{"id":1267,"date":"2026-10-30T00:03:00","date_gmt":"2026-10-29T23:03:00","guid":{"rendered":"https:\/\/www.rivasceleste.com\/2026\/10\/30\/caixabank-ofrece-hipoteca-fija-al-2-85\/"},"modified":"2026-11-05T22:37:14","modified_gmt":"2026-11-05T21:37:14","slug":"caixabank-fix-jelzaloghitel-2-85","status":"publish","type":"post","link":"https:\/\/mail.rivaceleste.com\/hu\/2026\/10\/30\/caixabank-fix-jelzaloghitel-2-85\/","title":{"rendered":"2,85%-os fix kamatoz\u00e1s\u00fa jelz\u00e1loghitelt k\u00edn\u00e1l a CaixaBank"},"content":{"rendered":"<p>A CaixaBank 3% alatt tartja lak\u00e1sv\u00e1s\u00e1rl\u00e1sra szolg\u00e1l\u00f3 fix kamatoz\u00e1s\u00fa jelz\u00e1loghitel\u00e9nek \u00e1r\u00e1t. Mik\u00f6zben a p\u00e9nz\u00fcgyi szektor nagy r\u00e9sze a kamatemelked\u00e9sek miatt dr\u00e1g\u00edtja aj\u00e1nlatait, a katal\u00e1n bank tov\u00e1bbra is 2,85%-os kamattal (4,26% THM) k\u00edn\u00e1lja ezt a hitelt a maxim\u00e1lis kedvezm\u00e9nyekkel.<\/p>\n<p>E felt\u00e9telek el\u00e9r\u00e9s\u00e9hez az \u00fcgyf\u00e9lnek a bank \u00f6sszes el\u0151\u00edr\u00e1s\u00e1t teljes\u00edtenie kell: a fizet\u00e9s\u00e9t vagy rendszeres j\u00f6vedelm\u00e9t a bankhoz kell utaltatnia, lak\u00e1sbiztos\u00edt\u00e1st, valamint \u00e9let- vagy eg\u00e9szs\u00e9gbiztos\u00edt\u00e1st kell k\u00f6tnie, tov\u00e1bb\u00e1 riaszt\u00f3rendszert kell felszereltetnie a lak\u00e1sban.<\/p>\n<p>Kedvezm\u00e9nyek n\u00e9lk\u00fcl a kamat egy sz\u00e1zal\u00e9kponttal emelkedik, \u00e9s a n\u00e9vleges kamat (TIN) 3,85% (4,32% THM).<\/p>\n<p>A CaixaBank fix kamatoz\u00e1s\u00fa jelz\u00e1loghitel\u00e9n\u00e9l nincs foly\u00f3s\u00edt\u00e1si \u00e9s hitelb\u00edr\u00e1lati d\u00edj, el\u0151t\u00f6rleszt\u00e9si d\u00edjat azonban felsz\u00e1m\u00edtanak. A spanyol jelz\u00e1logt\u00f6rv\u00e9ny szerint a szerz\u0151d\u00e9s els\u0151 10 \u00e9v\u00e9ben ez legfeljebb a visszafizetett t\u0151ke 2%-a lehet, \u00e9s csak akkor sz\u00e1m\u00edthat\u00f3 fel, ha az \u00fcgylet p\u00e9nz\u00fcgyi vesztes\u00e9get okoz a banknak. Ezt k\u00f6vet\u0151en a lej\u00e1ratig a d\u00edj legfeljebb 1,5%.<\/p>\n<p>A finansz\u00edroz\u00e1s tekintet\u00e9ben a katal\u00e1n bank a k\u00f6vetkez\u0151 k\u00e9t \u00f6sszeg k\u00f6z\u00fcl a kisebbik legfeljebb 80%-\u00e1t finansz\u00edrozza: az ingatlan becs\u00fclt \u00e9rt\u00e9k\u00e9t vagy az \u00e1lland\u00f3 lak\u00f3hely\u00fcl szolg\u00e1l\u00f3 lak\u00e1s v\u00e9tel\u00e1r\u00e1t. Ennek megfelel\u0151en az aj\u00e1nlat m\u00e1sodik otthon v\u00e1s\u00e1rl\u00e1s\u00e1ra nem vehet\u0151 ig\u00e9nybe.<\/p>\n<p>A futamid\u0151 tekintet\u00e9ben a CaixaBank fix kamatoz\u00e1s\u00fa jelz\u00e1loghitele legfeljebb 30 \u00e9vre k\u00f6thet\u0151, felt\u00e9ve, hogy az ad\u00f3s a hitel lej\u00e1rtakor nem lesz id\u0151sebb 80 \u00e9vesn\u00e9l.<\/p>\n<p><strong>Ingatlanv\u00e1s\u00e1rl\u00e1st, -elad\u00e1st vagy befektet\u00e9st tervez a Costa del Solon?<\/strong> A RIVA CELESTE Real Estate az elej\u00e9t\u0151l a v\u00e9g\u00e9ig \u00d6n mellett \u00e1ll. \u00cdrjon nek\u00fcnk, \u00e9s besz\u00e9lj\u00fck \u00e1t.<\/p>\n<p><em>Forr\u00e1s: <a href=\"https:\/\/www.idealista.com\/news\/finanzas\/hipotecas\/2026\/05\/14\/897563-la-hipoteca-fija-de-caixabank-se-mantiene-por-debajo-del-3-asi-es-la-oferta-actual\" target=\"_blank\" rel=\"nofollow noopener\">idealista\/news<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A CaixaBank kedvezm\u00e9nyekkel 2,85%-on tartja fix kamatoz\u00e1s\u00fa jelz\u00e1loghitel\u00e9t. Ismerje meg a felt\u00e9teleket.<\/p>\n","protected":false},"author":5,"featured_media":1268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"page_builder":"","wds_primary_category":0,"footnotes":""},"categories":[44],"tags":[],"class_list":["post-1267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hirek"],"_links":{"self":[{"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/posts\/1267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/comments?post=1267"}],"version-history":[{"count":1,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/posts\/1267\/revisions"}],"predecessor-version":[{"id":1299,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/posts\/1267\/revisions\/1299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/media\/1268"}],"wp:attachment":[{"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/media?parent=1267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/categories?post=1267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mail.rivaceleste.com\/hu\/wp-json\/wp\/v2\/tags?post=1267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}