{"id":1964,"date":"2018-08-23T14:36:46","date_gmt":"2018-08-23T12:36:46","guid":{"rendered":"https:\/\/financera.hu\/?page_id=1964"},"modified":"2024-05-26T23:40:44","modified_gmt":"2024-05-26T21:40:44","slug":"folyoszamlahitel","status":"publish","type":"page","link":"https:\/\/financera.hu\/hitelek\/folyoszamlahitel\/","title":{"rendered":"Foly\u00f3sz\u00e1mlahitel"},"content":{"rendered":"\n

A foly\u00f3sz\u00e1mlahitel akkor ny\u00fajt seg\u00edts\u00e9get, amikor egy v\u00e1ratlan kiad\u00e1s miatt gyorsan p\u00e9nzre volna sz\u00fcks\u00e9ged.<\/p>\n\n\n\n

Enn\u00e9l a hitelt\u00edpusn\u00e1l<\/a> a bank a hitelkereten bel\u00fcl fizeti<\/strong> azokat a kiad\u00e1sokat, amelyekre neked m\u00e1r nem marad fedezet a foly\u00f3sz\u00e1ml\u00e1don.<\/p>\n\n\n

<\/div>

Rugalmas hitel<\/h3>

A foly\u00f3sz\u00e1mlahitel r\u00e9szben az\u00e9rt n\u00e9pszer\u0171, mert egy rugalmas megold\u00e1st ny\u00fajt a v\u00e1ratlan kiad\u00e1sok<\/strong> fedez\u00e9s\u00e9re.<\/p>\n

A h\u00f3nap v\u00e9g\u00e9n sokszor j\u00f3l j\u00f6het, ha a hitel \u00e1ltal ny\u00fajtott tartal\u00e9k<\/strong> \u00f6sszegb\u0151l<\/strong> k\u00f6ltekezhetsz, amennyiben viszont nem veszed ig\u00e9nybe a p\u00e9nzt, kamatot sem kell ut\u00e1na fizetned.<\/p><\/div>\n\n\n

Foly\u00f3sz\u00e1mlahitel fogalma<\/h2>\n\n\n\n

A foly\u00f3sz\u00e1mlahitel a t\u00f6bbi banki hitelhez k\u00e9pest kisebb \u00f6sszegben ig\u00e9nyelhet\u0151. <\/strong>Jellemz\u0151je az, hogy lakoss\u00e1gi banksz\u00e1mla meg\u00faj\u00edt\u00e1sk\u00e9nt tartj\u00e1k sz\u00e1mon, teh\u00e1t ha elfogy a foly\u00f3sz\u00e1ml\u00e1n tal\u00e1lhat\u00f3 p\u00e9nz\u00f6sszeg, akkor az \u00fcgyf\u00e9l tov\u00e1bb k\u00f6ltekezhet r\u00f3la.<\/strong><\/p>\n\n\n\n

L\u00e9nyeg\u00e9ben ez annyit jelent, hogy a foly\u00f3sz\u00e1ml\u00e1don lev\u0151 egyenleg a hitelkeret erej\u00e9ig negat\u00edv \u00e9rt\u00e9ket is felvehet.<\/p>\n\n\n\n

A kamatot szint\u00e9n a tartoz\u00e1s ut\u00e1n sz\u00e1molj\u00e1k fel,<\/strong> teh\u00e1t a d\u00edjat nem kell az eg\u00e9sz hitelkeretre kifizetni. A kamaton k\u00edv\u00fcl term\u00e9szetesen egy\u00e9b k\u00f6lts\u00e9gekkel is sz\u00e1molni kell.<\/p>\n\n\n\n

A foly\u00f3sz\u00e1mlahitel hitel\u00f6sszege szabadon<\/a> felhaszn\u00e1lhat\u00f3.<\/strong> A hitel\u00f6sszegb\u0151l b\u00e1rmit lehet finansz\u00edrozni, ez\u00e9rt akkor is biztons\u00e1gban \u00e9rezheted magad, ha elfogyna a fizet\u00e9sed.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n

V\u00e1laszd ki a legjobb foly\u00f3sz\u00e1mlahitelt:<\/h3>\n
\n
\n
<\/div>\n
<\/div>\n
<\/div>\n <\/div>\n
\n
\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n \n \n \u00d6sszes\u00edtett \u00e9rt\u00e9kel\u00e9s <\/span>\n <\/th>\n \n \n Min. hitelkeret<\/span><\/th> \n Max. hitelkeret<\/span><\/th> \n Futamid\u0151<\/span><\/th> \n THM<\/span><\/th> \n \n <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td>\n 1.3<\/span><\/a><\/td>\n 100.000 Ft<\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n hat\u00e1rozatlan futamidej\u0171<\/span><\/td>\n 41,73%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td>\n 2.8<\/span><\/a><\/td>\n 100.000 Ft<\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 37,3% – 40,6%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td>\n 2.4<\/span><\/a><\/td>\n 50.000 Ft<\/span><\/td>\n 1.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 20,94%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td>\n 2.0<\/span><\/a><\/td>\n 50.000 Ft <\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n hat\u00e1rozatlan futamidej\u0171<\/span><\/td>\n 38,1%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td>\n 2.5<\/span><\/a><\/td>\n 50.000 Ft<\/span><\/td>\n 1.500.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 36,40%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td>\n 2.9<\/span><\/a><\/td>\n 150.000 Ft<\/span><\/td>\n 1.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 30,40%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td>\n 1.7<\/span><\/a><\/td>\n 200.000 Ft<\/span><\/td>\n nincs meghat\u00e1rozva<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 36,52%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
Ig\u00e9nyl\u00e9s<\/th>\n <\/tr>\n <\/thead>\n
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n \n \n \u00d6sszes\u00edtett \u00e9rt\u00e9kel\u00e9s <\/span>\n <\/th>\n \n Min. hitelkeret<\/span><\/th> \n Max. hitelkeret<\/span><\/th> \n Futamid\u0151<\/span><\/th> \n THM<\/span><\/th> Ig\u00e9nyl\u00e9s <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td>\n 1.3<\/span><\/a><\/td>\n 100.000 Ft<\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n hat\u00e1rozatlan futamidej\u0171<\/span><\/td>\n 41,73%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td>\n 2.8<\/span><\/a><\/td>\n 100.000 Ft<\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 37,3% – 40,6%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td>\n 2.4<\/span><\/a><\/td>\n 50.000 Ft<\/span><\/td>\n 1.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 20,94%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td>\n 2.0<\/span><\/a><\/td>\n 50.000 Ft <\/span><\/td>\n 2.000.000 Ft<\/span><\/td>\n hat\u00e1rozatlan futamidej\u0171<\/span><\/td>\n 38,1%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td>\n 2.5<\/span><\/a><\/td>\n 50.000 Ft<\/span><\/td>\n 1.500.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 36,40%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td>\n 2.9<\/span><\/a><\/td>\n 150.000 Ft<\/span><\/td>\n 1.000.000 Ft<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 30,40%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td>\n 1.7<\/span><\/a><\/td>\n 200.000 Ft<\/span><\/td>\n nincs meghat\u00e1rozva<\/span><\/td>\n 1 \u00e9v<\/span><\/td>\n 36,52%<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n\n\n

Foly\u00f3sz\u00e1mlahitel el\u0151nyei<\/h2>\n\n\n\n

A foly\u00f3sz\u00e1mlahitel \u00e1tmeneti p\u00e9nzhi\u00e1ny p\u00f3tl\u00e1s\u00e1ra lett kital\u00e1lva.<\/strong> A hitelkeretet nem kell teljesen felhaszn\u00e1lni, teh\u00e1t a p\u00e9nzb\u0151l annyit fogsz k\u00f6lteni, amennyire val\u00f3ban sz\u00fcks\u00e9ged van.<\/p>\n\n\n\n

Rajtad m\u00falik az elk\u00f6lt\u00f6tt \u00f6sszeg nagys\u00e1ga \u00e9s az is, hogy mekkora kamatot fizetsz a t\u00f6rleszt\u00e9s sor\u00e1n.<\/p>\n\n\n