{"id":2602,"date":"2025-12-14T19:36:43","date_gmt":"2025-12-14T18:36:43","guid":{"rendered":"https:\/\/ujvilagtrend.hu\/?p=2602"},"modified":"2026-01-09T00:04:22","modified_gmt":"2026-01-08T23:04:22","slug":"harom-es-fel-ev-turelmi-ido-utan-jott-a-sokk","status":"publish","type":"post","link":"https:\/\/ujvilagtrend.hu\/?p=2602","title":{"rendered":"H\u00e1rom \u00e9s f\u00e9l \u00e9v t\u00fcrelmi id\u0151 ut\u00e1n j\u00f6tt a sokk"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Az Egyes\u00fclt \u00c1llamokban id\u00e9n <strong>meghaladta a 9 milli\u00f3t<\/strong> azok sz\u00e1ma, akik <strong>megcs\u00fasztak a di\u00e1khitel t\u00f6rleszt\u0151r\u00e9szlet\u00e9nek fizet\u00e9s\u00e9vel<\/strong>, vagy <strong>egy\u00e1ltal\u00e1n nem tudnak t\u00f6rleszteni<\/strong> \u2013 \u00edrta a <a href=\"https:\/\/www.guancha.cn\/internation\/2025_12_14_800392.shtml\" title=\"\">Financial Times<\/a> az amerikai p\u00e9nz\u00fcgyi stabilit\u00e1si tan\u00e1cs (FSOC) adataira hivatkozva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Joe Biden<\/strong> korm\u00e1nya a Covid\u201319 elej\u00e9n, 2020 m\u00e1rcius\u00e1t\u00f3l <strong>3 \u00e9s f\u00e9l \u00e9vre befagyasztotta a di\u00e1khitelek t\u00f6rleszt\u00e9s\u00e9t<\/strong>. A morat\u00f3rium 2023 \u0151sz\u00e9n j\u00e1rt le, a k\u00e9sedelmeket viszont csak 2024 szeptember\u00e9t\u0151l kezdt\u00e9k el ism\u00e9t felt\u00fcntetni az \u00e9rintettek hitelm\u00falt\u00f6rt\u00e9net\u00e9ben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A New York-i <strong>Fed <\/strong>szerint a <strong>1,65 billi\u00f3 doll\u00e1ros di\u00e1khitel-\u00e1llom\u00e1ny 9,6 sz\u00e1zal\u00e9ka<\/strong> m\u00e1r 90 napn\u00e1l is r\u00e9gebben k\u00e9sik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Zuhan\u00f3 hitelmin\u0151s\u00edt\u00e9s, elhalasztott \u00e9letkezd\u00e9s<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A hitelinform\u00e1ci\u00f3s c\u00e9gek szerint a di\u00e1khitel havi t\u00f6rleszt\u00e9s\u00e9nek <strong>medi\u00e1nja 200 doll\u00e1r (65 ezer forint) k\u00f6r\u00fcl van<\/strong>, amit a gyeng\u00fcl\u0151 munkaer\u0151piacon <strong>sok friss diplom\u00e1s<\/strong> m\u00e1r nem tud kigazd\u00e1lkodni. \u201e<strong>Egyszer\u0171en nincs p\u00e9nz\u00fck<\/strong>\u201d \u2013 fogalmazott Charlie Wise, a TransUnion vezet\u0151 elemz\u0151je.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az FSOC szerint az idei k\u00e9sedelem az \u00e9rintettek \u00e1tlagosan 100 pontos hitelmin\u0151s\u00edt\u00e9s-roml\u00e1s\u00e1val j\u00e1rt: sokan a 600 pont feletti \u201emajdnem j\u00f3\u201d kateg\u00f3ri\u00e1b\u00f3l 550 pont alatti, <strong>\u201esubprime\u201d szintre estek vissza<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A rosszabb min\u0151s\u00edt\u00e9s dr\u00e1g\u00e1bb aut\u00f3- \u00e9s lak\u00e1shiteleket, sokakn\u00e1l pedig egyszer\u0171en <strong>a hitelpiacr\u00f3l val\u00f3 kizuhan\u00e1st jelenti<\/strong>. Diane Swonk, a KPMG amerikai vezet\u0151 k\u00f6zgazd\u00e1sza szerint ez megnehez\u00edti, hogy a fiatalok bel\u00e9pjenek az \u201eels\u0151 lak\u00e1s \u2013 els\u0151 vagyon\u201d szintre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rendszerszint\u0171 bajra mutat a di\u00e1khitel-v\u00e1ls\u00e1g<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Szak\u00e9rt\u0151k szerint a j\u00e1rv\u00e1ny alatti er\u0151s amerikai fisk\u00e1lis \u00e9s monet\u00e1ris stimulus most \u201evisszhangzik\u201d a gazdas\u00e1gban, a di\u00e1khitel-k\u00e9sedelem csak az egyik t\u00fcnet. K\u00f6zben <strong>a korm\u00e1ny \u00e9vek \u00f3ta h\u00fazza-halasztja az \u00e9rdemi hitelenged\u00e9st<\/strong>, mik\u00f6zben <strong>a jegybank kamatemel\u00e9sei minden hitelt megdr\u00e1g\u00edtottak<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A helyzetr\u0151l mindent elmond egy k\u00fclf\u00f6ldi kommentel\u0151 reakci\u00f3ja az eml\u00edtett jelent\u00e9s alatt: \u201eHa 9 milli\u00f3 v\u00e9gz\u0151s nem tudja id\u0151ben visszafizetni a di\u00e1khitel\u00e9t, akkor ott nyilv\u00e1n valami nagyon nincs rendben.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az Egyes\u00fclt \u00c1llamokban id\u00e9n meghaladta a 9 milli\u00f3t azok sz\u00e1ma, akik megcs\u00fasztak a di\u00e1khitel t\u00f6rleszt\u0151r\u00e9szlet\u00e9nek fizet\u00e9s\u00e9vel, vagy egy\u00e1ltal\u00e1n nem tudnak t\u00f6rleszteni \u2013 \u00edrta a Financial Times az amerikai p\u00e9nz\u00fcgyi stabilit\u00e1si tan\u00e1cs (FSOC) adataira hivatkozva. Joe Biden korm\u00e1nya a Covid\u201319 elej\u00e9n, 2020 m\u00e1rcius\u00e1t\u00f3l 3 \u00e9s f\u00e9l \u00e9vre befagyasztotta a di\u00e1khitelek t\u00f6rleszt\u00e9s\u00e9t. A morat\u00f3rium 2023 \u0151sz\u00e9n j\u00e1rt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2603,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[4558],"tags":[739,4334,84,203,659,931],"class_list":["post-2602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gazdpol","tag-amerikai-gazdasag","tag-diakhitel","tag-egyesult-allamok","tag-fed","tag-hitel","tag-hitelvalsag"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/2602","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2602"}],"version-history":[{"count":1,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/2602\/revisions"}],"predecessor-version":[{"id":2604,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/posts\/2602\/revisions\/2604"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=\/wp\/v2\/media\/2603"}],"wp:attachment":[{"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ujvilagtrend.hu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}