{"id":30887,"date":"2026-01-22T08:56:11","date_gmt":"2026-01-22T07:56:11","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/bank-es-penzugy\/"},"modified":"2026-02-01T21:30:10","modified_gmt":"2026-02-01T20:30:10","slug":"bank-es-penzugy","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/hu\/bank-es-penzugy\/","title":{"rendered":"Bank \u00e9s p\u00e9nz\u00fcgy"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udccc 1. P\u00e9nznem<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Hivatalos p\u00e9nznem:<\/strong> T\u00f6r\u00f6k l\u00edra (TRY).<\/li>\n\n\n\n<li>A gyakorlatban az EUR, <strong>GBP \u00e9s USD is gyakran haszn\u00e1latos<\/strong>, k\u00fcl\u00f6n\u00f6sen <strong>ingatlanv\u00e1s\u00e1rl\u00e1s, b\u00e9rbead\u00e1s \u00e9s nemzetk\u00f6zi tranzakci\u00f3k<\/strong> eset\u00e9n <strong>.<\/strong><\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 2. <strong>Bankrendszer<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A TRNC bankszektor\u00e1t a <strong>TRNC K\u00f6zponti Bankja (KKTC Merkez Bankas\u0131)<\/strong> szab\u00e1lyozza <strong>.<\/strong><\/li>\n\n\n\n<li>A TRNC-ben m\u0171k\u00f6d\u0151 bankok a k\u00f6vetkez\u0151k:\n<ul class=\"wp-block-list\">\n<li><strong>Helyi bankok (<\/strong> pl. Koop Bank, Creditwest, Near East Bank)<\/li>\n\n\n\n<li><strong>T\u00f6r\u00f6k bankok (<\/strong> pl. Ziraat Bank, \u0130\u015fbank, Garanti Bank) <strong>fi\u00f3kjai.<\/strong> <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>A TRNC bankjai <strong>nem r\u00e9szei az eur\u00f3pai vagy nemzetk\u00f6zi bankrendszereknek, mint p\u00e9ld\u00e1ul<\/strong> a SWIFT elsz\u00e1mol\u00f3 bankok, de a legt\u00f6bb bank rendelkezik <strong>SWIFT-k\u00f3dokkal<\/strong> a T\u00f6r\u00f6korsz\u00e1gon kereszt\u00fcl t\u00f6rt\u00e9n\u0151 nemzetk\u00f6zi fizet\u00e9sek <strong>fogad\u00e1s\u00e1ra<\/strong> \u00e9s k\u00fcld\u00e9s\u00e9re.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 3. <strong>Banksz\u00e1mlanyit\u00e1s<\/strong><br\/><strong>\u2705 Ki nyithat sz\u00e1ml\u00e1t<\/strong>?<\/p>\n\n<ul class=\"wp-block-list\">\n<li>TRNC \u00e9s t\u00f6r\u00f6k \u00e1llampolg\u00e1rok.<\/li>\n\n\n\n<li>K\u00fclf\u00f6ldiek <strong>\u00e9rv\u00e9nyes \u00fatlev\u00e9llel \u00e9s<\/strong> <strong>tart\u00f3zkod\u00e1si enged\u00e9llyel,<\/strong> vagy legal\u00e1bb <strong>ingatlan ad\u00e1sv\u00e9teli szerz\u0151d\u00e9ssel (<\/strong> bankt\u00f3l <strong>f\u00fcgg\u0151en<\/strong> ).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 Sz\u00fcks\u00e9ges <strong>dokumentumok:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00datlev\u00e9l<\/li>\n\n\n\n<li>Lakc\u00edmigazol\u00e1s (k\u00f6z\u00fczemi sz\u00e1mla a TRNC-ben vagy ingatlanv\u00e1s\u00e1rl\u00e1si\/b\u00e9rleti szerz\u0151d\u00e9s)<\/li>\n\n\n\n<li>Egyes bankokn\u00e1l a TRNC <strong>ad\u00f3azonos\u00edt\u00f3 jel (<\/strong> az ad\u00f3hivatalt\u00f3l <strong>szerezhet\u0151 be<\/strong> ).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Sz\u00e1mlat\u00edpusok:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Foly\u00f3sz\u00e1ml\u00e1k &#8211;<\/strong> a mindennapi tranzakci\u00f3khoz<\/li>\n\n\n\n<li><strong>Megtakar\u00edt\u00e1si sz\u00e1ml\u00e1k &#8211;<\/strong> kamatokat k\u00edn\u00e1lnak (magasabb kamatl\u00e1bak, mint az EU-ban, de magasabb TRY devizakock\u00e1zattal).<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udccc 4. Bet\u00e9tek \u00e9s bet\u00e9tbiztos\u00edt\u00e1s<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A bet\u00e9teket kiz\u00e1r\u00f3lag a <strong>TRNC megtakar\u00edt\u00e1si bet\u00e9tbiztos\u00edt\u00e1si alapja<\/strong> biztos\u00edtja a TRNC t\u00f6rv\u00e9nyeiben meghat\u00e1rozott <strong>\u00f6sszeghat\u00e1rig<\/strong> (~20 000 eur\u00f3nak megfelel\u0151 \u00f6sszeg TRY-ban).<\/li>\n\n\n\n<li>Nem tartoznak <strong>a nemzetk\u00f6zi biztos\u00edt\u00e1si rendszerek (<\/strong> pl. az EU bet\u00e9tbiztos\u00edt\u00e1si rendszere) hat\u00e1lya al\u00e1, mivel a TRNC nem nemzetk\u00f6zileg <strong>elismert.<\/strong><\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 5. <strong>Kamatl\u00e1bak \u00e9s befektet\u00e9sek<\/strong><br\/><strong>\u2705 Kamatl\u00e1bak<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>A TRY<\/strong> -ban vezetett megtakar\u00edt\u00e1si sz\u00e1ml\u00e1k az infl\u00e1ci\u00f3t\u00f3l \u00e9s <strong>a<\/strong> TRNC K\u00f6zponti Bank <strong>politik\u00e1j\u00e1t\u00f3l<\/strong> f\u00fcgg\u0151en l\u00e9nyegesen magasabb kamatot (<strong>\u00e9vi 15-30%)<\/strong> <strong>k\u00edn\u00e1lnak<\/strong>,<strong>mint az EU-ban<\/strong> <strong>.<\/strong><\/li>\n\n\n\n<li>Az <strong>EUR vagy GBP<\/strong> sz\u00e1ml\u00e1k <strong>alacsony vagy nulla kamatoz\u00e1s\u00faak.<\/strong><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 Befektet\u00e9si <strong>term\u00e9kek:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Helyi bankok k\u00edn\u00e1lnak:\n<ul class=\"wp-block-list\">\n<li><strong>Lej\u00e1rat\u00fa bet\u00e9tek (<\/strong> TRY, EUR, GBP)<\/li>\n\n\n\n<li><strong>Helyi befektet\u00e9si alapok (<\/strong> a TRNC \u00e9s a t\u00f6r\u00f6k piacokhoz kapcsol\u00f3dva)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>A glob\u00e1lis r\u00e9szv\u00e9nykereskedelem \u00e1ltal\u00e1ban <strong>t\u00f6r\u00f6k br\u00f3kersz\u00e1ml\u00e1kon<\/strong> kereszt\u00fcl t\u00f6rt\u00e9nik <strong>.<\/strong><\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 6. <strong>Fizet\u00e9sek \u00e9s nemzetk\u00f6zi tranzakci\u00f3k<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>K\u00e1rty\u00e1k:<\/strong> A bankok <strong>VISA vagy Mastercard bet\u00e9ti \u00e9s hitelk\u00e1rty\u00e1kat<\/strong> bocs\u00e1tanak ki <strong>,<\/strong> amelyek a TRNC-n k\u00edv\u00fcl is haszn\u00e1lhat\u00f3k.<\/li>\n\n\n\n<li><strong>K\u00fclf\u00f6ldr\u0151l \u00e9rkez\u0151 kifizet\u00e9sek fogad\u00e1sa:<\/strong>\n<ul class=\"wp-block-list\">\n<li>A legt\u00f6bb bank rendelkezik <strong>SWIFT-k\u00f3dokkal a<\/strong> nemzetk\u00f6zi <strong>\u00e1tutal\u00e1sokhoz<\/strong>.<\/li>\n\n\n\n<li>A kifizet\u00e9sek <strong>t\u00f6r\u00f6korsz\u00e1gi levelez\u0151 bankokon<\/strong> kereszt\u00fcl t\u00f6rt\u00e9nnek <strong>,<\/strong> ami 2-5 <strong>napot<\/strong> vehet ig\u00e9nybe <strong>.<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>K\u00fclf\u00f6ldi fizet\u00e9sek k\u00fcld\u00e9se:<\/strong> \u00c1ltal\u00e1ban <strong>magasabb d\u00edjakkal<\/strong> <strong>,<\/strong> <strong>mint<\/strong> az EU-ban.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 7. <strong>Ad\u00f3k \u00e9s banksz\u00e1ml\u00e1k<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A TRNC bankjaiban elhelyezett bet\u00e9tek <strong>kamatad\u00f3 hat\u00e1lya<\/strong> al\u00e1 tartozhatnak <strong>,<\/strong> amelyet a kamat j\u00f3v\u00e1\u00edr\u00e1sakor automatikusan levonnak (sz\u00e1mlat\u00edpust\u00f3l f\u00fcgg\u0151en ~10-15%).<\/li>\n\n\n\n<li>A TRNC <strong>nem r\u00e9sze a nemzetk\u00f6zi CRS- vagy FATCA-jelent\u00e9si rendszernek,<\/strong> \u00edgy nem t\u00f6rt\u00e9nik automatikus jelent\u00e9st\u00e9tel az EU fel\u00e9.<\/li>\n\n\n\n<li><strong>Megjegyz\u00e9s: Az \u00fcgyfeleknek<\/strong> be kell jelenteni\u00fck j\u00f6vedelm\u00fcket a saj\u00e1t <strong>orsz\u00e1guk ad\u00f3hat\u00f3s\u00e1g\u00e1nak, ha<\/strong> az ad\u00f3\u00fcgyi illet\u0151s\u00e9g\u00fck ezt <strong>megk\u00f6veteli<\/strong>.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc 8. <strong>Kriptovalut\u00e1k \u00e9s fintech<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A kriptovalut\u00e1k <strong>hivatalosan nem szab\u00e1lyozottak \u00e9s nem is tiltottak.<\/strong><\/li>\n\n\n\n<li>N\u00e9h\u00e1ny helyi <strong>fintech v\u00e1llalat lehet\u0151v\u00e9 teszi<\/strong> <strong>a kriptovalut\u00e1k v\u00e1s\u00e1rl\u00e1s\u00e1t \u00e9s elad\u00e1s\u00e1t T\u00f6r\u00f6korsz\u00e1gon kereszt\u00fcl.<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udccc 1. P\u00e9nznem \ud83d\udccc 2. Bankrendszer \ud83d\udccc 3. Banksz\u00e1mlanyit\u00e1s\u2705 Ki nyithat sz\u00e1ml\u00e1t? \u2705 Sz\u00fcks\u00e9ges dokumentumok: \u2705 Sz\u00e1mlat\u00edpusok: \ud83d\udccc 4. Bet\u00e9tek \u00e9s bet\u00e9tbiztos\u00edt\u00e1s \ud83d\udccc 5. Kamatl\u00e1bak \u00e9s befektet\u00e9sek\u2705 Kamatl\u00e1bak: \u2705 Befektet\u00e9si term\u00e9kek: \ud83d\udccc 6. Fizet\u00e9sek \u00e9s nemzetk\u00f6zi tranzakci\u00f3k \ud83d\udccc 7. Ad\u00f3k \u00e9s banksz\u00e1ml\u00e1k \ud83d\udccc 8. Kriptovalut\u00e1k \u00e9s fintech<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[558,528,538,578,583],"tags":[],"class_list":["post-30887","post","type-post","status-publish","format-standard","hentry","category-allampolgarsag-vizum-tartozkodas","category-eszak-ciprus","category-informaciok-vasarloknak","category-jogszabalyok","category-jogszabalyok-eszak-ciprus"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/30887","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/comments?post=30887"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/30887\/revisions"}],"predecessor-version":[{"id":30889,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/30887\/revisions\/30889"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/media?parent=30887"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/categories?post=30887"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/tags?post=30887"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}