{"id":514,"date":"2008-05-23T11:31:51","date_gmt":"2008-05-23T10:31:51","guid":{"rendered":"http:\/\/soci.hu\/blog\/?p=514"},"modified":"2008-05-23T11:31:51","modified_gmt":"2008-05-23T10:31:51","slug":"kamatado-avagy-hogyan-romlik-a-penzunk-a-bankban","status":"publish","type":"post","link":"https:\/\/soci.hu\/blog\/index.php\/2008\/05\/23\/kamatado-avagy-hogyan-romlik-a-penzunk-a-bankban\/","title":{"rendered":"Kamatad\u00f3, avagy hogyan romlik a p\u00e9nz\u00fcnk a bankban"},"content":{"rendered":"

El\u0151rebocs\u00e1jtom, nem vagyok k\u00f6zgazd\u00e1sz, csak egy egyszer\u0171 m\u00e9rn\u00f6k, aki id\u0151nk\u00e9nt na\u00edvan gondolkodik a vil\u00e1g dolgair\u00f3l, de legal\u00e1bb igyekszik gondolkodni.<\/p>\n

Sz\u00e1molgattam kicsit, mit csin\u00e1l a p\u00e9nzem a bankban. Tegy\u00fck fel van 5m Ft-om, amit sok\u00e1ig tudok n\u00e9lk\u00fcl\u00f6zni, mondjuk 10 \u00e9vig, ami ut\u00e1n m\u00e1r nincs kamatad\u00f3 a befektet\u00e9sekre. Mivel a bankban r\u00f6videbb id\u0151kre lehet csak lek\u00f6tni a p\u00e9nzt (sima banksz\u00e1ml\u00e1n, nyilv\u00e1n vannak befektet\u00e9seik is), szembes\u00fcl\u00fcnk a kamatad\u00f3val.
\nA k\u00f6vetkez\u0151 peremfelt\u00e9telekkel sz\u00e1moltam (mesters\u00e9ges, de tal\u00e1n realisztikus). 6% infl\u00e1ci\u00f3, 7% banki kamat, 20% kamatad\u00f3, f\u00e9l \u00e9ves peri\u00f3dusid\u0151. Nyilv\u00e1n szinte minden param\u00e9ter v\u00e1ltozik, de ezeket m\u00e9gis csak le kell fix\u00e1lni, hogy valami kapaszkod\u00f3nk legyen.<\/p>\n

L\u00e1ssuk, mire jutunk 10 \u00e9v alatt:<\/p>\n

\r\n\u00c9v\tT\u0151ke\tKamatad\u00f3\t\tInfl\u00e1ci\u00f3 hat\u00e1sa\r\n0\t5,000,000 Ft\t0\t\t\r\n0.5\t5,138,093 Ft\t27,619 Ft\t\t5,147,815 Ft\r\n1\t5,280,000 Ft\t28,381 Ft\t\t5,300,000 Ft\r\n1.5\t5,425,826 Ft\t29,165 Ft\t\t5,456,684 Ft\r\n2\t5,575,680 Ft\t29,971 Ft\t\t5,618,000 Ft\r\n2.5\t5,729,673 Ft\t30,799 Ft\t\t5,784,085 Ft\r\n3\t5,887,918 Ft\t31,649 Ft\t\t5,955,080 Ft\r\n3.5\t6,050,534 Ft\t32,523 Ft\t\t6,131,130 Ft\r\n4\t6,217,641 Ft\t33,421 Ft\t\t6,312,385 Ft\r\n4.5\t6,389,364 Ft\t34,345 Ft\t\t6,498,998 Ft\r\n5\t6,565,829 Ft\t35,293 Ft\t\t6,691,128 Ft\r\n5.5\t6,747,168 Ft\t36,268 Ft\t\t6,888,938 Ft\r\n6\t6,933,516 Ft\t37,269 Ft\t\t7,092,596 Ft\r\n6.5\t7,125,010 Ft\t38,299 Ft\t\t7,302,274 Ft\r\n7\t7,321,793 Ft\t39,357 Ft\t\t7,518,151 Ft\r\n7.5\t7,524,010 Ft\t40,444 Ft\t\t7,740,411 Ft\r\n8\t7,731,813 Ft\t41,561 Ft\t\t7,969,240 Ft\r\n8.5\t7,945,355 Ft\t42,708 Ft\t\t8,204,835 Ft\r\n9\t8,164,795 Ft\t43,888 Ft\t\t8,447,395 Ft\r\n9.5\t8,390,295 Ft\t45,100 Ft\t\t8,697,125 Ft\r\n10\t8,622,023 Ft\t46,346 Ft\t\t8,954,238 Ft\r\n\t\t724,405 Ft\t\t\r\n\t\t\t\t\r\nNyeres\u00e9g\t-332,215 Ft\t\t\t\r\n<\/pre>\n
A bankban 10 \u00e9v m\u00falva 8.62M lesz, az adott infl\u00e1ci\u00f3val sz\u00e1molva viszont 8.95M eset\u00e9n lenn\u00e9nk nullszald\u00f3sak. Azaz nemhogy nyer\u00fcnk, de veszt\u00fcnk 330 ezer forintot.
\nAz a szar a kamatad\u00f3ban, hogy a kamatos-kamat exponenci\u00e1lis volt\u00e1t is lap\u00edtja, ez\u00e9rt t\u00f6bbet ront, mint gondoln\u00e1nk. <\/p>\n
K\u00f6zgazd\u00e1sz v\u00e9n\u00e1j\u00faak, tess\u00e9k megmutatni, hol beteg a gondolatmenetem, vagy meger\u0151s\u00edteni, hogy ilyen szar a helyzet?<\/p>\n","protected":false},"excerpt":{"rendered":"
El\u0151rebocs\u00e1jtom, nem vagyok k\u00f6zgazd\u00e1sz, csak egy egyszer\u0171 m\u00e9rn\u00f6k, aki id\u0151nk\u00e9nt na\u00edvan gondolkodik a vil\u00e1g dolgair\u00f3l, de legal\u00e1bb igyekszik gondolkodni. Sz\u00e1molgattam kicsit, mit…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-514","post","type-post","status-publish","format-standard","hentry","category-elet"],"_links":{"self":[{"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/posts\/514","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=514"}],"version-history":[{"count":0,"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/posts\/514\/revisions"}],"wp:attachment":[{"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/soci.hu\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}