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Életciklus és törlesztőrészlet. A reálértékben állandó törlesztőrészlet és életciklus-jövedelem alkalmazhatósága a lakáshitelezésben
[Life cycle and monthly repayments: the application of constant real monthly repayments and life-cycle income in the case of housing loans]

Author

Listed:
  • Kovács, Levente
  • Nagy, Ernő

Abstract

Tanulmányunkban a lakáshitelezési szektort vizsgáljuk, amely meghatározó jelentőségű a modern gazdaság működésében. Jelenleg a hitelek folyósítása általánosan elfogadottan nominálisan állandó törlesztőrészlettel történik, a hitelügylet feltételeit a hiteldöntéskor érvényes pillanatnyi jövedelem határozza meg. A hitelintézetek az ügyfél életkorát - ezzel a hátralevő élettartam hosszát - tekintve veszik figyelembe a hitelfelvevők jövőbeli várható életciklusát. Tanulmányunkban a reálértékben állandó hiteltörlesztés jövedelemoldali lehetőségeit elemezzük, és a magyar háztartási adatokat elemezve megvizsgáljuk, hogyan írható le az életciklus- elmélet a lakossági jövedelem és vagyon alakulásában, így a hitelezésben. Ezek alapján egy egyszerű modell alkotásával azt vizsgáljuk, hogy alkalmazható- e a reálértékben állandó törlesztőrészlet és életciklus-jövedelem módszere a lakáshitelezésben. Következtetéseinkben rámutatunk, hogy a két kérdéskör összekapcsolása lehetséges, amivel a lakáshitelezésben rejlő lehetőségek bizonyos feltételek között még inkább kiaknázhatók.* Journal of Economic Literature (JEL) kód: D14, D15, G21, R31.

Suggested Citation

  • Kovács, Levente & Nagy, Ernő, 2020. "Életciklus és törlesztőrészlet. A reálértékben állandó törlesztőrészlet és életciklus-jövedelem alkalmazhatósága a lakáshitelezésben [Life cycle and monthly repayments: the application of constant ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(10), pages 1029-1056.
    • Handle: RePEc:ksa:szemle:1928
    DOI: 10.18414/KSZ.2020.10.1029
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    References listed on IDEAS

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    1. Anna, Petrenko, 2016. "Мaркування готової продукції як складова частина інформаційного забезпечення маркетингової діяльності підприємств овочепродуктового підкомплексу," Agricultural and Resource Economics: International Scientific E-Journal, Agricultural and Resource Economics: International Scientific E-Journal, vol. 2(1), March.
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    More about this item

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D15 - Microeconomics - - Household Behavior - - - Intertemporal Household Choice; Life Cycle Models and Saving
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets

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