=\"https:\/\/www.startlap.hu\/vasarlas\/89-ezer-forint-vesztes-magyar-penzlekotes\/\" target=\"_blank\" rel=\"noopener\">kamata<\/a> j\u00falius 27-t\u0151l \u00e9vi 4,75 sz\u00e1zal\u00e9kra cs\u00f6kken. Legal\u00e1bb 100 ezer forint k\u00f6thet\u0151 le, az akci\u00f3s kamat pedig azoknak j\u00e1r, akik a bet\u00e9tlek\u00f6t\u00e9st megel\u0151z\u0151 egy h\u00f3napban lak\u00e1s-takar\u00e9kp\u00e9nzt\u00e1ri szerz\u0151d\u00e9st k\u00f6t\u00f6ttek a Fundamenta-Lak\u00e1skassz\u00e1n\u00e1l. Az Akci\u00f3s 3 h\u00f3napos bet\u00e9tn\u00e9l viszont maradt az \u00e9vi 7 sz\u00e1zal\u00e9kos kamat. Itt szint\u00e9n 100 ezer forint a minimum\u00f6sszeg, \u00e9s csak a lek\u00f6t\u00e9st megel\u0151z\u0151 31 napon bel\u00fcl be\u00e9rkezett p\u00e9nzre vehet\u0151 ig\u00e9nybe a konstrukci\u00f3.<\/p>\n<figure id=\"attachment_2284417\" aria-describedby=\"caption-attachment-2284417\" style=\"width: 755px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-article-size-large-image wp-image-2284417\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/bank-4-755x503.jpg\" alt=\"szerz\u0151d\u00e9sk\u00f6t\u00e9s bankn\u00e1l\" width=\"755\" height=\"503\" srcset=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/bank-4-755x503.jpg 755w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/bank-4-1536x1024.jpg 1536w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/bank-4-2048x1365.jpg 2048w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/bank-4-525x350.jpg 525w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><figcaption id=\"caption-attachment-2284417\" class=\"wp-caption-text\">T\u00f6bb bank visszav\u00e1gta a lek\u00f6t\u00f6tt bet\u00e9tek kamatait, de vannak az\u00e9rt m\u00e9g j\u00f3 aj\u00e1nlatok is a piacon. Fot\u00f3: Getty Images<\/figcaption><\/figure>\n<h2>Az OTP \u00e9s a MagNet Bank is cs\u00f6kkentett<\/h2>\n<p>Az OTP Bank j\u00falius 20-t\u00f3l m\u00e9rs\u00e9kelte a pr\u00e9mium \u00fcgyfelek sz\u00e1m\u00e1ra el\u00e9rhet\u0151, hat h\u00f3napos OTP Pr\u00e9mium bet\u00e9t kamat\u00e1t. Az \u00e9ves kamat jelenleg 5,25 sz\u00e1zal\u00e9k. A konstrukci\u00f3ban \u00faj forr\u00e1s helyezhet\u0151 el, \u00f6sszeghat\u00e1rt\u00f3l f\u00fcggetlen\u00fcl.<\/p>\n<p>A MagNet Bank az akci\u00f3s Prizma forintbet\u00e9tekn\u00e9l hajtott v\u00e9gre kamatcs\u00f6kkent\u00e9st. A jelenlegi kamatok:<\/p>\n<ul>\n<li>3 h\u00f3napos futamid\u0151n\u00e9l \u00e9vi 6,07 sz\u00e1zal\u00e9k,<\/li>\n<li>6 h\u00f3napos futamid\u0151n\u00e9l \u00e9vi 5,03 sz\u00e1zal\u00e9k,<\/li>\n<li>12 h\u00f3napos futamid\u0151n\u00e9l \u00e9vi 4,81 sz\u00e1zal\u00e9k.<\/li>\n<\/ul>\n<p>A felt\u00e9telek nem v\u00e1ltoztak, az akci\u00f3s kamathoz legal\u00e1bb 500 ezer forint friss p\u00e9nzt kell elhelyezni.<\/p>\n<h2>Az MNB kamatv\u00e1g\u00e1sai ut\u00e1n l\u00e9ptek a bankok<\/h2>\n<p>A v\u00e1ltoztat\u00e1sok nem \u00e9rkeztek v\u00e1ratlanul. A Magyar Nemzeti Bank m\u00e1jus \u00f3ta \u00f6sszesen 0,75 sz\u00e1zal\u00e9kponttal, 5,75 sz\u00e1zal\u00e9kra m\u00e9rs\u00e9kelte az alapkamatot. <strong>Gergely P\u00e9ter<\/strong>, a BiztosD\u00f6nt\u00e9s.hu p\u00e9nz\u00fcgyi szak\u00e9rt\u0151je szerint a banki kamatcs\u00f6kkent\u00e9sekre ez\u00e9rt sz\u00e1m\u00edtani lehetett. Az elemz\u0151i v\u00e1rakoz\u00e1sok alapj\u00e1n a k\u00f6zelj\u00f6v\u0151ben legal\u00e1bb egy \u00fajabb jegybanki kamatv\u00e1g\u00e1s is j\u00f6het.<\/p>\n<p>A bankok az akci\u00f3s lek\u00f6t\u00f6tt bet\u00e9tek kamatait sok\u00e1ig annak ellen\u00e9re sem m\u00f3dos\u00edtott\u00e1k, hogy a lakoss\u00e1gi \u00e1llampap\u00edrok el\u00e9rhet\u0151 kamatait az \u00e1llami ad\u00f3ss\u00e1gkezel\u0151 h\u00e1rom h\u00f3nap alatt \u00f6sszesen 1,5 sz\u00e1zal\u00e9kponttal cs\u00f6kkentette. Az elm\u00falt napokban azonban m\u00e1r t\u00f6bb p\u00e9nzint\u00e9zet egym\u00e1s ut\u00e1n jelentette be az \u00faj kond\u00edci\u00f3kat.<\/p>\n<h2>Rengeteg p\u00e9nz hever lek\u00f6t\u00e9s n\u00e9lk\u00fcl a banksz\u00e1ml\u00e1kon<\/h2>\n<p>A magyar h\u00e1ztart\u00e1soknak k\u00f6zben b\u0151ven lenne mit lek\u00f6tni\u00fck. M\u00e1jus v\u00e9g\u00e9n a lakoss\u00e1gi bet\u00e9t\u00e1llom\u00e1ny meghaladta a 14 800 milli\u00e1rd forintot. Ennek t\u00f6bb mint 86 sz\u00e1zal\u00e9k\u00e1t l\u00e1tra sz\u00f3l\u00f3 \u00e9s foly\u00f3sz\u00e1mlabet\u00e9tekben tartott\u00e1k, mik\u00f6zben lek\u00f6t\u00f6tt forint- vagy devizabet\u00e9tben mind\u00f6ssze k\u00f6r\u00fclbel\u00fcl 2 000 milli\u00e1rd forint pihent.<\/p>\n<div class=\"o-widget m-readMoreWidget -readMore u-shortDecorLineAfter row widget-container _ce_measure_widget bigdata-widget read-more\" data-ce-measure-widget=\"olvass tov\u00e1bb\">\n\t<div class=\"m-readMoreWidget__imgWrapper image-wrapper col-12 col-md-4 no-p\">\n\t\t<a class=\"m-readMoreWidget__imgLink\" href=\"https:\/\/www.startlap.hu\/vasarlas\/android-telefon-gemini-sebezhetoseg\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2026\/07\/telefon_kez_-350x285.jpg\" class=\"m-readMoreWidget__img\">\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"m-readMoreWidget__titleWrapper title-wrapper col-12 col-md-8\">\n\t\t<span class=\"m-readMoreWidget__titleLabel u-shortDecorLineBefore label hidden-sm-up\">Ez is \u00e9rdekelhet:<\/span>\n\t\t<h3 class=\"m-readMoreWidget__title title\">\n\t\t\t<a class=\"m-readMoreWidget__titleLink -secondFont u-bold u-upperCase\" href=\"https:\/\/www.startlap.hu\/vasarlas\/android-telefon-gemini-sebezhetoseg\/\" >Nagy a gond az Android telefonokkal: \u00e1tvehetik a vez\u00e9rl\u00e9st a Gemini seg\u00edts\u00e9g\u00e9vel<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/android-telefon-gemini-sebezhetoseg\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>T\u00f6bb bank is visszav\u00e1gta a lek\u00f6t\u00f6tt bet\u00e9tek kamatait, de akadnak m\u00e9g olyan aj\u00e1nlatok, ahol 7-8 sz\u00e1zal\u00e9kos \u00e9ves kamatot is el lehet \u00e9rni.<\/p>\n","protected":false},"author":64,"featured_media":2284417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8180],"tags":[11016,18888,12903],"class_list":["post-2284412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-bankok","tag-kamat","tag-valtozas"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2284412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/users\/64"}],"replies":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/comments?post=2284412"}],"version-history":[{"count":5,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2284412\/revisions"}],"predecessor-version":[{"id":2284418,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2284412\/revisions\/2284418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media\/2284417"}],"wp:attachment":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media?parent=2284412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/categories?post=2284412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/tags?post=2284412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}