{"id":24559,"date":"2023-02-10T16:11:00","date_gmt":"2023-02-10T15:11:00","guid":{"rendered":"https:\/\/financera.hu\/?post_type=wiki&#038;p=24559"},"modified":"2025-01-24T10:20:34","modified_gmt":"2025-01-24T09:20:34","slug":"bubor","status":"publish","type":"wiki","link":"https:\/\/financera.hu\/hitelek\/cikkek\/bubor\/","title":{"rendered":"BUBOR"},"content":{"rendered":"\n<p>A BUBOR, azaz a <strong>Budapest Interbank Offered Rate<\/strong> a budapesti bankk\u00f6zi forint hitelkamatl\u00e1bat jelenti: ez az a <strong>kamatl\u00e1b,<\/strong> amellyel a kereskedelmi bankok egym\u00e1snak adnak r\u00f6vid futamid\u0151re hiteleket.<\/p>\n\n\n\n<p>A BUBOR hasonl\u00edt a BIRS-hez, azzal a k\u00fcl\u00f6nbs\u00e9ggel, hogy r\u00f6vid t\u00e1vra, azaz <strong>r\u00f6vid futamid\u0151re sz\u00f3l.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3>A BUBOR kamatl\u00e1b megtekint\u00e9se<\/h3>A BUBOR aktu\u00e1lis \u00e9rt\u00e9k\u00e9t megtekintheted a <strong>Magyar Nemzeti Bank<\/strong> oldal\u00e1n. Az MNB minden banki munkanapon <strong>11:00<\/strong>-kor friss\u00edti a BUBOR m\u00e9rt\u00e9k\u00e9t.<p class=\"has-text-left\">\n\t    <a href=\"https:\/\/www.mnb.hu\/monetaris-politika\/penzpiaci-informaciok\/referenciamutato-jegyzesi-bizottsag\/bubor\"   class=\"button is-normal is-primary is-rounded is-large\">Magyar Nemzeti Bank oldala <\/a>\n\t<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3>BUBOR Gyakori K\u00e9rd\u00e9sek<\/h3><h4>Mi a BUBOR jelent\u00e9se?<\/h4><div class=\"faq_inner\">A BUBOR Budapest Interbank Offered Rate-et jelent.<\/div><h4>Ki hat\u00e1rozza meg a BUBOR m\u00e9rt\u00e9k\u00e9t?<\/h4><div class=\"faq_inner\">A BUBOR m\u00e9rt\u00e9k\u00e9nek meghat\u00e1roz\u00e1s\u00e1\u00e9rt a Magyar Nemzeti Bank (MNB) felel\u0151s.<\/div><h4>A BUBOR befoly\u00e1solja a szem\u00e9lyi hitelek kamat\u00e1t?<\/h4><div class=\"faq_inner\">Igen, a BUBOR hat\u00e1ssal van a banki hitelek kamat\u00e1ra. Ha n\u00f6vekszik a BUBOR, akkor a hitelek is dr\u00e1gulni fognak.<\/div><h4>Milyen gyakran v\u00e1ltozik a BUBOR \u00e9rt\u00e9ke?<\/h4><div class=\"faq_inner\">A BUBOR \u00e9rt\u00e9k\u00e9t az MNB naponta hat\u00e1rozza meg, teh\u00e1t a kamat m\u00e9rt\u00e9ke naponta v\u00e1ltozhat.<\/div><h4>Mi\u00f3ta jegyzik a BUBOR-t?<\/h4><div class=\"faq_inner\">A BUBOR-t 1996 augusztusa \u00f3ta jegyzik. Eleinte csak 3 havi \u00e9s 1 havi BUBOR l\u00e9tezett, azonban az \u00e9vek m\u00fal\u00e1s\u00e1val kib\u0151v\u00fclt a jegyzett id\u0151tartamok list\u00e1ja.\n2016 \u00f3ta a Magyar Nemzeti Bank felel\u0151s a BUBOR kezel\u00e9s\u00e9\u00e9rt.<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"A_BUBOR_mrtke_2025_ben\">A BUBOR m\u00e9rt\u00e9ke 2025-ben<\/h2>\n\n\n\n<p><strong>A BUBOR m\u00e9rt\u00e9ke naponta v\u00e1ltozik, <\/strong>ez\u00e9rt ha a legfrissebb \u00e9rt\u00e9ket szeretn\u00e9d megtekinteni, akkor az MNB oldal\u00e1n fogod ezt megtal\u00e1lni.<\/p>\n\n\n\n<p>A cikk meg\u00edr\u00e1sakor (2025. janu\u00e1r 24.) a BUBOR aktu\u00e1lis m\u00e9rt\u00e9kei a k\u00f6vetkez\u0151k:<\/p>\n\n\n\n<ul>\n<li><strong>1 h\u00f3napos BUBOR:<\/strong> 6,5%<\/li>\n\n\n\n<li><strong>3 h\u00f3napos BUBOR: <\/strong>6,5%<\/li>\n\n\n\n<li><strong>6 h\u00f3napos BUBOR:<\/strong> 6,5%<\/li>\n\n\n\n<li><strong>9 h\u00f3napos BUBOR:<\/strong> 6,5%<\/li>\n\n\n\n<li><strong>12 h\u00f3napos BUBOR:<\/strong> 6,5%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"A_BUBOR_fixing_meghatrozsa\">A BUBOR fixing meghat\u00e1roz\u00e1sa<\/h3>\n\n\n\n<p>Az MNB naponta \u00f6sszegy\u0171jti azokat a r\u00f6vid t\u00e1v\u00fa, fedezetlen hiteleket, melyeket a bankok egym\u00e1snak ny\u00fajtanak. <strong>A hitelek kamatjaib\u00f3l az MNB \u00e1tlagot sz\u00e1mol, <\/strong>\u00e9s ez az \u00e1tlag fogja a BUBOR napi m\u00e9rt\u00e9k\u00e9t jelenteni.<\/p>\n\n\n\n<p>Fontos megjegyezni, hogy az \u00e1tlag kisz\u00e1m\u00edt\u00e1sakor a legmagasabb \u00e9s a legalacsonyabb kamatl\u00e1bakat az MNB nem veszi figyelembe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"A_BUBOR_kamat_futamideje\">A BUBOR kamat futamideje<\/h2>\n\n\n\n<p>A BUBOR-t t\u00f6bb id\u0151tartamra jegyzik. Az MNB oldal\u00e1n let\u00f6lthet\u0151 t\u00e1bl\u00e1zatban az \u00f6sszes \u00e9rt\u00e9ket megtal\u00e1lod.<\/p>\n\n\n\n<p><strong>A BUBOR jegyz\u00e9se lehet:<\/strong><\/p>\n\n\n\n<ul>\n<li>napi<\/li>\n\n\n\n<li>1 hetes<\/li>\n\n\n\n<li>2 hetes<\/li>\n\n\n\n<li>1 havi<\/li>\n\n\n\n<li>2 havi<\/li>\n\n\n\n<li>3 havi<\/li>\n\n\n\n<li>6 havi<\/li>\n\n\n\n<li>9 havi<\/li>\n\n\n\n<li>egy \u00e9ves<\/li>\n<\/ul>\n\n\n\n<p>A k\u00fcl\u00f6nb\u00f6z\u0151 peri\u00f3dus\u00fa \u00e9rt\u00e9keknek akkor van jelent\u0151s\u00e9g\u00fck, amikor a BUBOR-t p\u00e9ld\u00e1ul r\u00f6vid futamidej\u0171, <strong>egy \u00e9vn\u00e9l r\u00f6videbb kamatperi\u00f3dussal rendelkez\u0151 lak\u00e1shitelek b\u00e1ziskamatjak\u00e9nt haszn\u00e1lj\u00e1k.<\/strong><\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Hasonl\u00edtsd \u00f6ssze 10 hitelez\u0151 hitelterm\u00e9k\u00e9t<\/h3><p>Tal\u00e1ld meg a legkisebb kamatot egy kattint\u00e1ssal<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"1000000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financera.hu\/hitelhaver?query=1&param_amount=1000000&param_period=720\" data-slider-url=\"https:\/\/financera.hu\/hitelhaver?query=1&param_amount=1000000&param_period=720\" data-required=\"hitelhaver?query=1param_amount=1000000&param_period=720&\" class=\"get_results compare button is-primary is-medium is-rounded\">Aj\u00e1nlatok \u00f6sszehasonl\u00edt\u00e1sa<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"A_BUBOR_alakulsa_2023___2025_kztt\">A BUBOR alakul\u00e1sa 2023 &#8211; 2025 k\u00f6z\u00f6tt<\/h2>\n\n\n\n<p>A k\u00f6vetkez\u0151 BUBOR grafikon megmutatja sz\u00e1modra, hogy a 3 havi BUBOR <strong>2023 \u00e9s 2025 k\u00f6z\u00f6tt<\/strong> hogyan alakult:<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"echarts\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_echarts = echarts.init(document.getElementById('echarts'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"16.05\",\"16.28\",\"16.30\",\"16.23\",\"15.70\",\"15.17\",\"14.26\",\"13.24\",\"12.27\",\"11.40\",\"10.70\",\"9.96\",\"9.74\",\"9.2\",\"8.24\",\"7.82\",\"7.48\",\"6.98\",\"6.88\",\"6.55\",\"6.51\",\"6.31\",\"6.5\",\"6.5\"];\n\t\t\tvar data_name = [\"2023 janu\\u00e1r\",\"2023 febru\\u00e1r\",\"2023 m\\u00e1rcius\",\"2023 \\u00e1prilis\",\"2023 m\\u00e1jus\",\"2023 j\\u00fanius\",\"2023 j\\u00falius\",\"2023 augusztus\",\"2023 szeptember\",\"2023 okt\\u00f3ber\",\"2023 november\",\"2023 december\",\"2024 janu\\u00e1r\",\"2024 febru\\u00e1r\",\"2024 m\\u00e1rcius\",\"2024 \\u00e1prilis\",\"2024 m\\u00e1jus\",\"2024 j\\u00fanius\",\"2024 j\\u00falius\",\"2024 augusztus\",\"2024 szeptember\",\"2024 okt\\u00f3ber\",\"2024 november\",\"2024 december\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; 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2 \u00e9vet hitel n\u00e9lk\u00fcl kib\u00edrni.<p class=\"has-text-left\">\n\t    <a href=\"https:\/\/financera.hu\/hitelek\/szemelyi-kolcson\/\"   class=\"button is-normal is-primary is-rounded is-large\">Szem\u00e9lyi k\u00f6lcs\u00f6n ig\u00e9nyl\u00e9s <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Mire_j_a_BUBOR\">Mire j\u00f3 a BUBOR?<\/h2>\n\n\n\n<p>Az MNB BUBOR egy fontos indik\u00e1tor a magyar piacon:<strong> megmutatja, hogy a p\u00e9nzint\u00e9zetek milyen k\u00f6lts\u00e9gek mellett jutnak ahhoz a p\u00e9nzhez,<\/strong> <strong>amelyet hitelez\u00e9sre haszn\u00e1lnak.<\/strong><\/p>\n\n\n\n<p>Hitelfelvev\u0151k\u00e9nt eszedbe kell jusson, hogy a bank sz\u00e1m\u00e1ra sem k\u00f6lts\u00e9gmentes az a p\u00e9nz, amelyet neked hitelk\u00e9nt foly\u00f3s\u00edt.<\/p>\n\n\n\n<ul>\n<li>Vannak olyan banki hitelek, amelyekn\u00e9l <strong>a kamatot a BUBOR m\u00e9rt\u00e9ke alapj\u00e1n hat\u00e1rozz\u00e1k meg. <\/strong>Ezek \u00e1ltal\u00e1ban v\u00e1ltoz\u00f3 kamattal rendelkez\u0151 <a href=\"https:\/\/financera.hu\/hitelek\/vallalkozoi-hitel\/\" data-type=\"URL\" data-id=\"https:\/\/financera.hu\/hitelek\/vallalkozoi-hitel\/\" target=\"_blank\" rel=\"noreferrer noopener\">v\u00e1llalkoz\u00f3i hitelek<\/a> vagy <a href=\"https:\/\/financera.hu\/hitelek\/lakashitel\/\" data-type=\"URL\" data-id=\"https:\/\/financera.hu\/hitelek\/lakashitel\/\" target=\"_blank\" rel=\"noreferrer noopener\">lak\u00e1shitelek<\/a> szoktak lenni.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Plda\">P\u00e9lda<\/h3>Egy v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa lak\u00e1shitel eset\u00e9n a legt\u00f6bb esetben<strong> az 1 \u00e9ves BUBOR lesz a b\u00e1ziskamat.<\/strong> Erre a bank felsz\u00e1molja a saj\u00e1t haszn\u00e1t, a kamatfel\u00e1rat \u00e9s ezek alapj\u00e1n hat\u00e1rozza meg az ig\u00e9nyl\u0151 \u00e1ltal fizetend\u0151 kamatot.\n<ul>\n<li>A bankok a hasznot sokszor <strong>b\u00e1zispontokkal<\/strong> adj\u00e1k meg. A b\u00e1zispont a sz\u00e1zal\u00e9kpont<strong> 1\/100<\/strong>-ad r\u00e9sze, teh\u00e1t ha a haszon p\u00e9ld\u00e1ul <strong>+250<\/strong> b\u00e1zispont, akkor ez <strong>+2,5%<\/strong>-ot jelent.<\/li>\n<\/ul><\/div>\n\n\n<p>A BUBOR teh\u00e1t a jegybanki alapkamathoz hasonl\u00f3an egy fontos indik\u00e1tor a p\u00e9nz\u00fcgyi int\u00e9zetek \u00e9s a hitelig\u00e9nyl\u0151k sz\u00e1m\u00e1ra. Ha a BUBOR aktu\u00e1lis m\u00e9rt\u00e9k\u00e9re vagy k\u00edv\u00e1ncsi, akkor l\u00e1togasd meg a <a rel=\"noreferrer noopener\" href=\"https:\/\/www.mnb.hu\/monetaris-politika\/penzpiaci-informaciok\/referenciamutato-jegyzesi-bizottsag\/bubor\" data-type=\"URL\" data-id=\"https:\/\/www.mnb.hu\/monetaris-politika\/penzpiaci-informaciok\/referenciamutato-jegyzesi-bizottsag\/bubor\" target=\"_blank\">Magyar Nemzeti Bank weboldal\u00e1t<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"sszefoglal\">\u00d6sszefoglal\u00f3<\/h3>A BUBOR egy fontos p\u00e9nz\u00fcgyi mutat\u00f3, ami a p\u00e9nzint\u00e9zetek k\u00f6z\u00f6tti kamatl\u00e1bat mutatja meg.\nA hitelt ig\u00e9nyl\u0151 szem\u00e9lyek gyakran fognak vele tal\u00e1lkozni, hiszen vannak olyan hitelterm\u00e9kek, amelyekn\u00e9l a BUBOR szolg\u00e1l az alapkamatk\u00e9nt, teh\u00e1t l\u00e9nyeg\u00e9ben befoly\u00e1solja a hitelterm\u00e9k kamatj\u00e1nak m\u00e9rt\u00e9k\u00e9t.<\/div>","protected":false},"author":80,"featured_media":79141,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[51],"_links":{"self":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/wiki\/24559"}],"collection":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/comments?post=24559"}],"version-history":[{"count":26,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/wiki\/24559\/revisions"}],"predecessor-version":[{"id":79349,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/wiki\/24559\/revisions\/79349"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/media\/79141"}],"wp:attachment":[{"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/media?parent=24559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.hu\/wp-json\/wp\/v2\/categories?post=24559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}