{"id":37772,"date":"2023-07-20T17:35:54","date_gmt":"2023-07-20T15:35:54","guid":{"rendered":"https:\/\/www.sharesub.com\/cms\/baratok-kozotti-kolcsonok-miert-es-hogyan\/"},"modified":"2026-04-22T13:25:09","modified_gmt":"2026-04-22T11:25:09","slug":"baratok-kozotti-kolcsonok-miert-es-hogyan","status":"publish","type":"post","link":"https:\/\/www.sharesub.com\/cms\/hu\/baratok-kozotti-kolcsonok-miert-es-hogyan\/","title":{"rendered":"Bar\u00e1tok k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k: mi\u00e9rt \u00e9s hogyan?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A bar\u00e1tok k\u00f6z\u00f6tti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k egyre gyakoribb\u00e1 v\u00e1lnak. Ak\u00e1r egy bajba jutott bar\u00e1tod megseg\u00edt\u00e9s\u00e9re, ak\u00e1r egy kis extra seg\u00edts\u00e9gre van sz\u00fcks\u00e9ged, lehet\u0151v\u00e9 teszik, hogy alkalmi p\u00e9nz\u00fcgyi ig\u00e9nyeidet an\u00e9lk\u00fcl el\u00e9g\u00edtsd ki, hogy bankhoz vagy hagyom\u00e1nyos hitelez\u0151h\u00f6z kellene fordulnod.  <\/p>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Hogyan adhatok k\u00f6lcs\u00f6n p\u00e9nzt egy bar\u00e1tomnak vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tt?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti p\u00e9nzk\u00f6lcs\u00f6nz\u00e9st komolyan kell venni. A f\u00e9lre\u00e9rt\u00e9sek elker\u00fcl\u00e9se \u00e9rdek\u00e9ben \u00edr\u00e1sos szerz\u0151d\u00e9st kell k\u00e9sz\u00edtenie, amely tartalmazza a k\u00f6lcs\u00f6n \u00f6sszeg\u00e9t, a visszafizet\u00e9si felt\u00e9teleket \u00e9s a visszafizet\u00e9si hat\u00e1rid\u0151t.  <\/p>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Hogyan osztja meg a kiad\u00e1sait?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00f6lts\u00e9gek megoszt\u00e1sa bar\u00e1tok vagy lak\u00f3t\u00e1rsak k\u00f6z\u00f6tt <strong>nehezen kezelhet\u0151 <\/strong>. \u00cdme<strong>n\u00e9h\u00e1ny tipp, amely seg\u00edt a kiad\u00e1sok<\/strong> igazs\u00e1gos<strong>megoszt\u00e1s\u00e1ban<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Haszn\u00e1ljon k\u00f6lts\u00e9gmegoszt\u00f3 alkalmaz\u00e1st, mint p\u00e9ld\u00e1ul a <a href=\"https:\/\/www.sharesub.com\/hu\" target=\"_blank\" rel=\"noreferrer noopener\">Sharesub<\/a>.<\/strong><\/li>\n\n\n\n<li>Vezessen nyilv\u00e1ntart\u00e1st a kiad\u00e1sokr\u00f3l, hogy tudja, ki mivel tartozik.<\/li>\n\n\n\n<li>\u00c1ll\u00edtson \u00f6ssze k\u00f6lts\u00e9gvet\u00e9st a k\u00f6z\u00f6s kiad\u00e1sokra.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Melyik alkalmaz\u00e1s a legjobb a k\u00f6lts\u00e9gek megoszt\u00e1s\u00e1ra?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sz\u00e1mos olyan alkalmaz\u00e1s l\u00e9tezik, amely lehet\u0151v\u00e9 teszi, hogy megossza a k\u00f6lts\u00e9geket bar\u00e1taival vagy lak\u00f3t\u00e1rsaival. \u00cdme n\u00e9h\u00e1ny a legn\u00e9pszer\u0171bb alkalmaz\u00e1sok k\u00f6z\u00fcl:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Splitwise<\/strong>: A k\u00f6lts\u00e9gek megoszt\u00e1sa mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tt<\/li>\n\n\n\n<li><a href=\"https:\/\/www.sharesub.com\/hu\" target=\"_blank\" rel=\"noreferrer noopener\">\n  <strong>Sharesub<\/strong>\n<\/a> : El\u0151fizet\u00e9sek megoszt\u00e1sa bar\u00e1tok \u00e9s mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tt  <\/li>\n\n\n\n<li><strong>Tricount<\/strong>: Bar\u00e1tok k\u00f6z\u00f6tti kiad\u00e1sok kezel\u00e9se<\/li>\n\n\n\n<li><a href=\"https:\/\/www.paypal.com\/fr\/home\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>PayPal<\/strong><\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Hogyan fizethetem vissza egy bar\u00e1tomnak?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A bar\u00e1ti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n visszafizet\u00e9s\u00e9nek a szerz\u0151d\u00e9s felt\u00e9teleinek megfelel\u0151en kell t\u00f6rt\u00e9nnie. A p\u00e9nzt egy \u00f6sszegben vagy r\u00e9szletekben is visszafizetheti, a meg\u00e1llapod\u00e1s szerint. Fontos a visszafizet\u00e9si hat\u00e1rid\u0151 betart\u00e1sa a vit\u00e1k elker\u00fcl\u00e9se \u00e9rdek\u00e9ben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De mi\u00e9rt \u00e9rdemes megfontolni a bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti hitelfelv\u00e9telt? \u00cdme n\u00e9h\u00e1ny \u00e9rv\u00e9nyes ok:<\/p>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\">Rugalmasabb felt\u00e9telek<\/h2>\n\n<p class=\"wp-block-paragraph\">Ha banki vagy hagyom\u00e1nyos hitelny\u00fajt\u00f3t\u00f3l vesz fel k\u00f6lcs\u00f6nt, val\u00f3sz\u00edn\u0171leg szigor\u00fa visszafizet\u00e9si felt\u00e9telekkel kell szemben\u00e9znie. A bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6nnel rugalmasabb felt\u00e9teleket tudsz kialkudni, amelyek jobban megfelelnek a szem\u00e9lyes helyzetednek.<\/p>\n\n<h2 class=\"wp-block-heading\">Alacsonyabb vagy nulla kamatl\u00e1b<\/h2>\n\n<p class=\"wp-block-paragraph\">A bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k egyik f\u0151 el\u0151nye, hogy a kamatl\u00e1bak alacsonyabbak lehetnek, mint a hagyom\u00e1nyos hitelez\u0151k \u00e1ltal k\u00edn\u00e1ltak. Sok esetben egy\u00e1ltal\u00e1n nincs \u00e9rdekl\u0151d\u00e9s. Ez azt jelenti, hogy alacsonyabb k\u00f6lts\u00e9ggel vehet fel k\u00f6lcs\u00f6nt.<\/p>\n\n<p class=\"wp-block-paragraph\">Most, hogy m\u00e1r tudja, mi\u00e9rt lehet j\u00f3 megold\u00e1s a bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n, n\u00e9zz\u00fck meg, hogyan adhat k\u00f6lcs\u00f6n p\u00e9nzt egy bar\u00e1tj\u00e1nak vagy mag\u00e1nszem\u00e9lynek, \u00e9s hogyan kell visszafizetni egy bar\u00e1tnak.<\/p>\n\n<h2 class=\"wp-block-heading\">Hogyan kezelitek a kiad\u00e1sokat p\u00e1rk\u00e9nt?<\/h2>\n\n<p class=\"wp-block-paragraph\">A kiad\u00e1sok kezel\u00e9se p\u00e1rk\u00e9nt tr\u00fckk\u00f6s v\u00e1llalkoz\u00e1s lehet. \u00cdme n\u00e9h\u00e1ny tipp, amely seg\u00edthet a kiad\u00e1sok kezel\u00e9s\u00e9ben a partner\u00e9vel:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Besz\u00e9lj\u00e9tek meg a k\u00f6z\u00f6s kiad\u00e1sokat \u00e9s azt, hogy hogyan fogj\u00e1tok azokat kezelni.<\/li>\n\n\n\n<li>\u00c1ll\u00edtson \u00f6ssze k\u00f6z\u00f6s k\u00f6lts\u00e9gvet\u00e9st.<\/li>\n\n\n\n<li>A f\u00e9lre\u00e9rt\u00e9sek elker\u00fcl\u00e9se \u00e9rdek\u00e9ben vezessen nyilv\u00e1ntart\u00e1st a kiad\u00e1sokr\u00f3l.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u00d6sszefoglalva, a bar\u00e1tok vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k \u00e9rdekes lehet\u0151s\u00e9get jelenthetnek az alkalmi p\u00e9nz\u00fcgyi ig\u00e9nyek kiel\u00e9g\u00edt\u00e9s\u00e9re. Fontos azonban, hogy sz\u00e1njon id\u0151t a k\u00f6lcs\u00f6n felt\u00e9teleinek megbesz\u00e9l\u00e9s\u00e9re, \u00edr\u00e1sos szerz\u0151d\u00e9s megk\u00f6t\u00e9s\u00e9re \u00e9s a t\u00f6rleszt\u00e9si \u00fctemterv betart\u00e1s\u00e1ra. Ha k\u00e9szen \u00e1ll arra, hogy bar\u00e1ti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tt k\u00f6lcs\u00f6nt vegyen fel, mindenk\u00e9ppen k\u00f6vesse ezeket a tippeket, hogy elker\u00fclje a f\u00e9lre\u00e9rt\u00e9seket.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A bar\u00e1tok k\u00f6z\u00f6tti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k egyre gyakoribb\u00e1 v\u00e1lnak. Ak\u00e1r egy bajba jutott bar\u00e1tod megseg\u00edt\u00e9s\u00e9re, ak\u00e1r egy kis extra seg\u00edts\u00e9gre van sz\u00fcks\u00e9ged, lehet\u0151v\u00e9 teszik,&#8230;<\/p>\n","protected":false},"author":3,"featured_media":37773,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_press_lang":"","_press_original_id":"","_press_pair_id":"","_press_translated_at":"","footnotes":""},"categories":[116],"tags":[],"class_list":["post-37772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bar\u00e1tok k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k: mi\u00e9rt \u00e9s hogyan? - Sharesub<\/title>\n<meta name=\"description\" content=\"A bar\u00e1tok k\u00f6z\u00f6tti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k egyre gyakoribb\u00e1 v\u00e1lnak. Ak\u00e1r egy bajba jutott bar\u00e1tod megseg\u00edt\u00e9s\u00e9re, ak\u00e1r egy kis extra seg\u00edts\u00e9gre van sz\u00fcks\u00e9ged, lehet\u0151v\u00e9 teszik, hogy alkalmi p\u00e9nz\u00fcgyi ig\u00e9nyeidet an\u00e9lk\u00fcl el\u00e9g\u00edtsd ki, hogy bankhoz vagy hagyom\u00e1nyos hitelez\u0151h\u00f6z kellene fordulnod.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sharesub.com\/cms\/hu\/baratok-kozotti-kolcsonok-miert-es-hogyan\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bar\u00e1tok k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k: mi\u00e9rt \u00e9s hogyan? - Sharesub\" \/>\n<meta property=\"og:description\" content=\"A bar\u00e1tok k\u00f6z\u00f6tti vagy mag\u00e1nszem\u00e9lyek k\u00f6z\u00f6tti k\u00f6lcs\u00f6n\u00f6k egyre gyakoribb\u00e1 v\u00e1lnak. 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