{"id":10,"date":"2025-07-21T19:47:47","date_gmt":"2025-07-21T17:47:47","guid":{"rendered":"https:\/\/xn--szmolgp-iwa0f0e.hu\/?page_id=10"},"modified":"2025-07-21T19:47:47","modified_gmt":"2025-07-21T17:47:47","slug":"thm-kalkulacka","status":"publish","type":"page","link":"https:\/\/xn--szmolgp-iwa0f0e.hu\/cs\/thm-kalkulator\/","title":{"rendered":"Kalkula\u010dka RPSN"},"content":{"rendered":"<h1 class=\"wp-block-heading has-text-align-center\" style=\"margin-bottom:2rem\">Kalkula\u010dka THM \u2013 Ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br<\/h1>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-bottom:3rem\">Spo\u010d\u00edtejte si skute\u010dn\u00e9 n\u00e1klady na \u00fav\u011br pomoc\u00ed THM (Ukazatele celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br). Tento ukazatel zahrnuje v\u0161echny n\u00e1klady a poplatky, a tak ukazuje skute\u010dnou cenu \u00fav\u011bru.<\/p>\n\n\n        <div class=\"thm-kalkulator-container\" data-theme=\"default\" data-currency=\"HUF\">\r\n            <div class=\"calculator\">\r\n                <h2>Kalkula\u010dka RPSN<\/h2>\r\n                <p class=\"calculator-description\">P\u0159esn\u00fd v\u00fdpo\u010det ukazatele celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br<\/p>\r\n                \r\n                <div class=\"input-section\">\r\n                    <div class=\"input-group\">\r\n                        <label for=\"loan-amount\">V\u00fd\u0161e \u00fav\u011bru (HUF)<\/label>\r\n                        <input type=\"number\" id=\"loan-amount\" placeholder=\"1000000\" min=\"10000\" step=\"10000\" required>\r\n                        <span class=\"input-hint\">V\u00fd\u0161e poskytnut\u00e9ho \u00fav\u011bru<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"nominal-rate\">Nomin\u00e1ln\u00ed \u00farokov\u00e1 sazba (%)<\/label>\r\n                        <input type=\"number\" id=\"nominal-rate\" placeholder=\"12.5\" min=\"0.1\" max=\"50\" step=\"0.1\" required>\r\n                        <span class=\"input-hint\">Ro\u010dn\u00ed nomin\u00e1ln\u00ed \u00farokov\u00e1 sazba<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"loan-term\">Doba splatnosti (m\u011bs\u00edce)<\/label>\r\n                        <input type=\"number\" id=\"loan-term\" placeholder=\"60\" min=\"1\" max=\"360\" step=\"1\" required>\r\n                        <span class=\"input-hint\">Doba splatnosti \u00fav\u011bru v m\u011bs\u00edc\u00edch<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"payment-frequency\">Frekvence spl\u00e1cen\u00ed<\/label>\r\n                        <select id=\"payment-frequency\">\r\n                            <option value=\"monthly\">M\u011bs\u00ed\u010dn\u011b<\/option>\r\n                            <option value=\"quarterly\">\u010ctvrtletn\u011b<\/option>\r\n                            <option value=\"semi-annual\">Pololetn\u011b<\/option>\r\n                            <option value=\"annual\">Ro\u010dn\u011b<\/option>\r\n                        <\/select>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"processing-fee\">Poplatek za spr\u00e1vu (HUF)<\/label>\r\n                        <input type=\"number\" id=\"processing-fee\" placeholder=\"0\" min=\"0\" step=\"1000\">\r\n                        <span class=\"input-hint\">Jednor\u00e1zov\u00fd poplatek za spr\u00e1vu<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"monthly-fee\">M\u011bs\u00ed\u010dn\u00ed poplatek za spr\u00e1vu (HUF)<\/label>\r\n                        <input type=\"number\" id=\"monthly-fee\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">M\u011bs\u00ed\u010dn\u00ed poplatek za spr\u00e1vu<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"insurance-fee\">Pojistn\u00e9 (HUF)<\/label>\r\n                        <input type=\"number\" id=\"insurance-fee\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9<\/span>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"input-group\">\r\n                        <label for=\"other-fees\">Ostatn\u00ed n\u00e1klady (HUF)<\/label>\r\n                        <input type=\"number\" id=\"other-fees\" placeholder=\"0\" min=\"0\" step=\"100\">\r\n                        <span class=\"input-hint\">Ostatn\u00ed m\u011bs\u00ed\u010dn\u00ed n\u00e1klady<\/span>\r\n                    <\/div>\r\n                <\/div>\r\n                \r\n                <button class=\"calculate-btn\" id=\"calculate-thm\">V\u00fdpo\u010det THM<\/button>\r\n                \r\n                <div class=\"results\" id=\"thm-results\" style=\"display: none;\">\r\n                    <h3>V\u00fdsledky THM<\/h3>\r\n                    \r\n                    <div class=\"results-grid\">\r\n                        <div class=\"result-item primary\">\r\n                            <span class=\"label\">THM (Ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br):<\/span>\r\n                            <span class=\"value\" id=\"thm-rate\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Nomin\u00e1ln\u00ed \u00farokov\u00e1 sazba:<\/span>\r\n                            <span class=\"value\" id=\"nominal-rate-display\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka:<\/span>\r\n                            <span class=\"value\" id=\"monthly-payment\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Celkov\u00fd \u00farok:<\/span>\r\n                            <span class=\"value\" id=\"total-interest\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Celkov\u00e9 n\u00e1klady:<\/span>\r\n                            <span class=\"value\" id=\"total-costs\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Celkov\u00e1 spl\u00e1tka:<\/span>\r\n                            <span class=\"value\" id=\"total-payment\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Pod\u00edl n\u00e1klad\u016f:<\/span>\r\n                            <span class=\"value\" id=\"cost-ratio\">-<\/span>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"result-item\">\r\n                            <span class=\"label\">Efektivn\u00ed ro\u010dn\u00ed \u00farokov\u00e1 sazba:<\/span>\r\n                            <span class=\"value\" id=\"effective-rate\">-<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"cost-breakdown\">\r\n                        <h4>Rozpis n\u00e1klad\u016f<\/h4>\r\n                        <div class=\"cost-chart-container\">\r\n                            <canvas id=\"cost-chart\" width=\"400\" height=\"300\"><\/canvas>\r\n                        <\/div>\r\n                        \r\n                        <div class=\"cost-details\">\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Jistina:<\/span>\r\n                                <span class=\"cost-value\" id=\"principal-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">\u00darok:<\/span>\r\n                                <span class=\"cost-value\" id=\"interest-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Poplatky za spr\u00e1vu:<\/span>\r\n                                <span class=\"cost-value\" id=\"processing-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Poji\u0161t\u011bn\u00ed:<\/span>\r\n                                <span class=\"cost-value\" id=\"insurance-amount\">-<\/span>\r\n                            <\/div>\r\n                            <div class=\"cost-item\">\r\n                                <span class=\"cost-label\">Ostatn\u00ed n\u00e1klady:<\/span>\r\n                                <span class=\"cost-value\" id=\"other-amount\">-<\/span>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    \r\n                    <div class=\"thm-explanation\">\r\n                        <h4>Co je THM?<\/h4>\r\n                        <p>THM (Ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br) ukazuje celkov\u00e9 n\u00e1klady na \u00fav\u011br v ro\u010dn\u00edm procentu. Zahrnuje:<\/p>\r\n                        <ul>\r\n                            <li>Nomin\u00e1ln\u00ed \u00farokovou sazbu<\/li>\r\n                            <li>V\u0161echny poplatky za spr\u00e1vu<\/li>\r\n                            <li>N\u00e1klady na poji\u0161t\u011bn\u00ed<\/li>\r\n                            <li>Ostatn\u00ed n\u00e1klady<\/li>\r\n                        <\/ul>\r\n                        <p><strong>D\u016fle\u017eit\u00e9:<\/strong> THM je v\u017edy vy\u0161\u0161\u00ed nebo rovno nomin\u00e1ln\u00ed \u00farokov\u00e9 sazb\u011b, proto\u017ee zahrnuje v\u0161echny n\u00e1klady.<\/p>\r\n                    <\/div>\r\n                <\/div>\r\n                \r\n                <div class=\"error-message\" id=\"error-message\" style=\"display: none;\">\r\n                    <p id=\"error-text\"><\/p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        \r\n        <script type=\"text\/javascript\">\r\n        if (document.readyState === 'loading') {\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                if (typeof THMCalculator !== 'undefined') {\r\n                    new THMCalculator();\r\n                }\r\n            });\r\n        } else {\r\n            if (typeof THMCalculator !== 'undefined') {\r\n                new THMCalculator();\r\n            }\r\n        }\r\n        <\/script>\r\n        \n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:3rem;margin-bottom:1.5rem\">Co je THM (Ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">THM (Ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br) je procentu\u00e1ln\u00ed ukazatel, kter\u00fd ukazuje skute\u010dn\u00e9 n\u00e1klady na \u00fav\u011br. THM zahrnuje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nomin\u00e1ln\u00ed \u00farokovou sazbu<\/strong> \u2013 z\u00e1kladn\u00ed \u00farokovou sazbu<\/li>\n<li><strong>Poplatky za spr\u00e1vu<\/strong> \u2013 poplatky za poskytnut\u00ed a administrativu \u00fav\u011bru<\/li>\n<li><strong>M\u011bs\u00ed\u010dn\u00ed poplatky<\/strong> \u2013 poplatky za veden\u00ed \u00fa\u010dtu a \u00fadr\u017ebu<\/li>\n<li><strong>Pojistn\u00e9<\/strong> \u2013 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, majetkov\u00e9 poji\u0161t\u011bn\u00ed<\/li>\n<li><strong>Ostatn\u00ed n\u00e1klady<\/strong> \u2013 odhad hodnoty, pr\u00e1vn\u00ed poplatky<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Jak pou\u017e\u00edvat kalkula\u010dku RPSN?<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Zadejte v\u00fd\u0161i \u00fav\u011bru<\/strong> \u2013 v\u00fd\u0161e poskytnut\u00e9ho \u00fav\u011bru<\/li>\n<li><strong>Nomin\u00e1ln\u00ed \u00farokovou sazbu<\/strong> \u2013 ro\u010dn\u00ed \u00farokov\u00e1 sazba v procentech<\/li>\n<li><strong>Doba splatnosti<\/strong> \u2013 doba spl\u00e1cen\u00ed \u00fav\u011bru v m\u011bs\u00edc\u00edch<\/li>\n<li><strong>Frekvence plateb<\/strong> \u2013 m\u011bs\u00ed\u010dn\u011b, \u010dtvrtletn\u011b, pololetn\u011b nebo ro\u010dn\u011b<\/li>\n<li><strong>Zad\u00e1n\u00ed n\u00e1klad\u016f<\/strong> \u2013 administrativn\u00ed, m\u011bs\u00ed\u010dn\u00ed, pojistn\u00e9 a dal\u0161\u00ed poplatky<\/li>\n<li><strong>V\u00fdpo\u010det<\/strong> \u2013 klikn\u011bte na tla\u010d\u00edtko \u201eVypo\u010d\u00edtat RPSN\u201d<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">V\u00fdsledky kalkula\u010dky RPSN<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kalkula\u010dka zobrazuje n\u00e1sleduj\u00edc\u00ed v\u00fdsledky:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RPSN<\/strong> \u2013 ukazatel celkov\u00fdch n\u00e1klad\u016f na \u00fav\u011br v procentech<\/li>\n<li><strong>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/strong> \u2013 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/li>\n<li><strong>Celkov\u00fd \u00farok<\/strong> \u2013 celkov\u00e9 \u00farokov\u00e9 n\u00e1klady<\/li>\n<li><strong>Celkov\u00e9 n\u00e1klady<\/strong> \u2013 administrativn\u00ed, pojistn\u00e9 a dal\u0161\u00ed poplatky<\/li>\n<li><strong>Celkov\u00e1 spl\u00e1tka<\/strong> \u2013 jistina + \u00farok + n\u00e1klady<\/li>\n<li><strong>Pom\u011br n\u00e1klad\u016f<\/strong> \u2013 pom\u011br n\u00e1klad\u016f k jistin\u011b<\/li>\n<li><strong>Efektivn\u00ed \u00farokov\u00e1 sazba<\/strong> \u2013 skute\u010dn\u00e1 \u00farokov\u00e1 sazba<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Pro\u010d je RPSN d\u016fle\u017eit\u00e9?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">RPSN pom\u00e1h\u00e1 dlu\u017en\u00edk\u016fm:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Porovnat<\/strong> r\u016fzn\u00e9 nab\u00eddky \u00fav\u011br\u016f<\/li>\n<li><strong>Pochopit<\/strong> skute\u010dn\u00e9 n\u00e1klady na \u00fav\u011br<\/li>\n<li><strong>Rozhodnout se<\/strong> pro nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku<\/li>\n<li><strong>Vyhnout se<\/strong> skryt\u00fdm n\u00e1klad\u016fm<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">RPSN vs. nomin\u00e1ln\u00ed \u00farokov\u00e1 sazba<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\">\n<table>\n<thead>\n<tr>\n<th>Nomin\u00e1ln\u00ed \u00farokovou sazbu<\/th>\n<th>RPSN<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Pouze z\u00e1kladn\u00ed \u00farokov\u00e1 sazba<\/td>\n<td>Zahrnuje v\u0161echny n\u00e1klady<\/td>\n<\/tr>\n<tr>\n<td>Ni\u017e\u0161\u00ed hodnota<\/td>\n<td>Vy\u0161\u0161\u00ed hodnota<\/td>\n<\/tr>\n<tr>\n<td>Nezobrazuje skute\u010dn\u00e9 n\u00e1klady<\/td>\n<td>Zobrazuje skute\u010dnou cenu \u00fav\u011bru<\/td>\n<\/tr>\n<tr>\n<td>Nevhodn\u00e9 pro srovn\u00e1n\u00ed<\/td>\n<td>Vhodn\u00e9 pro srovn\u00e1n\u00ed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">\u010cast\u00e9 dotazy<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Jak\u00e9 n\u00e1klady zahrnuje RPSN?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RPSN zahrnuje v\u0161echny n\u00e1klady: \u00faroky, administrativn\u00ed poplatky, pojistn\u00e9, m\u011bs\u00ed\u010dn\u00ed poplatky a dal\u0161\u00ed n\u00e1klady.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak\u00fd je rozd\u00edl mezi THM a APR?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">THM je ma\u010farsk\u00fdm ekvivalentem mezin\u00e1rodn\u00edho ukazatele APR (Annual Percentage Rate). Oba slou\u017e\u00ed stejn\u00e9mu \u00fa\u010delu: zobrazen\u00ed skute\u010dn\u00fdch n\u00e1klad\u016f na \u00fav\u011br.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak\u00e9 hodnoty THM pova\u017eujeme za dobrou nab\u00eddku?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Obecn\u011b plat\u00ed, \u017ee ni\u017e\u0161\u00ed hodnoty THM jsou v\u00fdhodn\u011bj\u0161\u00ed. Hodnoty THM nad tr\u017en\u00edm pr\u016fm\u011brem znamenaj\u00ed vy\u0161\u0161\u00ed n\u00e1klady.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"margin-top:2rem;margin-bottom:1.5rem\">Pr\u00e1vn\u00ed informace<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdsledky kalkula\u010dky THM maj\u00ed informativn\u00ed charakter. Pro p\u0159esn\u00e9 v\u00fdpo\u010dty v\u017edy konzultujte s odborn\u00edkem. Podm\u00ednky poskytov\u00e1n\u00ed \u00fav\u011br\u016f stanovuj\u00ed banky a finan\u010dn\u00ed instituce.<\/p>","protected":false},"excerpt":{"rendered":"<p>THM Kalkul\u00e1tor &#8211; Teljes Hiteld\u00edj Mutat\u00f3 Sz\u00e1m\u00edtsa ki a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t a THM (Teljes Hiteld\u00edj Mutat\u00f3) seg\u00edts\u00e9g\u00e9vel. Ez a mutat\u00f3 tartalmazza az \u00f6sszes k\u00f6lts\u00e9get \u00e9s d\u00edjat, \u00edgy a hitel val\u00f3s \u00e1r\u00e1t mutatja. Mi a THM (Teljes Hiteld\u00edj Mutat\u00f3)? A THM (Teljes Hiteld\u00edj Mutat\u00f3) egy olyan sz\u00e1zal\u00e9kos mutat\u00f3, amely a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t mutatja. A &#8230; <a title=\"Kalkula\u010dka RPSN\" class=\"read-more\" href=\"https:\/\/xn--szmolgp-iwa0f0e.hu\/cs\/thm-kalkulator\/\" aria-label=\"\u010c\u00edst v\u00edce o THM Kalkul\u00e1tor\">\u010c\u00edst d\u00e1l<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THM Kalkul\u00e1tor - Sz\u00e1mol\u00f3g\u00e9pek \u00e9s kalkul\u00e1torok gy\u0171jtem\u00e9nye<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/xn--szmolgp-iwa0f0e.hu\/cs\/thm-kalkulacka\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THM Kalkul\u00e1tor - Sz\u00e1mol\u00f3g\u00e9pek \u00e9s kalkul\u00e1torok gy\u0171jtem\u00e9nye\" \/>\n<meta property=\"og:description\" content=\"THM Kalkul\u00e1tor &#8211; Teljes Hiteld\u00edj Mutat\u00f3 Sz\u00e1m\u00edtsa ki a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t a THM (Teljes Hiteld\u00edj Mutat\u00f3) seg\u00edts\u00e9g\u00e9vel. Ez a mutat\u00f3 tartalmazza az \u00f6sszes k\u00f6lts\u00e9get \u00e9s d\u00edjat, \u00edgy a hitel val\u00f3s \u00e1r\u00e1t mutatja. Mi a THM (Teljes Hiteld\u00edj Mutat\u00f3)? A THM (Teljes Hiteld\u00edj Mutat\u00f3) egy olyan sz\u00e1zal\u00e9kos mutat\u00f3, amely a hitel val\u00f3s k\u00f6lts\u00e9g\u00e9t mutatja. 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