{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/hu\/refinanszirozas-vs-konszolidacios-hitelek\/","title":{"rendered":"Refinansz\u00edroz\u00e1s vs. hitelkonszolid\u00e1ci\u00f3"},"content":{"rendered":"<p>A refinansz\u00edroz\u00e1s olyan fogalom, amely szorosan kapcsol\u00f3dik p\u00e9ld\u00e1ul a k\u00f6vetkez\u0151kh\u00f6z\u00a0<strong><a href=\"https:\/\/regbu.com\/hu\/amerikai-hipoteka-klasszikus-lissa\/\">Amerikai jelz\u00e1log<\/a><\/strong>, hagyom\u00e1nyos jelz\u00e1loghitelek, fogyaszt\u00f3i hitelek \u00e9s m\u00e1s t\u00edpus\u00fa hitelek. Ennek a p\u00e9nz\u00fcgyi term\u00e9knek a versenyt\u00e1rsa a hitelkonszolid\u00e1ci\u00f3. Mindkett\u0151nek egy fontos c\u00e9lja van.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A havi t\u00f6rleszt\u0151r\u00e9szletek cs\u00f6kkent\u00e9se<\/li>\n\n\n\n<li>Alacsonyabb kamat<\/li>\n\n\n\n<li>A k\u00f6lts\u00e9gek minimaliz\u00e1l\u00e1sa<\/li>\n<\/ul>\n\n\n\n<p>Fontos azonban tudni, hogy melyek a <em>k\u00fcl\u00f6nbs\u00e9gek a k\u00e9t v\u00e1ltozat k\u00f6z\u00f6tt<\/em>. Mindegyik\u00fcknek nem csak m\u00e1s jelent\u00e9se van. Bizonyos el\u0151ny\u00f6kkel \u00e9s h\u00e1tr\u00e1nyokkal is j\u00e1rnak. Err\u0151l a k\u00f6vetkez\u0151 sorokban meggy\u0151zz\u00fck \u00d6nt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi a hitel refinansz\u00edroz\u00e1sa?<\/h2>\n\n\n\n<p>Amikor azt mondod <strong>hitel refinansz\u00edroz\u00e1s<\/strong>...csak egy dolgot tudsz elk\u00e9pzelni. Laikusan fogalmazva: a r\u00e9gi hitel hely\u00e9be \u00faj hitel l\u00e9p. Ez jobb hitelfelt\u00e9telekkel fog j\u00e1rni. Vagyis alacsonyabb kamatl\u00e1bbal rendelkezik, vagy valami extr\u00e1t k\u00edn\u00e1l. Ez\u00e9rt ezt a l\u00e9p\u00e9st a megtakar\u00edt\u00e1s kil\u00e1t\u00e1sba helyez\u00e9s\u00e9vel fogja megtenni. Ugyanakkor megold\u00e1s lehet, ha nem tudja visszafizetni a kedvez\u0151tlen tartoz\u00e1st.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hitelkonszolid\u00e1ci\u00f3 \u00e9s tov\u00e1bbi inform\u00e1ci\u00f3k<\/h3>\n\n\n\n<p>A konszolid\u00e1ci\u00f3 alapvet\u0151en a refinansz\u00edroz\u00e1son alapul. E kifejez\u00e9s m\u00f6g\u00f6tt azonban a k\u00f6vetkez\u0151 \u00e1ll <strong>egyes\u00fcl\u00e9s, vagy ha \u00fagy tetszik, egyes\u00fcl\u00e9s.<\/strong>. T\u00f6bb hitel egyidej\u0171leg kombin\u00e1l\u00f3dik. Ezek hely\u00e9be val\u00f3j\u00e1ban egyetlen hitel l\u00e9p. Az al\u00e1bbi sorokon kereszt\u00fcl megismerheti mindk\u00e9t megold\u00e1s el\u0151nyeit.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Milyen term\u00e9keket lehet konszolid\u00e1lni?<\/strong> <p class=\"schema-faq-answer\">Ezek lehetnek nem banki hitelek, fogyaszt\u00f3i hitelek, foly\u00f3sz\u00e1mlahitelek \u00e9s hitelk\u00e1rty\u00e1k.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Cs\u00f6kkenthetem a havi t\u00f6rleszt\u0151r\u00e9szletemet refinansz\u00edroz\u00e1ssal?<\/strong> <p class=\"schema-faq-answer\">Igen, els\u0151sorban a kedvez\u0151bb kamatl\u00e1b miatt. Azt\u00e1n a hitel futamidej\u00e9nek meghosszabb\u00edt\u00e1sa is hozz\u00e1j\u00e1rulhat.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Mindig meg\u00e9ri a konszolid\u00e1ci\u00f3?<\/strong> <p class=\"schema-faq-answer\">Nem kell, hogy \u00edgy legyen. Ha p\u00e9ld\u00e1ul a r\u00e9gi hitelek magas el\u0151t\u00f6rleszt\u00e9si b\u00fcntet\u00e9ssel j\u00e1rnak, akkor nem \u00e9ri meg.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Kaphatok extra p\u00e9nzt ezekkel a term\u00e9kekkel?<\/strong> <p class=\"schema-faq-answer\">Igen, mind a konszolid\u00e1ci\u00f3val, mind az \u00fajrafinansz\u00edroz\u00e1ssal extra finansz\u00edroz\u00e1shoz juthat. Csak el\u00e9gg\u00e9 hitelk\u00e9pes \u00fcgyf\u00e9lnek kell lennie. Ez azt jelenti, hogy az \u00faj hitelez\u0151nek bizony\u00edtania kell a hitelk\u00e9pess\u00e9g\u00e9t.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Melyik szolg\u00e1ltat\u00f3 k\u00edn\u00e1l konszolid\u00e1ci\u00f3t \u00e9s refinansz\u00edroz\u00e1st?<\/strong> <p class=\"schema-faq-answer\">Ezeket a hitelterm\u00e9keket jelenleg nem csak a bankint\u00e9zetek k\u00edn\u00e1lj\u00e1k. A CNB \u00e1ltal enged\u00e9lyezett nem banki v\u00e1llalatok term\u00e9kk\u00edn\u00e1lat\u00e1t is ig\u00e9nybe veheti.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>A refinansz\u00edroz\u00e1s olyan fogalom, amely szorosan kapcsol\u00f3dik p\u00e9ld\u00e1ul az amerikai jelz\u00e1loghitelekhez, a hagyom\u00e1nyos jelz\u00e1loghitelekhez, a fogyaszt\u00e1si hitelekhez \u00e9s m\u00e1s t\u00edpus\u00fa hitelekhez. Ennek a p\u00e9nz\u00fcgyi term\u00e9knek a versenyt\u00e1rsa a hitelkonszolid\u00e1ci\u00f3. Mindkett\u0151nek egy fontos c\u00e9lja van. Fontos azonban ismerni a k\u00e9t lehet\u0151s\u00e9g k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9geket. Mindegyiknek nem csak m\u00e1s a jelent\u00e9se. \u00d6sszef\u00fcggnek ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? 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Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.\",\"inLanguage\":\"hu\"},\"inLanguage\":\"hu\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/hu\\\/refinanszirozas-vs-konszolidacios-hitelek\\\/#faq-question-1691492609378\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/hu\\\/refinanszirozas-vs-konszolidacios-hitelek\\\/#faq-question-1691492609378\",\"name\":\"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. 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