{"id":289,"date":"2024-08-05T14:00:10","date_gmt":"2024-08-05T14:00:10","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=289"},"modified":"2026-04-08T15:13:21","modified_gmt":"2026-04-08T15:13:21","slug":"tamogatasok","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/tamogatasok\/","title":{"rendered":"T\u00e1mogat\u00e1sok"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"289\" class=\"elementor elementor-289\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c392540 e-flex e-con-boxed e-con e-parent\" data-id=\"c392540\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e63da4 elementor-widget elementor-widget-heading\" data-id=\"2e63da4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">T\u00e1mogat\u00e1sok<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ae1997 elementor-widget elementor-widget-heading\" data-id=\"5ae1997\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mi az a CSOK Plusz?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed97b80 elementor-widget elementor-widget-text-editor\" data-id=\"ed97b80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz egy 2024. janu\u00e1r 1-t\u0151l ig\u00e9nyelhet\u0151 kedvezm\u00e9nyes kamatoz\u00e1s\u00fa, t\u00e1mogatott lak\u00e1shitel, melyhez lak\u00e1shitel elenged\u00e9s \u00e9s illet\u00e9kmentess\u00e9g kapcsol\u00f3dhat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f8cd22 elementor-widget elementor-widget-n-accordion\" data-id=\"7f8cd22\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1330\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1330\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Gyors \u00f6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1330\" class=\"elementor-element elementor-element-5ae59dc e-con-full e-flex e-con e-child\" data-id=\"5ae59dc\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1330\" class=\"elementor-element elementor-element-bd15473 e-flex e-con-boxed e-con e-child\" data-id=\"bd15473\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88e071d elementor-widget elementor-widget-image\" data-id=\"88e071d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"2560\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-scaled.png\" class=\"attachment-full size-full wp-image-1804\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-scaled.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-120x300.png 120w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-410x1024.png 410w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-768x1920.png 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-614x1536.png 614w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/10-tudnivalo-CSOK-igenyles-819x2048.png 819w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7425919 e-flex e-con-boxed e-con e-parent\" data-id=\"7425919\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d4552f elementor-widget elementor-widget-n-accordion\" data-id=\"9d4552f\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1640\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1640\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen jogszab\u00e1lyokon alapszik a CSOK Plusz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1640\" class=\"elementor-element elementor-element-6361597 e-con-full e-flex e-con e-child\" data-id=\"6361597\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1640\" class=\"elementor-element elementor-element-995c60c e-flex e-con-boxed e-con e-child\" data-id=\"995c60c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e85572 elementor-widget elementor-widget-text-editor\" data-id=\"6e85572\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Els\u0151sorban az \u0151t bevezet\u0151 korm\u00e1nyrendeleten: 518\/2023 (XI.30.) korm\u00e1nyrendelet (a tov\u00e1bbiakban a rendelet) a csal\u00e1dok otthonteremt\u00e9s\u00e9t t\u00e1mogat\u00f3 kedvezm\u00e9nyes CSOK Plusz hitelprogramr\u00f3l.<\/p><p>M\u00e1sodsorban, mint hitelre, vonatkozik r\u00e1 minden m\u00e1s, jelz\u00e1loghitelekre vonatkoz\u00f3 jogszab\u00e1ly is, amiket itt most nem fogunk felsorolni, annyi van bel\u0151l\u00fck.<\/p><p>\u00a0<\/p><p><em>Figyelmeztet<\/em><em>\u00e9<\/em><em>s!<\/em><\/p><p><em>Nem k\u00f6nny\u0171 olvasm\u00e1ny m\u00e9g azoknak sem, akik hozz\u00e1 vannak szokva a jogszab\u00e1lyok olvas\u00e1s\u00e1hoz, r\u00e1ad\u00e1sul el\u00e9g hossz\u00fa is, 43 oldal \u00e9s tele van tem\u00e9rdek hivatkoz\u00e1ssal, ez\u00e9rt a jogszab\u00e1ly l\u00e9nyeg\u00e9t igyekezt\u00fcnk k\u00f6z\u00e9rthet\u0151 form\u00e1ban e hely\u00fctt \u00f6sszefoglalni, ahol sz\u00fcks\u00e9ges, a megfelel\u0151 magyar\u00e1zatokkal ell\u00e1tni \u00e9s gyakorlatb\u00f3l vett p\u00e9ld\u00e1kkal seg\u00edteni a meg\u00e9rt\u00e9s\u00e9t.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc0cf6a elementor-widget elementor-widget-n-accordion\" data-id=\"dc0cf6a\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2300\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2300\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen el\u0151nyei vannak a CSOK Plusznak? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2300\" class=\"elementor-element elementor-element-130fb03 e-con-full e-flex e-con e-child\" data-id=\"130fb03\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2300\" class=\"elementor-element elementor-element-6ec7a14 e-flex e-con-boxed e-con e-child\" data-id=\"6ec7a14\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d2829e elementor-widget elementor-widget-text-editor\" data-id=\"8d2829e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sz\u00e1mszaki szempontb\u00f3l a CSOK Plusz az al\u00e1bbi h\u00e1rom nagy el\u0151nnyel rendelkezik:<\/p><ul><li>kedvezm\u00e9nyes \u00e9s maximaliz\u00e1lt kamatoz\u00e1s<\/li><li>tartoz\u00e1s-\u00e1tv\u00e1llal\u00e1s (lak\u00e1shitel elenged\u00e9s, avagy gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s)<\/li><li>illet\u00e9kmentess\u00e9g (felt\u00e9telekhez k\u00f6t\u00f6tten)<\/li><\/ul><p>A fentieken fel\u00fcl m\u00e9g tov\u00e1bbi el\u0151ny\u00f6k is kapcsol\u00f3dnak hozz\u00e1:<\/p><ul><li>minden kor\u00e1bbin\u00e1l t\u00e1mogatott hitelprogramn\u00e1l nagyobb hitel\u00f6sszeg, ak\u00e1r 50 milli\u00f3 Ft<\/li><li>a 3%-ban maximaliz\u00e1lt kamat miatt v\u00e9delem az esetleges kamatemelked\u00e9st\u0151l (nulla kamatkock\u00e1zat, ha siker\u00fcl minden felt\u00e9telt teljes\u00edteni)<\/li><li>nem csak \u00faj lak\u00e1sv\u00e1s\u00e1rl\u00e1sra vagy \u00e9p\u00edt\u00e9sre, hanem haszn\u00e1lt lak\u00e1s v\u00e1s\u00e1rl\u00e1sra, megl\u00e9v\u0151 b\u0151v\u00edt\u00e9s\u00e9re \u00e9s \u00fajdons\u00e1gk\u00e9nt Otthon Start Program keret\u00e9ben felvett hitel el\u0151t\u00f6rleszt\u00e9s\u00e9re is ugyanazok az \u00f6sszegek \u00e9rhet\u0151ek el<\/li><li>t\u00fcrelmi id\u0151 az els\u0151 \u00e9vben, amikor nem kell t\u0151k\u00e9t fizetni, csak kamatot<\/li><li>kedvezm\u00e9nyes egyszeri d\u00edjak<\/li><li>a jogszab\u00e1lyban megengedett 2%-os el\u0151t\u00f6rleszt\u00e9si d\u00edjjal szemben maximum 1% el\u0151t\u00f6rleszt\u00e9si d\u00edj<\/li><li>ter\u00fcleti megk\u00f6t\u00e9s n\u00e9lk\u00fcl, az orsz\u00e1g b\u00e1rmelyik telep\u00fcl\u00e9s\u00e9n ig\u00e9nybe vehet\u0151<\/li><li>ak\u00e1r Falusi CSOK-kal is kombin\u00e1lhat\u00f3 (korl\u00e1tokkal)<\/li><li>legfeljebb 25 \u00e9ves futamid\u0151<\/li><li>kor\u00e1bbi CSOK-ot ig\u00e9nyl\u0151k sz\u00e1m\u00e1ra is el\u00e9rhet\u0151<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f25f38c elementor-widget elementor-widget-n-accordion\" data-id=\"f25f38c\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2540\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2540\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen kock\u00e1zatai vannak a CSOK Plusznak? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2540\" class=\"elementor-element elementor-element-9dbcd9f e-con-full e-flex e-con e-child\" data-id=\"9dbcd9f\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2540\" class=\"elementor-element elementor-element-d43c297 e-flex e-con-boxed e-con e-child\" data-id=\"d43c297\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d3fc68 elementor-widget elementor-widget-text-editor\" data-id=\"0d3fc68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Hitel felk\u00e9sz\u00edt\u0151 tanfolyamunk egyik r\u00e9sz\u00e9ben r\u00e9szletesen kit\u00e9r\u00fcnk a hitelekkel kapcsolatos kock\u00e1zatokra \u00e9s kezel\u00e9si lehet\u0151s\u00e9geikre, ez\u00e9rt e hely\u00fctt kifejezetten csup\u00e1n a CSOK Pluszn\u00e1l jelentkez\u0151, specifikus elemekr\u0151l lesz sz\u00f3, de ett\u0151l m\u00e9g \u00e9rdemes felt\u00e9rk\u00e9pezni \u00e9s kezelni minden m\u00e1s, \u00e1ltal\u00e1nos, hitellel kapcsolatos kock\u00e1zatot is.<\/p><p>A CSOK Pluszhoz sz\u00e1mos \u00e1llami felt\u00e9tel tartozik, melyek nem teljes\u00edt\u00e9se s\u00falyos k\u00f6vetkezm\u00e9nyeket vonhat maga ut\u00e1n. Melyek ezek?<\/p><ul><li>a hitel ig\u00e9nyl\u00e9sekor vizsg\u00e1lt felt\u00e9telek<\/li><li>a hitel fenn\u00e1ll\u00e1sa alatt teljes\u00edtend\u0151 felt\u00e9telek<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e58ac45 elementor-widget elementor-widget-n-accordion\" data-id=\"e58ac45\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2400\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2400\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen kock\u00e1zatok mer\u00fclnek fel a CSOK Plusz ig\u00e9nyl\u00e9se sor\u00e1n? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2400\" class=\"elementor-element elementor-element-3e4e463 e-con-full e-flex e-con e-child\" data-id=\"3e4e463\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2400\" class=\"elementor-element elementor-element-840924b e-flex e-con-boxed e-con e-child\" data-id=\"840924b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea19d2a elementor-widget elementor-widget-text-editor\" data-id=\"ea19d2a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sz\u00e1mtalan apr\u00f3-csepr\u0151 felt\u00e9telnek kell eleget tenni egy sikeres CSOK Plusz ig\u00e9nyl\u00e9shez, a teljess\u00e9g ig\u00e9nye n\u00e9lk\u00fcl:<\/p><ul><li><strong>nem lehet k<\/strong><strong>\u00f6zeli hozz\u00e1tartoz<\/strong><strong>\u00f3t<\/strong><strong>\u00f3l<\/strong> vagy az \u0151 tulajdon\u00e1ban \u00e1ll\u00f3 gazd\u00e1lkod\u00f3 szervezett\u0151l vett ingatlan megv\u00e1s\u00e1rl\u00e1s\u00e1ra ford\u00edtani<\/li><li>nem \u00e9p\u00edtheti k\u00f6zeli hozz\u00e1tartoz\u00f3 tulajdon\u00e1ban \u00e1ll\u00f3 gazd\u00e1lkod\u00f3 szervezet az \u00e9p\u00edtend\u0151 vagy b\u0151v\u00edtend\u0151 ingatlant<\/li><li>lak\u00e1sv\u00e1s\u00e1rl\u00e1s eset\u00e9n legfeljebb az annak megv\u00e1s\u00e1rl\u00e1s\u00e1ra vonatkoz\u00f3 ad\u00e1sv\u00e9teli megk\u00f6t\u00e9s\u00e9t\u0151l sz\u00e1m\u00edtott <strong>180 napon bel\u00fcl<\/strong> be kell ny\u00fajtani az ig\u00e9nyl\u00e9st, ut\u00e1na elv\u00e9sz a lehet\u0151s\u00e9g<\/li><li><strong>nem lehet olyan lak\u00e1s megv\u00e1s\u00e1rl\u00e1s\u00e1ra<\/strong> ig\u00e9nybe venni, <strong>amit 5 <\/strong><strong>\u00e9<\/strong><strong>ven bel\u00fcl idegen\u00edtett el<\/strong> az ig\u00e9nyl\u0151 (k\u00fcl\u00f6nben mindenki gyorsan elpasszoln\u00e1 a lak\u00e1s\u00e1t \u00e9s visszavenn\u00e9 ezzel a t\u00e1mogatott hitellel)<\/li><li><strong>ugyanazon gyermekre nem lehet t<\/strong><strong>\u00f6bbsz<\/strong><strong>\u00f6r<\/strong> kamatt\u00e1mogatott hitelt ig\u00e9nybe venni. Ha m\u00e9gis volt kor\u00e1bban ilyen, akkor nyilatkozni kell a kor\u00e1bbi t\u00e1mogatott hitel ut\u00e1n kapott kamatt\u00e1mogat\u00e1s \u00f6nk\u00e9ntes visszafizet\u00e9s\u00e9r\u0151l<\/li><li>mindk\u00e9t ig\u00e9nyl\u0151nek <strong>b\u00fcntetlen el\u0151\u00e9let\u0171nek<\/strong> kell lennie, kiv\u00e9ve, ha m\u00e1r mentes\u00fcltek a h\u00e1tr\u00e1nyos jogk\u00f6vetkezm\u00e9nyei al\u00f3l<\/li><li>mindenki <strong>csak egyszer<\/strong> ig\u00e9nyelheti, b\u00e1r tal\u00e1n arra mindenki eml\u00e9kezni fog, ha egyszer m\u00e1r megtette\u2026<\/li><li>legal\u00e1bb az egyik ig\u00e9nyl\u0151nek <strong>megfelel\u0151 TB jogviszonyt<\/strong> kell tudnia igazolni a megel\u0151z\u0151 2 \u00e9vr\u0151l<\/li><li><strong>kor\u00e1bban nem k<\/strong><strong>\u00f6telezt<\/strong><strong>\u00e9k<\/strong> egyik ig\u00e9nyl\u0151t sem hasonl\u00f3 t\u00e1mogat\u00e1s vagy t\u00e1mogatott lak\u00e1shitel <strong>visszafizet<\/strong><strong>\u00e9s<\/strong><strong>\u00e9re<\/strong><\/li><li>\u00e9p\u00edt\u00e9s vagy b\u0151v\u00edt\u00e9s eset\u00e9n a <strong>k<\/strong><strong>\u00f6<\/strong><strong>lts<\/strong><strong>\u00e9gvet<\/strong><strong>\u00e9s 70%-\u00e1r<\/strong><strong>\u00f3l sz\u00e1ml\u00e1t kell bemutatni<\/strong>, ami r\u00f6gt\u00f6n megnehezedik, ha kereket old a kivitelez\u0151\u2026<\/li><\/ul><p>Hogy mi ezekben a kock\u00e1zat? \u201eCsak\u201d annyi, hogy ha v\u00e9letlen\u00fcl rosszul eml\u00e9kezett az ig\u00e9nyl\u00e9skor vagy eleve nem is tudott az adott felt\u00e9telr\u0151l, akkor meg sem kapja a CSOK Pluszt, mik\u00f6zben m\u00e1r fizetett egy foglal\u00f3t vagy elkezdett egy \u00e9p\u00edtkez\u00e9st\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-976febe elementor-widget elementor-widget-n-accordion\" data-id=\"976febe\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1580\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1580\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen kock\u00e1zatokkal kell sz\u00e1molni a CSOK Plusz fenn\u00e1ll\u00e1sa alatt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1580\" class=\"elementor-element elementor-element-2140c9e e-con-full e-flex e-con e-child\" data-id=\"2140c9e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1580\" class=\"elementor-element elementor-element-959a024 e-flex e-con-boxed e-con e-child\" data-id=\"959a024\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-638ee9a elementor-widget elementor-widget-text-editor\" data-id=\"638ee9a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Egy sima hitelhez k\u00e9pest a CSOK Plusz sz\u00e1mos extra, nehezen kalkul\u00e1lhat\u00f3 kock\u00e1zattal terhelt.<\/p><ul><li><em>ez egy hitel, nem egy<\/em><em>\u00f6sszeg\u0171 vissza nem t<\/em><em>\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1s<\/em>: rengeteg helyen \u00fagy t\u00e1lalj\u00e1k, mintha valami soha nem l\u00e1tott \u00f6sszeg\u0171 t\u00e1mogat\u00e1sr\u00f3l lenne sz\u00f3, pedig ez nem az, hanem egy hitel, amit bizony vissza kell fizetni. Igaz, hogy kedvez\u0151bb kamattal, mint t\u00e1mogat\u00e1s n\u00e9lk\u00fcl, de ett\u0151l m\u00e9g kamattal n\u00f6velten kell r\u00e9szletekben visszafizetni.<\/li><li><em>gyermekv\u00e1llal\u00e1s nem teljes\u00fcl<\/em><em>\u00e9se<\/em>: ha m\u00e9g nincs a h\u00e1zasp\u00e1rnak gyermeke, akkor ez a kock\u00e1zat nem elhanyagolhat\u00f3 (p\u00e9nz\u00fcgyi \u00e9rtelemben semmik\u00e9ppen sem), tekintve, hogy becsl\u00e9sek szerint mindk\u00e9t nem eset\u00e9ben kb. 15%-ra tehet\u0151 a medd\u0151k ar\u00e1nya, ami cs\u00f6kkenthet\u0151 ugyan k\u00fcl\u00f6nb\u00f6z\u0151 kezel\u00e9sekkel, de meg nem sz\u00fcntethet\u0151 teljesen. A mennyit kell visszafizetni CSOK Plusz eset\u00e9n fejezetben konkr\u00e9t modellsz\u00e1m\u00edt\u00e1sokkal mutatjuk be, hogy pl. a legnagyobb kock\u00e1zatnak kitett, m\u00e9g gyermektelen p\u00e1rok 3 gyermek v\u00e1llal\u00e1sa eset\u00e9n ak\u00e1r t\u00f6bb mint 30 milli\u00f3 Ft b\u00fcntet\u00e9st is fizethetnek! Az illet\u00e9kkedvezm\u00e9nyen fel\u00fc<\/li><li><em>kamatkock\u00e1zat<\/em>: ebb\u0151l van b\u0151ven a CSOK Pluszn\u00e1l, szemben mondjuk egy teljes futamid\u0151re fix\u00e1lt piaci konstrukci\u00f3 Nem tudni el\u0151re ugyanis, hogy mennyi lesz a kamatt\u00e1mogat\u00e1s sz\u00e1mol\u00e1s\u00e1n\u00e1l ir\u00e1nyad\u00f3 \u00c1KK (\u00c1llamad\u00f3ss\u00e1g Kezel\u0151 K\u00f6zpont) referenciahozam a futamid\u0151 alatt (ki tudn\u00e1 ezt megmondani ak\u00e1r 25 \u00e9vre el\u0151re?), sem azt, hogy a b\u00fcntet\u0151kamat alapj\u00e1ul szolg\u00e1l\u00f3 MNB alapkamat milyen p\u00e1ly\u00e1t \u00edr le a j\u00f6v\u0151ben. Pedig p\u00e9nz\u00fcgyi \u00e9rtelemben nagyon nem mindegy, f\u0151leg a nagyobb \u00f6sszeg\u0171 esetekn\u00e9l, hogy 0,6% (ez volt eddig a minimum)+5%-pont, azaz 5,6%, amivel a b\u00fcntet\u0151kamatot sz\u00e1molni kell vagy \u00e9ppen 13% (2022. szeptember)+5%-pont, azaz 18%-al. \u00cdgy n\u00e9z ki pl. az elm\u00falt 4 \u00e9v\u00fcnk az MNB oldal\u00e1n tal\u00e1lhat\u00f3 t\u00e1bl\u00e1zatban:<\/li><\/ul><p>\u00a0<\/p><p><img decoding=\"async\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/alapkamat.jpg\" alt=\"\" width=\"1772\" height=\"1181\" \/><\/p><p>Hogy mi\u00e9rt van ezeknek jelent\u0151s\u00e9ge? Az \u00c1KK referencia hozam hat\u00e1rozza meg a kamatfordul\u00f3kban (1+1 \u00e9v, onnant\u00f3l pedig 5 \u00e9vente) a k\u00f6vetkez\u0151 kamatperi\u00f3dus\u00a0 kamat\u00e1t, teh\u00e1t egy hosszabb, 20-25 \u00e9ves futamid\u0151 alatt biztosan lesz p\u00e1r fordul\u00f3ja, ha v\u00e9gigmegy a hitel. Az MNB alapkamat alapj\u00e1n sz\u00e1molt b\u00fcntet\u0151kamat pedig minden napt\u00e1ri f\u00e9l\u00e9v els\u0151 napj\u00e1n v\u00e1lt, s \u00edgy minden egyes eltelt f\u00e9l\u00e9vre ut\u00f3lag m\u00e1s-m\u00e1s b\u00fcntet\u0151kamat vonatkozhat. Teh\u00e1t sem azt nem lehet el\u0151re tudni, pontosan mennyi kamatt\u00e1mogat\u00e1st fog kapni, sem azt, hogy erre m\u00e9g mennyi b\u00fcntet\u0151kamat rak\u00f3dik! Ennek kock\u00e1zat\u00e1t sem a bankok, sem az MNB, sem a jogalkot\u00f3 nem fogja \u00d6nt\u0151l \u00e1tv\u00e1llalni, hanem bizony \u00d6nnek kell ezzel sz\u00e1molnia a felv\u00e9telkor.<\/p><p>S ha mindez nem lenne el\u00e9g a kamatkock\u00e1zatb\u00f3l, akkor ne feledkezz\u00fcnk meg arr\u00f3l sem, hogy a kor\u00e1bban kapott kamatt\u00e1mogat\u00e1s \u00e9s egy\u00e9b t\u00e1mogat\u00e1s (illet\u00e9k, gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s) visszafizet\u00e9s\u00e9vel m\u00e9g nem \u00e9rt v\u00e9get a vessz\u0151fut\u00e1sunk, merthogy a h\u00e1tral\u00e9v\u0151 id\u0151re \u00e1t\u00e1raz\u00f3dik a hitel oly m\u00f3don, hogy kiker\u00fcl m\u00f6g\u00fcle az \u00e1llami t\u00e1mogat\u00e1s, s az a n\u00e9lk\u00fcl sz\u00e1m\u00edtott kamatot kell fizetni majd. Ez pedig az indul\u00e1s \u00f3ta magasabb (7,5%-7,9% k\u00f6z\u00f6tti), mint egy piaci hitel\u00e9! Ez\u00e9rt is adj\u00e1k oly sz\u00edvesen a bankok annak, aki v\u00e1llalkozik r\u00e1, hiszen t\u00f6bbet keresnek rajta, mint egy piaci konstrukci\u00f3n.<\/p><p>Ha ezek a %-ok nem is mondanak sokat, akkor praktikusan mindez azt jelenti, hogy pl. a legnagyobb \u00f6sszeg\u0171, 50 milli\u00f3s CSOK Plusz hitel t\u00f6rleszt\u0151je 240.000 Ft k\u00f6r\u00fcli szintr\u0151l a mostani kamatok alapj\u00e1n sz\u00e1molva 320.000 k\u00f6r\u00fclre ugrana a h\u00e1tral\u00e9v\u0151 15 \u00e9v els\u0151 5 \u00e9v\u00e9re, dac\u00e1ra az addigra m\u00e1r 34-35 milli\u00f3 k\u00f6r\u00fcli szintre cs\u00f6kkent t\u0151ketartoz\u00e1snak (ism\u00e9t a 3 v\u00e1llalt gyerekes p\u00e9ld\u00e1t alapul v\u00e9ve).<\/p><ul><li><em>gazdas\u00e1gpolitikai kock\u00e1zat<\/em>: CSOK Plusz ig\u00e9nyl\u0151k\u00e9nt musz\u00e1j sz\u00e1molnia a gazdas\u00e1gpolitika jelentette kock\u00e1zatokkal is, hiszen itt ak\u00e1r egy 25 \u00e9ves id\u0151szakr\u00f3l besz\u00e9l\u00fcnk, ami alatt sz\u00e1mtalan v\u00e1ltoz\u00e1s j\u00f6het \u00e9s ha egy \u00faj korm\u00e1ny nem is ny\u00fal m\u00e1r bele ut\u00f3lag a kor\u00e1bban kihelyezett k\u00f6lcs\u00f6n\u00f6k felt\u00e9teleibe (ami er\u0151s felt\u00e9telez\u00e9s, mert sz\u00e1mtalan p\u00e9ld\u00e1t l\u00e1thattunk erre, alapvet\u0151en a bankok k\u00e1r\u00e1ra, az elm\u00falt \u00e9vekben), de ha a szab\u00e1lyrendszer ugyanaz marad is, egy rosszabb gazdas\u00e1gi peri\u00f3dus v\u00e9gig magasabb kamatokat eredm\u00e9nyezhet, mint amik a kiindul\u00e1skor voltak, s ennek nem csak akkor lehet jelent\u0151s\u00e9ge, ha vissza kell fizetni a kapott kamatt\u00e1mogat\u00e1st, hanem akkor is, ha teljes\u00fclt a gyermekv\u00e1llal\u00e1s, mert min\u00e9l nagyobb az \u00e1llam \u00e1ltal fizetett kamatt\u00e1mogat\u00e1s, ann\u00e1l nagyobb terhet jelenthet az a k\u00f6lts\u00e9gvet\u00e9snek, s \u00edgy ann\u00e1l nagyobb lehet a k\u00e9sztet\u00e9s arra, hogy m\u00e9giscsak hozz\u00e1ny\u00faljanak a felt\u00e9<\/li><li><em>likvidit\u00e1si kock\u00e1zat<\/em>: v\u00e9g\u00fcl ne feledkezz\u00fcnk meg arr\u00f3l az id\u0151z\u00edtett bomb\u00e1r\u00f3l sem, amit az jelent, hogy mindent egy \u00f6sszegben kell visszafizetni 120 napon bel\u00fc Re\u00e1lis-e az sz\u00e9les k\u00f6rben, hogy egy 15-30-50 milli\u00f3s hitel \u00e9s a gyermeknevel\u00e9si k\u00f6lts\u00e9gei mellett 10 \u00e9v alatt siker\u00fcl \u00f6sszegy\u0171jteni t\u00f6bb t\u00edz milli\u00f3 Ft-ot erre a c\u00e9lra is, sokszor egy keresetb\u0151l? Mi marad akkor, az ingatlan elad\u00e1sa? Vagy m\u00e1sik hitel felv\u00e9tele erre a c\u00e9lra? Ahhoz megfelel\u0151 kereset, fedezet is kell abban a pillanatban, ami vagy meglesz \u00e9ppen, vagy nem. Ezek mind a CSOK Plusz ig\u00e9nyl\u0151 kock\u00e1zatai.<\/li><\/ul><p>S mi \u00e1ll mindezekkel szemben a m\u00e9rleg m\u00e1sik serpeny\u0151j\u00e9ben? Egyed\u00fcl az, hogy tal\u00e1n emelkednek tov\u00e1bb (?) annyit m\u00e9g az ingatlan\u00e1rak, hogy annak r\u00e9v\u00e9n, egy esetleges elad\u00e1s seg\u00edts\u00e9g\u00e9vel mindezt ki lehet majd fizetni. No meg, hogy az infl\u00e1ci\u00f3 kell\u0151en magas lesz a felv\u00e9tel ut\u00e1ni 10 \u00e9vben \u00e9s vele a j\u00f6vedelmek legal\u00e1bb azzal azonos m\u00e9rt\u00e9kben emelkednek, emiatt pedig amik most nagyon nagy sz\u00e1moknak t\u0171nnek, azok az id\u0151 el\u0151rehaladt\u00e1val egyre kisebb terhet jelentenek majd.<\/p><p>Ijeszt\u0151ek a fentiek? Tal\u00e1n igen, f\u0151leg amiatt, mert a CSOK Pluszt n\u00e9pszer\u0171s\u00edt\u0151 kamp\u00e1nyok ezekr\u0151l nem, vagy nem el\u00e9gg\u00e9 r\u00e9szletesen tesznek eml\u00edt\u00e9st, \u00edgy aki nem gondolja \u00e1t ezeket, nem is tudja, mire adja a fej\u00e9t. No de hogy is lehetne ezeket \u00e1tgondolni, amikor sem a banki honlapokon, sem az MNB oldal\u00e1n nem t\u00e9rnek ki ezekre ilyen r\u00e9szletess\u00e9ggel, csup\u00e1n a visszafizet\u00e9si k\u00f6telezetts\u00e9ggel j\u00e1r\u00f3 eseteket eml\u00edtik, de arr\u00f3l csak egy-k\u00e9t mondat szerepel a rendeletb\u0151l, hogy ha ez be\u00e1ll, akkor mit \u00e9s hogyan kell sz\u00e1molni, az nem, hogy az mit is jelent t\u00e9nylegesen a gyakorlatban. Ett\u0151l m\u00e9g, mivel egy hitelr\u0151l van sz\u00f3, ezekkel j\u00f3, ha tiszt\u00e1ban van \u00e9s felk\u00e9sz\u00fcl bel\u0151l\u00fck j\u00f3 el\u0151re, vagy ha \u00f6sszess\u00e9g\u00e9ben emiatt \u00fagy \u00e9rzi, ink\u00e1bb nem v\u00e1llalja fel mindezt, s piaci finansz\u00edroz\u00e1ssal oldja meg a c\u00e9lj\u00e1t, az is teljesen \u00e9rthet\u0151.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f17e906 e-flex e-con-boxed e-con e-parent\" data-id=\"f17e906\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d82e5e e-grid e-con-full e-con e-child\" data-id=\"7d82e5e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f3b53db e-con-full e-flex e-con e-child\" data-id=\"f3b53db\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-104183c elementor-widget elementor-widget-image\" data-id=\"104183c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-1024x683.webp\" class=\"attachment-large size-large wp-image-1176\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-1024x683.webp 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-300x200.webp 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-768x512.webp 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-1536x1024.webp 1536w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/happy-family-with-newborn-baby-boy-photo-2048x1366.webp 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3059a09 e-con-full e-flex e-con e-child\" data-id=\"3059a09\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2b8eba elementor-widget elementor-widget-heading\" data-id=\"e2b8eba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Milyen ig\u00e9nyl\u00e9si felt\u00e9telei vannak a CSOK Plusznak?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eee92d9 elementor-widget elementor-widget-text-editor\" data-id=\"eee92d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Van egy n\u00e9h\u00e1ny, kezdve onnan, hogy milyen c\u00e9lra lehet ig\u00e9nyelni, kinek, milyen ingatlanra, mennyi j\u00f6vedelemmel, milyen csal\u00e1di \u00e1llapotban \u00e9s korban stb. Vegy\u00fck \u0151ket sorra az al\u00e1bbiakban!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf8658b elementor-widget elementor-widget-n-accordion\" data-id=\"cf8658b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2170\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2170\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen c\u00e9lokra lehet a CSOK Pluszt felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2170\" class=\"elementor-element elementor-element-102f05e e-con-full e-flex e-con e-child\" data-id=\"102f05e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2170\" class=\"elementor-element elementor-element-ca3dda2 e-flex e-con-boxed e-con e-child\" data-id=\"ca3dda2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2de241e elementor-widget elementor-widget-text-editor\" data-id=\"2de241e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ez l\u00e1tsz\u00f3lag egy egyszer\u0171 k\u00e9rd\u00e9snek t\u0171nik, ugyanis a rendelet szerint lak\u00e1s (vagy h\u00e1z)<\/p><ol style=\"list-style-type: lower-alpha;\"><li>\u00e9p\u00edt\u00e9s\u00e9hez<\/li><li>v\u00e1s\u00e1rl\u00e1s\u00e1hoz<\/li><li>v\u00e1s\u00e1rl\u00e1ssal egybek\u00f6t\u00f6tt b\u0151v\u00edt\u00e9s\u00e9hez vagy<\/li><li>megl\u00e9v\u0151 lak\u00e1s b\u0151v\u00edt\u00e9s\u00e9hez<\/li><li>s kor\u00e1bban felvett Otthon Start hitel el\u0151t\u00f6rleszt\u00e9s\u00e9hez<\/li><\/ol><p>\u00a0<\/p><p>lehet CSOK Pluszt ig\u00e9nyelni. De mik is ezek pontosan? Merthogy ott lenne a l\u00e9nyeg, azokban a fr\u00e1nya r\u00e9szletekben.<\/p><p>Az <strong>\u00e9p\u00edt<\/strong><strong>\u00e9st<\/strong> a rendelet \u00edgy defini\u00e1lja p\u00e9ld\u00e1ul (5. \u00a7. (1) 13. pontja):<\/p><p><em> \u00faj lak\u00e1s: a megl<\/em><em>\u00e9<\/em><em>v\u0151 \u00e9p\u00fclet vagy <\/em><em>\u00e9<\/em><em>p\u00fc<\/em><em>letr<\/em><em>\u00e9<\/em><em>sz \u00e1talak\u00edt\u00e1sa kiv<\/em><em>\u00e9<\/em><em>tel<\/em><em>\u00e9<\/em><em>vel az alapoz\u00e1si munk\u00e1kt<\/em><em>\u00f3<\/em><em>l kezd\u0151d\u0151en \u2013 kiv<\/em><em>\u00e9<\/em><em>ve, ha a megl<\/em><em>\u00e9<\/em><em>v\u0151 alap szak<\/em><em>\u00e9<\/em><em>rt\u0151i v<\/em><em>\u00e9<\/em><em>lem<\/em><em>\u00e9<\/em><em>ny alapj\u00e1n felhaszn\u00e1lhat\u00f3 \u2013 \u00fajonnan <\/em><em>\u00e9<\/em><em>p\u00edtett lak\u00e1s, amelynek az elk<\/em><em>\u00e9<\/em><em>sz\u00fclte haszn\u00e1latbav<\/em><em>\u00e9<\/em><em>teli enged<\/em><em>\u00e9<\/em><em>llyel, a haszn\u00e1latbav<\/em><em>\u00e9<\/em><em>tel tudom\u00e1<\/em><em>sulv<\/em><em>\u00e9<\/em><em>tele megt<\/em><em>\u00f6<\/em><em>rt<\/em><em>\u00e9<\/em><em>nt<\/em><em>\u00e9<\/em><em>nek igazol\u00e1s\u00e1val vagy a fel<\/em><em>\u00e9<\/em><em>p\u00edt<\/em><em>\u00e9<\/em><em>s<\/em><em>\u00e9<\/em><em>nek megt<\/em><em>\u00f6<\/em><em>rt<\/em><em>\u00e9<\/em><em>nt<\/em><em>\u00e9<\/em><em>t tan\u00fas\u00edt\u00f3 <\/em><em>hat<\/em><em>\u00f3<\/em><em>s\u00e1gi bizony\u00edtv\u00e1nnyal igazolhat<\/em><em>\u00f3<\/em><em>, ide<\/em><em>\u00e9<\/em><em>rtve a tany\u00e1n vagy birtokk<\/em><em>\u00f6<\/em><em>zpontban tal\u00e1lhat\u00f3 lak\u00f3\u00e9p\u00fcletet is, <\/em><\/p><p>Teh\u00e1t f\u0151szab\u00e1ly szerint az alapokt\u00f3l \u00fajonnan \u00e9p\u00edtettnek kell lennie. Kiv\u00e9tel az az eset, ha a megl\u00e9v\u0151 alap felhaszn\u00e1lhat\u00f3.<\/p><blockquote><p><em>Megt\u00f6rt\u00e9nt eset\u00fcnk: egyik \u00fcgyfel\u00fcnk egy egykori nyaral\u00f3t bontott le \u00e9s haszn\u00e1lta fel az alapj\u00e1t az \u00faj h\u00e1za meg\u00e9p\u00edt\u00e9s\u00e9hez, de akkor m\u00e9g a CSOK rendeletben ez a kiv\u00e9tel nem szerepelt, ez\u00e9rt \u00e9szrevette az \u00e9rt\u00e9kbecsl\u0151, hogy nem csak az alap maradt, hanem a r\u00e9gi \u00e9p\u00fclet alatti kis pince \u00e9s az oda vezet\u0151 l\u00e9pcs\u0151 is, \u00edgy nem fogadt\u00e1k el a CSOK-hoz ann\u00e1l a bankn\u00e1l. El kellett ezeket t\u00fcntetni\u00fck ahhoz, hogy egy m\u00e1sik bank m\u00e1r megfelel\u0151nek tal\u00e1lja.<\/em><\/p><\/blockquote><p>A <strong>v\u00e1s\u00e1rl\u00e1s<\/strong> legal\u00e1bb egy\u00e9rtelm\u0171, annak sor\u00e1n tulajdont szerez a vev\u0151 \u00e9s az ezt lehet\u0151v\u00e9 tev\u0151 ad\u00e1sv\u00e9telit finansz\u00edroztatja meg a bankkal.<\/p><p>\u00c9rdekesebb a <strong>b\u0151v\u00edt<\/strong><strong>\u00e9s<\/strong> fogalma, amit a CSOK Plusz rendelet 10.\u00a7-a hat\u00e1roz meg:<\/p><p><em>Lak<\/em><em>\u00e1s b\u0151v\u00edt<\/em><em>\u00e9<\/em><em>s<\/em><em>\u00e9<\/em><em>nek min\u0151s\u00fcl a <\/em><em><u>lak\u00e1s hasznos alapter\u00fclet<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>nek legal\u00e1bb egy lak<\/u><\/em><em><u>\u00f3<\/u><\/em><em><u>szob\u00e1val t<\/u><\/em><em><u>\u00f6<\/u><\/em><em><u>rt<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>n\u0151 n<\/u><\/em><em><u>\u00f6<\/u><\/em><em><u>vel<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>se<\/u><\/em><em> \u00e9<\/em><em>rdek<\/em><em>\u00e9<\/em><em>ben v<\/em><em>\u00e9<\/em><em>gzett <\/em><em>\u00e9<\/em><em>p\u00edt<\/em><em>\u00e9<\/em><em>si tev<\/em><em>\u00e9<\/em><em>kenys<\/em><em>\u00e9<\/em><em>g, ide<\/em><em>\u00e9<\/em><em>rtve az <\/em><em>\u00e9<\/em><em>p\u00edtm<\/em><em>\u00e9<\/em><em>ny t<\/em><em>\u00e9<\/em><em>rfogatn<\/em><em>\u00f6<\/em><em>vel<\/em><em>\u00e9<\/em><em>s<\/em><em>\u00e9<\/em><em>vel nem j\u00e1r\u00f3 <\/em><em><u>tet<\/u><\/em><em><u>\u0151t<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>r-be<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>p\u00edt<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>st<\/u><\/em><em>, valamint az <\/em><em><u>emelet-r\u00e1\u00e9p\u00edt<\/u><\/em><em><u>\u00e9<\/u><\/em><em><u>st is<\/u><\/em><em> abban az esetben, ha azok r<\/em><em>\u00e9<\/em><em>v<\/em><em>\u00e9<\/em><em>n nem j<\/em><em>\u00f6<\/em><em>n l<\/em><em>\u00e9tre <\/em><em>\u00faj lak\u00e1<\/em><em>s.<\/em><\/p><p><em>A megl<\/em><em>\u00e9<\/em><em>v\u0151 \u00e9p\u00fc<\/em><em>let, <\/em><em>\u00e9<\/em><em>p\u00fc<\/em><em>letr<\/em><em>\u00e9<\/em><em>sz vagy <\/em><em>\u00e9<\/em><em>p\u00edtm<\/em><em>\u00e9<\/em><em>ny \u00e1talak\u00edt\u00e1sa nem min\u0151s\u00fcl a lak\u00e1s b\u0151v\u00edt<\/em><em>\u00e9<\/em><em>s<\/em><em>\u00e9<\/em><em>nek.<\/em><\/p><p>Vagyis a tet\u0151t\u00e9rben egy \u00faj szoba kialak\u00edt\u00e1sa a tet\u0151 megbont\u00e1sa n\u00e9lk\u00fcl beletartozik ebbe, de pl. a terasz be\u00e9p\u00edt\u00e9se nem lak\u00f3szoba kialak\u00edt\u00e1sa c\u00e9lj\u00e1b\u00f3l vagy a gar\u00e1zs, f\u00e9szer stb. \u00e1t\u00e9p\u00edt\u00e9se az nem.<\/p><p>Mit jelenthet akkor ezek ut\u00e1n a <strong>v\u00e1s\u00e1rl\u00e1ssal egybek<\/strong><strong>\u00f6t\u00f6tt b\u0151v\u00edt\u00e9s<\/strong>? Ezt a fogalmat a falusi CSOK hozta be, meghat\u00e1rozva, hogy mennyi ford\u00edthat\u00f3 a t\u00e1mogat\u00e1sb\u00f3l v\u00e1s\u00e1rl\u00e1sra \u00e9s mennyi b\u0151v\u00edt\u00e9sre. Az\u00e9rt szerepelhet itt is k\u00fcl\u00f6n soron, mert a CSOK+-t mindenki csak egyszer veheti fel. Ha csak v\u00e1s\u00e1rl\u00e1sra, vagy csak b\u0151v\u00edt\u00e9sre lehetne felvenni, akkor pl. az a 3 gyerekes csal\u00e1d, amelyik m\u00e1r a v\u00e1s\u00e1rl\u00e1shoz is hitelt kell, hogy ig\u00e9nyeljen, a b\u0151v\u00edt\u00e9sre m\u00e1r nem tudna, legfeljebb prefer\u00e1lt kistelep\u00fcl\u00e9sen (ez a Falusi CSOK-os telep\u00fcl\u00e9sek hivatalos megnevez\u00e9se) tudn\u00e1 a CSOK Plusz mellett a Falusi CSOK-ot is ig\u00e9nybe venni, az abban meghat\u00e1rozott \u00f6sszegekkel. \u00cdgy viszont egy f\u00fcst alatt erre a k\u00e9t c\u00e9lra is megig\u00e9nyelheti azt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bc245f elementor-widget elementor-widget-text-editor\" data-id=\"8bc245f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e9zz\u00fck akkor ezek ut\u00e1n, hogy milyen speci\u00e1lis k\u00e9rd\u00e9sek mer\u00fclhetnek m\u00e9g fel a CSOK Plusz lehets\u00e9ges c\u00e9ljain\u00e1l.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa6561 elementor-widget elementor-widget-n-accordion\" data-id=\"efa6561\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2510\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00c9p\u00edt\u00e9si telekre lehet-e CSOK Pluszt felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2510\" class=\"elementor-element elementor-element-23af3ff e-con-full e-flex e-con e-child\" data-id=\"23af3ff\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2510\" class=\"elementor-element elementor-element-60b43da e-flex e-con-boxed e-con e-child\" data-id=\"60b43da\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b508eb0 elementor-widget elementor-widget-text-editor\" data-id=\"b508eb0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A rendelet lak\u00e1s vagy egylak\u00e1sos lak\u00f3\u00e9p\u00fclet, k\u00f6znapi nev\u00e9n csal\u00e1di h\u00e1z megv\u00e1s\u00e1rl\u00e1s\u00e1hoz vagy meg\u00e9p\u00edt\u00e9s\u00e9hez teszi el\u00e9rhet\u0151v\u00e9 a CSOK Pluszt, teh\u00e1t nem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a1ac3 elementor-widget elementor-widget-n-accordion\" data-id=\"a2a1ac3\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1700\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1700\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Fel\u00faj\u00edt\u00e1sra lehet-e CSOK Pluszt felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1700\" class=\"elementor-element elementor-element-4461ab3 e-con-full e-flex e-con e-child\" data-id=\"4461ab3\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1700\" class=\"elementor-element elementor-element-967ede1 e-flex e-con-boxed e-con e-child\" data-id=\"967ede1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf3a0c elementor-widget elementor-widget-text-editor\" data-id=\"fdf3a0c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mivel a fel\u00faj\u00edt\u00e1s az egy k\u00fcl\u00f6n\u00e1ll\u00f3 c\u00e9l a lak\u00e1sc\u00e9l\u00fa hiteleken bel\u00fcl, s a rendelet nem eml\u00edti, ez\u00e9rt sem banki, sem k\u00f6znapi \u00e9rtelemben vett fel\u00faj\u00edt\u00e1sra nem lehet ig\u00e9nybe venni a CSOK Pluszt, szemben a Falusi CSOK-kal, amit banki \u00e9rtelemben vett korszer\u0171s\u00edt\u00e9shez viszont lehet ig\u00e9nyelni (csak prefer\u00e1lt kistelep\u00fcl\u00e9sen term\u00e9szetesen).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d15ed3b elementor-widget elementor-widget-n-accordion\" data-id=\"d15ed3b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2190\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2190\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Korszer\u0171s\u00edt\u00e9sre adnak-e CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2190\" class=\"elementor-element elementor-element-a0d7056 e-con-full e-flex e-con e-child\" data-id=\"a0d7056\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2190\" class=\"elementor-element elementor-element-1150b47 e-flex e-con-boxed e-con e-child\" data-id=\"1150b47\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5161c03 elementor-widget elementor-widget-text-editor\" data-id=\"5161c03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ugyan\u00fagy nem, mint ahogy fel\u00faj\u00edt\u00e1sra sem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69931a5 elementor-widget elementor-widget-n-accordion\" data-id=\"69931a5\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1100\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lecser\u00e9lhetem-e CSOK Plusszal a kor\u00e1bbi hitelem? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1100\" class=\"elementor-element elementor-element-d48b479 e-con-full e-flex e-con e-child\" data-id=\"d48b479\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1100\" class=\"elementor-element elementor-element-3af66b9 e-flex e-con-boxed e-con e-child\" data-id=\"3af66b9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cce646c elementor-widget elementor-widget-text-editor\" data-id=\"cce646c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mivel a rendelet nem neves\u00edti hitelc\u00e9lk\u00e9nt a hitelkiv\u00e1lt\u00e1st, ez\u00e9rt arra a c\u00e9lra nem lehet ig\u00e9nybe venni a CSOK Pluszt, kiv\u00e9ve az Otthon Start Program keret\u00e9ben ig\u00e9nyelt hitelt. Ig\u00e9ny persze lenne r\u00e1, de nem c\u00e9lja az \u00e1llamnak ahhoz \u00e1llami kamatt\u00e1mogat\u00e1st adni, hogy kor\u00e1bbi, szinte kiv\u00e9tel n\u00e9lk\u00fcl dr\u00e1g\u00e1bb hiteleket cser\u00e9ljenek le vele a gyermekv\u00e1llal\u00e1s el\u0151tt \u00e1ll\u00f3 fiatal h\u00e1zasok.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecfa0f elementor-widget elementor-widget-n-accordion\" data-id=\"4ecfa0f\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8260\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8260\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kik ig\u00e9nyelhetik a CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8260\" class=\"elementor-element elementor-element-cf8e621 e-con-full e-flex e-con e-child\" data-id=\"cf8e621\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8260\" class=\"elementor-element elementor-element-abeb09e e-flex e-con-boxed e-con e-child\" data-id=\"abeb09e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcf83d3 elementor-widget elementor-widget-text-editor\" data-id=\"fcf83d3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tOlyan h\u00e1zasp\u00e1rok, ahol a feles\u00e9g az ig\u00e9nyl\u00e9s pillanat\u00e1ban m\u00e9g nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t. S itt r\u00f6gt\u00f6n j\u00f6n is k\u00e9t kiv\u00e9tel (a rendelet z\u00e1r\u00f3 rendelkez\u00e9sei k\u00f6z\u00f6tt):\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>2025. v\u00e9g\u00e9ig ig\u00e9nyelhetik olyan h\u00e1zasp\u00e1rok is, melyekn\u00e9l a feles\u00e9g az ig\u00e9nyl\u00e9s pillanat\u00e1ban bet\u00f6lt\u00f6tte m\u00e1r a 41. \u00e9let\u00e9v\u00e9t, de igazolni tudj\u00e1k egy 12 hetes magzat megl\u00e9t\u00e9t (esetleg van \u00f6r\u00f6kbefogad\u00e1st enged\u00e9lyez\u0151 gy\u00e1mhat\u00f3s\u00e1gi hat\u00e1rozatuk) vagy<\/li>\n \t<li>2024. els\u0151 negyed\u00e9v\u00e9ben beny\u00fajtott k\u00f6lcs\u00f6nk\u00e9relmek eset\u00e9n az e negyed\u00e9vben sz\u00fcletett (vagy \u00f6r\u00f6kbefogadott) gyermek ut\u00e1n ig\u00e9nylik meg a CSOK Pluszt.<\/li>\n<\/ol>\nMindez azt jelenti, hogy egyed\u00fcl\u00e1ll\u00f3k, elv\u00e1ltak, \u00f6zvegyek, \u00e9lett\u00e1rsak nem tudnak CSOK Pluszt ig\u00e9nyelni, merthogy a csal\u00e1di \u00e1llapotuk nem teszi ezt lehet\u0151v\u00e9. Ez jelent\u0151s sz\u0171k\u00edt\u00e9s az eddigi CSOK rendelethez k\u00e9pest, mert gyereket v\u00e1llalni ugyan a szerint is csak h\u00e1zasok tudtak, de akinek m\u00e1r volt megl\u00e9v\u0151, az ugyan\u00fagy besz\u00e1m\u00edtott, a CSOK Pluszn\u00e1l azonban csak az \u00fajonnan sz\u00fcletett gyermek vehet\u0151 figyelembe (kiv\u00e9ve 2024. els\u0151 negyed\u00e9v\u00e9t, l. el\u0151bb). A CSOK Pluszn\u00e1l a megl\u00e9v\u0151 gyerekek sz\u00e1ma csak akkor \u00e9rdekes, ha mell\u00e9j\u00fck v\u00e1llalnak a sz\u00fcleik m\u00e9g legal\u00e1bb egy \u00fajat is, h\u00e1zasok \u00e9s belef\u00e9rnek a fenti \u00e9letkori korl\u00e1tokba is.\n\n\u00c1llampolg\u00e1rs\u00e1g tekintet\u00e9ben a CSOK Plusz megenged\u0151, nem csak magyar \u00e1llampolg\u00e1rok vehetik teh\u00e1t ig\u00e9nybe, hanem m\u00e1sok is:\n<ul>\n \t<li>az \u00fan. szabad mozg\u00e1s jog\u00e1val rendelkez\u0151k (\u0151k az EGT \u00e1llampolg\u00e1rok, az EU \u00e9s m\u00e9g n\u00e9h\u00e1ny m\u00e1s \u00e1llam \u00e1llampolg\u00e1rai)<\/li>\n \t<li>nem EGT \u00e1llampolg\u00e1rok, de itt \u00e9l\u0151 bev\u00e1ndorolt vagy letelepedett st\u00e1tusszal rendelkez\u0151k<\/li>\n \t<li>hontalanok<\/li>\n<\/ul>\nAkik ezeknek az alapfelt\u00e9teleknek megfelelnek, azoknak m\u00e1r \u201ecsak\u201d az \u00f6sszes t\u00f6bbi apr\u00f3-csepr\u0151 \u00e1llami el\u0151\u00edr\u00e1snak \u00e9s banki felt\u00e9telnek kell megfelelni\u00fck ahhoz, hogy t\u00e9nylegesen is megkaphass\u00e1k a CSOK Pluszt:\n<ul>\n \t<li>b\u00fcntetlen el\u0151\u00e9let\u0171ek<\/li>\n \t<li>nincs 5.000 Ft-ot meghalad\u00f3 \u00f6sszeg\u0171 k\u00f6ztartoz\u00e1suk<\/li>\n \t<li>meghat\u00e1rozott TB jogviszonnyal rendelkeznek<\/li>\n \t<li>hozz\u00e1j\u00e1rulnak az el\u0151\u00edrt adatkezel\u00e9shez<\/li>\n \t<li>nem k\u00f6telezte egyik\u00fcket sem a kincst\u00e1r a megel\u0151z\u0151 3 \u00e9vben valamely kor\u00e1bbi \u00e1llami lak\u00e1st\u00e1mogat\u00e1s visszafizet\u00e9s\u00e9re<\/li>\n \t<li>nem rokont\u00f3l (\u00e9rtsd: k\u00f6zeli hozz\u00e1tartoz\u00f3t\u00f3l) akarnak lak\u00e1st venni, sem az \u0151 c\u00e9g\u00e9vel \u00e9p\u00edttetni<\/li>\n \t<li>legal\u00e1bb egy \u00e9ve passz\u00edv KHR st\u00e1tusz\u00faak<\/li>\n \t<li>v\u00e1llalj\u00e1k, hogy 10 \u00e9vig \u00e9letvitelszer\u0171en a t\u00e1mogat\u00e1ssal \u00e9rintett ingatlanban laknak majd, kiv\u00e9ve a rendelet \u00e1ltal felsorolt eseteket<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33801f3 elementor-widget elementor-widget-n-accordion\" data-id=\"33801f3\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5400\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5400\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen TB jogviszony sz\u00fcks\u00e9ges a CSOK Pluszhoz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5400\" class=\"elementor-element elementor-element-ac1e1ce e-con-full e-flex e-con e-child\" data-id=\"ac1e1ce\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5400\" class=\"elementor-element elementor-element-d756749 e-flex e-con-boxed e-con e-child\" data-id=\"d756749\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bc6e06 elementor-widget elementor-widget-text-editor\" data-id=\"4bc6e06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz rendelet a TB t\u00f6rv\u00e9nyre (a t\u00e1rsadalombiztos\u00edt\u00e1s ell\u00e1t\u00e1saira jogosultakr\u00f3l, valamint ezen ell\u00e1t\u00e1sok fedezet\u00e9r\u0151l sz\u00f3l\u00f3 2019. \u00e9vi CXXII. t\u00f6rv\u00e9ny (a tov\u00e1bbiakban: Tbj.) hivatkozva sorolja fel, milyen t\u00edpus\u00fa TB jogviszony sz\u00fcks\u00e9ges a CSOK Pluszhoz: alapvet\u0151en minden, munkav\u00e9gz\u00e9shez, saj\u00e1t v\u00e1llalkoz\u00e1shoz k\u00f6t\u0151d\u0151 TB jogviszony megfelel a k\u00f6z\u00e9pfok\u00fa vagy fels\u0151fok\u00fa tanulm\u00e1nyokat folytat\u00f3kkal egy\u00fctt, azaz:<\/p><ol style=\"list-style-type: lower-alpha;\"><li>a Tbj. 6.\u00a7 (1) bekezd\u00e9s a), b) vagy d)-k) pontja szerinti biztos\u00edtottak<\/li><li>a Tbj. 4. \u00a7 11. pontja szerinti kieg\u00e9sz\u00edt\u0151 tev\u00e9kenys\u00e9get folytat\u00f3 szem\u00e9ly (l\u00e9nyeg\u00e9ben nyugd\u00edjas dolgoz\u00f3)<\/li><li>v\u00e9g\u00fcl, akit a CSOK Plusz rendelet 13. \u00a7 (1) bekezd\u00e9s a) pontja szerint magyar \u00e1llampolg\u00e1rnak kell tekinteni \u00e9s nemzetk\u00f6zi szervezet alkalmaz\u00e1sban vagy egy megfelel\u0151 m\u00e1sik \u00e1llam t\u00e1rsadalombiztos\u00edt\u00e1si rendszer\u00e9ben volt az elm\u00falt 2 \u00e9vben biztos\u00edtott<\/li><\/ol><p>Mivel ezek nagyon szerte \u00e1gaz\u00f3ak, ez\u00e9rt \u00e9rdemes ink\u00e1bb a kiv\u00e9telek fel\u0151l megfogni a k\u00e9rd\u00e9st:<\/p><ul><li>k\u00f6zfoglalkoztatottak<\/li><li>munkan\u00e9lk\u00fcliek (\u00e1ll\u00e1skeres\u00e9si t\u00e1mogat\u00e1sban r\u00e9szes\u00fcl\u0151 szem\u00e9ly)<\/li><li>aki maga ut\u00e1n fizeti a j\u00e1rul\u00e9kot<\/li><\/ul><p>Az ig\u00e9nyl\u00e9skor az elfogadott TB jogviszonyokb\u00f3l sz\u00e1rmaz\u00f3 biztos\u00edtotts\u00e1gi id\u0151nek el kell \u00e9rnie a 2 \u00e9vet. Ezen bel\u00fcl max. 30 napos megszak\u00edt\u00e1s fordulhat el\u0151, aminek id\u0151tartama nem sz\u00e1m\u00edt bele a 2 \u00e9vbe, teh\u00e1t a megszak\u00edt\u00e1s id\u0151tartam\u00e1val hosszabb minim\u00e1lis biztos\u00edtotts\u00e1gi id\u0151re van sz\u00fcks\u00e9g. Ennek az a magyar\u00e1zata, hogy egy munkahelyv\u00e1lt\u00e1s p\u00e1r h\u00e9t kies\u00e9ssel ne jelentse a figyelembe vehet\u0151 id\u0151tartam \u00fajra indul\u00e1s\u00e1t.<\/p><p>Az ig\u00e9nyl\u00e9st megel\u0151z\u0151 180 napra k\u00fcl\u00f6n el\u0151\u00edr\u00e1s, hogy annak m\u00e1r hazai munkaviszonyb\u00f3l vagy v\u00e1llalkoz\u00e1sb\u00f3l kell sz\u00e1rmaznia, vagyis az nem m\u0171k\u00f6dik, hogy valaki \u00e9vekig kint dolgozott, hazat\u00e9r \u00e9s egyb\u0151l felveheti a CSOK Pluszt. El\u0151tte egy f\u00e9l \u00e9vig a rendeletnek megfelel\u0151 fajt\u00e1j\u00fa itthoni TB jogviszonyt kell tudnia igazolni.<\/p><p>Mivel h\u00e1zasp\u00e1rok ig\u00e9nyelhetik csak, ez\u00e9rt el\u00e9g egyik\u00fcknek igazolnia a CSOK Plusz \u00e1ltal elv\u00e1rt fajt\u00e1j\u00fa \u00e9s id\u0151tartam\u00fa TB jogviszonyt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14621db e-flex e-con-boxed e-con e-parent\" data-id=\"14621db\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2dae52d e-con-full e-flex e-con e-child\" data-id=\"2dae52d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-356ea37 elementor-widget elementor-widget-heading\" data-id=\"356ea37\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Milyen ingatlanra lehet ig\u00e9nybe venni a CSOK Pluszt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-800721f elementor-widget elementor-widget-text-editor\" data-id=\"800721f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz rendelet nagyon r\u00e9szletes szab\u00e1lyokat hat\u00e1roz meg a finansz\u00edrozhat\u00f3 ingatlanok tekintet\u00e9ben, a t\u00edpust\u00f3l kezdve a m\u00e9reten \u00e1t az \u00e9rt\u00e9k\u00fckig.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-963c41f e-con-full e-flex e-con e-child\" data-id=\"963c41f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1944a10 elementor-widget elementor-widget-n-accordion\" data-id=\"1944a10\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2640\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2640\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen t\u00edpus\u00fa ingatlanra lehet CSOK Pluszt felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2640\" class=\"elementor-element elementor-element-fae3b95 e-con-full e-flex e-con e-child\" data-id=\"fae3b95\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2640\" class=\"elementor-element elementor-element-0f21d9d e-flex e-con-boxed e-con e-child\" data-id=\"0f21d9d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b59b9a8 elementor-widget elementor-widget-text-editor\" data-id=\"b59b9a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz megtartotta a CSOK szab\u00e1lyoz\u00e1s azon pontj\u00e1t, ami szerint csak lak\u00f3ingatlant lehet bel\u0151le finansz\u00edrozni. Mi min\u0151s\u00fcl lak\u00f3ingatlannak? Alapvet\u0151en a lak\u00e1sok (tulajdoni lapon t\u00e1rsash\u00e1zi lak\u00e1s), valamint a csal\u00e1di h\u00e1zak (a rendelet megfogalmaz\u00e1s\u00e1ban egylak\u00e1sos lak\u00f3\u00e9p\u00fclet, tulajdoni lapon kivett lak\u00f3h\u00e1z, udvar besorol\u00e1s), ide\u00e9rtve az ikerh\u00e1zakat is. Nem min\u0151s\u00fcl lak\u00f3ingatlannak azonban<\/p><ul><li>a nyaral\u00f3, h\u00e9tv\u00e9gi h\u00e1z<\/li><li>apartman<\/li><li>gazdas\u00e1gi \u00e9p\u00fclet<\/li><li>iroda stb.<\/li><\/ul><p>K\u00e9rd\u00e9s az \u00fan. vegyes funkci\u00f3j\u00fa ingatlanok kezel\u00e9se. Azok sz\u00e1m\u00edtanak ilyennek, amelyekben keveredik a lak\u00f3 jelleg a nem lak\u00f3val. Pl. alul m\u0171hely, bolt van, fel\u00fcl meg lak\u00e1s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec1d78 elementor-widget elementor-widget-n-accordion\" data-id=\"7ec1d78\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1320\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1320\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen m\u0171szaki jellemz\u0151i kell, hogy legyenek az ingatlannak CSOK Pluszn\u00e1l? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1320\" class=\"elementor-element elementor-element-17fe35b e-con-full e-flex e-con e-child\" data-id=\"17fe35b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1320\" class=\"elementor-element elementor-element-4354ae5 e-flex e-con-boxed e-con e-child\" data-id=\"4354ae5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99e26b9 elementor-widget elementor-widget-text-editor\" data-id=\"99e26b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz \u00e1ltal el\u0151\u00edrt legfontosabb m\u0171szaki jellemz\u0151 a lakhat\u00f3s\u00e1g (komfortoss\u00e1g). A rendelet \u00fagy fogalmaz, hogy az ingatlannak a lakhat\u00e1si ig\u00e9nyek kiel\u00e9g\u00edt\u00e9s\u00e9re alkalmasnak kell lennie, amit k\u00f6teles a bank helysz\u00edni szemle keret\u00e9ben ellen\u0151rizni. Komfortosnak akkor min\u0151s\u00fcl az ingatlan, ha rendelkezik legal\u00e1bb egy 12 nm-t meghalad\u00f3 alapter\u00fclet\u0171 lak\u00f3szob\u00e1val, f\u0151z\u0151helyis\u00e9ggel, f\u00fcrd\u0151helyis\u00e9ggel \u00e9s WC-vel, valamint k\u00f6zm\u0171ves\u00edtetts\u00e9ggel, melegv\u00edz-ell\u00e1t\u00e1ssal \u00e9s egyedi f\u0171t\u00e9si m\u00f3ddal. Az egyedi f\u0171t\u00e9s nem k\u00f6zponti f\u0171t\u00e9st jelent, teh\u00e1t b\u00e1rmilyen m\u00e1s, helyis\u00e9genk\u00e9nti \u00e1lland\u00f3 f\u0171t\u00e9st.<\/p><blockquote><p><em>Egy esetben egy 1960-ban \u00e9p\u00fclt csal\u00e1di h\u00e1zn\u00e1l a f\u00fcrd\u0151, a konyha \u00e9s a WC nem a h\u00e1zban, hanem azon k\u00edv\u00fcl, k\u00fcl\u00f6n \u00e9p\u00fcletben volt, nem is akadt r\u00e1 bank, amelyik elfogadta volna fedezetnek. Pedig a hirdet\u00e9s alapj\u00e1n egy szokv\u00e1nyos K\u00e1d\u00e1r kock\u00e1nak n\u00e9zett ki, de \u00edgy nem volt megfelel\u0151.<\/em><\/p><p><em>Szint\u00e9n t\u00f6bbsz\u00f6r el\u0151fordult m\u00e1r olyan eset, amikor a szemle pillanat\u00e1ban \u00e9pp nem m\u0171k\u00f6d\u00f6tt a f\u0171t\u00e9s. Volt, ahol az\u00e9rt, mert nem lakt\u00e1k a VIII. ker\u00fcleti lak\u00e1st \u00e9s ez\u00e9rt kik\u00f6ttett\u00e9k a g\u00e1zt, m\u00e1shol \u00e9pp kidobt\u00e1k a g\u00e1zkonvektorokat, mert m\u00e1s f\u0171t\u00e9si m\u00f3dra akartak \u00e1t\u00e1llni.<\/em><\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31252bd elementor-widget elementor-widget-n-accordion\" data-id=\"31252bd\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5150\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5150\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Hol kell lennie az ingatlannak, hogy CSOK Pluszt lehessen r\u00e1 felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5150\" class=\"elementor-element elementor-element-e155a09 e-con-full e-flex e-con e-child\" data-id=\"e155a09\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5150\" class=\"elementor-element elementor-element-150b718 e-flex e-con-boxed e-con e-child\" data-id=\"150b718\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3272ef8 elementor-widget elementor-widget-text-editor\" data-id=\"3272ef8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ez egy viszonylag egyszer\u0171 pont, Magyarorsz\u00e1g ter\u00fclet\u00e9n kell lennie. N\u00e9ha persze kapunk olyan k\u00e9rd\u00e9st, hogy k\u00fclf\u00f6ld\u00f6n szeretn\u00e9k venni ezt vagy azt, lehet-e itthoni hitelb\u0151l, de sajnos nem, s ez igaz a CSOK Pluszra is. Nincs k\u00fcl\u00f6nbs\u00e9g a tekintetben sem, hogy \u00fan. prefer\u00e1lt kistelep\u00fcl\u00e9sen fekszik-e az ingatlan vagy nem, teh\u00e1t am\u00edg a Falusi CSOK-ot csak kistelep\u00fcl\u00e9sen lehet m\u00e1r csak felvenni, addig az \u00fan. v\u00e1rosi CSOK-os telep\u00fcl\u00e9seken (\u00e9rtsd: mindenhol m\u00e1shol) csak a CSOK Plusz j\u00f6het sz\u00f3ba.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04a10f8 elementor-widget elementor-widget-n-accordion\" data-id=\"04a10f8\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4850\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4850\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen \u00e9rt\u00e9k\u0171 ingatlanra lehet CSOK Pluszt felvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4850\" class=\"elementor-element elementor-element-851fa6d e-con-full e-flex e-con e-child\" data-id=\"851fa6d\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4850\" class=\"elementor-element elementor-element-8f4f561 e-flex e-con-boxed e-con e-child\" data-id=\"8f4f561\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a705c95 elementor-widget elementor-widget-text-editor\" data-id=\"a705c95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEls\u0151 k\u00f6z\u00f6s lak\u00e1sszerz\u0151kn\u00e9l a v\u00e9tel\u00e1r (lak\u00e1sv\u00e1s\u00e1rl\u00e1sn\u00e1l) ill. a beker\u00fcl\u00e9si k\u00f6lts\u00e9g (\u00e9p\u00edtkez\u00e9sn\u00e9l) nem haladhatja meg a 100 milli\u00f3 Ft-ot, egy\u00e9bk\u00e9nt pedig a 150 milli\u00f3 Ft-ot. Ez a l\u00e9nyeg, s akkor a r\u00e9szletek:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>100 ill. 150 milli\u00f3 lehet-e v\u00e9tel\u00e1r?\nLehet, csak t\u00f6bb nem, ez\u00e9rt nem kell 99.999.999-et vagy 149.999.999-et \u00edrni az ad\u00e1sv\u00e9telibe ill. a k\u00f6lts\u00e9gvet\u00e9sre.<\/li>\n \t<li>\u00c9p\u00edtkez\u00e9sn\u00e9l belesz\u00e1m\u00edt-e ebbe a telek\u00e1r?\nNem, csak az \u00e9p\u00fcletre vonatkoz\u00f3 k\u00f6lts\u00e9gvet\u00e9s.<\/li>\n \t<li>Mi van akkor, ha elt\u00e9r a v\u00e9tel\u00e1r ill. a beker\u00fcl\u00e9si k\u00f6lts\u00e9g a banki \u00e9rt\u00e9kbecsl\u00e9sben, melyik az ir\u00e1nyad\u00f3?\nA jogszab\u00e1ly erre vonatkoz\u00f3an csak annyit hat\u00e1roz meg, hogy 20%-n\u00e1l nagyobb elt\u00e9r\u00e9s nem lehet a kett\u0151 k\u00f6z\u00f6tt, abb\u00f3l a megfontol\u00e1sb\u00f3l, hogy ne t\u00e1mogatott hitelb\u0151l akarjon senki se t\u00fal\u00e1razott ingatlant venni vagy \u00e9p\u00edteni (ha pl. 125 milli\u00f3\u00e9rt vesz egy bank \u00e1ltal 100 milli\u00f3ra becs\u00fclt ingatlant).\nHa hat\u00e1ron vagyunk a v\u00e9tel\u00e1rral vagy a beker\u00fcl\u00e9si k\u00f6lts\u00e9ggel, akkor c\u00e9lszer\u0171 lehet el\u0151zetes \u00e9rt\u00e9kbecsl\u00e9st k\u00e9rni, teh\u00e1t m\u00e9g az ad\u00e1sv\u00e9teli vagy az \u00e9p\u00edtkez\u00e9s megkezd\u00e9se el\u0151tt \u00e9rt\u00e9keltetni az ingatlant, elker\u00fclend\u0151 azt az esetet, amikor menet k\u00f6zben der\u00fcl az ki, hogy csak piaci hitelb\u0151l lehet megoldani a finansz\u00edroz\u00e1st.<\/li>\n \t<li>Mi van akkor, ha egy ad\u00e1sv\u00e9telben nem csak egy lak\u00e1s, hanem t\u00e1rol\u00f3, be\u00e1ll\u00f3, gar\u00e1zs is tartozik hozz\u00e1?\nEz esetben a v\u00e1lasz att\u00f3l f\u00fcgg, hogy k\u00fcl\u00f6n helyrajzi sz\u00e1mon vannak-e ezek nyilv\u00e1ntartva a lak\u00e1st\u00f3l vagy sem. \u00c1ltal\u00e1ban k\u00fcl\u00f6n egy\u00e9bk\u00e9nt, de r\u00e9gebbi vagy kisebb t\u00e1rsash\u00e1zakn\u00e1l (pl. ikerh\u00e1zak) egyben. Ez esetben mindennek egy\u00fctt kell \u00e9rt\u00e9khat\u00e1r alatt maradnia, m\u00edg k\u00fcl\u00f6n helyrajzi sz\u00e1m eset\u00e9n csak a lak\u00e1snak, s ilyenkor a t\u00f6bbit nem finansz\u00edrozza a bank, azokat \u00f6ner\u0151b\u0151l kell tudni megvenni.<\/li>\n \t<li>Nem els\u0151 k\u00f6z\u00f6s lak\u00e1sszerz\u0151kn\u00e9l a megl\u00e9v\u0151 vagy kor\u00e1bbi k\u00f6z\u00f6s lak\u00e1sban birtokolt tulajdoni h\u00e1nyad \u00e9rt\u00e9k\u00e9n\u00e9l magasabb \u00e9rt\u00e9k\u0171 kell, hogy legyen a CSOK Plusszal vett vagy \u00e9p\u00edtett ingatlan.\nTeh\u00e1t hi\u00e1ba \u00f6r\u00f6k\u00f6lt valaki egy 200 milli\u00f3s sz\u00fcl\u0151i h\u00e1zb\u00f3l egy negyedet \u00e9s rendelkezik m\u00e9g a h\u00e1zast\u00e1rsa ugyanott 1%-os tulajdoni h\u00e1nyaddal, ezek egy\u00fcttes \u00e9rt\u00e9ke 52 milli\u00f3 Ft, teh\u00e1t, ha 100-150 milli\u00f3 k\u00f6z\u00f6tti ingatlant szeretn\u00e9nek venni vagy \u00e9p\u00edteni, akkor az enn\u00e9l t\u00f6bb lesz, \u00edgy megfelel a CSOK Plusznak.\nFord\u00edtva viszont nem m\u0171k\u00f6dik! Hi\u00e1ba szerezne harmadik szem\u00e9ly (sz\u00fcl\u0151i, testv\u00e9r stb.) \u00bc-et a 200 milli\u00f3s csal\u00e1di h\u00e1zb\u00f3l, ott bele\u00fctk\u00f6zn\u00e9nk abba, hogy a CSOK Plusszal vett vagy \u00e9p\u00edtett ingatlanban csak a t\u00e1mogatott szem\u00e9lyek lehetnek tulajdonosok.<\/li>\n \t<li>Az als\u00f3 \u00e9rt\u00e9khat\u00e1rra is figyelni kell\nB\u00e1r az ingatlanpiaci szempontb\u00f3l frekvent\u00e1lt ter\u00fcleteken nem nagyon szokott olyan el\u0151fordulni, hogy egy ingatlan \u00e9rt\u00e9ke ne \u00e9rn\u00e9 el a bankok \u00e1ltal megh\u00fazott minimum \u00e9rt\u00e9ket, kisebb telep\u00fcl\u00e9seken \u00e9s rosszabb \u00e1llapot\u00fa ingatlanokn\u00e1l el\u0151fordulhat ett\u0151l m\u00e9g olyan eset is, amikor olyan csek\u00e9ly az \u00e9rt\u00e9ke az ingatlannak, hogy az alatta marad a bankok \u00e1ltal megh\u00fazott minimum 3-10 milli\u00f3s \u00e9rt\u00e9khat\u00e1rnak.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f760e3b elementor-widget elementor-widget-n-accordion\" data-id=\"f760e3b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2590\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2590\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mit jelent a CSOK Pluszn\u00e1l, hogy els\u0151 k\u00f6z\u00f6s lak\u00e1s? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2590\" class=\"elementor-element elementor-element-5fe6701 e-con-full e-flex e-con e-child\" data-id=\"5fe6701\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2590\" class=\"elementor-element elementor-element-ea04ee8 e-flex e-con-boxed e-con e-child\" data-id=\"ea04ee8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b40567 elementor-widget elementor-widget-text-editor\" data-id=\"8b40567\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAzok a h\u00e1zasp\u00e1rok sz\u00e1m\u00edtanak els\u0151 k\u00f6z\u00f6s lak\u00e1sszerz\u0151knek, akik az ig\u00e9nyl\u00e9s pillanat\u00e1ban vagy az azt megel\u0151z\u0151 10 \u00e9vben ugyanabban a lak\u00f3ingatlanban m\u00e9g nem rendelkeztek mindketten tulajdonjoggal. Itt is fenn\u00e1llnak azonban az Otthon Start rendeletben felsorolt kiv\u00e9telek, azaz\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>Akinek a nev\u00e9n az elm\u00falt 10 \u00e9vben nem volt belter\u00fcleti lak\u00f3<\/li>\n \t<li>Ha az ingatlan tulajdoni h\u00e1nyad\u00e1nak aktu\u00e1lis piaci \u00e9rt\u00e9ke 15 milli\u00f3 Ft alatt marad. Teh\u00e1t, ha meg\u00f6r\u00f6k\u00f6lte valaki a vid\u00e9ki, d\u00fcledez\u0151 nagysz\u00fcl\u0151i h\u00e1zat, az nem sz\u00e1m\u00edt, ha kis \u00e9rt\u00e9k\u0171 (manaps\u00e1g a 15 milli\u00f3 alatti \u00e9rt\u00e9k annak sz\u00e1m\u00edt). Ki mondja meg, mennyit \u00e9r? Egyes bankokn\u00e1l a banki \u00e9rt\u00e9kbecsl\u0151, m\u00e1sokn\u00e1l nyilatkozni kell az \u00e9rt\u00e9kr\u0151l. De ez ut\u00f3bbiakn\u00e1l is melegen aj\u00e1nlj\u00e1k a bankok, hogy csin\u00e1ltasson mindenki \u00e9rt\u00e9kbecsl\u00e9st ak\u00e1r n\u00e1luk, ak\u00e1r m\u00e1ssal, hogy ha ut\u00f3lag beleker\u00fcl egy ellen\u0151rz\u00e9sbe, akkor tudjon mire hivatkozni.\nEzzel egyen\u00e9rt\u00e9k\u0171 az is, ha az elm\u00falt 10 \u00e9vben volt ugyan a nev\u00e9n ilyen ingatlan, de id\u0151k\u00f6zben azt m\u00e1r eladta \u00e9s az ad\u00e1sv\u00e9teliben szerepl\u0151 v\u00e9tel\u00e1r enn\u00e9l a 15 milli\u00f3n\u00e1l alacsonyabb volt. Min\u00e9l r\u00e9gebben t\u00f6rt\u00e9nt az elad\u00e1s az elm\u00falt 10 \u00e9ven bel\u00fcl, ann\u00e1l k\u00f6nnyebb ezt a felt\u00e9telt teljes\u00edteni, ez\u00e9rt \u00e9rdemes lesz el\u0151b\u00e1ny\u00e1szni azt az ad\u00e1sv\u00e9telit ehhez, ami akkor k\u00e9sz\u00fclt. FONTOS! A rendelet tulajdoni h\u00e1nyadot \u00edr, aminek \u00e9rt\u00e9ke ann\u00e1l k\u00f6nnyebben maradhat az \u00e9rt\u00e9khat\u00e1r alatt, min\u00e9l t\u00f6bb tulajdonosa van\/volt az ingatlannak \u00e9s min\u00e9l alacsonyabb volt az \u00e9rintett tulajdoni h\u00e1nyad.<\/li>\n \t<li>Szint\u00e9n figyelmen k\u00edv\u00fcl hagyhat\u00f3 a bont\u00e1sra \u00edt\u00e9lt lak\u00f3<\/li>\n \t<li>V\u00e9g\u00fcl a haszon\u00e9lvezettel terhelt, amennyiben m\u00e1r a haszon\u00e9lvezettel terhelten ker\u00fclt a tulajdon\u00e1ba \u00e9s abban m\u00e9g mindig ugyanaz a haszon\u00e9lvez\u0151 lakik.<\/li>\n \t<li>Ezeken t\u00falmutat\u00f3 kiv\u00e9telt k\u00e9pez az is, ha egyidej\u0171leg csak egy ingatlanban \u00e9s legfeljebb 50% tulajdoni h\u00e1nyaddal rendelkezett a h\u00e1zasp\u00e1r egyik tagja, ugyanis h\u00e1zasokn\u00e1l el\u00e9g, ha egyik\u00fckn\u00e9l teljes\u00fclnek a fenti felt\u00e9telek, akkor \u0151k m\u00e1ris jogosultak lesznek err\u0151l az oldalr\u00f3l n\u00e9zve az ig\u00e9nyl\u00e9<\/li>\n<\/ol>\nA fenti, l\u00e1tsz\u00f3lag egy\u00e9rtelm\u0171 megfogalmaz\u00e1sb\u00f3l egy csom\u00f3 minden k\u00f6vetkezik m\u00e9g:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>nincs meghat\u00e1rozva, mekkora tulajdoni h\u00e1nyaddal kellett kor\u00e1bban rendelkezni\u00fck ahhoz, hogy ne min\u0151s\u00fcljenek els\u0151 k\u00f6z\u00f6s lak\u00e1sszerz\u0151nek. Vagyis j\u00f3 az is, ha csak 1%-1%-uk van ugyanabban az ingatlanban \u00e9s m\u00e1s is tulajdonos benne.<\/li>\n \t<li>nincs az sem meghat\u00e1rozva, mi\u00f3ta kellett tulajdoni h\u00e1nyaddal rendelkezni\u00fck ugyanott, vagyis, ha az ig\u00e9nyl\u00e9s pillanat\u00e1ban m\u00e1r legal\u00e1bb egy napja a nev\u00fck\u00f6n volt valahol valamekkora tulajdoni h\u00e1nyad, akkor az el\u00e9<\/li>\n \t<li>az sem sz\u00e1m\u00edt, milyen jogc\u00edmen ker\u00fclt a nev\u00fckre a tulajdoni h\u00e1nyad, teh\u00e1t mindegy, hogy azt \u00f6r\u00f6k\u00f6lt\u00e9k, vett\u00e9k, aj\u00e1nd\u00e9koz\u00e1s \u00fatj\u00e1n vagy m\u00e1s m\u00f3don ker\u00fclt a nev\u00fckre, a l\u00e9nyeg, hogy amikor a CSOK Plusz ig\u00e9nyl\u00e9s\u00fcket beny\u00fajtj\u00e1k, m\u00e1r a nev\u00fck\u00f6n legyen.<\/li>\n \t<li>v\u00e9g\u00fcl hi\u00e1ba van az egyik\u00fck nev\u00e9n lak\u00f3ingatlan vagy ak\u00e1r mindketten hi\u00e1ba rendelkeznek lak\u00f3ingatlan tulajdoni h\u00e1nyaddal, az nem k\u00f6z\u00f6s, teh\u00e1t, ha meg akarnak felelni ennek a kit\u00e9telnek, mert 100 milli\u00f3 feletti ingatlan megszerz\u00e9se a c\u00e9l, akkor el\u0151bb valahogy meg kell oldani azt, hogy ugyanabban az ingatlanban legyenek mindketten tulajdonosok.<\/li>\n<\/ol>\n\u00dagy t\u0171nik, itt nem siker\u00fclt ezt a rendelkez\u00e9st j\u00f3l \u00e1tgondolnia a jogalkot\u00f3nak, mert Budapesten \u00e9s k\u00f6rny\u00e9k\u00e9n sz\u00e1mos olyan esettel tal\u00e1lkoztunk, ahol a 100 milli\u00f3s \u00e9rt\u00e9khat\u00e1rt m\u00e1r sim\u00e1n meghaladta a kiszemelt ingatlan \u00e9rt\u00e9ke, de nem volt m\u00e9g el\u0151tte k\u00f6z\u00f6s tulajdoni h\u00e1nyada a h\u00e1zasp\u00e1rnak, ez\u00e9rt els\u0151 l\u00e9p\u00e9sben ezt kellett megteremteni. Ez tipikusan aj\u00e1nd\u00e9koz\u00e1ssal oldhat\u00f3 meg, munk\u00e1t adva \u00fcgyv\u00e9dnek, f\u00f6ldhivatalnak egyar\u00e1nt, de a mi tapasztalataink szerint ez \u00edgy m\u0171k\u00f6d\u00f6tt t\u00f6bb bankn\u00e1l is m\u00e1r.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba51cb6 elementor-widget elementor-widget-n-accordion\" data-id=\"ba51cb6\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1950\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1950\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen ingatlant nem lehet CSOK Pluszb\u00f3l megvenni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1950\" class=\"elementor-element elementor-element-93bd5ca e-con-full e-flex e-con e-child\" data-id=\"93bd5ca\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1950\" class=\"elementor-element elementor-element-9ad72b6 e-flex e-con-boxed e-con e-child\" data-id=\"9ad72b6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f6bd60 elementor-widget elementor-widget-text-editor\" data-id=\"0f6bd60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tT\u00fal az eddigieken, a CSOK Pluszb\u00f3l megvenni k\u00edv\u00e1nt ingatlannak m\u00e9g egy\u00e9b felt\u00e9teleknek is meg kell felelnie, amir\u0151l nyilatkozni kell az ig\u00e9nyl\u00e9skor.\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>Az elad\u00f3 nem lehet k\u00f6zeli hozz\u00e1tartoz\u00f3\nAhogy a kor\u00e1bbi t\u00e1mogatott konstrukci\u00f3kn\u00e1l, itt sem lehet k\u00f6zeli hozz\u00e1tartoz\u00f3t\u00f3l v\u00e1s\u00e1rolni.\nEz a pont hivatott elej\u00e9t venni azon eseteknek, amikor az olcs\u00f3 p\u00e9nz b\u0171v\u00f6let\u00e9ben \u00e9lve valaki csin\u00e1lna egy sz\u00ednlelt ad\u00e1sv\u00e9telit valamelyik rokon\u00e1val azzal a c\u00e9llal, hogy fel tudja venni a CSOK Pluszt. Ez 20 \u00e9ve m\u00e1r nem lehets\u00e9ges, mert volt r\u00e1 p\u00e9lda m\u00e9g az els\u0151 t\u00e1mogatott hitelek idej\u00e9n, amikor h\u00e1zasp\u00e1rok \u00edgy jutottak olcs\u00f3 forr\u00e1shoz.\nDe ez egy\u00fattal azt is jelenti, hogy egy sor csal\u00e1don bel\u00fcli ingatlan \u00fcgyletet sem lehet ebb\u0151l megoldani. Pl. \u00f6r\u00f6k\u00f6s\u00f6k egyike szeretn\u00e9 kiv\u00e1s\u00e1rolni a t\u00f6bbieket. Viszont lehet erre is megold\u00e1s, csak tudni kell a k\u00f6zeli hozz\u00e1tartoz\u00f3 \u00e9s a hozz\u00e1tartoz\u00f3 fogalmai k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9get.<\/li>\n \t<li>Ha c\u00e9g az elad\u00f3, az nem lehet a k\u00f6zeli hozz\u00e1tartoz\u00f3\u00e9\nUgyanez a helyzet akkor is, ha valakinek a k\u00f6zeli hozz\u00e1tartoz\u00f3ja \u00e9rt\u00e9kes\u00edt\u00e9si c\u00e9lra \u00e9p\u00edt ingatlanokat a c\u00e9g\u00e9n kereszt\u00fcl, mert ezt sem lehet CSOK Plusszal finansz\u00edroztatni.<\/li>\n \t<li>5 \u00e9ven bel\u00fcl elidegen\u00edtett ingatlan visszav\u00e1s\u00e1rl\u00e1sa\nSzint\u00e9n kiz\u00e1rt olyan ingatlan megv\u00e1s\u00e1rl\u00e1s\u00e1ra CSOK Pluszt kapni, amit 5 \u00e9ven bel\u00fcl idegen\u00edtett el (adott el, aj\u00e1nd\u00e9kozott el stb.) a CSOK Plusz ig\u00e9nyl\u0151je.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc0f82f elementor-widget elementor-widget-n-accordion\" data-id=\"cc0f82f\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2130\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen m\u00e9ret\u0171nek kell lennie minimum az ingatlannak CSOK Plusz eset\u00e9n? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2130\" class=\"elementor-element elementor-element-d481523 e-con-full e-flex e-con e-child\" data-id=\"d481523\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2130\" class=\"elementor-element elementor-element-f77ff5d e-flex e-con-boxed e-con e-child\" data-id=\"f77ff5d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de38b3f elementor-widget elementor-widget-text-editor\" data-id=\"de38b3f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A hasznos alapter\u00fcletnek a gyereksz\u00e1m \u00e9s az ingatlan t\u00edpus\u00e1nak a f\u00fcggv\u00e9ny\u00e9ben minimum az al\u00e1bbi m\u00e9reteket kell el\u00e9rnie:<\/p><table width=\"421\"><tbody><tr><td width=\"144\">Gyereksz\u00e1m<\/td><td width=\"139\">Lak\u00e1s<\/td><td width=\"138\">H\u00e1z<\/td><\/tr><tr><td width=\"144\">1<\/td><td width=\"139\">40 nm<\/td><td width=\"138\">70 nm<\/td><\/tr><tr><td width=\"144\">2<\/td><td width=\"139\">50 nm<\/td><td width=\"138\">80 nm<\/td><\/tr><tr><td width=\"144\">3 vagy t\u00f6bb<\/td><td width=\"139\">60 nm<\/td><td width=\"138\">90 nm<\/td><\/tr><\/tbody><\/table><p>Fontos, hogy a CSOK Plusz rendelet szerint sz\u00e1molt hasznos alapter\u00fcletnek kell ennyinek lennie, ami \u00edgy n\u00e9z ki a jogszab\u00e1lyban:<\/p><p><em> Hasznos alapter\u00fclet: a lak\u00e1son bel\u00fcl k<\/em><em>\u00f6zvetlen\u00fcl megk<\/em><em>\u00f6zel\u00ed<\/em><em>thet\u0151, k<\/em><em>\u00f6vetkez\u0151 helyis<\/em><em>\u00e9gek \u2013 a magyar <\/em><em>\u00e9p\u00edt<\/em><em>\u00e9szetr\u0151l sz<\/em><em>\u00f3l\u00f3 2023. <\/em><em>\u00e9<\/em><em>vi C. t<\/em><em>\u00f6rv<\/em><em>\u00e9ny (a tov\u00e1bbiakban: M<\/em><em>\u00e9ptv.) 16. \u00a7 56. pontja szerint sz\u00e1m\u00edtott \u2013 hasznos alapter\u00fclet<\/em><em>\u00e9nek <\/em><em>\u00f6sszege:\u00a0*\u00a0 <\/em><\/p><ol style=\"list-style-type: lower-alpha;\"><li><em>el\u0151szoba, k<\/em><em>\u00f6zleked\u0151, <\/em><\/li><li><em>nappali, <\/em><\/li><li><em>h\u00e1l<\/em><em>\u00f3szoba, <\/em><\/li><li><em>\u00e9tkez\u0151,<\/em><\/li><li><em>konyha, <\/em><em>\u00e9tkez\u0151konyha, <\/em><\/li><li><em>f\u00fcrd\u0151szoba, <\/em><\/li><li><em>WC, <\/em><\/li><li><em>kamra, t\u00e1rol<\/em><em>\u00f3,<\/em><\/li><li><em>gardr<\/em><em>\u00f3b, <\/em><\/li><li><em>mos<\/em><em>\u00f3konyha, <\/em><\/li><li><em>kaz\u00e1nhelyis<\/em><em>\u00e9<\/em><em>g <\/em><em>\u00e9s<\/em><\/li><li><em>egy<\/em><em>\u00e9b f\u0171<\/em><em>thet\u0151 helyis<\/em><em>\u00e9g, ide nem <\/em><em>\u00e9rtve a g<\/em><em>\u00e9pj\u00e1rm\u0171t\u00e1rol<\/em><em>\u00f3t <\/em><em>\u00e9s a pinceszinti helyis<\/em><em>\u00e9<\/em><em>get;<\/em><\/li><\/ol><p>Teh\u00e1t a terasz, tet\u0151t\u00e9ri lak\u00e1sok 1,90 m alatti ter\u00fcletei, amiket az ingatlanosok \u00e9s egyes elad\u00f3k (tisztelet a kiv\u00e9telnek) el\u0151szeretettel t\u00fcntetnek fel a hirdet\u00e9sekben az alapter\u00fclet r\u00e9szek\u00e9nt, mind figyelmen k\u00edv\u00fcl hagyand\u00f3.<\/p><p>Gyakori k\u00e9rd\u00e9s, hogy a fentieken t\u00fal mi van az ikerh\u00e1zakkal, sorh\u00e1zakkal? Ha t\u00e1rsash\u00e1zk\u00e9nt m\u0171k\u00f6dnek, akkor egy\u00e9rtelm\u0171 a helyzet, mert az els\u0151 oszlop, a lak\u00e1sra vonatkoz\u00f3 szab\u00e1lyok ir\u00e1nyad\u00f3ak r\u00e1juk. De, ha osztatlan k\u00f6z\u00f6s tulajdonban vannak, akkor bankonk\u00e9nt elt\u00e9r\u0151, mi kell ahhoz, hogy lak\u00e1snak \u00e9s mi ahhoz, hogy h\u00e1znak tekints\u00e9k \u0151ket (pl. van-e k\u00f6z\u00f6s tet\u0151szerkezet), ez\u00e9rt azokat esetenk\u00e9nt kell megvizsg\u00e1lni \u00e9s egy\u00e9rtelm\u0171 v\u00e1laszt erre a banki \u00e9rt\u00e9kbecsl\u00e9s ut\u00e1n lehet csup\u00e1n adni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-568e92c elementor-widget elementor-widget-n-accordion\" data-id=\"568e92c\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9070\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9070\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Vannak-e speci\u00e1lis szab\u00e1lyai a CSOK Plusznak \u00e9p\u00edtkez\u00e9s eset\u00e9n? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9070\" class=\"elementor-element elementor-element-b445ff0 e-con-full e-flex e-con e-child\" data-id=\"b445ff0\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9070\" class=\"elementor-element elementor-element-1130b9e e-flex e-con-boxed e-con e-child\" data-id=\"1130b9e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06c4734 elementor-widget elementor-widget-text-editor\" data-id=\"06c4734\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol style=\"list-style-type: lower-alpha;\"><li>a beker\u00fcl\u00e9si k\u00f6lts\u00e9g sz\u00e1m\u00edt<br \/>A legfontosabb elt\u00e9r\u00e9s a v\u00e1s\u00e1rl\u00e1shoz k\u00e9pest, hogy \u00e9p\u00edt\u00e9sn\u00e9l csak az \u00e9p\u00edtm\u00e9ny \u00e9p\u00edt\u00e9si k\u00f6lts\u00e9g\u00e9nek kell belef\u00e9rnie az \u00e9rt\u00e9khat\u00e1rokba, nem bele\u00e9rtve a telek\u00e9rt\u00e9ket. \u00cdgy pl. egy 50 milli\u00f3s telekre \u00e9p\u00edtend\u0151 150 milli\u00f3s k\u00f6lts\u00e9gvet\u00e9s\u0171 h\u00e1z is m\u00e9g megfelelhet, m\u00edg v\u00e1s\u00e1rl\u00e1sn\u00e1l a 150 milli\u00f3ba bele kell f\u00e9rnie a telekh\u00e1nyad \u00e9rt\u00e9k\u00e9nek is.<\/li><li>a k\u00f6lts\u00e9gvet\u00e9s 70%-\u00e1r\u00f3l sz\u00e1mla kell<br \/>Mivel t\u00e1mogatott konstrukci\u00f3r\u00f3l van sz\u00f3, itt is sz\u00e1mlabemutat\u00e1si k\u00f6telezetts\u00e9g van a bank \u00e1ltal elfogadott k\u00f6lts\u00e9gvet\u00e9s 70%-\u00e1ig.<\/li><li>saj\u00e1t vagy k\u00f6zeli hozz\u00e1tartoz\u00f3 c\u00e9ge nem \u00e9p\u00edtheti<br \/>V\u00e9g\u00fcl itt is figyelni kell arra, hogy saj\u00e1t vagy k\u00f6zeli hozz\u00e1tartoz\u00f3 c\u00e9ge nem lehet kivitelez\u0151.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87e26fd elementor-widget elementor-widget-n-accordion\" data-id=\"87e26fd\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1420\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1420\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen kor\u00fa ig\u00e9nyl\u0151k kaphatnak CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1420\" class=\"elementor-element elementor-element-83edb58 e-con-full e-flex e-con e-child\" data-id=\"83edb58\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1420\" class=\"elementor-element elementor-element-46cd1d9 e-flex e-con-boxed e-con e-child\" data-id=\"46cd1d9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45f1ed0 elementor-widget elementor-widget-text-editor\" data-id=\"45f1ed0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mivel a CSOK Plusz gyermekv\u00e1llal\u00e1shoz k\u00f6t\u00f6tt, ez\u00e9rt csak bizonyos \u00e9letkor alatt j\u00f6het sz\u00f3ba, eg\u00e9szen pontosan olyan h\u00e1zast\u00e1rsak ig\u00e9nyelhetik, akik k\u00f6z\u00fcl a feles\u00e9g a k\u00f6lcs\u00f6n ir\u00e1nti k\u00e9relem beny\u00fajt\u00e1s\u00e1nak id\u0151pontj\u00e1ban m\u00e9g nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t. A f\u00e9rj \u00e9letkora nem sz\u00e1m\u00edt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8701e elementor-widget elementor-widget-n-accordion\" data-id=\"3e8701e\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6550\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6550\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mennyi \u00f6ner\u0151vel lehet felvenni a CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6550\" class=\"elementor-element elementor-element-c9187ed e-con-full e-flex e-con e-child\" data-id=\"c9187ed\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6550\" class=\"elementor-element elementor-element-b0ca9cc e-flex e-con-boxed e-con e-child\" data-id=\"b0ca9cc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-519c3da elementor-widget elementor-widget-text-editor\" data-id=\"519c3da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz eset\u00e9n is az \u00e1ltal\u00e1nos szab\u00e1lyok \u00e9rv\u00e9nyes\u00fclnek. Teh\u00e1t alapesetben a bank \u00e1ltal becs\u00fclt piaci \u00e9rt\u00e9k 80%-\u00e1ig lehet k\u00e9rni hitelt, vagyis 20% \u00f6ner\u0151 sz\u00fcks\u00e9ges, kiv\u00e9ve, ha teljes\u00fclnek a 10%-os \u00f6ner\u0151re vonatkoz\u00f3 felt\u00e9telek vagy van bevonhat\u00f3 plusz ingatlan fedezet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4ce279 elementor-widget elementor-widget-n-accordion\" data-id=\"d4ce279\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2230\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mennyi j\u00f6vedelem sz\u00fcks\u00e9ges a CSOK Pluszhoz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-a2d5019 e-con-full e-flex e-con e-child\" data-id=\"a2d5019\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-98cb2d9 e-flex e-con-boxed e-con e-child\" data-id=\"98cb2d9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0cba3c elementor-widget elementor-widget-text-editor\" data-id=\"d0cba3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Pluszn\u00e1l ugyanazok a j\u00f6vedelem vizsg\u00e1lati szab\u00e1lyok, mint a t\u00f6bbi jelz\u00e1loghiteln\u00e9l, teh\u00e1t<\/p><ul><li>h\u00e1ztart\u00e1si szinten kell vizsg\u00e1lni a j\u00f6vedelmeket,<\/li><li>melyek k\u00f6z\u00fcl csak a lead\u00f3zott, igazolt j\u00f6vedelmek vehet\u0151ek figyelembe<\/li><li>s ezek is csak a jogszab\u00e1ly \u00e1ltal meghat\u00e1rozott m\u00e9rt\u00e9kig terhelhetik a h\u00e1ztart\u00e1s k\u00f6lts\u00e9gvet\u00e9s\u00e9t (600.000 nett\u00f3 h\u00e1ztart\u00e1si szint\u0171 j\u00f6vedelem alatt 50%-ig, a felett ak\u00e1r 60%-ig is, 2026. janu\u00e1r 1-t\u0151l ugyanez a hat\u00e1r 800.000 Ft-ra m\u00f3dosul)<\/li><\/ul><p>Ezen fel\u00fcl \u00fcgyelni kell arra is, hogy minden bank maga hat\u00e1rozza meg az elfogadhat\u00f3 j\u00f6vedelmek k\u00f6r\u00e9t, teh\u00e1t olyat kell v\u00e1lasztani, amelyikn\u00e9l az, ami a h\u00e1ztart\u00e1s rendelkez\u00e9s\u00e9re \u00e1ll, egy\u00fattal elfogadott is. Hogy honnan lehet ezt megtudni? T\u0151l\u00fcnk vagy a bankt\u00f3l, de sokszor csak a behat\u00f3bb vizsg\u00e1lat sor\u00e1n der\u00fcl ki, hogy ja, ezt vagy azt m\u00e9gsem fogadja el a bank. Pl. osztal\u00e9kot csak akkor, ha legal\u00e1bb 51%-ban tulajdonolt c\u00e9gb\u0151l sz\u00e1rmazik, GYED-et, ha m\u00e9g legal\u00e1bb 6 h\u00f3nap van bel\u0151le h\u00e1tra az ig\u00e9nyl\u00e9s pillanat\u00e1ban stb. T\u00f6bbek k\u00f6z\u00f6tt ezekkel szoktunk \u00f3r\u00e1kat elt\u00f6lteni egy-egy \u00fcgy el\u0151k\u00e9sz\u00edt\u00e9se sor\u00e1n, annyira bonyolult tud lenni egy-egy h\u00e1ztart\u00e1s j\u00f6vedelmi oldala.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2a2051 elementor-widget elementor-widget-n-accordion\" data-id=\"d2a2051\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2200\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kombin\u00e1lhat\u00f3-e a CSOK Plusz Falusi CSOK-kal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2200\" class=\"elementor-element elementor-element-2178d5d e-con-full e-flex e-con e-child\" data-id=\"2178d5d\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2200\" class=\"elementor-element elementor-element-d306fcf e-flex e-con-boxed e-con e-child\" data-id=\"d306fcf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42ad16a elementor-widget elementor-widget-text-editor\" data-id=\"42ad16a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Igen, \u00fan. prefer\u00e1lt kistelep\u00fcl\u00e9sen, s\u0151t, azokon m\u00e9g a r\u00e9gi Otthonteremt\u0151 hitel is felvehet\u0151, de az egyik bank legut\u00f3bbi oktat\u00e1s\u00e1n az is elhangzott, hogy ez csup\u00e1n elm\u00e9leti lehet\u0151s\u00e9g, n\u00e1luk nem is lehet ezt k\u00e9rni, mert elt\u00e9r\u0151 egy picit a kett\u0151 felt\u00e9telrendszere, s ez\u00e9rt nem tudj\u00e1k kezelni. Jelenleg egy\u00e9bk\u00e9nt egy bank tudja mindkett\u0151t egyszerre is ny\u00fajtani.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96f604c elementor-widget elementor-widget-n-accordion\" data-id=\"96f604c\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1580\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1580\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lehet-e m\u00e1s hitelt is felvenni a CSOK Plusz mell\u00e9? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1580\" class=\"elementor-element elementor-element-6debee2 e-con-full e-flex e-con e-child\" data-id=\"6debee2\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1580\" class=\"elementor-element elementor-element-760df94 e-flex e-con-boxed e-con e-child\" data-id=\"760df94\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ccb05 elementor-widget elementor-widget-text-editor\" data-id=\"32ccb05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sok esetben nem elegend\u0151 m\u00e9g a CSOK Plusz sem az adott c\u00e9lra, ilyenkor j\u00f6het j\u00f3l a kieg\u00e9sz\u00edt\u00e9se ak\u00e1r babav\u00e1r\u00f3, ak\u00e1r egy\u00e9b piaci lak\u00e1shitellel vagy a 2025. szeptember\u00e9t\u0151l el\u00e9rhet\u0151 Otthon Starttal. K\u00e9t bank r\u00e1ad\u00e1sul k\u00fcl\u00f6n is jutalmazza azt kamatkedvezm\u00e9nnyel, ha k\u00e9tf\u00e9le hitelt is k\u00e9r valaki \u00e9s a piaci hitel nem nagyobb \u00f6sszeg\u0171 a CSOK Plusz keret\u00e9ben k\u00e9rtn\u00e9l, ez\u00e9rt \u00e9rdemes el\u0151sz\u00f6r ezt a k\u00e9t bankot megn\u00e9zni, mert b\u0151ven a t\u00f6bbi piaci konstrukci\u00f3 kamata alatt adj\u00e1k ilyenkor a piaci hitel\u00fcket, abb\u00f3l a megfontol\u00e1sb\u00f3l kiindulva, hogy a CSOK Pluszon megkeresett t\u00f6bblet kamatbev\u00e9tel (jelenleg 7,66%-os kamattal sz\u00e1molj\u00e1k azt el, mik\u00f6zben \u00fcgyf\u00e9lk\u00e9nt el\u00e9g 3%-at fizetni) terh\u00e9re adnak engedm\u00e9nyt a piaci konstrukci\u00f3ikn\u00e1l.<\/p><p>Egyed\u00fcl a r\u00e9gi Otthonteremt\u0151 hitelt nem lehet a CSOK Plusszal kombin\u00e1lni, m\u00e9g prefer\u00e1lt kistelep\u00fcl\u00e9sen sem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50cda94 elementor-widget elementor-widget-n-accordion\" data-id=\"50cda94\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8470\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8470\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen hitelk\u00e9pess\u00e9gre van sz\u00fcks\u00e9g a CSOK Pluszhoz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8470\" class=\"elementor-element elementor-element-e583b74 e-con-full e-flex e-con e-child\" data-id=\"e583b74\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8470\" class=\"elementor-element elementor-element-4ae0c46 e-flex e-con-boxed e-con e-child\" data-id=\"4ae0c46\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d77792f elementor-widget elementor-widget-text-editor\" data-id=\"d77792f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Term\u00e9szetesen nem elegend\u0151 a CSOK Plusz \u00e1llam \u00e1ltal el\u0151\u00edrt ig\u00e9nyl\u00e9si felt\u00e9teleit teljes\u00edteni \u00e9s megfelel\u0151 ingatlant bemutatni fedezetnek, hanem hitelk\u00e9pesnek is kell tal\u00e1ltatni a k\u00e9rt \u00f6sszeg\u0171 hitel erej\u00e9ig legal\u00e1bb. Itt is igazak teh\u00e1t az \u00e1ltal\u00e1nos, az \u00fan. JTM-limitek (j\u00f6vedelem\/t\u00f6rleszt\u0151 r\u00e9szlet mutat\u00f3k, azaz, hogy a j\u00f6vedelmek maxim\u00e1lisan milyen ar\u00e1nyban terhelhet\u0151ek t\u00f6rleszt\u0151kkel), de mindemellett az adott bank szab\u00e1lyainak is meg kell felelni, ami lehet a jogszab\u00e1lyi elv\u00e1r\u00e1sokn\u00e1l szigor\u00fabb is. B\u00e1r 5 \u00e9ves a kamatperi\u00f3dusa a CSOK Plusznak, de m\u00e9gis a 10 \u00e9v vagy hosszabb id\u0151re r\u00f6gz\u00edtett kamatoz\u00e1s\u00fa hitelek szerint kell vele sz\u00e1molni a fenti mutat\u00f3n\u00e1l, azaz<\/p><ul><li>nett\u00f3 600.000 Ft alatti h\u00e1ztart\u00e1si szint\u0171 j\u00f6vedelemn\u00e9l az legfeljebb 50%-ig<\/li><li>nett\u00f3 600.000 Ft feletti h\u00e1ztart\u00e1si szint\u0171 j\u00f6vedelemn\u00e9l pedig legfeljebb 60%-ig terhelhet\u0151ek t\u00f6rleszt\u0151kkel<\/li><\/ul><p>Ez \u00edgy nagyon egyszer\u0171nek t\u0171nhet els\u0151re, de az al\u00e1bbiak miatt m\u00e9gsem teljesen az:<\/p><ol style=\"list-style-type: lower-alpha;\"><li>az el\u0151 van \u00edrva a bankoknak, hogy k\u00f6telez\u0151 j\u00f6vedelem alap\u00fa b\u00edr\u00e1latot csin\u00e1lniuk<\/li><li>az is, hogy ennek sor\u00e1n csak igazolt j\u00f6vedelmeket vehetnek figyelembe a fenti m\u00e9rt\u00e9kig terhelve \u0151ket<\/li><li>de hogy milyen j\u00f6vedelmeket fogadnak el \u00e9s azokat milyen m\u00e9rt\u00e9ig veszik figyelembe, az teljesen eg\u00e9sz\u00e9ben rajtuk m\u00falik. S pontosan itt van a kutya el\u00e1sva, mert nagyon sok h\u00e1ztart\u00e1sn\u00e1l nem mindegy, hogy sz\u00e1molnak-e m\u00e9g a GYED-el, b\u00e9rleti d\u00edjjal, osztal\u00e9kkal mint \u00fan. m\u00e1sodlagos j\u00f6vedelmekkel vagy sem, mert ha nem, akkor nem megy az \u00fcgylet, ha igen, akkor megy. Ez\u00e9rt ezt mindig esetr\u0151l esetre nagyon t\u00fczetesen v\u00e9gig kell n\u00e9zn\u00fcnk nek\u00fcnk is, mert szinte minden h\u00e1ztart\u00e1s m\u00e1s, ebben vagy abban k\u00fcl\u00f6nb\u00f6zik a t\u00f6bbit\u0151l (pl. meddig j\u00e1r m\u00e9g a GYED, mi\u00f3ta \u00e1ll fenn a b\u00e9rleti szerz\u0151d\u00e9s, h\u00e1ny %-os tulajdoni h\u00e1nyad kell az osztal\u00e9k elfogad\u00e1s\u00e1hoz \u00e9s h\u00e1ny \u00e9vre visszamen\u0151leg kell tudni osztal\u00e9kot igazolni stb.).<\/li><li>v\u00e9g\u00fcl pedig ami CSOK Plusz specifikus, az a jogszab\u00e1ly \u00e1ltal el\u0151\u00edrt k\u00f6telez\u0151 els\u0151 \u00e9vi t\u00fcrelmi id\u0151, ami alatt akkor is csak kamatot lehet fizetni, ha menne a t\u0151ke is. Nyilv\u00e1n nem mindegy a hitelb\u00edr\u00e1latn\u00e1l pl. egy 50 milli\u00f3s hiteln\u00e9l, hogy csak a t\u00fcrelmi id\u0151 alatt fizetend\u0151 125.000 Ft kamattal sz\u00e1mol-e a bank vagy a t\u00fcrelmi id\u0151 letelte ut\u00e1ni 240.000-es teljes t\u00f6rleszt\u0151vel. El\u0151bbihez elvben el\u00e9g lenne 250.000 nett\u00f3 is h\u00e1ztart\u00e1si szinten, ut\u00f3bbihoz m\u00e1r 480.000 kellene minimum, ha semmilyen m\u00e1s hitel nincs. Nem ugyanaz. Pont ez\u00e9rt fontos tudni, hogy olyan futamid\u0151t \u00e9rdemes v\u00e1lasztani, amin\u00e9l a norm\u00e1l t\u00f6rleszt\u0151 is \u00e1t tud menni a j\u00f6vedelem-vizsg\u00e1laton \u00e9s ahhoz m\u00e9rten kell meglennie a bankok \u00e1ltal sz\u00e1molt, minim\u00e1lisan sz\u00fcks\u00e9ges nett\u00f3 h\u00e1ztart\u00e1si szint\u0171 j\u00f6vedelemnek.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef44acc elementor-widget elementor-widget-n-accordion\" data-id=\"ef44acc\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2500\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2500\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kaphat-e CSOK Pluszt az, aki kor\u00e1bban m\u00e1r vett fel CSOK-ot \u00e9s t\u00e1mogatott lak\u00e1shitelt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2500\" class=\"elementor-element elementor-element-50536ff e-con-full e-flex e-con e-child\" data-id=\"50536ff\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2500\" class=\"elementor-element elementor-element-dd0c490 e-flex e-con-boxed e-con e-child\" data-id=\"dd0c490\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b83d36 elementor-widget elementor-widget-text-editor\" data-id=\"5b83d36\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A kor\u00e1bban felvett CSOK vagy t\u00e1mogatott hitel nem kiz\u00e1r\u00f3 ok a CSOK Plusz ig\u00e9nyl\u00e9sekor, de mag\u00e1t a CSOK Pluszt mindenki csak egyszer veheti ig\u00e9nybe.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdaf130 e-flex e-con-boxed e-con e-parent\" data-id=\"cdaf130\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f441ae e-grid e-con-full e-con e-child\" data-id=\"7f441ae\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d6b17d5 e-con-full e-flex e-con e-child\" data-id=\"d6b17d5\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-041abb9 e-grid e-con-full e-con e-child\" data-id=\"041abb9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1faa59e e-con-full e-flex e-con e-child\" data-id=\"1faa59e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a54060e elementor-widget elementor-widget-image\" data-id=\"a54060e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"434\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/Interior-Hero-Image-Mobile_loans-1024x555.webp\" class=\"attachment-large size-large wp-image-1170\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/Interior-Hero-Image-Mobile_loans-1024x555.webp 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/Interior-Hero-Image-Mobile_loans-300x163.webp 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/Interior-Hero-Image-Mobile_loans-768x416.webp 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/09\/Interior-Hero-Image-Mobile_loans.webp 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b046b65 e-con-full e-flex e-con e-child\" data-id=\"b046b65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d57e5aa elementor-widget elementor-widget-heading\" data-id=\"d57e5aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mik a kond\u00edci\u00f3i a CSOK Plusznak?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd6464f elementor-widget elementor-widget-n-accordion\" data-id=\"dd6464f\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2320\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2320\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mennyi lehet a CSOK Plusz \u00f6sszege? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2320\" class=\"elementor-element elementor-element-49eb70e e-con-full e-flex e-con e-child\" data-id=\"49eb70e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2320\" class=\"elementor-element elementor-element-298d5d7 e-flex e-con-boxed e-con e-child\" data-id=\"298d5d7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cd9acd elementor-widget elementor-widget-text-editor\" data-id=\"0cd9acd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Az ig\u00e9nyelhet\u0151 CSOK Plusz \u00f6sszeg\u00e9t a v\u00e1llalt \u00e9s a megl\u00e9v\u0151 gyerekek egy\u00fcttes sz\u00e1ma hat\u00e1rozza meg, amellett, hogy bizonyos kor\u00fa h\u00e1zasp\u00e1rnak kell lenni hozz\u00e1. Minimum egy gyereket kell v\u00e1llalni, a n\u00e9lk\u00fcl nincs CSOK Plusz.<\/p><ul><li>egy v\u00e1llalt gyerek eset\u00e9n a maxim\u00e1lis \u00f6sszeg: 15 milli\u00f3 Ft<\/li><li>egy v\u00e1llalt \u00e9s egy megl\u00e9v\u0151 gyermekn\u00e9l a maxim\u00e1lis \u00f6sszeg: 30 milli\u00f3 Ft<\/li><li>egy v\u00e1llalt \u00e9s k\u00e9t megl\u00e9v\u0151 gyermekn\u00e9l a maxim\u00e1lis \u00f6sszeg: 50 milli\u00f3 Ft<\/li><\/ul><p>Ugyanezek a maxim\u00e1lis \u00f6sszegek \u00e9rhet\u0151ek el akkor is, ha k\u00e9t vagy h\u00e1rom v\u00e1llalt gyerek ut\u00e1n ig\u00e9nyli meg a CSOK Pluszt.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a56de0a elementor-widget elementor-widget-n-accordion\" data-id=\"a56de0a\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1730\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen k\u00f6lts\u00e9gei vannak a CSOK Plusznak? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-0dcc542 e-con-full e-flex e-con e-child\" data-id=\"0dcc542\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-8301c65 e-flex e-con-boxed e-con e-child\" data-id=\"8301c65\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3d9d29 elementor-widget elementor-widget-text-editor\" data-id=\"c3d9d29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz hitelnek is vannak egyszeri, folyamatos \u00e9s eseti k\u00f6lts\u00e9gei, mint minden hitelnek.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de82fb1 elementor-widget elementor-widget-image\" data-id=\"de82fb1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"492\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret-1024x630.jpg\" class=\"attachment-large size-large wp-image-1835\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret-1024x630.jpg 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret-300x185.jpg 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret-768x473.jpg 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret-1536x945.jpg 1536w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-dijak-modositott-meret.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61067ad elementor-widget elementor-widget-text-editor\" data-id=\"61067ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tHavi d\u00edjai:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li><strong>kamat<\/strong>: ez a legfontosabb az \u00f6sszes k\u00f6lts\u00e9gelem k\u00f6z\u00fcl, m\u00e9rt\u00e9ke fix 3% az \u00e1llami kamatt\u00e1mogat\u00e1s folyt\u00e1n, am\u00edg a kamatt\u00e1mogat\u00e1s felt\u00e9telei fenn\u00e1llnak, egy\u00e9bk\u00e9nt meg:\n<em>\u201eA CSOK Plusz \u00fcgyleti kamat\u00e1nak <\/em><em>\u00e9<\/em><em>ves m<\/em><em>\u00e9rt<\/em><em>\u00e9ke nem haladhatja meg az egy<\/em><em>\u00e9ves, vagy egy <\/em><em>\u00e9vn<\/em><em>\u00e9l hosszabb id\u0151szakra \u00e1lland\u00f3 kamatoz\u00e1s\u00fa k<\/em><em>\u00f6lcs<\/em><em>\u00f6n eset<\/em><em>\u00e9n az \u00c1<\/em><em>llamad\u00f3ss\u00e1g Kezel\u0151 K<\/em><em>\u00f6zpont \u00c1KK Zrt. \u00e1ltal havi rendszeress<\/em><em>\u00e9ggel k<\/em><em>\u00f6<\/em><em>zz<\/em><em>\u00e9tett, a k<\/em><em>\u00f6<\/em><em>zz<\/em><em>\u00e9t<\/em><em>\u00e9telt megel\u0151z\u0151 3 napt\u00e1ri h<\/em><em>\u00f3napban tartott, 5 <\/em><em>\u00e9ves n\u00e9vleges futamidej\u0171 \u00e1llamk<\/em><em>\u00f6tv<\/em><em>\u00e9ny aukci<\/em><em>\u00f3in kialakult \u00e1tlaghozamok adott aukci<\/em><em>\u00f3kon elfogadott mennyis<\/em><em>\u00e9gekkel s\u00falyozott sz\u00e1mtani \u00e1tlaga 110 sz\u00e1zal<\/em><em>\u00e9k\u00e1nak 1 sz\u00e1zal<\/em><em>\u00e9kponttal n<\/em><em>\u00f6velt m<\/em><em>\u00e9rt<\/em><em>\u00e9k<\/em><em>\u00e9t.\u201d\n<\/em>Ez a kacif\u00e1ntos megfogalmaz\u00e1s azt hivatott szolg\u00e1lni, hogy a t\u00e9nylegesen alkalmazott kamat m\u00e9rt\u00e9ke szab\u00e1lyozva legyen, ne a bankok k\u00e9nye-kedve szerinti \u00f6sszeget sz\u00e1molhass\u00e1k el az \u00e1llam fel\u00e9. Emiatt az \u00c1llamad\u00f3ss\u00e1g Kezel\u0151 K\u00f6zpont (\u00c1KK) \u00e1ltal publik\u00e1lt fenti mutat\u00f3t kell alapul venni, ami alapj\u00e1n jelenleg 7,66%-ra j\u00f6n ki ez a kamatl\u00e1b. Vagyis az \u00e1llam t\u00f6bb mint 1,5-szer annyit, eg\u00e9szen pontosan 4,66%-ot fizet a bankoknak a CSOK Plusz hitelek ut\u00e1n, m\u00edg az ig\u00e9nyl\u0151k 3%-ot. De ez az \u00e9rt\u00e9k 5 \u00e9vente v\u00e1ltozhat, mert 5 \u00e9ves kamatperi\u00f3dus\u00fanak min\u0151s\u00fclnek a CSOK Plusz hitelek.<\/li>\n \t<li><strong>kezel<\/strong><strong>\u00e9si k<\/strong><strong>\u00f6<\/strong><strong>lts<\/strong><strong>\u00e9g<\/strong>: nincs CSOK Pluszn\u00e1l<\/li>\n \t<li><strong>rendelkez<\/strong><strong>\u00e9sre tart\u00e1<\/strong><strong>si d\u00edj<\/strong>: ez egyes bankokn\u00e1l van, f\u0151leg \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sn\u00e1l vagy \u00e9p\u00edt\u00e9si hiteln\u00e9l, amikor m\u00e1r le van b\u00edr\u00e1lva, s\u0151t, le is van szerz\u0151dve a hitel, de m\u00e9g nincs kifoly\u00f3s\u00edtva, mert pl. v\u00e1rni kell a haszn\u00e1latbav\u00e9teli enged\u00e9 Ilyenkor a leszerz\u0151d\u00f6tt, de m\u00e9g ki nem foly\u00f3s\u00edtott hitel\u00f6sszeg ut\u00e1n \u00e9vi 1-2%-nak megfelel\u0151 rendelkez\u00e9sre tart\u00e1si d\u00edjat sz\u00e1m\u00edthatnak fel a bankok. \u00c9vi 2% a legmagasabb, 50 milli\u00f3s hitel\u00f6sszegn\u00e9l \u00e9vi 1 milli\u00f3 Ft-ot jelent, azaz havi 83.333 Ft-ot arra az id\u0151re, amikor szerz\u0151d\u00e9s m\u00e1r van, de foly\u00f3s\u00edt\u00e1s m\u00e9g nincs. \u00c9rdemes teh\u00e1t erre a k\u00f6lts\u00e9gelemre \u00e9s az ig\u00e9nyl\u00e9s id\u0151z\u00edt\u00e9s\u00e9re is \u00fcgyelni teh\u00e1t, elker\u00fclend\u0151 vagy a minimumra szor\u00edtand\u00f3 ezt a k\u00f6lts\u00e9gelemet. Jelleg\u00e9n\u00e9l fogva ez csak addig mer\u00fcl fel, ameddig ki nem foly\u00f3s\u00edtotta a bank a teljes hitel\u00f6sszeget.<\/li>\n<\/ol>\nEseti k\u00f6lts\u00e9gek:\n\nA fentieken t\u00fal mer\u00fclhetnek fel olyan k\u00f6lts\u00e9gelemek is, amelyek \u00d6n\u00f6n m\u00falnak, pl., hogy mikor t\u00f6rleszt el\u0151 vagy hogy k\u00e9ri-e a futamid\u0151 vagy a fedezet m\u00f3dos\u00edt\u00e1s\u00e1t. Ilyen esetekben a bankok k\u00fcl\u00f6n d\u00edjakat sz\u00e1m\u00edthatnak fel, hiszen feladatot ad nekik egy-egy ilyen k\u00e9r\u00e9s. A CSOK Pluszn\u00e1l kedvezm\u00e9nyes az el\u0151t\u00f6rleszt\u00e9si d\u00edj, annak m\u00e9rt\u00e9ke az el\u0151t\u00f6rlesztett \u00f6sszeg 1%-a az egy\u00e9b hitelekn\u00e9l megengedett 2%-al szemben.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d379a3d elementor-widget elementor-widget-n-accordion\" data-id=\"d379a3d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2210\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2210\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen futamid\u0151re lehet felvenni a CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2210\" class=\"elementor-element elementor-element-f11c0f4 e-con-full e-flex e-con e-child\" data-id=\"f11c0f4\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2210\" class=\"elementor-element elementor-element-8edd7f5 e-flex e-con-boxed e-con e-child\" data-id=\"8edd7f5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd2fab4 elementor-widget elementor-widget-text-editor\" data-id=\"dd2fab4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ha kisebb \u00f6sszeget venne fel vagy szeretn\u00e9 gyorsan letudni, akkor j\u00f3, ha tudja, hogy a minimum futamid\u0151 a CSOK Pluszn\u00e1l 10 \u00e9v, a maxim\u00e1lis pedig 25 \u00e9v.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5caa266 elementor-widget elementor-widget-n-accordion\" data-id=\"5caa266\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9710\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9710\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen t\u00f6rleszt\u0151je lesz a CSOK Plusznak? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9710\" class=\"elementor-element elementor-element-3d484f3 e-con-full e-flex e-con e-child\" data-id=\"3d484f3\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9710\" class=\"elementor-element elementor-element-44d4484 e-flex e-con-boxed e-con e-child\" data-id=\"44d4484\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed039c elementor-widget elementor-widget-text-editor\" data-id=\"9ed039c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Az egyszer\u0171s\u00e9g \u00e9s a k\u00f6nnyebb \u00e1tsz\u00e1molhat\u00f3s\u00e1g kedv\u00e9\u00e9rt 10 milli\u00f3 Ft-ra vet\u00edtve 25 \u00e9ves futamid\u0151re ezek j\u00f6nnek ki:<\/p><table width=\"496\"><tbody><tr><td width=\"188\"><p>Hitel\u00f6sszeg<\/p><\/td><td width=\"127\"><p>1-12. h\u00f3napban<\/p><p>(t\u00fcrelmi id\u0151 alatt)<\/p><\/td><td width=\"181\"><p>13. h\u00f3napt\u00f3l<\/p><\/td><\/tr><tr><td width=\"188\"><p>10.000.000<\/p><\/td><td width=\"127\"><p>25.000 Ft<\/p><\/td><td width=\"181\"><p>48.751 Ft<\/p><\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><p>Megjegyz\u00e9s: 3%-os t\u00e1mogatott kamattal, egy \u00e9ves t\u00fcrelmi id\u0151vel, 25 \u00e9ves futamid\u0151re<\/p><p>15 milli\u00f3n\u00e1l ezek 1,5-szeres\u00e9vel, 30 milli\u00f3n\u00e1l a h\u00e1romszoros\u00e1val lehet sz\u00e1molni. Ezek a minimum fizetend\u0151 t\u00f6rleszt\u0151k a lehets\u00e9ges leghosszabb futamid\u0151 mellett, de ha enn\u00e9l r\u00f6videbb futamid\u0151t szeretne v\u00e1lasztani, ami lehets\u00e9ges, akkor \u00e9rtelemszer\u0171en a 13. h\u00f3napt\u00f3l fizetend\u0151 t\u00f6rleszt\u0151k emelkedni kezdenek, cser\u00e9be a r\u00f6videbb k\u00f6telezetts\u00e9g\u00e9rt. K\u00f6zgazdas\u00e1gilag persze nem biztos, hogy meg\u00e9ri kifizetni a 3%-os hitelt, ha meg is van r\u00e1 a fedezet, mert az a legegyszer\u0171bb \u00e9s legbiztons\u00e1gosabb befektet\u00e9si form\u00e1ban, magyar \u00e1llampap\u00edrban \u00e9vek \u00f3ta t\u00f6bbet vagy j\u00f3val t\u00f6bbet tud hozni \u00e9s akkor az enn\u00e9l nagyobb hozampotenci\u00e1llal, igaz, kock\u00e1zattal j\u00e1r\u00f3 egy\u00e9b befektet\u00e9sekr\u0151l nem is besz\u00e9lt\u00fcnk. De, aki nyugodtabban alszik hitel n\u00e9lk\u00fcl, az fizesse vissza b\u00e1tran \u00e9s ne zavarja az a tudat, hogy mennyivel t\u00f6bbet hozhatott volna a megtakar\u00edt\u00e1sa a hitel kamat\u00e1hoz k\u00e9pest<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-244cbcb elementor-widget elementor-widget-n-accordion\" data-id=\"244cbcb\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3800\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3800\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mit jelent az a CSOK Pluszn\u00e1l, hogy az els\u0151 \u00e9vben t\u00fcrelmi id\u0151s? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3800\" class=\"elementor-element elementor-element-a62a84c e-con-full e-flex e-con e-child\" data-id=\"a62a84c\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3800\" class=\"elementor-element elementor-element-373a636 e-flex e-con-boxed e-con e-child\" data-id=\"373a636\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-193b9d1 elementor-widget elementor-widget-text-editor\" data-id=\"193b9d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Szinte m\u00e1r teljesen kihalt az a v\u00e1laszt\u00e1si lehet\u0151s\u00e9g a hitelpiacon, hogy az els\u0151 id\u0151szakban, jellemz\u0151en az els\u0151 6-12 h\u00f3napban csak kamatot is lehessen fizetni, t\u0151ke n\u00e9lk\u00fcl, ami sokszor j\u00f3l j\u00f6n, ha pl. m\u00e9g egy illet\u00e9kfizet\u00e9s is terheli a h\u00e1ztart\u00e1si b\u00fcdzs\u00e9t az ingatlanszerz\u00e9st k\u00f6vet\u0151en vagy \u00e9p\u00edtkez\u00e9sn\u00e9l annak elk\u00e9sz\u00fclt\u00e9ig fizetni kell az alb\u00e9rletet is a megl\u00e9v\u0151 lakhat\u00e1s ut\u00e1n, mik\u00f6zben bek\u00f6lt\u00f6zni m\u00e9g nem lehet.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p><p>Mindezek ellen\u00e9re a jogalkot\u00f3 k\u00f6telez\u0151 jelleggel \u00e9s val\u00f3sz\u00edn\u0171leg azzal a j\u00f3 sz\u00e1nd\u00e9kkal \u00edrta el\u0151 a t\u00fcrelmi id\u0151 alkalmaz\u00e1s\u00e1t a CSOK Pluszn\u00e1l, hogy az m\u00e1r-m\u00e1r elt\u0171nni l\u00e1tszott a piacr\u00f3l. Ez azzal j\u00e1r, hogy ebben az id\u0151szakban m\u00e9g nem kezd el cs\u00f6kkenni a t\u0151ketartoz\u00e1s, a kamatot csak arra fizeti, mert m\u00e1r haszn\u00e1lja a bank p\u00e9nz\u00e9t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff6f316 elementor-widget elementor-widget-n-accordion\" data-id=\"ff6f316\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2670\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2670\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi a kamatperi\u00f3dusa a CSOK Plusz-os hitelnek? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2670\" class=\"elementor-element elementor-element-8af3bf1 e-con-full e-flex e-con e-child\" data-id=\"8af3bf1\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2670\" class=\"elementor-element elementor-element-c2a9d76 e-flex e-con-boxed e-con e-child\" data-id=\"c2a9d76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89a99f8 elementor-widget elementor-widget-text-editor\" data-id=\"89a99f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Itt is el\u00e9g rendhagy\u00f3 m\u00f3dszert alkalmazott a jogalkot\u00f3, ugyanis az els\u0151 id\u0151szakban egy \u00e9ves kamatperi\u00f3dust \u00edrt el\u0151, azt\u00e1n m\u00e1sodik peri\u00f3dusnak \u00fajabb egy \u00e9vet, s onnant\u00f3l 5 \u00e9veseket. Hogy ennek mi \u00e9rtelme lehetett, azt t\u0151le kellene megk\u00e9rdezni, tal\u00e1n abban b\u00edzott, hogy r\u00f6vid id\u0151n bel\u00fcl lejjebb megy a cs\u00facs infl\u00e1ci\u00f3 ut\u00e1n a referencia hozam is, mindenesetre ett\u0151l f\u00fcggetlen\u00fcl a t\u00e9nylegesen fizetend\u0151 kamat mindegyikben 3%, s csak akkor j\u00f6n el ennek jelent\u0151s\u00e9ge, ha valami miatt vissza kell fizetni a kapott kamatt\u00e1mogat\u00e1st \u00e9s ut\u00f3lag ki kell sz\u00e1molnia a p\u00e9nzint\u00e9zetnek ennek pontos \u00f6sszeg\u00e9t. Teh\u00e1t ebben a tekintetben van kamatkock\u00e1zat a CSOK Pluszban is, de csak azokn\u00e1l jelentkezik t\u00e9nylegesen, akik visszafizet\u00e9sre k\u00e9nyszer\u00fclnek.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20fec90 e-flex e-con-boxed e-con e-parent\" data-id=\"20fec90\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-96cfa87 e-con-full e-flex e-con e-child\" data-id=\"96cfa87\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54ef3bc elementor-widget elementor-widget-heading\" data-id=\"54ef3bc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hogyan lehet CSOK Pluszt ig\u00e9nyelni?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-622a774 elementor-widget elementor-widget-n-accordion\" data-id=\"622a774\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1020\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1020\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Hol lehet CSOK Pluszt ig\u00e9nyelni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1020\" class=\"elementor-element elementor-element-63bc10a e-con-full e-flex e-con e-child\" data-id=\"63bc10a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1020\" class=\"elementor-element elementor-element-e53fa9c e-flex e-con-boxed e-con e-child\" data-id=\"e53fa9c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a036404 elementor-widget elementor-widget-text-editor\" data-id=\"a036404\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>B\u00e1r egyes lak\u00e1st\u00e1mogat\u00e1sokat (pl. a kor\u00e1bbi lak\u00e1sfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1st) a korm\u00e1nyhivatalokon kereszt\u00fcl a Magyar \u00c1llamkincst\u00e1rn\u00e1l lehet megig\u00e9nyelni, a CSOK Pluszt valamennyi nagyobb kereskedelmi bank forgalmazza. Fontos azonban tudnia, hogy nem mindegyikn\u00e9l ig\u00e9nyelheti meg a jogszab\u00e1lyban meghat\u00e1rozott c\u00e9lokra, mert egyes bankok pl. \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sra m\u00e9g nem vezett\u00e9k be, m\u00e1shol pedig \u00e9p\u00edt\u00e9si c\u00e9lra nem lehet megig\u00e9nyelni, ez\u00e9rt a hitelc\u00e9l tiszt\u00e1z\u00e1s\u00e1t k\u00f6vet\u0151en lehet elkezdeni megfelel\u0151 bankot n\u00e9zni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-240e63e elementor-widget elementor-widget-n-accordion\" data-id=\"240e63e\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3780\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3780\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> H\u00e1nyszor lehet CSOK Pluszt ig\u00e9nyelni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3780\" class=\"elementor-element elementor-element-9651c1a e-con-full e-flex e-con e-child\" data-id=\"9651c1a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3780\" class=\"elementor-element elementor-element-ad9b163 e-flex e-con-boxed e-con e-child\" data-id=\"ad9b163\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11bfc45 elementor-widget elementor-widget-text-editor\" data-id=\"11bfc45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Szemben a kor\u00e1bbi Otthonteremt\u0151 vagy CSOK hitellel, a CSOK Pluszt mindenki csak egyszer ig\u00e9nyelheti meg. Ennek t\u00f6bbek k\u00f6z\u00f6tt olyan gyakorlati k\u00f6vetkezm\u00e9nye van, hogy nem lehet azt megcsin\u00e1lni, mint kor\u00e1bban, amikor \u00f6nk\u00e9ntesen vissza lehetett fizetni a CSOK-ot \u00e9s az Otthonteremt\u0151 hitelt, majd helyett\u00fck k\u00f6lt\u00f6z\u00e9skor \u00fajat ig\u00e9nyelni. A CSOK Pluszn\u00e1l ez a lehet\u0151s\u00e9g megsz\u0171nt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-732472e elementor-widget elementor-widget-n-accordion\" data-id=\"732472e\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1200\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1200\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Meddig lehet CSOK Pluszt ig\u00e9nyelni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1200\" class=\"elementor-element elementor-element-66edff8 e-con-full e-flex e-con e-child\" data-id=\"66edff8\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1200\" class=\"elementor-element elementor-element-3f0f7a5 e-flex e-con-boxed e-con e-child\" data-id=\"3f0f7a5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e3302c elementor-widget elementor-widget-text-editor\" data-id=\"3e3302c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>A jelenlegi jogszab\u00e1ly nem szab meg hat\u00e1rid\u0151t a CSOK Plusz ig\u00e9nyl\u00e9s\u00e9re, teh\u00e1t az arra jogosultak b\u00e1rmeddig ig\u00e9nyelhetik, am\u00edg a jogszab\u00e1ly nem v\u00e1ltozik meg e t\u00e9ren.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d63f67e elementor-widget elementor-widget-n-accordion\" data-id=\"d63f67e\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2240\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2240\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen hat\u00e1rid\u0151kre kell figyelni CSOK Plusz ig\u00e9nyl\u00e9sekor? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2240\" class=\"elementor-element elementor-element-1e567fb e-con-full e-flex e-con e-child\" data-id=\"1e567fb\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2240\" class=\"elementor-element elementor-element-0e66398 e-flex e-con-boxed e-con e-child\" data-id=\"0e66398\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4400d8 elementor-widget elementor-widget-text-editor\" data-id=\"d4400d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Az els\u0151 \u00e9s legfontosabb ig\u00e9nyl\u00e9si hat\u00e1rid\u0151 CSOK Pluszn\u00e1l az ig\u00e9nyl\u0151k \u00e9letkor\u00e1hoz kapcsol\u00f3dik, ugyanis a rendelet \u00fagy fogalmaz, hogy olyan h\u00e1zasp\u00e1rok ig\u00e9nyelhetik, ahol a feles\u00e9g az ig\u00e9nyl\u00e9s pillanat\u00e1ban nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t.<\/p><p>A m\u00e1sik fontos hat\u00e1rid\u0151 lak\u00e1sv\u00e1s\u00e1rl\u00e1sn\u00e1l, hogy legfeljebb 180 napn\u00e1l nem r\u00e9gebben k\u00f6t\u00f6tt ad\u00e1sv\u00e9telivel lehet megig\u00e9nyelni a CSOK Pluszt.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39d7141 elementor-widget elementor-widget-n-accordion\" data-id=\"39d7141\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6060\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6060\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi a folyamata a CSOK Plusz ig\u00e9nyl\u00e9s\u00e9nek? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6060\" class=\"elementor-element elementor-element-e0db980 e-con-full e-flex e-con e-child\" data-id=\"e0db980\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6060\" class=\"elementor-element elementor-element-4fe8ab2 e-flex e-con-boxed e-con e-child\" data-id=\"4fe8ab2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e30f86 elementor-widget elementor-widget-text-editor\" data-id=\"9e30f86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>A CSOK Pluszt ugyanolyan folyamat ment\u00e9n lehet megig\u00e9nyelni, mint egy norm\u00e1l jelz\u00e1loghitelt, azzal a k\u00fcl\u00f6nbs\u00e9ggel, hogy befogadni csak akkor tudj\u00e1k a bankok a k\u00e9relmet, ha megvan hozz\u00e1 minden. Ez nem azt jelenti, hogy k\u00e9s\u0151bb nem fordulhatnak el\u0151 hi\u00e1nyp\u00f3tl\u00e1sok, mert am\u00edg nem k\u00e9sz\u00fclt becsl\u00e9s, addig nem tudni, sz\u00fcks\u00e9g lesz-e m\u00e9g az ingatlannal kapcsolatban valamire, de mivel rengeteg \u00e1llami felt\u00e9telt is teljes\u00edteni kell a CSOK Pluszhoz \u00e9s a bankokat 30 ill. 60 napos b\u00edr\u00e1lati id\u0151 k\u00f6ti a CSOK Plusz eset\u00e9ben, ez\u00e9rt ragaszkodnak ahhoz, hogy mindent megkapjanak m\u00e1r befogad\u00e1sra. Teh\u00e1t:<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db9374e elementor-widget elementor-widget-image\" data-id=\"db9374e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1772\" height=\"1181\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata.jpg\" class=\"attachment-full size-full wp-image-1608\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata.jpg 1772w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata-300x200.jpg 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata-1024x682.jpg 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata-768x512.jpg 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/vhitelfelvetel-folyamata-1536x1024.jpg 1536w\" sizes=\"(max-width: 1772px) 100vw, 1772px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1955ef4 elementor-widget elementor-widget-n-accordion\" data-id=\"1955ef4\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2650\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2650\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mennyi id\u0151n bel\u00fcl kell elb\u00edr\u00e1lniuk a bankoknak a CSOK Plusz k\u00e9relmem? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2650\" class=\"elementor-element elementor-element-cd8714b e-con-full e-flex e-con e-child\" data-id=\"cd8714b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2650\" class=\"elementor-element elementor-element-a76070e e-flex e-con-boxed e-con e-child\" data-id=\"a76070e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86f363d elementor-widget elementor-widget-text-editor\" data-id=\"86f363d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>A p\u00e9nzint\u00e9zeteket pedig v\u00e1s\u00e1rl\u00e1sn\u00e1l 30 napos, \u00e9p\u00edt\u00e9sn\u00e9l \u00e9s b\u0151v\u00edt\u00e9sn\u00e9l pedig 60 napos elb\u00edr\u00e1l\u00e1si hat\u00e1rid\u0151 k\u00f6ti.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40c3099 elementor-widget elementor-widget-n-accordion\" data-id=\"40c3099\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6790\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6790\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mit tehetek, ha elutas\u00edtja a bank a CSOK Plusz k\u00e9relmem? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6790\" class=\"elementor-element elementor-element-fc6316e e-con-full e-flex e-con e-child\" data-id=\"fc6316e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6790\" class=\"elementor-element elementor-element-e48050b e-flex e-con-boxed e-con e-child\" data-id=\"e48050b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-215dc87 elementor-widget elementor-widget-text-editor\" data-id=\"215dc87\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Err\u0151l a bank k\u00f6teles ki\u00e9rtes\u00edteni \u00d6nt \u00e9s ami k\u00fcl\u00f6nleges a CSOK Pluszban, hogy meg kell jel\u00f6lnie az elutas\u00edt\u00e1s pontos ok\u00e1t is. Az \u00e1ltal\u00e1nos szab\u00e1ly a hitelez\u00e9sben az ugyanis, hogy a hitelint\u00e9zet fenntartja mag\u00e1nak a hitelb\u00edr\u00e1lat jog\u00e1t \u00e9s nem k\u00f6teles a d\u00f6nt\u00e9s\u00e9t megindokolni.<\/p><p>Ez az indokl\u00e1si k\u00f6telezetts\u00e9g azonban csak azon CSOK Plusz felt\u00e9telek felsorol\u00e1s\u00e1t jelenti, amelyek nem teljes\u00fcl\u00e9s\u00e9t a bank meg\u00e1llap\u00edtotta, teh\u00e1t ha egy\u00e9b okb\u00f3l nem hagyta j\u00f3v\u00e1 a k\u00e9relmet (pl. akt\u00edv KHR tartoz\u00e1s miatt), akkor azt nem felt\u00e9tlen\u00fcl kell kiadnia. De ez is seg\u00edts\u00e9g lehet a tov\u00e1bbl\u00e9p\u00e9sben. Ritk\u00e1n ugyan, de el\u0151fordulhat olyan eset, amit az egyik bank m\u00e1shogy \u00edt\u00e9l meg, mint a t\u00f6bbi. Legink\u00e1bb az ingatlannal kapcsolatban fordulhat el\u0151 ez, amikor az egyik azt \u00e1llap\u00edtja meg, hogy nem teljes\u00edti a CSOK Plusz \u00e1ltal el\u0151\u00edrt k\u00f6vetelm\u00e9nyeket (komfortoss\u00e1g, nm m\u00e9ter stb.).<\/p><p>Amennyiben nem \u00e9rt egyet az indokl\u00e1ssal, akkor 15 napon bel\u00fcl a korm\u00e1nyhivatalhoz fordulhat, ami meg\u00e1llap\u00edthatja azt, hogy az ig\u00e9nyl\u00e9s pillanat\u00e1ban minden CSOK Plusz felt\u00e9telnek megfelelt \u00e9s utas\u00edtja a bankot a k\u00f6lcs\u00f6nszerz\u0151d\u00e9s megk\u00f6t\u00e9s\u00e9re. De ehhez el\u0151bb a banknak meg kell hoznia az elutas\u00edt\u00f3 d\u00f6nt\u00e9s\u00e9t, az indokl\u00e1ssal, m\u00e1sk\u00fcl\u00f6nben nem lehet a korm\u00e1nyhivatalhoz fordulni.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-788eac0 elementor-widget elementor-widget-n-accordion\" data-id=\"788eac0\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1260\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1260\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Hogyan foly\u00f3s\u00edtj\u00e1k a bankok a CSOK Pluszt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1260\" class=\"elementor-element elementor-element-e42f06b e-con-full e-flex e-con e-child\" data-id=\"e42f06b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1260\" class=\"elementor-element elementor-element-5fcea38 e-flex e-con-boxed e-con e-child\" data-id=\"5fcea38\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2b5fc elementor-widget elementor-widget-text-editor\" data-id=\"5f2b5fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>A CSOK Plusz foly\u00f3s\u00edt\u00e1s\u00e1ra a norm\u00e1l szab\u00e1lyok vonatkoznak, teh\u00e1t v\u00e1s\u00e1rl\u00e1sn\u00e1l egy \u00f6sszegben, utols\u00f3 r\u00e9szletk\u00e9nt az elad\u00f3nak (kiv\u00e9telesen \u00fcgyv\u00e9di let\u00e9ti sz\u00e1ml\u00e1ra), b\u0151v\u00edt\u00e9sn\u00e9l vagy \u00e9p\u00edt\u00e9sn\u00e9l pedig szakaszosan.<\/p><p>Ut\u00f3bbiak eset\u00e9ben, mivel t\u00e1mogatott konstrukci\u00f3r\u00f3l van sz\u00f3, foly\u00f3s\u00edt\u00e1si felt\u00e9tel a j\u00f3v\u00e1hagyott b\u0151v\u00edt\u00e9si vagy \u00e9p\u00edt\u00e9si k\u00f6lts\u00e9gvet\u00e9s 70%-\u00e1nak megfelel\u0151 mennyis\u00e9g\u0171 sz\u00e1mla bemutat\u00e1sa is, szemben egy piaci kamatoz\u00e1s\u00fa hitellel.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77693d9 e-flex e-con-boxed e-con e-parent\" data-id=\"77693d9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8cb4206 e-con-full e-flex e-con e-child\" data-id=\"8cb4206\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2258c7e elementor-widget elementor-widget-heading\" data-id=\"2258c7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Milyen t\u00e1mogat\u00e1sokkal kombin\u00e1lhat\u00f3 a CSOK Plusz?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4a3c13 elementor-widget elementor-widget-text-editor\" data-id=\"b4a3c13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>A kamatt\u00e1mogat\u00e1s mellett a CSOK Pluszhoz m\u00e9g t\u00f6bb m\u00e1s kedvezm\u00e9ny is kapcsol\u00f3dik:<\/p><ul><li>v\u00e1s\u00e1rl\u00e1s eset\u00e9n <strong>illet<\/strong><strong>\u00e9<\/strong><strong>kmentess<\/strong><strong>\u00e9g<\/strong>, ami sok milli\u00f3s \u00f6sszeg lehet ilyen ingatlan\u00e1rak mellett (a v\u00e9tel\u00e1r 4%-a lenne egy\u00e9nk\u00e9nt alap esetben)<\/li><li>a CSOK-hoz kapcsol\u00f3dott m\u00e9g \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sn\u00e1l \u00e9s \u00e9p\u00edtkez\u00e9sn\u00e9l <strong>\u00c1FA-visszat<\/strong><strong>\u00e9r\u00edt<\/strong><strong>\u00e9s<\/strong> is, ami megsz\u0171nt, \u00edgy ez most m\u00e1r csup\u00e1n a Falusi CSOK-kal v\u00e1s\u00e1rolt vagy \u00e9p\u00edtett ingatlanok eset\u00e9ben maradt fenn<\/li><li>\u00faj elemk\u00e9nt bej\u00f6tt viszont a <strong>tartoz\u00e1s elenged<\/strong><strong>\u00e9s <\/strong>a CSOK Plusz ig\u00e9nyl\u00e9se ut\u00e1n sz\u00fcletett 2. gyerekt\u0151l (gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s)<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b932268 elementor-widget elementor-widget-n-accordion\" data-id=\"b932268\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1940\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1940\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mikor j\u00e1r illet\u00e9kmentess\u00e9g a CSOK Pluszhoz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1940\" class=\"elementor-element elementor-element-6305292 e-con-full e-flex e-con e-child\" data-id=\"6305292\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1940\" class=\"elementor-element elementor-element-cd8a7c2 e-flex e-con-boxed e-con e-child\" data-id=\"cd8a7c2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e49d7e elementor-widget elementor-widget-text-editor\" data-id=\"5e49d7e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_26 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Mivel az \u00e9p\u00edtkez\u00e9sn\u00e9l, b\u0151v\u00edt\u00e9sn\u00e9l eleve nincs illet\u00e9kfizet\u00e9si k\u00f6telezetts\u00e9g, ez\u00e9rt lak\u00f3ingatlan tulajdon v\u00e1s\u00e1rl\u00e1sa eset\u00e9n j\u00f6het ez sz\u00f3ba. Azoknak nagy \u00e9rt\u00e9k ez, akik kisebb \u00e9rt\u00e9k\u0171 lak\u00f3ingatlan tulajdoni h\u00e1nyadot idegen\u00edtettek el a szerz\u00e9st megel\u0151z\u0151 3 \u00e9vben vagy terveznek elidegen\u00edteni a szerz\u00e9st k\u00f6vet\u0151 egy \u00e9ven bel\u00fcl, mert nekik egy\u00e9bk\u00e9nt a k\u00e9t ingatlan \u00e1rk\u00fcl\u00f6nb\u00f6zet\u00e9nek 4%-\u00e1t kellene illet\u00e9kk\u00e9nt megfizetni\u00fck, CSOK Plusszal kombin\u00e1lt esetben viszont semmit. M\u00e9g el\u0151ny\u00f6sebb ez az els\u0151 lak\u00e1s v\u00e1s\u00e1rl\u00f3knak.<\/p><p>Ha pedig valaki t\u00f6bbf\u00e9le jogc\u00edmen szerezhet illet\u00e9kmentess\u00e9get (pl. pont a v\u00e1s\u00e1rolt vagy ahhoz k\u00f6zeli \u00e9rt\u00e9kkel megegyez\u0151 \u00e9rt\u00e9kben ad el), akkor \u00e9rdemes lehet m\u00e9rlegelnie, mert m\u00edg a CSOK Plusz miatti kedvezm\u00e9nyt rossz esetben vissza kell fizetni, a m\u00e1s jogc\u00edmen ig\u00e9nybe vett kedvezm\u00e9nyt viszont nem kell.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b1addf elementor-widget elementor-widget-n-accordion\" data-id=\"6b1addf\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1120\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> J\u00e1r-e \u00c1FA visszat\u00e9r\u00edt\u00e9s a CSOK Pluszhoz? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1120\" class=\"elementor-element elementor-element-fa9fc99 e-con-full e-flex e-con e-child\" data-id=\"fa9fc99\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1120\" class=\"elementor-element elementor-element-7fc427d e-flex e-con-boxed e-con e-child\" data-id=\"7fc427d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9eaf363 elementor-widget elementor-widget-text-editor\" data-id=\"9eaf363\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>CSOK Pluszhoz nem, de Falusi CSOK-hoz igen, teh\u00e1t, ha valaki Falusi CSOK-ot ig\u00e9nyel \u00e9s mell\u00e9 nem a CSOK-hitelt, hanem a CSOK Pluszt, akkor \u00edgy m\u00e9gis k\u00e9rhet \u00c1FA visszat\u00e9r\u00edt\u00e9st is CSOK Plusz mell\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d481386 elementor-widget elementor-widget-n-accordion\" data-id=\"d481386\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2220\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2220\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mennyi tartoz\u00e1st engednek el a CSOK Pluszn\u00e1l? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2220\" class=\"elementor-element elementor-element-58a1102 e-con-full e-flex e-con e-child\" data-id=\"58a1102\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2220\" class=\"elementor-element elementor-element-9476fc3 e-flex e-con-boxed e-con e-child\" data-id=\"9476fc3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dea7ea2 elementor-widget elementor-widget-text-editor\" data-id=\"dea7ea2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>A rendelet <strong>gyermekv\u00e1llal\u00e1<\/strong><strong>si t\u00e1mogat\u00e1s<\/strong>nak h\u00edvja a CSOK Plusz ig\u00e9nyl\u00e9s\u00e9t k\u00f6vet\u0151en megsz\u00fcletett m\u00e1sodik \u00e9s minden tov\u00e1bbi gyermek ut\u00e1ni 10 milli\u00f3 Ft tartoz\u00e1s elenged\u00e9s\u00e9t. Ezt mindig a fenn\u00e1ll\u00f3 t\u0151ketartoz\u00e1sb\u00f3l el\u0151t\u00f6rleszt\u00e9sk\u00e9nt kell a bankoknak elsz\u00e1molniuk \u00e9s ezt k\u00f6vet\u0151en az \u00faj t\u00f6rleszt\u0151t kisz\u00e1molniuk. Ha esetleg m\u00e1r kisebb lenne a fenn\u00e1ll\u00f3 t\u0151ketartoz\u00e1s enn\u00e9l, akkor legfeljebb a m\u00e9g fenn\u00e1ll\u00f3 tartoz\u00e1s \u00f6sszeg\u00e9ig sz\u00e1molj\u00e1k el a gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1st, teh\u00e1t az esetleges t\u00f6bbletet nem adj\u00e1k oda, ami miatt \u00e9rdemes lehet \u00fagy s\u00e1f\u00e1rkodni mind a hitel\u00f6sszeggel, mind az ett\u0151l a gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1st\u00f3l f\u00fcggetlen el\u0151t\u00f6rleszt\u00e9sekkel, hogy mire j\u00f6n a gyerek, m\u00e9g legyen legal\u00e1bb 10 milli\u00f3 Ft fenn\u00e1ll\u00f3 tartoz\u00e1s.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-216f6ed elementor-widget elementor-widget-n-accordion\" data-id=\"216f6ed\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3500\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3500\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi a k\u00fcl\u00f6nbs\u00e9g a jelz\u00e1loghitel elenged\u00e9s \u00e9s a CSOK Pluszhoz kapcsol\u00f3d\u00f3 gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s k\u00f6z\u00f6tt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3500\" class=\"elementor-element elementor-element-9be2ecc e-con-full e-flex e-con e-child\" data-id=\"9be2ecc\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3500\" class=\"elementor-element elementor-element-0b92d76 e-flex e-con-boxed e-con e-child\" data-id=\"0b92d76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd97929 elementor-widget elementor-widget-text-editor\" data-id=\"dd97929\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>2019-t\u0151l \u00e9rhet\u0151 el a m\u00e1sodik gyerek ut\u00e1ni 1, a harmadik gyerek ut\u00e1n pedig a 4 milli\u00f3 Ft-os tartoz\u00e1s-elenged\u00e9s lak\u00e1sc\u00e9l\u00fa hitelek eset\u00e9n (jogszab\u00e1lyi h\u00e1tt\u00e9r: 337\/2019 (XI.14.) Korm. rendelet a h\u00e1rom vagy t\u00f6bbgyermekes csal\u00e1dok lak\u00e1sc\u00e9l\u00fa jelz\u00e1loghitel-tartoz\u00e1sainak cs\u00f6kkent\u00e9s\u00e9r\u0151l). Enn\u00e9l csak annyi a l\u00e9nyeg, hogy 2019. ut\u00e1n sz\u00fcletett gyerekek ut\u00e1n j\u00e1r a t\u00e1mogat\u00e1s, amennyiben m\u00e1r a sz\u00fclet\u00e9s\u00fck el\u0151tt fenn\u00e1llt az a lak\u00e1shitel, amibe a bet\u00f6rleszt\u00e9st k\u00e9rni lehet.<\/p><p>Ezzel szemben a CSOK Pluszn\u00e1l egy most indul\u00f3 hitelr\u0151l van sz\u00f3, amibe ezt m\u00e1r nem lehet beforgatni, hi\u00e1ba 2019. ut\u00e1ni gyerekr\u0151l van sz\u00f3, amennyiben az a CSOK Plusz megig\u00e9nyl\u00e9se el\u0151tt sz\u00fcletett. Ha ut\u00e1na, akkor m\u00e1ris besz\u00e1m\u00edt a CSOK Plusz szempontj\u00e1b\u00f3l el\u00e9rend\u0151 2 gyerek egyik\u00e9be, ami felt\u00e9tele a gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1snak, a 10 milli\u00f3 Ft elenged\u00e9s\u00e9nek.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1845 size-full\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont.png\" alt=\"\" width=\"1500\" height=\"1500\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont.png 1500w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont-300x300.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont-1024x1024.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont-150x150.png 150w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/01\/CSOK-1500-x-1500-keppont-768x768.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/p><p>Amennyiben valaki mindk\u00e9t t\u00e1mogat\u00e1si form\u00e1ra jogosult lenne, akkor eld\u00f6ntheti, melyiket k\u00e9ri.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b6a373 e-flex e-con-boxed e-con e-parent\" data-id=\"6b6a373\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f23e2d7 elementor-widget elementor-widget-heading\" data-id=\"f23e2d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mit kell v\u00e1llalni a CSOK Plusz\u00e9rt?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd6aae elementor-widget elementor-widget-text-editor\" data-id=\"ebd6aae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sz\u00e1mtalan kisebb-nagyobb v\u00e1llal\u00e1si felt\u00e9telt szab a rendelet a CSOK Pluszhoz. Ezek k\u00f6z\u00fcl kett\u0151t mindenk\u00e9ppen ki kell emelni, az egyik a gyermekv\u00e1llal\u00e1s, a m\u00e1sik a 10 \u00e9vre sz\u00f3l\u00f3 bentlak\u00e1si k\u00f6telezetts\u00e9g.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-caf73ba e-flex e-con-boxed e-con e-parent\" data-id=\"caf73ba\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4fd6e85 e-con-full e-flex e-con e-child\" data-id=\"4fd6e85\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb55f0d elementor-widget elementor-widget-n-accordion\" data-id=\"eb55f0d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2460\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2460\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Ki sz\u00e1m\u00edt gyermeknek a CSOK Plusz ig\u00e9nyl\u00e9sekor? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2460\" class=\"elementor-element elementor-element-6252063 e-con-full e-flex e-con e-child\" data-id=\"6252063\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2460\" class=\"elementor-element elementor-element-8764961 e-flex e-con-boxed e-con e-child\" data-id=\"8764961\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71de292 elementor-widget elementor-widget-text-editor\" data-id=\"71de292\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tB\u00e1r l\u00e1tsz\u00f3lag mag\u00e1t\u00f3l \u00e9rtet\u0151d\u0151 a v\u00e1lasz, a jogszab\u00e1ly m\u00e9gis h\u00e1rom meghat\u00e1roz\u00e1st is ad erre:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>magzat, amint a v\u00e1rand\u00f3ss\u00e1g 12. het\u00e9t bet\u00f6lt\u00f6tte<\/li>\n \t<li>az ig\u00e9nyl\u0151 25. \u00e9let\u00e9v\u00e9t m\u00e9g be nem t\u00f6lt\u00f6tt v\u00e9rszerinti vagy \u00f6r\u00f6kbefogadott eltartott gyermeke<\/li>\n \t<li>kiv\u00e9telesen a 25. \u00e9let\u00e9v\u00e9t m\u00e1r bet\u00f6lt\u00f6tt, de \u00fan. megv\u00e1ltozott munkak\u00e9pess\u00e9g\u0171 gyermeke<\/li>\n<\/ol>\nA magzat ilyet\u00e9n t\u00f6rt\u00e9n\u0151 besorol\u00e1s\u00e1nak sz\u00e1mos k\u00f6vetkezm\u00e9nye van a CSOK Plusz szempontj\u00e1b\u00f3l is (mint a babav\u00e1r\u00f3n\u00e1l \u00e9s a CSOK-n\u00e1l kor\u00e1bban). F\u00fcggetlen\u00fcl att\u00f3l, mi t\u00f6rt\u00e9nik vele a 12. h\u00e9t ut\u00e1n, megsz\u00fcletik-e eg\u00e9szs\u00e9gesen vagy sem, \u0151 m\u00e1r megsz\u00fcletettnek sz\u00e1m\u00edt, teh\u00e1t besz\u00e1m\u00edt minden tekintetben (kamatt\u00e1mogat\u00e1s, t\u00f6rleszt\u00e9s-sz\u00fcneteltet\u00e9s, gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s).\n\nA 25. \u00e9let\u00e9v alattiak meghat\u00e1roz\u00e1s\u00e1n\u00e1l pedig kit\u00fcntetett jelent\u0151s\u00e9g\u0171 az eltartotti min\u0151s\u00e9g. Err\u0151l kor\u00e1bban \u00edgy rendelkezett jogszab\u00e1ly (12\/2001(I.31.) Korm\u00e1nyrendelet): eltartottnak min\u0151s\u00fcl a gyermek, ha\n\n&#8211; a 16. \u00e9let\u00e9v\u00e9t m\u00e9g nem t\u00f6lt\u00f6tte be,\n\n&#8211; a 16. \u00e9let\u00e9v\u00e9t m\u00e1r bet\u00f6lt\u00f6tte, de oktat\u00e1si int\u00e9zm\u00e9ny nappali tagozat\u00e1n tanul \u00e9s a 25. \u00e9let\u00e9v\u00e9t m\u00e9g nem \u00e9rte el,\n\n&#8211; a 16. \u00e9let\u00e9v\u00e9t m\u00e1r bet\u00f6lt\u00f6tte, de megv\u00e1ltozott munkak\u00e9pess\u00e9g\u0171 szem\u00e9ly \u00e9s ez az \u00e1llapota legal\u00e1bb egy \u00e9ve tart, vagy egy \u00e9v alatt el\u0151rel\u00e1that\u00f3an nem sz\u0171nik meg;\n\nMivel ez a meghat\u00e1roz\u00e1s sem el\u00e9g prec\u00edz, ez\u00e9rt v\u00e9gs\u0151 soron a bankokra van b\u00edzva, hogy ezen kereteken bel\u00fcl maradva kit tekintenek eltartottnak, de az \u00e1ltal\u00e1nos szab\u00e1ly, hogy az a gyerek nem tekinthet\u0151 m\u00e1r annak, akinek \u00f6n\u00e1ll\u00f3 h\u00e1ztart\u00e1s vezet\u00e9s\u00e9re elegend\u0151 j\u00f6vedelme van, egyes bankokn\u00e1l meg az is kell m\u00e9g ehhez, hogy a t\u00e1mogatott szem\u00e9llyel azonos lakc\u00edmre sz\u00f3ljon a lakc\u00edmk\u00e1rty\u00e1ja.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-346df38 elementor-widget elementor-widget-n-accordion\" data-id=\"346df38\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5490\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5490\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> H\u00e1ny gyermeket KELL v\u00e1llalni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5490\" class=\"elementor-element elementor-element-72d1a46 e-con-full e-flex e-con e-child\" data-id=\"72d1a46\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5490\" class=\"elementor-element elementor-element-9bc701b e-flex e-con-boxed e-con e-child\" data-id=\"9bc701b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9aec62 elementor-widget elementor-widget-text-editor\" data-id=\"f9aec62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A CSOK Plusz annyiban hozott \u00fajat a lak\u00e1sc\u00e9l\u00fa t\u00e1mogat\u00e1sok vil\u00e1g\u00e1ba, hogy csak fiatal h\u00e1zasok \u00e9s kiz\u00e1r\u00f3lag \u00faj gyerek v\u00e1llal\u00e1sa eset\u00e9n vehetik ig\u00e9nybe, mik\u00f6zben emellett megmaradt az ig\u00e9nyl\u00e9s pillanat\u00e1ban m\u00e1r megl\u00e9v\u0151 gyermekek figyelembev\u00e9tel\u00e9nek lehet\u0151s\u00e9ge is. De imm\u00e1ron csak r\u00e1juk nem lehet ig\u00e9nyelni, minimum egy \u00faj gyermeket v\u00e1llalni kell hozz\u00e1, a megl\u00e9v\u0151k pedig az el\u00e9rhet\u0151 hitel \u00f6sszeg\u00e9t befoly\u00e1solj\u00e1k.<\/p><p>B\u00e1r fels\u0151 hat\u00e1rt nem szab a CSOK Plusz rendelet, de legfeljebb h\u00e1rom gyermek v\u00e1llal\u00e1s\u00e1val lehet maximaliz\u00e1lni a kaphat\u00f3 hitel\u00f6sszeget 50 milli\u00f3ban, s ha esetleg enn\u00e9l is t\u00f6bb gyermek sz\u00fcletne, akkor az \u00f6t\u00f6dik ut\u00e1n garant\u00e1ltan le lehetne null\u00e1zni a teljes hitelt, de ehhez negyediket \u00e9s \u00f6t\u00f6diket nem kellene v\u00e1llalni el\u0151re, el\u00e9g lenne h\u00e1rmat is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69826ab elementor-widget elementor-widget-n-accordion\" data-id=\"69826ab\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1100\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> H\u00e1ny gyermeket lehet v\u00e1llalni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1100\" class=\"elementor-element elementor-element-9af9d6e e-con-full e-flex e-con e-child\" data-id=\"9af9d6e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1100\" class=\"elementor-element elementor-element-3eb7b5a e-flex e-con-boxed e-con e-child\" data-id=\"3eb7b5a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3e1be0 elementor-widget elementor-widget-text-editor\" data-id=\"e3e1be0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>B\u00e1r fels\u0151 hat\u00e1rt nem szab a CSOK Plusz rendelet, de legfeljebb h\u00e1rom gyermek v\u00e1llal\u00e1s\u00e1val lehet maximaliz\u00e1lni a kaphat\u00f3 hitel\u00f6sszeget 50 milli\u00f3ban, s ha esetleg enn\u00e9l is t\u00f6bb gyermek sz\u00fcletne, akkor az \u00f6t\u00f6dik ut\u00e1n garant\u00e1ltan le lehetne null\u00e1zni a teljes hitelt, de ehhez negyediket \u00e9s \u00f6t\u00f6diket nem kellene v\u00e1llalni el\u0151re, el\u00e9g lenne h\u00e1rmat is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4127ea0 elementor-widget elementor-widget-n-accordion\" data-id=\"4127ea0\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6830\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6830\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mik a gyermekv\u00e1llal\u00e1sra vonatkoz\u00f3 hat\u00e1rid\u0151k? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6830\" class=\"elementor-element elementor-element-3bda02f e-con-full e-flex e-con e-child\" data-id=\"3bda02f\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6830\" class=\"elementor-element elementor-element-132480d e-flex e-con-boxed e-con e-child\" data-id=\"132480d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-966dd37 elementor-widget elementor-widget-text-editor\" data-id=\"966dd37\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Egy gyermekre 4, kett\u0151re 8, h\u00e1romra 10 \u00e9ves hat\u00e1rid\u0151t enged a jogszab\u00e1ly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd6b8e8 elementor-widget elementor-widget-n-accordion\" data-id=\"fd6b8e8\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2650\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2650\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Besz\u00e1m\u00edtanak-e a m\u00e1r megl\u00e9v\u0151 gyermekek a CSOK Pluszn\u00e1l? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2650\" class=\"elementor-element elementor-element-a90b100 e-con-full e-flex e-con e-child\" data-id=\"a90b100\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2650\" class=\"elementor-element elementor-element-0d7e1eb e-flex e-con-boxed e-con e-child\" data-id=\"0d7e1eb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89b9945 elementor-widget elementor-widget-text-editor\" data-id=\"89b9945\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Igen, ennyiben hasonl\u00edt a kor\u00e1bbi lak\u00e1st\u00e1mogat\u00e1si konstrukci\u00f3kra, de csak akkor van jelent\u0151s\u00e9g\u00fck, ha legal\u00e1bb egy \u00faj gyermeket is v\u00e1llalnak a t\u00e1mogatott szem\u00e9lyek.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8a472d elementor-widget elementor-widget-n-accordion\" data-id=\"e8a472d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2430\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2430\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kik lehetnek tulajdonosai a CSOK Plusszal szerzett ingatlannak? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2430\" class=\"elementor-element elementor-element-f1eba72 e-con-full e-flex e-con e-child\" data-id=\"f1eba72\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2430\" class=\"elementor-element elementor-element-3efafe4 e-flex e-con-boxed e-con e-child\" data-id=\"3efafe4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-760b0d7 elementor-widget elementor-widget-text-editor\" data-id=\"760b0d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Erre vonatkoz\u00f3an el\u00e9g egy\u00e9rtelm\u0171 a rendelet, csak a t\u00e1mogatott szem\u00e9lyek lehetnek tulajdonosok, m\u00e1s nem, s haszon\u00e9lvez\u0151 sem ker\u00fclhet be, mint ahogy az eltartottaknak sem kell tulajdont szerezni\u00fck. Ehhez kapcsol\u00f3dik az az el\u0151\u00edr\u00e1sa is a CSOK Plusz rendeletnek, hogy enn\u00e9l a t\u00e1mogatott konstrukci\u00f3n\u00e1l nincs m\u00f3d bevonni harmadik szem\u00e9lyeket j\u00f6vedelemmel az \u00fcgyletbe, teh\u00e1t, ha a k\u00e9t t\u00e1mogatott szem\u00e9ly j\u00f6vedelme nem elegend\u0151 az ig\u00e9nyelt \u00f6sszeghez, akkor m\u00e1s, tipikusan a sz\u00fcl\u0151, nem seg\u00edthet nekik.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1160847 elementor-widget elementor-widget-n-accordion\" data-id=\"1160847\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1820\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1820\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Meddig kell a CSOK Pluszos lak\u00e1sban maradni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1820\" class=\"elementor-element elementor-element-d1f3684 e-con-full e-flex e-con e-child\" data-id=\"d1f3684\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1820\" class=\"elementor-element elementor-element-6ab142b e-flex e-con-boxed e-con e-child\" data-id=\"6ab142b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a0d532 elementor-widget elementor-widget-text-editor\" data-id=\"4a0d532\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Egy \u00f6sszeg\u0171 foly\u00f3s\u00edt\u00e1s eset\u00e9n annak foly\u00f3s\u00edt\u00e1s\u00e1t\u00f3l, szakaszos foly\u00f3s\u00edt\u00e1s eset\u00e9n pedig az utols\u00f3 r\u00e9szlet foly\u00f3s\u00edt\u00e1s\u00e1t\u00f3l sz\u00e1m\u00edtott 10 \u00e9vig terheli az \u00e9letvitelszer\u0171 bentlak\u00e1si k\u00f6telezetts\u00e9g a t\u00e1mogatott szem\u00e9lyt ill. azon gyermek\u00e9t, akire tekintettel a k\u00f6lcs\u00f6nt ig\u00e9nyelte, am\u00edg az nagykor\u00fav\u00e1 nem v\u00e1lik. Ez az \u00e1ltal\u00e1nos szab\u00e1ly \u00e9s akkor j\u00f6jjenek a kiv\u00e9telek:<\/p><ol style=\"list-style-type: lower-alpha;\"><li><em>a <u>gyermek<\/u> \u2013 a gyermekv<\/em><em>\u00e9delmi szakell\u00e1t\u00e1sok k<\/em><em>\u00f6r<\/em><em>\u00e9be tartoz\u00f3 otthont ny\u00fajt\u00f3 <\/em><em>ell\u00e1t\u00e1s keret<\/em><em>\u00e9ben elhelyezett gyermek kiv<\/em><em>\u00e9tel<\/em><em>\u00e9<\/em><em>vel \u2013 <u>tanulm\u00e1nyai folytat\u00e1sa miatt<\/u> \u00e1tmenetileg nem a t\u00e1mogatott szem<\/em><em>\u00e9lyek lak\u00e1s\u00e1ban lakik, <\/em><\/li><li><em>a t\u00e1mogatott szem<\/em><em>\u00e9lyt vagy a gyermeket, akire tekintettel a k<\/em><em>\u00f6lcs<\/em><em>\u00f6nt ig<\/em><em>\u00e9nyelte, eg<\/em><em>\u00e9szs<\/em><em>\u00e9gi \u00e1llapota miatt <\/em><em><u>tart<\/u><\/em><em><u>\u00f3san eg<\/u><\/em><em><u>\u00e9szs<\/u><\/em><em><u>\u00e9g\u00fcgyi int<\/u><\/em><em><u>\u00e9zm<\/u><\/em><em><u>\u00e9nyben kezelik<\/u>,<\/em><\/li><li><em>ha a t\u00e1mogatott szem<\/em><em>\u00e9<\/em><em>ly <\/em><em>\u00e9s a gyermek, akire tekintettel a k<\/em><em>\u00f6lcs<\/em><em>\u00f6nt ig<\/em><em>\u00e9nyelt<\/em><em>\u00e9k, a <u>t\u00e1mogatott szem<\/u><\/em><em><u>\u00e9ly munkav\u00e1llal\u00e1s\u00e1ra tekintettel<\/u> \u2013 indokoltan \u2013 legfeljebb <\/em><em>\u00f6t <\/em><em>\u00e9vig a lak\u00e1s elhelyezked<\/em><em>\u00e9se szerinti telep\u00fcl<\/em><em>\u00e9st\u0151l elt<\/em><em>\u00e9r\u0151 telep\u00fcl<\/em><em>\u00e9sen tart<\/em><em>\u00f3zkodik,<\/em><\/li><li><em>a t\u00e1mogatott szem<\/em><em>\u00e9ly vagy a gyermek, akire tekintettel a k<\/em><em>\u00f6lcs<\/em><em>\u00f6nt ig<\/em><em>\u00e9nyelte, <u>k<\/u><\/em><em><u>\u00f6zeli hozz\u00e1tartoz\u00f3 \u00e1pol\u00e1sa miatt<\/u> ideiglenesen nem a t\u00e1mogatott szem<\/em><em>\u00e9<\/em><em>ly lak\u00e1s\u00e1ban lakik, <\/em><\/li><li><em>a t\u00e1mogatott szem<\/em><em>\u00e9ly az 1. mell<\/em><em>\u00e9kletben nem szerepl\u0151 v<\/em><em>\u00e9ts<\/em><em>\u00e9g miatt <\/em>let\u00f6ltend\u0151 szabads\u00e1gveszt\u00e9s b\u00fcntet\u00e9s\u00e9t t\u00f6lti<em>, <\/em><\/li><li><em>a <u>nagykor\u00fa gyermek<\/u>, akire tekintettel a k<\/em><em>\u00f6lcs<\/em><em>\u00f6nt ig<\/em><em>\u00e9nyelt<\/em><em>\u00e9k, <u>elk<\/u><\/em><em><u>\u00f6lt<\/u><\/em><em><u>\u00f6zik<\/u>, <\/em><\/li><li><em>g) a kiskor\u00fa gyermek, akire tekintettel a k<\/em><em>\u00f6lcs<\/em><em>\u00f6nt ig<\/em><em>\u00e9nyelt<\/em><em>\u00e9k, a nagykor\u00fav\u00e1 v\u00e1l\u00e1s\u00e1t k<\/em><em>\u00f6vet\u0151en elk<\/em><em>\u00f6lt<\/em><em>\u00f6zik, vagy<\/em><\/li><li><em><u>a t\u00e1mogatott szem<\/u><u>\u00e9ly \u00e9s a gyermek<\/u> a t\u00e1mogatott szem\u00e9ly foglalkoztat\u00e1sra ir\u00e1nyul\u00f3 jogviszonya k\u00f6vetkezt\u00e9ben \u2013 ide\u00e9rtve a saj\u00e1tos egyh\u00e1zi jogviszonyt is \u2013 a foglalkoztat\u00e1sra ir\u00e1nyul\u00f3 jogviszony jelleg\u00e9b\u0151l k\u00f6vetkez\u0151en <u>k<\/u><u>\u00f6teles a szolg\u00e1lati hely\u00e9n<\/u> a foglalkoztat\u00f3 \u00e1ltal t\u00e9r\u00edt\u00e9smentesen biztos\u00edtott szolg\u00e1lati lak\u00e1sban <u>lakni<\/u> a foglalkoztat\u00e1sra ir\u00e1nyul\u00f3 jogviszony fenn\u00e1ll\u00e1sa alatt.<\/em><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f0cf5 elementor-widget elementor-widget-n-accordion\" data-id=\"35f0cf5\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5650\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5650\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> El lehet-e adni a CSOK Pluszos lak\u00e1st 10 \u00e9ven bel\u00fcl? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5650\" class=\"elementor-element elementor-element-4335708 e-con-full e-flex e-con e-child\" data-id=\"4335708\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5650\" class=\"elementor-element elementor-element-d479e14 e-flex e-con-boxed e-con e-child\" data-id=\"d479e14\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3a667 elementor-widget elementor-widget-text-editor\" data-id=\"ac3a667\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNyilv\u00e1n \u00e9letszer\u0171tlen lenne az \u00e1llam r\u00e9sz\u00e9r\u0151l megtiltani a CSOK Plusszal vett vagy \u00e9p\u00edtett ingatlan tulajdonosainak az ingatlan elad\u00e1s\u00e1t, amire ez esetben is van lehet\u0151s\u00e9g, de ennek k\u00f6vetkezm\u00e9nyei vannak. Ezek k\u00f6r\u00e9ben alapvet\u0151en k\u00e9tf\u00e9le eset lehets\u00e9ges:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>elidegen\u00edt\u00e9s m\u00e1sik megfelel\u0151 ingatlan v\u00e1s\u00e1rl\u00e1sa vagy \u00e9p\u00edt\u00e9se n\u00e9lk\u00fcl: ez az addig kapott kamatt\u00e1mogat\u00e1s visszafizet\u00e9si k\u00f6telezetts\u00e9g\u00e9t vonja maga ut\u00e1n. Tipikusan ilyen, aki k\u00fclf\u00f6ldre k\u00edv\u00e1n v\u00e1ndorolni ezen 10 \u00e9ven bel\u00fcl vagy v\u00e1l\u00e1s eset\u00e9n a k\u00f6z\u00f6s \u00e9rt\u00e9kes\u00edt\u00e9st k\u00f6vet\u0151en nem tud, vagy nem akar a CSOK Plusznak megfelel\u0151 m\u00e1sik lak\u00e1st venni vagy \u00e9p\u00ed<\/li>\n \t<li>k\u00f6lt\u00f6z\u00e9s c\u00e9lj\u00e1b\u00f3l t\u00f6rt\u00e9n\u0151 elidegen\u00edt\u00e9s: sokszor el\u0151fordul, hogy el kell k\u00f6lt\u00f6zni munkahely v\u00e1lt\u00e1s vagy nagyobb lak\u00e1sba k\u00f6lt\u00f6z\u00e9s miatt. Ez esetben az addig kapott kamatt\u00e1mogat\u00e1st a Magyar \u00c1llamkincst\u00e1rn\u00e1l let\u00e9tbe kell helyezni \u00e9s v\u00e1s\u00e1rl\u00e1s eset\u00e9n egy, \u00e9p\u00edtkez\u00e9s eset\u00e9n h\u00e1rom \u00e9ven bel\u00fcl egy m\u00e1sik, legal\u00e1bb akkora \u00e9rt\u00e9k\u0171 \u00e9s a CSOK Plusz \u00e1ltal elv\u00e1rt m\u00e9ret\u0171 m\u00e1sik lak\u00e1st kell tudni felaj\u00e1nlani fedezetnek a kincst\u00e1rnak, amit \u0151k a gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s ill. a kapott kamatt\u00e1mogat\u00e1s visszafizet\u00e9si k\u00f6telezetts\u00e9g felf\u00fcggeszt\u00e9s\u00e9nek neveznek hivatalosan.<\/li>\n<\/ol>\nEz ut\u00f3bbi esetben bizonytalan a bankok gyakorlata abban, hogy mag\u00e1t a k\u00f6lcs\u00f6nt is \u00e1t lehet-e vinni az \u00fajabb ingatlanra, m\u00e9g akkor is, ha az egy\u00e9bk\u00e9nt mindent tekintetben megfelelne, teh\u00e1t itt csak a kapott gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s ill. kamatt\u00e1mogat\u00e1s visszafizet\u00e9s\u00e9nek felf\u00fcggeszt\u00e9s\u00e9r\u0151l van sz\u00f3! A CSOK Plusz hitel teh\u00e1t megsz\u0171nik az elad\u00e1ssal, v\u00e9gt\u00f6rleszt\u00e9ssel \u00e9s mivel csak egyszer lehet ig\u00e9nyelni, ez\u00e9rt, amennyiben sz\u00fcks\u00e9ges, piaci hitellel lehet csak a v\u00e1s\u00e1rl\u00e1st ill. az \u00e9p\u00edtkez\u00e9st megfinansz\u00edroztatni.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44fa769 elementor-widget elementor-widget-n-accordion\" data-id=\"44fa769\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7230\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lehet-e k\u00e9szp\u00e9nzben fizetni a CSOK Pluszos lak\u00e1s\u00e9rt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7230\" class=\"elementor-element elementor-element-0074df6 e-con-full e-flex e-con e-child\" data-id=\"0074df6\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7230\" class=\"elementor-element elementor-element-826152e e-flex e-con-boxed e-con e-child\" data-id=\"826152e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-752248b elementor-widget elementor-widget-text-editor\" data-id=\"752248b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Igen, megsz\u0171nt az a kor\u00e1bbi szab\u00e1ly, miszerint legfeljebb a v\u00e9tel\u00e1r 10%-a mozoghat k\u00e9szp\u00e9nzben, minden m\u00e1snak \u00e1tutal\u00e1ssal kell.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fdffcc elementor-widget elementor-widget-n-accordion\" data-id=\"3fdffcc\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6690\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6690\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lehet-e k\u00f6zeli hozz\u00e1tartoz\u00f3t\u00f3l CSOK Plusszal lak\u00e1st venni? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6690\" class=\"elementor-element elementor-element-728ee3d e-con-full e-flex e-con e-child\" data-id=\"728ee3d\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6690\" class=\"elementor-element elementor-element-fd29c36 e-flex e-con-boxed e-con e-child\" data-id=\"fd29c36\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c477f6 elementor-widget elementor-widget-text-editor\" data-id=\"3c477f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nem, ez a kor\u00e1bbi t\u00e1mogatott konstrukci\u00f3khoz hasonl\u00f3an a CSOK Pluszn\u00e1l is kiz\u00e1rt. El\u0151zm\u00e9nye ennek m\u00e9g a legels\u0151 t\u00e1mogatott hitelek idej\u00e9re val\u00f3, amikor ak\u00e1r h\u00e1zast\u00e1rsak is \u00edrtak gyorsan egy ad\u00e1sv\u00e9teli szerz\u0151d\u00e9st egym\u00e1s k\u00f6z\u00f6tt a k\u00f6z\u00f6sen lakott ingatlan bizonyos tulajdoni h\u00e1nyad\u00e1nak elad\u00e1s\u00e1r\u00f3l, amihez felvett\u00e9k sz\u00e9pen az akkor rendk\u00edv\u00fcl kedvez\u0151nek sz\u00e1m\u00edt\u00f3 kamatt\u00e1mogatott hitelt, az ad\u00f3fizet\u0151k k\u00e1r\u00e1ra.<\/p><p>Ez persze azzal j\u00e1r, hogy v\u00e1l\u00f3f\u00e9lben l\u00e9v\u0151k vagy meg\u00f6r\u00f6k\u00f6lt ingatlan eset\u00e9n az \u00f6r\u00f6k\u00f6s\u00f6k, de a gyerek vagy unoka a sz\u00fcl\u0151t\u0151l vagy nagysz\u00fcl\u0151t\u0151l sem vehet ingatlant CSOK Plusszal, kiz\u00e1r\u00f3lag piaci kamatoz\u00e1s\u00fa hitellel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f96e94 e-flex e-con-boxed e-con e-parent\" data-id=\"2f96e94\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-185f597 elementor-widget elementor-widget-heading\" data-id=\"185f597\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Mikor kell visszafizetni a CSOK Pluszt?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea270f elementor-widget elementor-widget-text-editor\" data-id=\"4ea270f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sz\u00e1mtalan olyan esetet sorol fel a CSOK Plusz rendelet, amikor k\u00f6telez\u0151 visszafizetni a kapott t\u00e1mogat\u00e1sokat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa59e81 e-flex e-con-boxed e-con e-parent\" data-id=\"fa59e81\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-702787a e-con-full e-flex e-con e-child\" data-id=\"702787a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f8351b elementor-widget elementor-widget-n-accordion\" data-id=\"5f8351b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1000\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1000\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jogosulatlan ig\u00e9nyl\u00e9s eset\u00e9n <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1000\" class=\"elementor-element elementor-element-7c64cf6 e-con-full e-flex e-con e-child\" data-id=\"7c64cf6\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1000\" class=\"elementor-element elementor-element-30bfd38 e-flex e-con-boxed e-con e-child\" data-id=\"30bfd38\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5f6e51 elementor-widget elementor-widget-text-editor\" data-id=\"c5f6e51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ez l\u00e1tsz\u00f3lag nyilv\u00e1nval\u00f3nak t\u0171nhet, de sok esetben m\u00e9gsem annyira egy\u00e9rtelm\u0171. Mik\u00f6zben vannak olyan nyilatkozatok (pl. h\u00e1zas-e vagy sem) vagy igazol\u00e1sok (pl. megfelel\u0151 TB igazol\u00e1s), amelyek k\u00f6nnyen \u00e9s biztosan ellen\u0151rizhet\u0151ek, de van sz\u00e1mtalan olyan is, amelyek kev\u00e9sb\u00e9 \u00e9s a nyilatkoz\u00f3 f\u00e9len m\u00falnak, mint pl., hogy nem k\u00f6zeli hozz\u00e1tartoz\u00f3j\u00e1t\u00f3l veszi-e CSOK Plusszal az ingatlant vagy hogy nem k\u00f6zeli hozz\u00e1tartoz\u00f3ja t\u00f6bbs\u00e9gi tulajdon\u00e1ban \u00e1ll\u00f3 gazdas\u00e1gi v\u00e1llalkoz\u00e1s \u00e9p\u00edti az ingatlan\u00e1t.<\/p><p>Ezeket nem, vagy csak nehezen tudja a p\u00e9nzint\u00e9zet ellen\u0151rizni, amib\u0151l m\u00e9g v\u00e9letlen\u00fcl se azt a k\u00f6vetkeztet\u00e9st vonja most le, hogy ezek szerint akkor b\u00e1tran nyilatkozhat b\u00e1rmit ezekr\u0151l, mert \u00fagysem der\u00fcl az ki, az\u00e9rt az ebben a form\u00e1ban nem igaz, mert az meg a hitelt elb\u00edr\u00e1l\u00f3 bankok felel\u0151ss\u00e9ge, hogy amennyire lehet, a rendelet \u00e1ltal el\u0151\u00edrt felt\u00e9telek teljes\u00fcl\u00e9s\u00e9t vizsg\u00e1lj\u00e1k meg alaposan.<\/p><p>Arr\u00f3l nem is besz\u00e9lve, hogy egy elhallgatott vagy val\u00f3tlan tartalm\u00fa nyilatkozat k\u00e9s\u0151bb is gondot okozhat, ha ut\u00f3lag der\u00fcl ki \u00e9s akkor vezet az addig kapott t\u00e1mogat\u00e1s visszafizet\u00e9si k\u00f6telezetts\u00e9g\u00e9hez. Hogy fordulhat ez el\u0151? A kincst\u00e1r is v\u00e9gezhet ut\u00f3ellen\u0151rz\u00e9st, aminek keret\u00e9ben bek\u00e9ri a dokumentumokat, esetleg \u00f6sszeveti az \u00e1ltala el\u00e9rhet\u0151 \u00e1llami adatb\u00e1zisokat a nyilatkozatokkal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32afcf8 elementor-widget elementor-widget-n-accordion\" data-id=\"32afcf8\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5310\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Nem teljes\u00fclt gyermekv\u00e1llal\u00e1s <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5310\" class=\"elementor-element elementor-element-2f6bbbb e-con-full e-flex e-con e-child\" data-id=\"2f6bbbb\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5310\" class=\"elementor-element elementor-element-869d913 e-flex e-con-boxed e-con e-child\" data-id=\"869d913\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abf51a0 elementor-widget elementor-widget-text-editor\" data-id=\"abf51a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Ez tal\u00e1n a legegy\u00e9rtelm\u0171bb eset, mert a v\u00e1llal\u00e1sr\u00f3l egy\u00e9rtelm\u0171en nyilatkozni kell az ig\u00e9nyl\u00e9skor, hiszen legal\u00e1bb egy gyerek bev\u00e1llal\u00e1sa n\u00e9lk\u00fcl eleve nem lehet CSOK Pluszt ig\u00e9nybe venni. Az is egy\u00e9rtelm\u0171, hogy erre mennyi id\u0151 \u00e1ll rendelkez\u00e9sre egy, kett\u0151 vagy h\u00e1rom gyerekn\u00e9l. Egyed\u00fcl abban lehet n\u00e9mi bizonytalans\u00e1g, hogy ha a gyermekv\u00e1llal\u00e1s elmarad\u00e1s\u00e1nak orvosilag igazolhat\u00f3 oka van, akkor az olyan jelleg\u0171-e, amit a rendelet is felsorol. Ha igen, akkor mentes\u00fclni lehet a k\u00f6vetkezm\u00e9nyek al\u00f3l, hiszen a sz\u00e1nd\u00e9k megvolt, csak objekt\u00edv akad\u00e1lya volt a teljes\u00edt\u00e9s\u00e9nek.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a05a5 elementor-widget elementor-widget-n-accordion\" data-id=\"07a05a5\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7990\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7990\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Bentlak\u00e1si k\u00f6telezetts\u00e9g megszeg\u00e9se <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7990\" class=\"elementor-element elementor-element-ba14602 e-con-full e-flex e-con e-child\" data-id=\"ba14602\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7990\" class=\"elementor-element elementor-element-9ad93a4 e-flex e-con-boxed e-con e-child\" data-id=\"9ad93a4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96e08d6 elementor-widget elementor-widget-text-editor\" data-id=\"96e08d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Ha CSOK Pluszt ig\u00e9nyel, akkor mindenk\u00e9ppen \u00fagy tervezzen, hogy 10 \u00e9vig abban az ingatlanban kell laknia. Vannak persze kiv\u00e9telek, amiket a jogszab\u00e1ly is felsorol, el is lehet adni \u00e9s m\u00e1sikba k\u00f6lt\u00f6zni, de \u00e9rdemes csak akkor ig\u00e9nybe vennie a CSOK Pluszt, ha nem sz\u00e1m\u00edt arra, hogy majd csak valamelyik kiv\u00e9telbe kapaszkodva mentes\u00fclhet a b\u00fcntet\u00e9sek megfizet\u00e9se al\u00f3l. Az meg am\u00fagy is alapszab\u00e1ly, hogy nem v\u00e1ltogatunk ingatlant 1-2 \u00e9vente, s nem csak az ezzel j\u00e1r\u00f3 k\u00e9nyelmetlens\u00e9gek, hanem a k\u00f6lts\u00e9gek miatt sem.<\/p><p>Nagyon sokan ezen a ponton bizonytalanodnak el fiatal h\u00e1zasp\u00e1rk\u00e9nt, mert terveik k\u00f6z\u00f6tt szerepel esetlegesen k\u00fclf\u00f6ldre k\u00f6lt\u00f6z\u00e9s is csal\u00e1dalap\u00edt\u00e1s el\u0151tt vagy \u00e9pp a gyerek(ek) miatt. Ez esetben nagyon \u00e1t kell gondolni, \u00e9rdemes-e arra az id\u0151re mindazokat a plusz k\u00f6telezetts\u00e9geket bev\u00e1llalni, amik egy t\u00e1mogatott konstrukci\u00f3val sz\u00fcks\u00e9gszer\u0171en egy\u00fctt j\u00e1rnak. Mert hi\u00e1ba a kamatt\u00e1mogat\u00e1s, ha azt csak 3 \u00e9vig \u00e9lvezi \u00e9s ut\u00e1na t\u00e1vozik, akkor az alatt a 3 \u00e9v alatt nem fog olyan kamatt\u00f6bbletet kifizetni a piaci hitel r\u00e9v\u00e9n, ami\u00e9rt \u00e9rdemes lenne v\u00e1llalni minden egy\u00e9b k\u00f6telezetts\u00e9get is, ami a CSOK Pluszhoz tartozik.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed887fc elementor-widget elementor-widget-n-accordion\" data-id=\"ed887fc\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2490\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2490\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lak\u00e1s haszn\u00e1lat\u00e1nak \u00e1tenged\u00e9se <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2490\" class=\"elementor-element elementor-element-dbbac14 e-con-full e-flex e-con e-child\" data-id=\"dbbac14\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2490\" class=\"elementor-element elementor-element-0764166 e-flex e-con-boxed e-con e-child\" data-id=\"0764166\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a8e954 elementor-widget elementor-widget-text-editor\" data-id=\"7a8e954\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Mivel a t\u00e1mogatott konstrukci\u00f3kra sz\u00e1nt forr\u00e1sok v\u00e9gesek, ez\u00e9rt az \u00e1llam is csak arra ad t\u00e1mogat\u00e1st, ha valaki a saj\u00e1t lakhat\u00e1s\u00e1t szeretn\u00e9 ezzel megoldani, arra nem, hogy m\u00e1snak is biztos\u00edtsa azt. Ez\u00e9rt b\u00e9rl\u0151nek vagy ahogy a jogszab\u00e1ly fogalmaz, harmadik szem\u00e9lynek, a lak\u00e1s haszn\u00e1lat\u00e1t \u00e1tengedni nem megengedett, ak\u00e1rmilyen megfontol\u00e1s (haszonszerz\u00e9s, j\u00f3sz\u00e1nd\u00e9k stb.) \u00e1ll is m\u00f6g\u00f6tte. Ha ez kider\u00fcl, akkor szint\u00e9n vissza kell fizetni a kapott t\u00e1mogat\u00e1sokat \u00e9s azok ut\u00e1n b\u00fcntet\u00e9st is kell m\u00e9g fizetni, onnant\u00f3l pedig \u00e1tmegy piaci konstrukci\u00f3ba a CSOK Plusz.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92aa81d elementor-widget elementor-widget-n-accordion\" data-id=\"92aa81d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1530\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1530\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lak\u00e1s lebont\u00e1sa <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1530\" class=\"elementor-element elementor-element-3de509a e-con-full e-flex e-con e-child\" data-id=\"3de509a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1530\" class=\"elementor-element elementor-element-e3991c9 e-flex e-con-boxed e-con e-child\" data-id=\"e3991c9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b69d7ed elementor-widget elementor-widget-text-editor\" data-id=\"b69d7ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Kiv\u00e9telesen el\u0151fordulhat az is, hogy valaki a CSOK Plusszal vett h\u00e1zat elbontja a hitel felv\u00e9tel ut\u00e1n, pedig az a hitelig\u00e9nyl\u00e9skor megfelelt a CSOK Plusz felt\u00e9teleknek.<\/p><p>Ha teh\u00e1t tudja el\u0151re, hogy amit vesz, annak hely\u00e9re egy jobbat szeretne majd \u00e9p\u00edteni, akkor azt tipikusan piaci konstrukci\u00f3val \u00e9rdemes megvennie, m\u00e1r amennyiben banki finansz\u00edroz\u00e1sra is sz\u00fcks\u00e9ge van hozz\u00e1, de arr\u00f3l \u00e9rdemes tudnia, hogy ez esetben pedig a bankot fogja nagyon is \u00e9rdekelni, mit is kezd a fedezettel! Ha lebontja, akkor azt mindenk\u00e9ppen \u00e9rdemes el\u0151tte a banknak is bejelentenie, s a hozz\u00e1j\u00e1rul\u00e1s\u00e1t k\u00e9rnie, mert el\u0151fordulhat olyan eset, amikor a kapott hitel \u00e9s a bont\u00e1s ut\u00e1n \u00fcresen marad\u00f3 \u00e9p\u00edt\u00e9si telek \u00e9rt\u00e9ke m\u00e1r el\u0151t\u00f6rleszt\u00e9st vagy m\u00e1sik ingatlan fedezet bevon\u00e1s\u00e1t ig\u00e9nyli, mert nem b\u00edrja el a rajta l\u00e9v\u0151 hitel \u00f6sszeg\u00e9t.<\/p><p>Amiatt sem \u00e9rdemes \u201eelhaszn\u00e1lnia\u201d a bontand\u00f3nak tartott h\u00e1z v\u00e1s\u00e1rl\u00e1s\u00e1ra a CSOK Pluszt, mert azt t\u00f6bbsz\u00f6r nem lehet felvenni, s ink\u00e1bb lenne \u00e9rdemes annak lehet\u0151s\u00e9g\u00e9t az \u00e9p\u00edtkez\u00e9sre tartal\u00e9kolni (kiv\u00e9ve persze, ha j\u00f6n a gyerek vagy lej\u00e1r az \u00e9letkori korhat\u00e1r stb.).<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6fd996 elementor-widget elementor-widget-n-accordion\" data-id=\"e6fd996\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2420\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2420\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lak\u00e1s elidegen\u00edt\u00e9se <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2420\" class=\"elementor-element elementor-element-565d860 e-con-full e-flex e-con e-child\" data-id=\"565d860\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2420\" class=\"elementor-element elementor-element-9907a45 e-flex e-con-boxed e-con e-child\" data-id=\"9907a45\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dffae8 elementor-widget elementor-widget-text-editor\" data-id=\"8dffae8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Az elidegen\u00edt\u00e9s az elad\u00e1sn\u00e1l t\u00e1gabb fogalom, mag\u00e1ban foglalja pl. az elaj\u00e1nd\u00e9koz\u00e1st, h\u00e1zast\u00e1rsi k\u00f6z\u00f6s tulajdon megoszt\u00e1s\u00e1t is, de a l\u00e9nyeg mindben ugyanaz: am\u00edg a 10 \u00e9v nem telt le, addig erre nincs lehet\u0151s\u00e9ge. A kiv\u00e9telek persze itt is fenn\u00e1llnak, teh\u00e1t, ha m\u00e1sikat vesz vagy \u00e9p\u00edt meghat\u00e1rozott id\u0151n, egy ill. h\u00e1rom \u00e9ven bel\u00fcl, akkor el tudja helyezni az addig kapott kamatt\u00e1mogat\u00e1st, gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1st a Magyar \u00c1llamkincst\u00e1rn\u00e1l let\u00e9tbe.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ddc4bf elementor-widget elementor-widget-n-accordion\" data-id=\"2ddc4bf\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4800\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4800\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lak\u00e1sc\u00e9lt\u00f3l elt\u00e9r\u0151 hasznos\u00edt\u00e1sa <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4800\" class=\"elementor-element elementor-element-634d371 e-con-full e-flex e-con e-child\" data-id=\"634d371\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4800\" class=\"elementor-element elementor-element-f701157 e-flex e-con-boxed e-con e-child\" data-id=\"f701157\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebdae6f elementor-widget elementor-widget-text-editor\" data-id=\"ebdae6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_26 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>El\u0151fordulhat, hogy valaki irod\u00e1t vagy \u00fczletet alak\u00edtana ki a t\u00e1mogat\u00e1ssal szerzett ingatlan\u00e1ban, ami alap esetben szint\u00e9n tilos. Ett\u0151l m\u00e9g a tulajdon\u00e1ban \u00e1ll\u00f3, max. 2 db, min. t\u00f6bbs\u00e9gi tulajdon\u00e1ban \u00e1ll\u00f3 gazdas\u00e1gi t\u00e1rsas\u00e1g, egy\u00e9ni v\u00e1llalkoz\u00e1s vagy \u0151stermel\u0151i tev\u00e9kenys\u00e9g sz\u00e9khelyek\u00e9nt bejelentheti, felt\u00e9ve, hogy ezt a sz\u00e1nd\u00e9kot az ig\u00e9nyl\u00e9skor m\u00e1r jelezte a banknak vagy ugyan k\u00e9s\u0151bb teszi ezt meg, de el\u0151tte nyilatkozik r\u00f3la a banknak.<\/p><p>Szint\u00e9n megengedett a lak\u00e1shoz tartoz\u00f3 f\u00f6ldr\u00e9szlet ill. az azon \u00e1ll\u00f3 mell\u00e9k\u00e9p\u00edtm\u00e9ny saj\u00e1t gazdas\u00e1gi tev\u00e9kenys\u00e9g folytat\u00e1s\u00e1ra val\u00f3 haszn\u00e1lata. Mik lehetnek ezek? Tipikusan ilyen mindenf\u00e9le m\u0171hely, k\u00f6nyvel\u0151 iroda, fodr\u00e1szszalon \u00e9s hasonl\u00f3k, amiket a telken, de k\u00fcl\u00f6n mell\u00e9k\u00e9p\u00fcletben lehet v\u00e9gezni a t\u00e1mogat\u00e1ssal szerzett ingatlan eset\u00e9ben is. Nem megengedett ugyanakkor ezek b\u00e9rbe vagy haszonb\u00e9rbe ad\u00e1sa.<\/p><p>Ilyen esetekben m\u00e1r az ig\u00e9nyl\u00e9skor k\u00fcl\u00f6n kell venni a lak\u00e1sra \u00e9s a mell\u00e9k\u00e9p\u00edtm\u00e9ny(ek)re es\u0151 v\u00e9tel\u00e1rat ill. beker\u00fcl\u00e9si k\u00f6lts\u00e9get, aminek az a magyar\u00e1zata, hogy az \u00e1llam ezt a konstrukci\u00f3t nem m\u0171helyek \u00e9s \u00fczletek kialak\u00edt\u00e1s\u00e1ra sz\u00e1nja, hanem a lakhat\u00e1s el\u0151seg\u00edt\u00e9s\u00e9re.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbfbd78 elementor-widget elementor-widget-n-accordion\" data-id=\"dbfbd78\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2300\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2300\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> H\u00e1zass\u00e1g felbont\u00e1sa eset\u00e9n <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2300\" class=\"elementor-element elementor-element-6df722b e-con-full e-flex e-con e-child\" data-id=\"6df722b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2300\" class=\"elementor-element elementor-element-4df1a1f e-flex e-con-boxed e-con e-child\" data-id=\"4df1a1f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04faf44 elementor-widget elementor-widget-text-editor\" data-id=\"04faf44\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Egy\u00e9rtelm\u0171en fogalmaz a rendelet ebben az esetben, ugyanis f\u00fcggetlen\u00fcl att\u00f3l, teljes\u00fclt-e a gyermekv\u00e1llal\u00e1s, maga a h\u00e1zass\u00e1g felbont\u00e1sa a kapott kamatt\u00e1mogat\u00e1s visszafizet\u00e9s\u00e9vel j\u00e1r \u00e9s a kamatt\u00e1mogat\u00e1s is megsz\u0171nik onnant\u00f3l kezdve. Mindez addig igaz, ameddig az \u00e1llam jav\u00e1ra bejegyzett elidegen\u00edt\u00e9si \u00e9s terhel\u00e9si tilalom alatt idegen\u00edtik el a volt k\u00f6z\u00f6s lak\u00e1st.<\/p><p>Kiv\u00e9tel ez al\u00f3l, ha az egyik\u00fck szerzi meg a m\u00e1sik tulajdoni h\u00e1nyad\u00e1t \u00e9s valamennyi gyermek lak\u00f3helye n\u00e1la marad, mert akkor az elk\u00f6lt\u00f6z\u0151 f\u00e9lnek nem kell semmit sem visszafizetnie \u00e9s a marad\u00f3 f\u00e9l sz\u00e1m\u00e1ra pedig tov\u00e1bbra is j\u00e1r a kamatt\u00e1mogat\u00e1s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a51b49d elementor-widget elementor-widget-n-accordion\" data-id=\"a51b49d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1730\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> A lak\u00e1s nem a t\u00e1mogatott szem\u00e9ly \u00e9s azon kiskor\u00fa gyermek\u00e9nek \u00e9letvitelszer\u0171 bentlak\u00e1s\u00e1t is mag\u00e1ban foglal\u00f3 lak\u00f3hely\u00e9\u00fcl vagy hontalan eset\u00e9n sz\u00e1ll\u00e1shely\u00e9\u00fcl szolg\u00e1l, aki a t\u00e1mogat\u00e1s alanya <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-6ed1499 e-con-full e-flex e-con e-child\" data-id=\"6ed1499\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-8ceffe8 e-flex e-con-boxed e-con e-child\" data-id=\"8ceffe8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62f34d0 elementor-widget elementor-widget-text-editor\" data-id=\"62f34d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Ez a szab\u00e1ly azt mondja ki, hogy az \u00e1llam csak a t\u00e1mogat\u00e1sokat ki\u00e9rdeml\u0151, arra jogosultakat \u00e9s gyerekeiket szeretn\u00e9 a CSOK Plusszal seg\u00edteni, abban m\u00e1s lak\u00f3helyet, de m\u00e9g sz\u00e1ll\u00e1shelyet sem l\u00e9tes\u00edthet. Ez al\u00f3l k\u00e9t kiv\u00e9tel van:<\/p><ul><li>k\u00f6zeli hozz\u00e1tartoz\u00f3nak a lak\u00e1s haszn\u00e1lat\u00e1t \u00e1tengedhetik, de csak ingyenesen, arra az id\u0151re, ameddig a t\u00e1mogatott szem\u00e9lyek \u00e9s gyerekeik szab\u00e1lyosan elk\u00f6lt\u00f6znek onnan. Ez a rendeletben megfogalmazott kiv\u00e9telek eset\u00e9n lehets\u00e9ges, pl. munkav\u00e9gz\u00e9s c\u00e9lj\u00e1b\u00f3l indokoltan m\u00e1s telep\u00fcl\u00e9sen tart\u00f3zkod\u00e1s vagy tanulm\u00e1nyok folytat\u00e1sa eset\u00e9<\/li><li>nem k\u00f6zeli, de hozz\u00e1tartoz\u00f3 l\u00e9tes\u00edt ott \u00e1lland\u00f3 lak\u00f3helyet vagy tart\u00f3zkod\u00e1si helyet, de \u0151 is csak akkor, ha ezt ingyenesen teszi.<\/li><\/ul><p>Magyar\u00e1n: m\u00e9g rokonnak sem lehet p\u00e9nz\u00e9rt kiadni vagy \u0151t oda engedni a t\u00e1mogat\u00e1ssal szerzett ingatlanba. Idegent meg egy\u00e1ltal\u00e1n nem. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee75b6 elementor-widget elementor-widget-n-accordion\" data-id=\"5ee75b6\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9950\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9950\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Az \u00e9p\u00edt\u00e9si, b\u0151v\u00edt\u00e9si munk\u00e1latok nem k\u00e9sz\u00fclnek el hat\u00e1rid\u0151re <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9950\" class=\"elementor-element elementor-element-6453a8b e-con-full e-flex e-con e-child\" data-id=\"6453a8b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9950\" class=\"elementor-element elementor-element-2119c03 e-flex e-con-boxed e-con e-child\" data-id=\"2119c03\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31a476e elementor-widget elementor-widget-text-editor\" data-id=\"31a476e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Akkor, amikor valaki \u00e9p\u00edt\u00e9sre vagy b\u0151v\u00edt\u00e9sre kap CSOK Pluszt, kap egy\u00fattal egy hat\u00e1rid\u0151t is az \u00e9p\u00edt\u00e9si munk\u00e1latok befejez\u00e9s\u00e9re. A szerz\u0151d\u00e9st\u0151l sz\u00e1m\u00edtott egy \u00e9ven bel\u00fcl meg kell kezdeni, s legk\u00e9s\u0151bb 6 \u00e9ven bel\u00fcl be kell fejezni az \u00e9p\u00edtkez\u00e9st, de ez ut\u00f3bbin\u00e1l kevesebb id\u0151t is szabhat a bank a befejez\u00e9sre. Ha addig nem siker\u00fcl befejezni az \u00e9p\u00edtkez\u00e9st, akkor az szint\u00e9n visszafizet\u00e9si k\u00f6telezetts\u00e9ggel j\u00e1r. Ugyanez a helyzet akkor, ha a t\u00e1mogatott szem\u00e9lyek egyszer\u0171en el\u00e1llnak a m\u00e1r megk\u00f6t\u00f6tt k\u00f6lcs\u00f6nszerz\u0151d\u00e9s teljes\u00edt\u00e9s\u00e9t\u0151l, mert pl. meggondolj\u00e1k magukat.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d22413 elementor-widget elementor-widget-n-accordion\" data-id=\"8d22413\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1470\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1470\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Az ig\u00e9nyl\u0151k a jogszab\u00e1lyban foglalt okirat bemutat\u00e1si k\u00f6telezetts\u00e9g\u00fcknek felsz\u00f3l\u00edt\u00e1sra sem tesznek eleget (p\u00e9ld\u00e1ul haszn\u00e1latbav\u00e9teli enged\u00e9ly nem ker\u00fcl bemutat\u00e1sra) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1470\" class=\"elementor-element elementor-element-9fb14e4 e-con-full e-flex e-con e-child\" data-id=\"9fb14e4\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1470\" class=\"elementor-element elementor-element-b948f35 e-flex e-con-boxed e-con e-child\" data-id=\"b948f35\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0187f24 elementor-widget elementor-widget-text-editor\" data-id=\"0187f24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Mind az ingatlannal, mind a szem\u00e9lyi felt\u00e9telekkel kapcsolatban sz\u00e1mos bejelent\u00e9si k\u00f6telezetts\u00e9g terheli a CSOK Pluszt ig\u00e9nybe vev\u0151t. El\u0151sz\u00f6r is be kell fejeznie a b\u0151v\u00edt\u00e9st vagy \u00e9p\u00edtkez\u00e9st, amit igazolnia kell a banknak, azt\u00e1n be kell jelentkeznie az ingatlanba, de ha megsz\u00fcletik a v\u00e1llalt gyerek, akkor \u0151t is id\u0151ben be kell jelenteni stb. \u00c9rdemes ez\u00e9rt mind a megk\u00f6t\u00f6tt k\u00f6lcs\u00f6nszerz\u0151d\u00e9st, mind a vonatkoz\u00f3 jogszab\u00e1lyt nem csak gondosan eltenni, hanem elolvasni, a l\u00e9nyeges k\u00f6telezetts\u00e9geket kigy\u0171jteni, meg\u00e9rteni \u00e9s betartani, elker\u00fclend\u0151 a k\u00e9s\u0151bbi visszafizet\u00e9st.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-577415d elementor-widget elementor-widget-n-accordion\" data-id=\"577415d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9170\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9170\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> A nem magyar \u00e1llampolg\u00e1r t\u00e1mogatott szem\u00e9ly tart\u00f3zkod\u00e1si jogosults\u00e1ga megsz\u0171nik <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9170\" class=\"elementor-element elementor-element-95df258 e-con-full e-flex e-con e-child\" data-id=\"95df258\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9170\" class=\"elementor-element elementor-element-dd381e3 e-flex e-con-boxed e-con e-child\" data-id=\"dd381e3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d483853 elementor-widget elementor-widget-text-editor\" data-id=\"d483853\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>Ez f\u0151leg EU-n k\u00edv\u00fcli \u00e1llampolg\u00e1rokn\u00e1l lehet \u00e9rdekes, ha megsz\u0171nik egyszer csak a tart\u00f3zkod\u00e1si jogosults\u00e1guk. Ezt k\u00fcl\u00f6n\u00f6sen azoknak j\u00f3 tudniuk, akik ilyen orsz\u00e1gb\u00f3l sz\u00e1rmaz\u00f3 \u00e9s magyar \u00e1llampolg\u00e1rs\u00e1got m\u00e9g nem szerzett h\u00e1zast\u00e1rssal v\u00e1gn\u00e1nak bele a CSOK Pluszba. Merthogy hi\u00e1ba teljes\u00edtenek minden m\u00e1st, ha egyszer mennie kell valami miatt a k\u00fclf\u00f6ldinek, akkor be\u00e1ll a visszafizet\u00e9si k\u00f6telezetts\u00e9ge is.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a470415 elementor-widget elementor-widget-n-accordion\" data-id=\"a470415\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1720\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1720\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6nk\u00e9ntes visszafizet\u00e9s eset\u00e9n <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1720\" class=\"elementor-element elementor-element-33f4bc8 e-con-full e-flex e-con e-child\" data-id=\"33f4bc8\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1720\" class=\"elementor-element elementor-element-310a3b4 e-flex e-con-boxed e-con e-child\" data-id=\"310a3b4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1da7623 elementor-widget elementor-widget-text-editor\" data-id=\"1da7623\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_toggle et_pb_toggle_21 et_pb_toggle_item et_pb_toggle_open\"><div class=\"et_pb_toggle_content clearfix\"><p>V\u00e9g\u00fcl az is egy ide tartoz\u00f3 eset, amikor valamilyen megfontol\u00e1sb\u00f3l valaki az el\u0151tt visszafizetn\u00e9 mag\u00e1t\u00f3l a kapott t\u00e1mogat\u00e1st, miel\u0151tt az erre vonatkoz\u00f3, pl. gyermekv\u00e1llal\u00e1si, \u00e9letvitelszer\u0171 ott tart\u00f3zkod\u00e1si k\u00f6telezetts\u00e9ge lej\u00e1rna.<\/p><p>Ez azt hivatott megel\u0151zni, hogy valaki csak \u00fagy felvegye a t\u00e1mogat\u00e1sokat a n\u00e9lk\u00fcl, hogy sz\u00e1nd\u00e9k\u00e1ban \u00e1llna teljes\u00edteni pl. a gyermekv\u00e1llal\u00e1st, arra apell\u00e1lva, hogy mire a visszafizet\u00e9si k\u00f6telezetts\u00e9ge elj\u00f6n, addigra b\u0151ven emelkedik annyit az ingatlan \u00e9rt\u00e9ke, hogy annak elad\u00e1s\u00e1b\u00f3l sim\u00e1n visszafizesse a b\u00fcntet\u00e9ssel n\u00f6velt CSOK Plusz hitel\u00e9t is.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-516c7c0 e-flex e-con-boxed e-con e-parent\" data-id=\"516c7c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc49668 elementor-widget elementor-widget-heading\" data-id=\"fc49668\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Mennyit kell visszafizetni a CSOK Plusz ut\u00e1n?<\/h5>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c5767f e-grid e-con-full e-con e-child\" data-id=\"4c5767f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a55ecce elementor-widget elementor-widget-text-editor\" data-id=\"a55ecce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tEz a legnehezebb r\u00e9sze a CSOK Plusznak, mert a jogszab\u00e1ly elint\u00e9zi a dolgot annyiban, hogy\n\n<em>a t\u00e1mogatott szem<\/em><em>\u00e9lyek az ig<\/em><em>\u00e9nybe vett kamatt\u00e1mogat\u00e1s <\/em><em>\u00f6sszeg<\/em><em>\u00e9t az ig<\/em><em>\u00e9nybev<\/em><em>\u00e9tel napj\u00e1t<\/em><em>\u00f3l a jegybanki alapkamat 5 sz\u00e1zal<\/em><em>\u00e9kponttal megemelt m<\/em><em>\u00e9rt<\/em><em>\u00e9k<\/em><em>\u00e9nek megfelel\u0151 kamattal n<\/em><em>\u00f6<\/em><em>velten k<\/em><em>\u00f6telesek visszafizetni, <\/em><em>\u00e9s a kamatt\u00e1mogat\u00e1s a j<\/em><em>\u00f6v\u0151re n<\/em><em>\u00e9zve megsz\u0171nik.<\/em>\n<h4>Hogy mi\u00e9rt neh\u00e9z k\u00e9rd\u00e9s ez? Mert nem ad v\u00e1laszt pl. az al\u00e1bbiakra:<\/h4>\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>milyen alapkamattal kell sz\u00e1molni a b\u00fcntet\u00e9s kisz\u00e1m\u00edt\u00e1sakor? Azzal, ami a szerz\u0151d\u00e9sk\u00f6t\u00e9skor volt \u00e9ppen vagy ami a b\u00fcntet\u00e9s kiszab\u00e1sakor, esetleg visszamen\u0151leg kell megn\u00e9zni, hogy mikor mennyi volt ez?<\/li>\n \t<li>mi van akkor, ha pl. a gyermekv\u00e1llal\u00e1s r\u00e9szben teljes\u00fclt? Ez esetben az eg\u00e9sz CSOK Plusz ut\u00e1n kapott kamatt\u00e1mogat\u00e1st kell visszafizetni, vagy csak egy r\u00e9sz\u00e9t?<\/li>\n \t<li>ki, milyen hat\u00e1rid\u0151vel \u00e9s r\u00e9szletezetts\u00e9ggel kell, hogy elv\u00e9gezze ezeket a sz\u00e1m\u00edt\u00e1sokat?<\/li>\n<\/ol>\nMivel nem hagytak nyugodni ezek a k\u00e9rd\u00e9sek nem csak minket, hanem a hozz\u00e1nk fordul\u00f3 \u00fcgyfeleinket sem, ez\u00e9rt addig levelezt\u00fcnk a bankokkal, korm\u00e1nyhivatallal, Magyar \u00c1llamkincst\u00e1rral \u00e9s v\u00e9g\u00fcl az illet\u00e9kes miniszt\u00e9riummal, m\u00edgnem az al\u00e1bbi v\u00e1laszokat kaptuk:\n<ul>\n \t<li>ha sz\u00e1mszer\u0171s\u00edteni kell a visszafizetend\u0151 \u00f6sszeget, akkor ez \u00fcgyben a bankokhoz kell fordulni<\/li>\n \t<li>hat\u00e1rid\u0151t viszont nem szab nekik a jogszab\u00e1ly arra vonatkoz\u00f3an, mikorra kell elk\u00e9sz\u00edteni\u00fck a sz\u00e1m\u00edt\u00e1sukat, \u00edgy mindenf\u00e9le gyakorlat el\u0151fordul jelenleg: van bank, amelyik k\u00e9t nap alatt tud adni erre egy pontos dokument\u00e1ci\u00f3t, m\u00e9g m\u00e1shol h\u00f3napokat v\u00e1rtunk r\u00e1, hi\u00e1ba k\u00e9rdezt\u00fcnk r\u00e1 vagy tucatszor, hogy is \u00e1llnak, ez\u00e9rt emiatt \u00e9rdemes m\u00e1r eleve \u00edgy tervezni, ha erre ker\u00fcl a sor<\/li>\n \t<li>a kapott kamatt\u00e1mogat\u00e1s \u00f6sszege h\u00f3napr\u00f3l h\u00f3napra v\u00e1ltozik, t\u00f6bb okb\u00f3l is. R\u00e9szben a kamatperi\u00f3dusok miatt, a CSOK Plusz 1+1+5 \u00e9ves kamatperi\u00f3dus\u00fa ugyanis, teh\u00e1t az els\u0151 k\u00e9t \u00e9vben egyszer-egyszer v\u00e1ltozik az ir\u00e1nyad\u00f3 kamata, azt\u00e1n m\u00e1r csak \u00f6t \u00e9vente, m\u00e1sr\u00e9szt h\u00f3napr\u00f3l h\u00f3napra egyre t\u00f6bb t\u0151k\u00e9t \u00e9s egyre kevesebb kamatot kell fizetni, mint minden jelz\u00e1loghiteln\u00e9l, emiatt az \u00e1llam \u00e1ltal a banknak adott kamatt\u00e1mogat\u00e1s \u00f6sszege is h\u00f3napr\u00f3l h\u00f3napra v\u00e1ltozik, ha csak egy kicsit is. Ez\u00e9rt az els\u0151 feladat a b\u00fcntet\u00e9s kisz\u00e1m\u00edt\u00e1sakor az eltelt id\u0151re kapott kamatt\u00e1mogat\u00e1s sz\u00e1mszer\u0171s\u00edt\u00e9se, ami elvben pontosan megvan a banknak. Ha ez megvan, akkor j\u00f6het m\u00e9g erre r\u00e1 a fenti m\u00e9rt\u00e9k\u0171 b\u00fcntet\u0151 kamat is.<\/li>\n \t<li>ezt a PTK hat\u00e1rozza meg (6:47 \u00a7 (4)), \u00e9spedig \u201e<em>A kamat sz\u00e1m\u00edt\u00e1sakor az adott napt\u00e1ri f<\/em><em>\u00e9l<\/em><em>\u00e9v els\u0151 napj\u00e1n <\/em><em>\u00e9rv<\/em><em>\u00e9nyes kamat az ir\u00e1nyad\u00f3 az adott napt\u00e1ri f<\/em><em>\u00e9l<\/em><em>\u00e9v teljes idej<\/em><em>\u00e9re<\/em>.\u201d Teh\u00e1t, ha pl. 6 \u00e9vre visszamen\u0151leg kell kisz\u00e1molni a b\u00fcntet\u00e9s \u00f6sszeg\u00e9t, akkor az eltelt teljes 6 \u00e9vre ki kell keresni a napt\u00e1ri f\u00e9l\u00e9vek els\u0151 napj\u00e1n \u00e9rv\u00e9nyes jegybanki alapkamatot, hozz\u00e1adni 5%-pontot \u00e9s azzal beszorozni az addig m\u00e1r elsz\u00e1molt kamatt\u00e1mogat\u00e1sok \u00f6sszeg\u00e9<\/li>\n \t<li>amennyiben a gyermekv\u00e1llal\u00e1s r\u00e9szben teljes\u00fcl csup\u00e1n, akkor a nem teljes\u00fclt gyermekre es\u0151 CSOK \u00f6sszege ut\u00e1n kell a kamatt\u00e1mogat\u00e1st b\u00fcntet\u00e9ssel n\u00f6velten visszafizetni \u00e9s nem a teljes CSOK Plusz \u00f6sszege ut\u00e1n. Emiatt pl., ha valakinek van m\u00e1r egy gyereke \u00e9s m\u00e9g kett\u0151t v\u00e1llalva 50 milli\u00f3 CSOK Pluszt vesz fel, akkor az els\u0151 (megl\u00e9v\u0151) ut\u00e1ni 15 milli\u00f3 \u00e9s a m\u00e1sodik (megsz\u00fcletett) ut\u00e1ni 15 milli\u00f3 ut\u00e1n nem, csak a harmadik gyermekre j\u00e1r\u00f3 20 milli\u00f3 ut\u00e1n kell a kamatt\u00e1mogat\u00e1st visszafizetni.<\/li>\n<\/ul>\nMinden olyan esetben, amikor az a k\u00e9rd\u00e9s mer\u00fcl fel, mennyit is kellhet adott esetben visszafizetni, szem el\u0151tt kell tartani azt a k\u00e9t t\u00e9nyt, hogy\n<ul>\n \t<li>nem tudni el\u0151re, milyen t\u00e9nyleges kamatok lesznek a kamatperi\u00f3dusok v\u00e9gezt\u00e9vel,<\/li>\n \t<li>sem azt, hogy az elk\u00f6vetkezend\u0151 \u00e9vekben milyen jegybanki alapkamat lesz, m\u00e1rpedig ezek alapjaiban tudj\u00e1k befoly\u00e1solni a visszafizetend\u0151 \u00f6sszeget. Tal\u00e1n m\u00e9g a kamatt\u00e1mogat\u00e1s \u00f6sszege lehet ebben a kisebb m\u00e9rt\u00e9k\u0171 v\u00e1ltoz\u00f3, s a jegybanki alapkamat a nagyobb, gondoljunk csak arra, az az elm\u00falt \u00e9vekben milyen sz\u00e9ls\u0151s\u00e9ges p\u00e1ly\u00e1t \u00edrt le a 0,6%-t\u00f3l a 13%-ig!<\/li>\n<\/ul>\nDe ha mindezen bizonytalans\u00e1gok ellen\u00e9re is konkr\u00e9t visszafizetend\u0151 \u00f6sszegekre k\u00edv\u00e1ncsi, akkor \u00e9rdemes lesz tov\u00e1bb olvasnia, mert egy adott pillanatra \u00e9s adott felt\u00e9telez\u00e9sek mellett lehet az\u00e9rt becsl\u00e9seket adni a visszafizetend\u0151 \u00f6sszegre vonatkoz\u00f3an, amiket nem egy nyilv\u00e1nos, hanem egy bels\u0151 haszn\u00e1latra sz\u00e1nt, k\u00fcl\u00f6nb\u00f6z\u0151 esetek modellez\u00e9s\u00e9re alkalmas kalkul\u00e1torral sz\u00e1moltunk ki.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29e5da9 e-flex e-con-boxed e-con e-parent\" data-id=\"29e5da9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c68b8a5 elementor-widget elementor-widget-heading\" data-id=\"c68b8a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Mintasz\u00e1m\u00edt\u00e1sok egy adott pillanatban (2024. szeptember) k\u00fcl\u00f6nb\u00f6z\u0151 esetekre<\/h5>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2205f2c e-grid e-con-full e-con e-child\" data-id=\"2205f2c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6287784 e-con-full e-flex e-con e-child\" data-id=\"6287784\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5d448b elementor-widget elementor-widget-text-editor\" data-id=\"e5d448b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kiindul\u00e1si felt\u00e9telek:<\/p><ul><li>A CSOK Plusz \u00fcgyleti kamat\u00e1nak m\u00e9rt\u00e9ke: az 5 \u00e9ves \u00c1KK \u00e1llampap\u00edr hozam, mint referenciahozam 110 sz\u00e1zal\u00e9ka + 1%=7,88%. Banki nyelven \u00fcgyleti kamat az, amit a bank t\u00e9nylegesen felsz\u00e1m\u00edt a hitel ut\u00e1n.<\/li><li>A sz\u00e1m\u00edt\u00e1s pillanat\u00e1ban a referenciahozam 6,25% volt, teh\u00e1t 6,25% X 1,1=6,809% volt ennek a 110%-a, amihez m\u00e9g 1%-pontot kell adni, \u00edgy j\u00f6tt ki\u00a0a 7,88%-os\u00a0\u00fcgyleti kamat. Forr\u00e1s:<\/li><\/ul><p><a href=\"https:\/\/akk.hu\/statisztika\/lakascelu-kamattamogatas-babavaro-kolcson\/lakascelu-kamattamogatas-babavaro-kolcson-3havi-aukcios-atlaghozamok\">https:\/\/akk.hu\/statisztika\/lakascelu-kamattamogatas-babavaro-kolcson\/lakascelu-kamattamogatas-babavaro-kolcson-3havi-aukcios-atlaghozamok<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e2b3c5 elementor-widget elementor-widget-image\" data-id=\"5e2b3c5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"558\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/tamogatasi-1024x714.png\" class=\"attachment-large size-large wp-image-1613\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/tamogatasi-1024x714.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/tamogatasi-300x209.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/tamogatasi-768x536.png 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/tamogatasi.png 1230w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-163e2e4 e-flex e-con-boxed e-con e-parent\" data-id=\"163e2e4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d233d0e elementor-widget elementor-widget-text-editor\" data-id=\"d233d0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>ebb\u0151l a kamatt\u00e1mogat\u00e1s m\u00e9rt\u00e9ke a fentiek szerint meghat\u00e1rozott \u00fcgyleti kamat 3 sz\u00e1zal\u00e9kponttal cs\u00f6kkentett \u00e9rt\u00e9ke, vagyis:\u00a04,88%, az \u00fcgyf\u00e9lk\u00e9nt t\u00e9nylegesen fizetend\u0151 kamat m\u00e9rt\u00e9ke pedig 3%.<\/li><li>mindezek igazak az 1. \u00e9s 2. kamatperi\u00f3dusra (1. \u00e9s 2. \u00e9v), valamint a 2. ut\u00e1n indul\u00f3 5 \u00e9ves kamatperi\u00f3dusokra is, a kamatt\u00e1mogat\u00e1s v\u00e9g\u00e9ig, ak\u00e1r 25 \u00e9<\/li><li>a visszafizet\u00e9si k\u00f6telezetts\u00e9g eset\u00e9n a sz\u00e1m\u00edt\u00e1s alapja az egyes kamatperi\u00f3dusokban \u00e9rv\u00e9nyes 5 \u00e9ves \u00e1llampap\u00edrhozam, valamint a napt\u00e1ri f\u00e9l\u00e9v els\u0151 napj\u00e1n (janu\u00e1r 1. \u00e9s j\u00falius 1) \u00e9rv\u00e9nyes jegybanki alapkamat m\u00e9rt\u00e9 Ez ut\u00f3bbit itt tal\u00e1lni: <a href=\"https:\/\/www.mnb.hu\/Jegybanki_alapkamat_alakulasa\">https:\/\/www.mnb.hu\/Jegybanki_alapkamat_alakulasa<\/a><\/li><li>p\u00e9ld\u00e1nkban a jegybanki alapkamat \u00e9rt\u00e9ke 6,50%, s erre j\u00f6n m\u00e9g r\u00e1 a CSOK Plusz rendeletben meghat\u00e1rozott 5%-pont, azaz t\u00e9nylegesen 11,5%-al kell sz\u00e1molni a b\u00fcntet\u0151kamatot<\/li><li>az egyszer\u0171s\u00edt\u00e9s kedv\u00e9\u00e9rt mind a referencia kamatot, mind a jegybanki alapkamatot v\u00e9gig azonosnak vett\u00fck, holott m\u00e1r ezen a r\u00f6vid id\u0151t\u00e1von is l\u00e1tszik, hogy mindkett\u0151 folyamatos mozg\u00e1sban van, ami felfel\u00e9 is \u00e9s lefel\u00e9 m\u00f3dos\u00edthatja a b\u00fcntet\u00e9sk\u00e9nt fizetett \u00f6<\/li><\/ul><p>A b\u00fcntet\u00e9s kisz\u00e1m\u00edt\u00e1s\u00e1n\u00e1l els\u0151 l\u00e9p\u00e9sk\u00e9nt meg kell hat\u00e1rozni annak alapj\u00e1t, az pedig az addig kapott kamatt\u00e1mogat\u00e1s. Igaz, hogy azt k\u00f6zvetlen\u00fcl a bank kapta, teh\u00e1t nem is tal\u00e1lkozik vele \u00fcgyf\u00e9lk\u00e9nt az ember, de amikor vissza kell fizetni, akkor el\u0151ker\u00fcl, mert ilyen pl. egy 15 milli\u00f3s, 20 \u00e9ves futamidej\u0171 hitel els\u0151 6 h\u00f3napja:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09f64c3 elementor-widget elementor-widget-image\" data-id=\"09f64c3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1237\" height=\"220\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/diagram.png\" class=\"attachment-full size-full wp-image-1615\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/diagram.png 1237w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/diagram-300x53.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/diagram-1024x182.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/diagram-768x137.png 768w\" sizes=\"(max-width: 1237px) 100vw, 1237px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7eb0fa e-flex e-con-boxed e-con e-parent\" data-id=\"c7eb0fa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77d22b5 e-con-full e-flex e-con e-child\" data-id=\"77d22b5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb63c67 elementor-widget elementor-widget-text-editor\" data-id=\"cb63c67\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ez egy r\u00e9gi kalkul\u00e1tor, de szeml\u00e9ltet\u00e9snek t\u00f6k\u00e9letes, mert a \u201eKieg\u00e9sz\u00edt\u0151 kamatt\u00e1mogat\u00e1s\u201d oszlopban l\u00e1tsz\u00f3dik, mit is jelent a 4,88%-os kamatt\u00e1mogat\u00e1s Ft-ban, havonta. \u00d6sszevetve mondjuk a csal\u00e1di p\u00f3tl\u00e9k vagy a csal\u00e1di ad\u00f3kedvezm\u00e9nyek \u00f6sszeg\u00e9vel, nem keveset, s ez m\u00e9g csak egy 15 milli\u00f3s eset! Ezt v\u00e9gig vezetve 48 h\u00f3napra ez ad\u00f3dik:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e74b3a2 elementor-widget elementor-widget-image\" data-id=\"e74b3a2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/01.png\" class=\"attachment-large size-large wp-image-1616\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/01.png 839w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/01-300x150.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/01-768x384.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b031a5 e-con-full e-flex e-con e-child\" data-id=\"9b031a5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8268be3 elementor-widget elementor-widget-text-editor\" data-id=\"8268be3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Teh\u00e1t 15 milli\u00f3s hitel \u00e9s 48 h\u00f3nap, azaz 4 \u00e9v alatt is 2.784.179 Ft kamatt\u00e1mogat\u00e1st h\u00edv le a bank egy ilyen hitel ut\u00e1n az alapul vett referenciakamat mellett. De itt m\u00e9g nincs v\u00e9ge, mert a k\u00e9kkel p\u00e1rhuzamosan indul a s\u00e1rga vonal is, ami az erre rak\u00f3d\u00f3 b\u00fcntet\u0151kamatot mutatja:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b817b98 elementor-widget elementor-widget-image\" data-id=\"b817b98\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/02.png\" class=\"attachment-large size-large wp-image-1617\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/02.png 839w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/02-300x150.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/02-768x384.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32c3121 e-flex e-con-boxed e-con e-parent\" data-id=\"32c3121\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15c8c3c elementor-widget elementor-widget-text-editor\" data-id=\"15c8c3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A kett\u0151 egy\u00fctt teh\u00e1t a 48. h\u00f3napban 3.453.726 Ft-ra j\u00f6n ki, de az id\u0151 el\u0151rehaladt\u00e1val egyre n\u0151 ennek a b\u00fcntet\u0151kamatnak nem csup\u00e1n az \u00f6sszege, hanem a teljes visszafizetend\u0151b\u0151l az ar\u00e1nya is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-161d993 e-flex e-con-boxed e-con e-parent\" data-id=\"161d993\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2289531 e-con-full e-flex e-con e-child\" data-id=\"2289531\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c6ebfe elementor-widget elementor-widget-heading\" data-id=\"9c6ebfe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Amikor nincs megl\u00e9v\u0151 gyermek \u00e9s nem teljes\u00fcl a gyermekv\u00e1llal\u00e1s<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d49cc4 elementor-widget elementor-widget-text-editor\" data-id=\"2d49cc4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>1. Nem sz\u00fcletik meg az 1 v\u00e1llalt gyermek<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: A h\u00e1zasp\u00e1r egy gyermek sz\u00fclet\u00e9s\u00e9t v\u00e1llalja \u00e9s ennek megfelel\u0151 15 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. Egy gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermek sz\u00fclet\u00e9s\u00e9re 4 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben nem sz\u00fcletik meg a 4 \u00e9v alatt kapott kamatt\u00e1mogat\u00e1st kell b\u00fcntet\u0151 kamattal n\u00f6velten visszafizetni.<\/p><p><u>Sz\u00e1mokban<\/u>:\u00a02.784.179\u00a0Ft kamatt\u00e1mogat\u00e1st \u00e9s\u00a0669.547\u00a0Ft b\u00fcntet\u0151 kamatot, \u00f6sszesen teh\u00e1t 3.453.726\u00a0Ft-ot.<\/p><p>2. Nem \u00e9rkezik meg a k\u00e9t v\u00e1llalt gyermekb\u0151l egy sem<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: K\u00e9t v\u00e1llalt gyermek ut\u00e1n ig\u00e9nyelt 30 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6n 20 \u00e9ves futamid\u0151re t\u00f6rt\u00e9n\u0151 felv\u00e9tele eset\u00e9n a 2 gyermek megsz\u00fclet\u00e9s\u00e9re 8 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben nem sz\u00fcletnek meg, a 8 \u00e9v alatt kapott kamatt\u00e1mogat\u00e1st kell visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten.<\/p><p><u>Sz\u00e1mokban<\/u>:\u00a010.155.706\u00a0Ft kamatt\u00e1mogat\u00e1st \u00e9s 5.018.426\u00a0Ft b\u00fcntet\u0151 kamatot, azaz \u00f6sszesen 15.174.131\u00a0Ft-ot kell visszafizetni.<\/p><p>3. A v\u00e1llalt h\u00e1rom gyermekb\u0151l egy sem sz\u00fcletik meg<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: A h\u00e1zasp\u00e1r h\u00e1rom gyermek sz\u00fclet\u00e9s\u00e9t v\u00e1llalja \u00e9s ennek megfelel\u0151 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 3 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermekek sz\u00fclet\u00e9s\u00e9re 10 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben nem sz\u00fcletnek meg, a 10 \u00e9v alatt kapott teljes kamatt\u00e1mogat\u00e1st kell visszafizetni\u00fck, a b\u00fcntet\u0151kamattal egy\u00fctt.<\/p><p><u>Sz\u00e1mokban<\/u>: ennek \u00f6sszege 20.055.866 Ft, amire m\u00e9g a\u00a0b\u00fcntet\u0151 kamat\u00a0j\u00f6n 12.641.260 Ft-os \u00f6sszeggel, \u00edgy\u00a0\u00f6sszesen\u00a032.697.126 Ft\u00a0t\u00e9r\u00edtend\u0151 vissza.\u00a0Ez mind k\u00f6z\u00fcl a legnagyobb \u00f6sszeg\u0171 b\u00fcntet\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0321ea8 elementor-widget elementor-widget-image\" data-id=\"0321ea8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"480\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon.jpg\" class=\"attachment-large size-large wp-image-635\" alt=\"ingatlanv\u00e1s\u00e1rl\u00e1s \u00faj otthon\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon.jpg 1000w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon-300x180.jpg 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon-768x461.jpg 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon-980x588.jpg 980w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-uj-otthon-480x288.jpg 480w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fe6309 e-con-full e-flex e-con e-child\" data-id=\"7fe6309\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26ad6b5 elementor-widget elementor-widget-heading\" data-id=\"26ad6b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Ha nem minden v\u00e1llalt gyermek sz\u00fcletik meg <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab05d8d elementor-widget elementor-widget-text-editor\" data-id=\"ab05d8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ha a gyermekv\u00e1llal\u00e1si hat\u00e1rid\u0151 lej\u00e1rt\u00e1ig a gyermekv\u00e1llal\u00e1s csak r\u00e9szben teljes\u00fcl, vagyis a v\u00e1llaltn\u00e1l kevesebb gyermek sz\u00fcletik, akkor az ig\u00e9nybe vett kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9t cs\u00f6kkenteni kell a gyermekv\u00e1llal\u00e1si hat\u00e1rid\u0151 lej\u00e1rt\u00e1nak id\u0151pontj\u00e1ban megl\u00e9v\u0151 gyermekek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n \u00f6sszeg\u00e9hez kapcsol\u00f3d\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9vel \u00e9s a k\u00fcl\u00f6nb\u00f6zet fizetend\u0151 vissza a jegybanki alapkamat + 5%-sz\u00e1zal\u00e9kponttal.<\/p><p>4. 2 v\u00e1llalt gyermek helyett 1 gyermek sz\u00fcletik<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: A h\u00e1zasp\u00e1r k\u00e9t gyermek sz\u00fclet\u00e9s\u00e9t v\u00e1llalja \u00e9s ennek megfelel\u0151 30 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. A 2 gyermek sz\u00fclet\u00e9s\u00e9re 8 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben ez alatt 1 gyermek sz\u00fcletik csup\u00e1n, a teljes kapott kamatt\u00e1mogat\u00e1st az 1 gyermek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n \u00f6sszeg\u00e9hez kapcsol\u00f3d\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9vel cs\u00f6kkentve kell visszafizetni.<\/p><p><u>Sz\u00e1mokban<\/u>: 8 \u00e9v alatt 30 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n a kapott kamatt\u00e1mogat\u00e1s \u00f6sszege:\u00a010.155.706 Ft. Ebb\u0151l 1 gyermek ut\u00e1n 15 milli\u00f3 forint CSOK Pluszra jogosultak, \u00edgy a fennmarad\u00f3 15 milli\u00f3 forintra jut\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9t,\u00a05.077.853 Ft-ot\u00a0kell visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten. A b\u00fcntet\u0151kamat \u00f6sszege\u00a02.506.213 Ft,\u00a0\u00edgy \u00f6sszesen\u00a07.584.066 Ft\u00a0fizetend\u0151 vissza.\u00a0<\/p><p>5. 3 v\u00e1llalt gyermek helyett 1 gyermek sz\u00fcletik<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r h\u00e1rom gyermek sz\u00fclet\u00e9s\u00e9t v\u00e1llalja \u00e9s ennek megfelel\u0151en 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 3 gyermek sz\u00fclet\u00e9s\u00e9re 10 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 10 \u00e9v alatt 1 sz\u00fcletik, a kapott kamatt\u00e1mogat\u00e1st az 1 gyermek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n \u00f6sszeg\u00e9hez kapcsol\u00f3d\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9vel cs\u00f6kkentve kell visszafizetni.<\/p><p><u>Sz\u00e1mokban<\/u>: 10 \u00e9v alatt 50 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n kapott kamatt\u00e1mogat\u00e1s \u00f6sszege:\u00a020.055.866 Ft. Ebb\u0151l 1 gyermek ut\u00e1n 15 milli\u00f3 forint kamatt\u00e1mogatott CSOK Pluszra jogosultak az \u00fcgyfelek. \u00cdgy a fennmarad\u00f3 35 milli\u00f3 forintra jut\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9t kell visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten. A kamatt\u00e1mogat\u00e1s \u00f6sszege\u00a014.039.106 Ft, b\u00fcntet\u0151kamat\u00e9 pedig\u00a08.848.882Ft,\u00a0\u00edgy \u00f6sszesen\u00a022.887.988 Ft\u00a0t\u00e9r\u00edtend\u0151 vissza.\u00a0<\/p><p>6. 3 v\u00e1llalt gyermek helyett 2 gyermek sz\u00fcletik<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r h\u00e1rom gyermek sz\u00fclet\u00e9s\u00e9t v\u00e1llalja \u00e9s ennek megfelel\u0151 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 3 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermekek sz\u00fclet\u00e9s\u00e9re 10 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 10 \u00e9v alatt 2 gyermek sz\u00fcletik, a kapott kamatt\u00e1mogat\u00e1st a 2 gyermek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n \u00f6sszeg\u00e9hez kapcsol\u00f3d\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9vel cs\u00f6kkentve kell visszafizetni.<\/p><p><u>Sz\u00e1mokban<\/u>: 10 \u00e9v alatt 50 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n kapott kamatt\u00e1mogat\u00e1s \u00f6sszege:\u00a020.055.866 Ft. Ebb\u0151l 2 gyermek ut\u00e1n 30 milli\u00f3 forint kamatt\u00e1mogatott CSOK Pluszra jogosultak. \u00cdgy a fennmarad\u00f3 20 milli\u00f3 forintra jut\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9t, ami\u00a08.022.346 Ft,\u00a0kell visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten. A b\u00fcntet\u0151kamat \u00f6sszege\u00a05.056.504 Ft,\u00a0\u00edgy \u00f6sszesen\u00a013.078.850 Ft\u00a0t\u00e9r\u00edtend\u0151 vissza.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd60986 e-flex e-con-boxed e-con e-parent\" data-id=\"cd60986\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2da5a24 e-con-full e-flex e-con e-child\" data-id=\"2da5a24\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-064d83c elementor-widget elementor-widget-heading\" data-id=\"064d83c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Ha van m\u00e1r egy megl\u00e9v\u0151 gyermek<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1002b67 elementor-widget elementor-widget-text-editor\" data-id=\"1002b67\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>7. 1 megl\u00e9v\u0151 \u00e9s 1 v\u00e1llalt gyermek eset\u00e9n nem sz\u00fcletik meg a v\u00e1llalt gyermek<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r egy megl\u00e9v\u0151 \u00e9s egy v\u00e1llalt gyermek ut\u00e1n 30 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 1 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermek sz\u00fclet\u00e9s\u00e9re 4 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 4 \u00e9v alatt nem sz\u00fcletik meg a gyermek, \u00fagy az ig\u00e9nybe vett teljes kamatt\u00e1mogat\u00e1st (mindk\u00e9t gyermek ut\u00e1n) vissza kell fizetni, mert a sz\u00fcl\u0151k egy megl\u00e9v\u0151 gyermekkel nem lettek volna jogosultak a CSOK Plusz hitelre m\u00e1r az ig\u00e9nyl\u00e9skor sem.<\/p><p><u>Sz\u00e1mokban<\/u>: 4 \u00e9v alatt 30 milli\u00f3 forint CSOK Plusz hitel ut\u00e1n kapott kamatt\u00e1mogat\u00e1s \u00f6sszege\u00a05.568.358\u00a0Ft, ennek a b\u00fcntet\u0151 kamata pedig\u00a01.339.095\u00a0Ft. A kett\u0151 egy\u00fctt \u00f6sszesen 6.907.453\u00a0Ft.<\/p><p>8. Egy megl\u00e9v\u0151 \u00e9s 2 v\u00e1llalt gyermek eset\u00e9n nem sz\u00fcletnek meg a v\u00e1llalt gyermekek<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r egy megl\u00e9v\u0151 \u00e9s k\u00e9t v\u00e1llalt gyermek ut\u00e1n 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 2 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermekek sz\u00fclet\u00e9s\u00e9re 8 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 8 \u00e9v alatt nem sz\u00fcletik meg egyik v\u00e1llalt gyermek sem, \u00fagy az ig\u00e9nybe vett teljes kamatt\u00e1mogat\u00e1st (mindh\u00e1rom gyermek ut\u00e1n) vissza kell fizetni, mert a sz\u00fcl\u0151k egy megl\u00e9v\u0151 gyermekkel nem lettek volna jogosultak a CSOK Plusz hitelre m\u00e1r az ig\u00e9nyl\u00e9skor sem.<\/p><p><u>Sz\u00e1mokban<\/u>: 8 \u00e9v alatt 50 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n kapott kamatt\u00e1mogat\u00e1s \u00f6sszege\u00a016.926.177\u00a0Ft. B\u00fcntet\u0151 kamata\u00a08.364.041\u00a0Ft. A visszafizetend\u0151 kamatt\u00e1mogat\u00e1s \u00f6sszege b\u00fcntet\u0151kamattal n\u00f6velten: 25.290.218\u00a0Ft.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f10de06 e-con-full e-flex e-con e-child\" data-id=\"f10de06\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7da5f8a elementor-widget elementor-widget-text-editor\" data-id=\"7da5f8a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>9. 1 megl\u00e9v\u0151 \u00e9s 2 v\u00e1llalt gyermek eset\u00e9n nem sz\u00fcletik meg az egyik v\u00e1llalt gyermek<\/p><p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r egy megl\u00e9v\u0151 \u00e9s k\u00e9t v\u00e1llalt gyermek ut\u00e1n 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 2 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermekek sz\u00fclet\u00e9s\u00e9re 8 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 8 \u00e9v alatt csak az egyik v\u00e1llalt gyermek sz\u00fcletik meg, \u00fagy az ig\u00e9nybe vett kamatt\u00e1mogat\u00e1st cs\u00f6kkenteni kell a megl\u00e9v\u0151 2 gyermek ut\u00e1n j\u00e1r\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9vel \u00e9s a k\u00fcl\u00f6nb\u00f6zeti kamatt\u00e1mogat\u00e1st sz\u00fcks\u00e9ges visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten.<\/p><p><u>Sz\u00e1mokban<\/u>: 8 \u00e9v alatt 50 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n kapott kamatt\u00e1mogat\u00e1s \u00f6sszege:\u00a016.926.177\u00a0Ft. Ebb\u0151l az 1 megl\u00e9v\u0151, valamint az 1 teljes\u00fclt gyermek ut\u00e1n 30 milli\u00f3 forint kamatt\u00e1mogatott CSOK Pluszra val\u00f3 jogosults\u00e1g fenn\u00e1ll, \u00edgy a fennmarad\u00f3 20 milli\u00f3 forintra jut\u00f3 kamatt\u00e1mogat\u00e1s \u00f6sszeg\u00e9t &#8211; ami\u00a06.770.471 Ft\u00a0&#8211; kell visszafizetni b\u00fcntet\u0151kamattal n\u00f6velten. A b\u00fcntet\u0151kamat \u00f6sszege\u00a03.345.616 Ft,\u00a0\u00edgy \u00f6sszesen\u00a010.116.087 Ft\u00a0t\u00e9r\u00edtend\u0151 vissza.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47ddf3f e-flex e-con-boxed e-con e-parent\" data-id=\"47ddf3f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-67db5fd e-con-full e-flex e-con e-child\" data-id=\"67db5fd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aea447 elementor-widget elementor-widget-heading\" data-id=\"1aea447\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Ha van m\u00e1r 2 megl\u00e9v\u0151 gyermek<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c190b elementor-widget elementor-widget-text-editor\" data-id=\"25c190b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><u>P<\/u><u>\u00e9lda<\/u>: a h\u00e1zasp\u00e1r k\u00e9t megl\u00e9v\u0151 \u00e9s egy v\u00e1llalt gyermek ut\u00e1n 50 milli\u00f3 forint \u00f6sszeg\u0171 CSOK Plusz k\u00f6lcs\u00f6nt vesz fel 20 \u00e9ves futamid\u0151re. 1 gyermek v\u00e1llal\u00e1sa eset\u00e9n a gyermek sz\u00fclet\u00e9s\u00e9re 4 \u00e9v \u00e1ll rendelkez\u00e9sre.<\/p><p><u>Visszafizet<\/u><u>\u00e9si szab\u00e1<\/u><u>ly<\/u>: amennyiben 4 \u00e9v alatt nem sz\u00fcletik meg a v\u00e1llalt gyermek, \u00fagy az ig\u00e9nybe vett teljes kamatt\u00e1mogat\u00e1st (mindh\u00e1rom gyermek ut\u00e1n) vissza kell fizetni, mert a sz\u00fcl\u0151k k\u00e9t megl\u00e9v\u0151 gyermekkel nem lettek volna jogosultak a CSOK Plusz hitelre m\u00e1r az ig\u00e9nyl\u00e9skor sem.<\/p><p><u>Sz\u00e1mokban<\/u>: 4 \u00e9v alatt 50 milli\u00f3 forint CSOK Plusz hitel eset\u00e9n a kapott kamatt\u00e1mogat\u00e1s \u00f6sszege\u00a09.280.597\u00a0Ft. Ennek a b\u00fcntet\u0151 kamata\u00a02.231.825\u00a0Ft. A teljes visszafizetend\u0151 \u00f6sszeg emiatt 11.512.422\u00a0Ft.<\/p><p>A fenti t\u00edz p\u00e9lda \u00f6sszefoglal\u00f3 sz\u00e1mait az al\u00e1bbi t\u00e1bl\u00e1zat tartalmazza egyben:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cc9cbe elementor-widget elementor-widget-image\" data-id=\"9cc9cbe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1363\" height=\"433\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/2-gyermek.png\" class=\"attachment-full size-full wp-image-1622\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/2-gyermek.png 1363w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/2-gyermek-300x95.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/2-gyermek-1024x325.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/12\/2-gyermek-768x244.png 768w\" sizes=\"(max-width: 1363px) 100vw, 1363px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-325c24f e-grid e-con-full e-con e-child\" data-id=\"325c24f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c87f1d9 elementor-widget elementor-widget-text-editor\" data-id=\"c87f1d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A r\u00e9szben teljes\u00fclt gyermekv\u00e1llal\u00e1s eset\u00e9n a kamatt\u00e1mogat\u00e1s nem sz\u0171nik meg teljes eg\u00e9sz\u00e9ben, az a megsz\u00fcletett gyermek, illetve gyermekek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n\u00f6sszegre tov\u00e1bbra is j\u00e1r. Ezzel ellent\u00e9tben viszont a nem teljes\u00fclt gyermek ut\u00e1n j\u00e1r\u00f3 k\u00f6lcs\u00f6n\u00f6sszeg kamatt\u00e1mogat\u00e1s n\u00e9lk\u00fcl t\u00f6rlesztend\u0151 tov\u00e1bb.<\/p><p>Sokf\u00e9le eset lehets\u00e9ges teh\u00e1t, de abban mind k\u00f6z\u00f6s, hogy ak\u00e1r jelent\u0151s anyagi terhet is r\u00f3hat a h\u00e1ztart\u00e1sra minden elmaradt gyermek\u00e1ld\u00e1s, mely k\u00e9t form\u00e1ban jelentkezhet:<\/p><ul><li>a nem teljes\u00fclt gyermekv\u00e1llal\u00e1s ut\u00e1n j\u00e1r\u00f3 hitel\u00f6sszeg \u00e1t\u00e1raz\u00f3dik az\u00e1ltal, hogy elv\u00e9sz m\u00f6g\u00fcle az \u00e1llami kamatt\u00e1mogat\u00e1s, n\u00f6velve onnant\u00f3l a h\u00e1ztart\u00e1s fix havi kiad\u00e1sait<\/li><li>a fenti b\u00fcntet\u00e9sek a lej\u00e1rt hat\u00e1rid\u0151t k\u00f6vet\u0151 120 napon bel\u00fcl egy \u00f6sszegben (!) esed\u00e9kesek, vagyis nem r\u00e9szletekben, id\u0151ben elosztva, de tov\u00e1bbi kamattal n\u00f6velten kell \u0151ket megfizetni, hanem azonnal, egyben. A fenti 10 esetb\u0151l 6-n\u00e1l ez 10 milli\u00f3 Ft feletti \u00f6sszeget jelent, ami nem sz\u00fcks\u00e9gszer\u0171en \u00e1ll rendelkez\u00e9s\u00e9re minden h\u00e1ztart\u00e1snak a gyermekek miatti magasabb kiad\u00e1sok \u00e9s az addig fizetett CSOK Plusz hitel t\u00f6rleszt\u0151 mellett.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5855274 elementor-widget elementor-widget-text-editor\" data-id=\"5855274\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V\u00e9g\u00fcl fontos szem el\u0151tt tartani, hogy minden fenti sz\u00e1m\u00edt\u00e1s azon leegyszer\u0171s\u00edt\u0151 felt\u00e9telez\u00e9sen alapult, hogy mind a jegybanki alapkamat, mind az \u00c1KK referencia hozam a teljes id\u0151szakban \u00e1lland\u00f3, mik\u00f6zben nyilv\u00e1nval\u00f3 m\u00e1r a CSOK Plusz bevezet\u00e9se \u00f3ta eltelt id\u0151szak adatait is visszan\u00e9zve, hogy ez t\u00e9nylegesen nem igaz, pl. az alapkamat a bevezet\u00e9s pillanat\u00e1ban m\u00e9g 10,00% volt. Emiatt a fenti sz\u00e1mok +\/- ak\u00e1r jelent\u0151sen is elt\u00e9rhetnek azokt\u00f3l, amiket t\u00e9nylegesen b\u00fcntet\u00e9sk\u00e9nt meg kell majd fizetni egy esetleges elmaradt gyermekv\u00e1llal\u00e1s eset\u00e9n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2696955 e-flex e-con-boxed e-con e-parent\" data-id=\"2696955\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-acf3ec0 e-con-full e-flex e-con e-child\" data-id=\"acf3ec0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad85444 elementor-widget elementor-widget-heading\" data-id=\"ad85444\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vannak-e elt\u00e9r\u00e9sek a bankok k\u00f6z\u00f6tt a CSOK Plusz eset\u00e9ben?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48b67a9 elementor-widget elementor-widget-text-editor\" data-id=\"48b67a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light\"><p>Ami a rendelet \u00e1ltal megszabott \u00e1ltal\u00e1nos szab\u00e1lyokat, ig\u00e9nybev\u00e9teli felt\u00e9teleket illeti, term\u00e9szetesen minden bank azok alapj\u00e1n j\u00e1r el, egys\u00e9gesen. Ez azonban nem jelenti azt, hogy teljesen mindegy lenne, hol is pr\u00f3b\u00e1lkozik a CSOK Plusz felv\u00e9tel\u00e9vel, mert sz\u00e1mos ponton vannak elt\u00e9r\u00e9sek a bankok gyakorlat\u00e1ban.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bae6fcb elementor-widget elementor-widget-n-accordion\" data-id=\"bae6fcb\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1950\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1950\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Elt\u00e9r\u00e9sek fedezeti oldalon <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1950\" class=\"elementor-element elementor-element-a7fdc8a e-con-full e-flex e-con e-child\" data-id=\"a7fdc8a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1950\" class=\"elementor-element elementor-element-696828e e-flex e-con-boxed e-con e-child\" data-id=\"696828e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41d1e31 elementor-widget elementor-widget-text-editor\" data-id=\"41d1e31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mivel ez egy jelz\u00e1loghitel, ami m\u00f6g\u00e9 ingatlan fedezet sz\u00fcks\u00e9ges, ez\u00e9rt a fedezetekre vonatkoz\u00f3 elt\u00e9r\u0151 elfogad\u00e1si szab\u00e1lyok itt is jelentkeznek. A rendelet ugyanis csak a hasznos alapter\u00fclet fogalm\u00e1t defini\u00e1lja, valamint a h\u00e1ztart\u00e1s l\u00e9tsz\u00e1m\u00e1nak f\u00fcggv\u00e9ny\u00e9ben ennek minim\u00e1lis nagys\u00e1g\u00e1t, de hogy telep\u00fcl\u00e9senk\u00e9nt melyik bank milyen ar\u00e1nyban hajland\u00f3 finansz\u00edrozni, azt tov\u00e1bbra is \u0151k d\u00f6nthetik el.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b06efb3 elementor-widget elementor-widget-n-accordion\" data-id=\"b06efb3\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1850\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1850\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> J\u00f6vedelmek elt\u00e9r\u0151 kezel\u00e9se <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1850\" class=\"elementor-element elementor-element-fe32081 e-con-full e-flex e-con e-child\" data-id=\"fe32081\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1850\" class=\"elementor-element elementor-element-1e2296a e-flex e-con-boxed e-con e-child\" data-id=\"1e2296a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff3a7a3 elementor-widget elementor-widget-text-editor\" data-id=\"ff3a7a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ugyanez a helyzet a j\u00f6vedelmek elfogad\u00e1s\u00e1val \u00e9s terhelhet\u0151s\u00e9g\u00e9vel kapcsolatban. Ha teh\u00e1t b\u00e1rmilyen specialit\u00e1s mer\u00fcl fel e t\u00e9ren, pl. osztal\u00e9k, b\u00e9rleti d\u00edj, GYED, hat\u00e1rozott idej\u0171 munkaviszonyb\u00f3l sz\u00e1rmaz\u00f3 vagy \u00e9pp k\u00fclf\u00f6ldr\u0151l \u00e9rkez\u0151 j\u00f6vedelem, akkor mindenk\u00e9ppen \u00e9rdemes alaposabban sz\u00e9tn\u00e9zni a bankok h\u00e1za t\u00e1j\u00e1n, mert egy\u00e1ltal\u00e1n nem egys\u00e9ges a gyakorlatuk \u00e9s ami az egyikn\u00e9l nem megy, az att\u00f3l m\u00e9g egy m\u00e1sikn\u00e1l sim\u00e1n mehet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9bcce3 elementor-widget elementor-widget-n-accordion\" data-id=\"f9bcce3\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2610\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2610\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00c9letkori szab\u00e1lyok <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2610\" class=\"elementor-element elementor-element-50b0f4a e-con-full e-flex e-con e-child\" data-id=\"50b0f4a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2610\" class=\"elementor-element elementor-element-e2a4229 e-flex e-con-boxed e-con e-child\" data-id=\"e2a4229\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86cf866 elementor-widget elementor-widget-text-editor\" data-id=\"86cf866\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A rendelet csup\u00e1n azt hat\u00e1rozza meg, hogy a CSOK Pluszt olyan fiatal h\u00e1zasp\u00e1rok vehetik fel, amelyek h\u00f6lgy tagja az ig\u00e9nyl\u00e9s pillanat\u00e1ban m\u00e9g nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t. De ha pl. a f\u00e9rj 55 \u00e9ves \u00e9s csak \u0151 igazol j\u00f6vedelmet, akkor van bank, amelyikn\u00e9l 15 \u00e9ves, m\u00e1shol pedig 20 \u00e9ves futamid\u0151 is sz\u00f3ba j\u00f6het\u0151 ilyenkor. Ha pedig a feles\u00e9g m\u00e9g dolgozik \u00e9s tud j\u00f6vedelmet igazolni maga is, akkor van, ahol az \u0151 \u00e9letkora lesz a meghat\u00e1roz\u00f3, s \u00edgy ak\u00e1r a 25 \u00e9ves futamid\u0151 is sz\u00f3ba j\u00f6het. Az is megeshet tov\u00e1bb\u00e1, hogy 39 \u00e9ves a feles\u00e9g az ig\u00e9nyl\u00e9skor \u00e9s 2 vagy 3 v\u00e1llalt gyerekkel adj\u00e1k be a k\u00e9relmet, ami a rendelet bet\u0171j\u00e9nek megfelel, de ett\u0151l m\u00e9g mondhatja azt egy bank, hogy nem \u00e9letszer\u0171 ilyen korban m\u00e9g ennyi gyerek sz\u00fclet\u00e9se, ha csak nincs \u00e9pp folyamatban egy iker terhess\u00e9g, ez\u00e9rt elutas\u00edtja a k\u00e9relmet, m\u00edg a m\u00e1sik abb\u00f3l indul ki, hogy ha nem is kiz\u00e1rt biol\u00f3giailag, se rendeletileg, teh\u00e1t akkor mi\u00e9rt is ne adn\u00e1 meg.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d879997 elementor-widget elementor-widget-n-accordion\" data-id=\"d879997\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2260\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2260\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Van, ahol van m\u00e9g szabad felhaszn\u00e1l\u00e1s\u00fa hitel, k\u00e9t bankn\u00e1l m\u00e1r nincs <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2260\" class=\"elementor-element elementor-element-1c9b9a8 e-con-full e-flex e-con e-child\" data-id=\"1c9b9a8\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2260\" class=\"elementor-element elementor-element-5184d52 e-flex e-con-boxed e-con e-child\" data-id=\"5184d52\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0155a09 elementor-widget elementor-widget-text-editor\" data-id=\"0155a09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>F\u0151leg t\u00f6bb gyerek v\u00e1llal\u00e1sa vagy jelent\u0151s \u00f6ner\u0151 eset\u00e9n \u00e9rdemes lehet arra is gondolni, hogy ha nem teljes\u00fclt gyermekv\u00e1llal\u00e1s miatt kamatt\u00e1mogat\u00e1s visszafizet\u00e9s\u00e9re ker\u00fclne sor, akkor lenne-e lehet\u0151s\u00e9g plusz hitel ig\u00e9nyl\u00e9s\u00e9re a m\u00e1r az ingatlanon l\u00e9v\u0151 mell\u00e9 (4,8 vagy 10 \u00e9ves v\u00e1llal\u00e1si hat\u00e1rid\u0151k mellett sok esetben m\u00e9g fenn fog \u00e1llni a CSOK Plusz), szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitel form\u00e1j\u00e1ban. Egy pl. 150 milli\u00f3s ingatlanra felvett 15-50 milli\u00f3 k\u00f6z\u00f6tti CSOK Plusz m\u00f6g\u00e9 b\u0151ven odaf\u00e9rhet m\u00e9g ugyanis egy plusz hitel, ha m\u00e1s forr\u00e1s \u00e9pp nem \u00e1ll rendelkez\u00e9sre a visszafizet\u00e9sre vagy \u00e9pp m\u00e1s valamire kellene ilyen c\u00e9l\u00fa hitel, de ha olyan bankot v\u00e1laszt, amelyikn\u00e9l m\u00e1r az indul\u00e1skor sincs ilyen hitelfajta, kicsi az es\u00e9lye, hogy addigra lesz, mire sz\u00fcks\u00e9ge lehet r\u00e1, ez\u00e9rt jobban j\u00e1r, ha eleve ker\u00fcli az ilyen bankokat \u00e9s olyat v\u00e1laszt, amelyikn\u00e9l m\u00e9g l\u00e9tezik ez a hitelfajta. Nyilv\u00e1n nincs garancia arra, hogy m\u00e9g akkor is lesz ilyen hitel\u00fck, amikor sz\u00fcks\u00e9ge lehet r\u00e1, de nagyobb az es\u00e9lye, mint arra, hogy akik ezt kivezett\u00e9k, addigra majd visszavezetik.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66df626 elementor-widget elementor-widget-n-accordion\" data-id=\"66df626\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1070\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1070\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Elt\u00e9r\u0151 hitelc\u00e9lok <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1070\" class=\"elementor-element elementor-element-d008e16 e-con-full e-flex e-con e-child\" data-id=\"d008e16\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1070\" class=\"elementor-element elementor-element-e86b7cb e-flex e-con-boxed e-con e-child\" data-id=\"e86b7cb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78ea2c8 elementor-widget elementor-widget-text-editor\" data-id=\"78ea2c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nem minden bank vezette be az \u00f6sszes lehets\u00e9ges c\u00e9lra a CSOK Pluszt. Van, amelyikn\u00e9l \u00e9p\u00edt\u00e9si c\u00e9lra nem \u00e9rhet\u0151 el, m\u00e1sn\u00e1l \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sra sem, a ritk\u00e1bb, b\u0151v\u00edt\u00e9si c\u00e9l\u00faakat nem is eml\u00edtve. M\u00e1s bankok ezzel szemben b\u00e1rmilyen, a rendelet \u00e1ltal engedett c\u00e9lra bevezett\u00e9k.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb3f0a elementor-widget elementor-widget-n-accordion\" data-id=\"4fb3f0a\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8350\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8350\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Egyszeri d\u00edjak <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8350\" class=\"elementor-element elementor-element-7216106 e-con-full e-flex e-con e-child\" data-id=\"7216106\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8350\" class=\"elementor-element elementor-element-c4fee5f e-flex e-con-boxed e-con e-child\" data-id=\"c4fee5f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2af9c8 elementor-widget elementor-widget-text-editor\" data-id=\"f2af9c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nem teljesen \u00e9rtj\u00fck, de a mai napig van bank, amelyik nem engedi el a foly\u00f3s\u00edt\u00e1si d\u00edjat (a rendelet szerint ez a hitel \u00f6sszeg\u00e9nek 0,75%-a, max. 300.000 Ft lehet). Elt\u00e9r\u0151ek tov\u00e1bb\u00e1 az \u00e9rt\u00e9kbecsl\u00e9si \u00e9s szemle d\u00edjak is, igaz, azokban \u201ecsak\u201d p\u00e1r ezres, n\u00e9h\u00e1ny t\u00edzezres k\u00fcl\u00f6nbs\u00e9gek vannak csup\u00e1n. Vagyis, ha egy\u00e9bk\u00e9nt t\u00f6bb bank is sz\u00f3ba j\u00f6het, akkor \u00e9rdemes lehet ezekre is alaposan kit\u00e9rni, elker\u00fclend\u0151 t\u00f6bb sz\u00e1zezer Ft felesleges kifizet\u00e9s\u00e9t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc6723d elementor-widget elementor-widget-n-accordion\" data-id=\"dc6723d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2310\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Rendelkez\u00e9sre tart\u00e1si d\u00edjak <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2310\" class=\"elementor-element elementor-element-164abc7 e-con-full e-flex e-con e-child\" data-id=\"164abc7\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2310\" class=\"elementor-element elementor-element-74a7557 e-flex e-con-boxed e-con e-child\" data-id=\"74a7557\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2698508 elementor-widget elementor-widget-text-editor\" data-id=\"2698508\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ez szakaszos, nem egy \u00f6sszegben foly\u00f3s\u00edtott hitelekn\u00e9l fordulhat el\u0151. Tipikusan ilyen az \u00f6sszes \u00e9p\u00edt\u00e9si, b\u0151v\u00edt\u00e9si hitel, de \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sn\u00e1l is el\u0151fordulhat olyankor, amikor m\u00e1r le van szerz\u0151dve a hitel, de m\u00e9g nem siker\u00fclt teljes eg\u00e9sz\u00e9ben felhaszn\u00e1lni, leh\u00edvni. llyenkor a m\u00e9g le nem h\u00edvott r\u00e9szek ut\u00e1n \u00e9vi 1-2%, de max. az \u00fcgyleti kamat 50%-\u00e1t kitev\u0151 rendelkez\u00e9sre tart\u00e1si d\u00edjat szedhetnek a bankok. A legnagyobb \u00f6sszeg\u0171 hiteln\u00e9l, 50 milli\u00f3n\u00e1l az \u00e9vi 1% 500.000 Ft-ot jelent \u00e9ves szinten, teh\u00e1t kb. havi 42.000-et, mindaddig, am\u00edg nem siker\u00fcl azt leh\u00edvni, m\u00e1shol pedig ezt fel sem sz\u00e1m\u00edtj\u00e1k vagy volt olyan eset\u00fcnk, ahol egyediben elengedt\u00e9k az \u00fcgyfel\u00fcnknek, t\u00f6bb sz\u00e1z ezer Ft-ot sp\u00f3rolva nekik, mert persze hogy cs\u00fasztak az \u00e9p\u00edtkez\u00e9s\u00fck\u00f6n az \u00f6nerej\u00fck be\u00e9p\u00edt\u00e9s\u00e9vel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c085392 elementor-widget elementor-widget-n-accordion\" data-id=\"c085392\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2010\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2010\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mell\u00e9 adott piaci hitel felt\u00e9telei <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2010\" class=\"elementor-element elementor-element-cf76845 e-con-full e-flex e-con e-child\" data-id=\"cf76845\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2010\" class=\"elementor-element elementor-element-23dd0e5 e-flex e-con-boxed e-con e-child\" data-id=\"23dd0e5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c085625 elementor-widget elementor-widget-text-editor\" data-id=\"c085625\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>T\u00f6bb bank 2025. elej\u00e9n j\u00f6tt ki olyan konstrukci\u00f3kkal, amelyekn\u00e9l a CSOK Plusz mell\u00e9 felvett piaci hitel\u00fcket extra kedvezm\u00e9nyesen adj\u00e1k, bizonyos felt\u00e9telek teljes\u00fcl\u00e9se eset\u00e9n, abb\u00f3l a megfontol\u00e1sb\u00f3l, hogy a CSOK Pluszra beszedett \u00e1llami t\u00e1mogat\u00e1s egy r\u00e9sz\u00e9b\u0151l keresztfinansz\u00edrozz\u00e1k a piaci hitel kedvez\u0151bb kamat\u00e1t, ami \u00edgy ak\u00e1r 5% al\u00e1 is le tud menni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8223c3 elementor-widget elementor-widget-n-accordion\" data-id=\"f8223c3\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2600\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2600\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Elj\u00e1r\u00e1srend, hat\u00e1rid\u0151k <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2600\" class=\"elementor-element elementor-element-48d4bae e-con-full e-flex e-con e-child\" data-id=\"48d4bae\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2600\" class=\"elementor-element elementor-element-0cfa7f7 e-flex e-con-boxed e-con e-child\" data-id=\"0cfa7f7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71d0126 elementor-widget elementor-widget-text-editor\" data-id=\"71d0126\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V\u00e9g\u00fcl ne feledkezz\u00fcnk meg az egyes bankok k\u00f6z\u00f6tti elt\u00e9r\u0151 elj\u00e1r\u00e1srendr\u0151l ill. hat\u00e1rid\u0151kr\u0151l sem, amelyek \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1n\u00e1l \u00e9rt\u00e9kel\u0151dhetnek fel igaz\u00e1n. Nem mindegy ugyanis, hogy mennyi id\u0151n bel\u00fcl kell leszerz\u0151dni a CSOK Pluszra, miut\u00e1n azt j\u00f3v\u00e1hagyt\u00e1k (ha pl. haszn\u00e1lt lak\u00e1s v\u00e1s\u00e1rl\u00e1sn\u00e1l nem tud m\u00e9g kik\u00f6lt\u00f6zni az elad\u00f3, akkor \u00e9rdemes lehet kiv\u00e1rni vele) vagy hogy mennyi id\u0151n bel\u00fcl kell k\u00e9rni a foly\u00f3s\u00edt\u00e1st, vagy \u00e9pp mennyi id\u0151 alatt kell befejezni az \u00e9p\u00edtkez\u00e9st, b\u0151v\u00edt\u00e9st. Ha valaki pl. sok saj\u00e1t munk\u00e1val tervez ezekn\u00e9l, akkor v\u00e1rhat\u00f3an lassabban fog haladni \u00e9s ez esetben l\u00e9nyeges lesz sz\u00e1m\u00e1ra, h\u00e1ny h\u00f3napon bel\u00fcl kell befejeznie azt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d62a13 e-flex e-con-boxed e-con e-parent\" data-id=\"0d62a13\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6dfe372 e-con-full e-flex e-con e-child\" data-id=\"6dfe372\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6ce0ff elementor-widget elementor-widget-heading\" data-id=\"c6ce0ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Miben tudunk seg\u00edteni a CSOK Plusz ig\u00e9nyl\u00e9se sor\u00e1n?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cc0f1d elementor-widget elementor-widget-text-editor\" data-id=\"0cc0f1d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light\">\n\nAz el\u0151z\u0151 fejezetben eml\u00edtett elt\u00e9r\u00e9sek r\u00e1ad\u00e1sul a legt\u00f6bb esetben nem is mind nyilv\u00e1nosak, mert nem adj\u00e1k ki a bankok, hogyan sz\u00e1molj\u00e1k a j\u00f6vedelmeket vagy, ha nyilv\u00e1nosak is, nem k\u00f6nny\u0171 megtal\u00e1lni \u0151ket (pl. az im\u00e9nt 20 perc is kev\u00e9s volt az egyik bank oldal\u00e1n kikeresni a rendelkez\u00e9sre tart\u00e1si d\u00edjat).\n\nTerm\u00e9szetesen a CSOK Plusz eset\u00e9ben is \u00e9rv\u00e9nyes\u00fclnek mindazon el\u0151ny\u00f6k, amiket k\u00f6zvet\u00edt\u0151 k\u00f6zrem\u0171k\u00f6d\u00e9se eset\u00e9n \u00e9lvezhet. A CSOK Pluszn\u00e1l ezeken fel\u00fcl tov\u00e1bbi el\u0151ny lehet az elj\u00e1r\u00e1srend \u00e9s a piaci gyakorlat napi szint\u0171 ismerete. Az al\u00e1bbi, kritikus pontok &#8211; a teljess\u00e9g ig\u00e9nye n\u00e9lk\u00fcl &#8211; az al\u00e1bbiak lehetnek:\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>hat\u00e1rid\u0151k: szinte minden CSOK Plusz felv\u00e9tel el\u0151tt hangs\u00falyos t\u00e9ma a t\u00e1rgyal\u00e1sainkon a k\u00fcl\u00f6nb\u00f6z\u0151 hat\u00e1rid\u0151k kezel\u00e9 Pl. 7 h\u00f3napos terhesen beadott k\u00e9relem el\u00e9g-e ahhoz, hogy a sz\u00fcletend\u0151 gyermekkel m\u00e1r teljes\u00fclj\u00f6n legal\u00e1bb egy gyermekv\u00e1llal\u00e1s vagy le is kell szerz\u0151dni a sz\u00fclet\u00e9s el\u0151tt, esetleg ki is kell, hogy foly\u00f3s\u00edtsa a bank a hitelt addig.<\/li>\n \t<li>folyamat: mikor lehet ind\u00edtani egy ilyen k\u00e9relmet, mi a jellemz\u0151 \u00e1tfut\u00e1si id\u0151, mit lehet csin\u00e1lni, ha valami miatt elakad az \u00fcgy stb.<\/li>\n \t<li>ingatlanfedezet: b\u00e1r a rendelet pontosan meghat\u00e1rozza a nett\u00f3 hasznos alapter\u00fclet fogalm\u00e1t, azt azonban nem, hogy adott telep\u00fcl\u00e9sen milyen ar\u00e1nyban finansz\u00edrozzanak a bankok (csak a maximumot), sem azt, hogy milyen \u00f6sszeg\u0171 \u00e9rt\u00e9kbecsl\u00e9si d\u00edjat k\u00e9rhetnek, amiben szint\u00e9n lehetnek elt\u00e9r\u00e9sek, de azt is j\u00f3 tudni, hogy melyik bank milyen c\u00e9lra vezette m\u00e1r be \u00e9s adja a CSOK Pluszt \u00e9s mire nem. Egyesekn\u00e9l ugyanis az \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sra m\u00e9g nincs, m\u00e1sn\u00e1l \u00e9p\u00edt\u00e9sre nincs. Rengeteg plusz k\u00f6rt tudunk megsp\u00f3rolni azzal, hogy ezeket szem\u00e9lyre szabottan meg tudjuk n\u00e9zni vagy le tudjuk gyorsan k\u00e9rdezni, szemben azzal, hogy egyes\u00e9vel v\u00e9gig kell l\u00e1togatni a bankokat, esetleg megpr\u00f3b\u00e1lni \u00f6sszeszedni a honlapjaikr\u00f3l szem\u00e9lyre szabottan minden ezzel kapcsolatos inform\u00e1ci\u00f3t, s akkor m\u00e9g azokr\u00f3l nem is besz\u00e9lt\u00fcnk, amik esetleg nem publikusak vagy rejtve vannak.<\/li>\n<\/ol>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64bc1ae e-con-full e-flex e-con e-child\" data-id=\"64bc1ae\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-126546c elementor-widget elementor-widget-heading\" data-id=\"126546c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\u00c9rdemes-e felvenni a CSOK Pluszt szerint\u00fcnk? <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f0ced1 elementor-widget elementor-widget-text-editor\" data-id=\"1f0ced1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light\">\n\nT\u00f6bb oldalr\u00f3l \u00e9rdemes megvizsg\u00e1lni ezt a k\u00e9rd\u00e9st ahhoz, hogy teljes k\u00e9pet kapjunk. Amikor az els\u0151 h\u00edrek j\u00f6ttek a kor\u00e1bbi CSOK, Otthonteremt\u0151 hitel \u00e9s \u00c1FA visszat\u00e9r\u00edt\u00e9s megsz\u00fcntet\u00e9s\u00e9r\u0151l, akkor ezt azzal indokolt\u00e1k, hogy egy, m\u00e9g ezekn\u00e9l is nagyobb \u00f6sszeg\u0171 t\u00e1mogat\u00e1s j\u00f6n helyett\u00fck, mik\u00f6zben a COVID \u00e9s az energiav\u00e1ls\u00e1g terheit ny\u00f6g\u0151 k\u00f6lts\u00e9gvet\u00e9s azonnali kiad\u00e1sain akartak tetemes \u00f6sszeget megtakar\u00edtani az\u00e1ltal, hogy nem egyszeri elenged\u00e9sek (\u00c1FA, illet\u00e9k) \u00e9s t\u00e1mogat\u00e1sok (CSOK), hanem ink\u00e1bb id\u0151ben elny\u00fajtott kamatt\u00e1mogat\u00e1sok form\u00e1j\u00e1ban seg\u00edts\u00e9k az otthonhoz jut\u00e1st, er\u0151s\u00edtve vele egy\u00fattal a keresleti oldalt, ami 2023-ra szemmel l\u00e1that\u00f3an megroggyant az ingatlanpiacon, hiszen mind az ad\u00e1sv\u00e9telek sz\u00e1ma, mind az \u00e1remelked\u00e9s \u00fcteme mark\u00e1ns fordulatot jelzett a kor\u00e1bbi \u00e9vek sz\u00e1guld\u00e1s\u00e1hoz k\u00e9pest.\n\nErre a r\u00f6vid t\u00e1v\u00fa c\u00e9lra a CSOK Plusz bevezet\u00e9se k\u00e9ts\u00e9gtelen\u00fcl alkalmas volt, \u00e1m ez potenci\u00e1lis ig\u00e9nyl\u0151k\u00e9nt ink\u00e1bb h\u00e1tr\u00e1nyk\u00e9nt jelentkezik, hiszen az egyszeri \u00f6sszegek kies\u00e9se plusz \u00f6ner\u0151t felt\u00e9telez ahhoz, hogy egy\u00e1ltal\u00e1n l\u00e9trej\u00f6hessen egy \u00fcgylet. Ezt k\u00e9s\u0151bb ellens\u00falyozhatja a nagyobb \u00f6sszeg\u0171 kamatt\u00e1mogat\u00e1s \u00e9s a gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1s is, csakhogy ezek egy\u00fattal plusz kock\u00e1zatot is jelentenek nem teljes\u00fcl\u00e9s eset\u00e9n. Teh\u00e1t, amennyire j\u00f3l j\u00e1rt vele a k\u00f6lts\u00e9gvet\u00e9s r\u00f6vid t\u00e1von \u00e9s rosszabbul hosszabb t\u00e1von, ugyanez ford\u00edtva igaz ig\u00e9nyl\u0151i oldalon, r\u00f6vid t\u00e1von plusz teher, hosszabb t\u00e1von nagyobb k\u00f6nnyebbs\u00e9g.\n\n\u00d6sszess\u00e9g\u00e9ben teh\u00e1t egy\u00e9rtelm\u0171 visszal\u00e9p\u00e9s t\u00f6rt\u00e9nt sz\u00e1mos ponton a kor\u00e1bban ny\u00fajtott t\u00e1mogat\u00e1sokhoz k\u00e9pest:\n<ul>\n \t<li>j\u00f3val kevesebb a vissza nem t\u00e9r\u00edtend\u0151 \u00f6sszeg,<\/li>\n \t<li>sz\u0171kebbek az \u00e9letkori korl\u00e1tok (csak 41 \u00e9v alatti feles\u00e9ggel vehet\u0151 ig\u00e9nybe),<\/li>\n \t<li>\u00f6nmag\u00e1ban megl\u00e9v\u0151 gyerekre nem lehet ig\u00e9nybe venni,<\/li>\n \t<li>\u00edgy bej\u00f6tt felt\u00e9telk\u00e9nt a gyermekv\u00e1llal\u00e1si k\u00e9nyszer,<\/li>\n \t<li>mik\u00f6zben a nagyobb hitel\u00f6sszegek miatt j\u00f3val nagyobb \u00f6sszeg\u0171 b\u00fcntet\u00e9sek fenyegetnek a felt\u00e9telek nem teljes\u00fcl\u00e9se eset\u00e9n,<\/li>\n \t<li>s ez m\u00e9g nem minden, mert ezek n\u00f6veked\u00e9s\u00e9nek kock\u00e1zata is az ig\u00e9nybe vev\u0151ket terhelik, hiszen nem fix sem a b\u00fcntet\u00e9s alapj\u00e1ul szolg\u00e1l\u00f3 jegybanki alapkamat, sem a ny\u00fajtott kamatt\u00e1mogat\u00e1sn\u00e1l figyelembe vett referenciahozam sem.<\/li>\n<\/ul>\nEzekb\u0151l a legal\u00e1bb egy \u00faj gyerek el\u0151\u00edr\u00e1sa m\u00e9g ak\u00e1r \u00e9rthet\u0151 is lehet, eln\u00e9zve a tragikus sz\u00fclet\u00e9si adatokat 2024-ben \u00e9s 2025 eddig eltelt h\u00f3napjaiban, de hogy m\u00e1sik ingatlan tulajdon mellett mi\u00e9rt is adnak m\u00e9g mindig ilyen t\u00e1mogatott konstrukci\u00f3kat ak\u00e1r sokadik lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1ra vagy hogy mi\u00e9rt nem kell beforgatni a kor\u00e1bbi ingatlan \u00e9rt\u00e9k\u00e9t az \u00faj\u00e9ba, az felett\u00e9bb furcsa akkor, amikor sp\u00f3rolni akart a k\u00f6lts\u00e9gvet\u00e9s.\n\nHogy m\u00e9gis akkor kinek j\u00f3 ez a konstrukci\u00f3? Maradtak az\u00e9rt m\u00e9g olyanok, akiknek igen. Legink\u00e1bb azon fiatal h\u00e1zasp\u00e1rok, amelyek gyermekv\u00e1llal\u00e1sra k\u00e9sz\u00fclnek, k\u00fcl\u00f6n\u00f6sen akkor, ha m\u00e1r van nekik, s egy\u00e9bk\u00e9nt mind a j\u00f6vedelmeik, mind az \u00f6nerej\u00fck lehet\u0151v\u00e9 teszi a CSOK Plusz ig\u00e9nybev\u00e9tel\u00e9t. N\u00e1luk is jobban j\u00e1rhatnak azok, akiknek nem felt\u00e9tlen\u00fcl lenne r\u00e1 sz\u00fcks\u00e9g\u00fck, teh\u00e1t meg tudn\u00e1k oldani lak\u00e1sc\u00e9ljaikat n\u00e9lk\u00fcle is, de mivel nagyon kedvez\u0151, ak\u00e1r 25 \u00e9vre fix 3%-os a kamata, ez\u00e9rt meg\u00e9ri nekik ezt felvenni \u00e9s pl. \u00e1llampap\u00edrban tartani enn\u00e9l k\u00e9tszer magasabb kamattal a megtakar\u00edt\u00e1saikat. A legjobban pedig azok j\u00e1rnak, akik pont akkor tudj\u00e1k ig\u00e9nyelni, amikor m\u00e1r van 12 hetes magzatuk, mert abban az esetben kamatkock\u00e1zattal a gyermekv\u00e1llal\u00e1s elmarad\u00e1sa miatt egy\u00e1ltal\u00e1n nem kell sz\u00e1molniuk. De ett\u0151l m\u00e9g megmaradnak a CSOK Plusz egy\u00e9b kock\u00e1zatai, amiket kezelni\u00fck \u00e9rdemes, csak k\u00f6z\u00fcl\u00fck a legink\u00e1bb nyomasztani tud\u00f3 gyermekv\u00e1llal\u00e1si m\u00e1r kiker\u00fcl a k\u00e9pb\u0151l.\n\nKiv\u00e1ltk\u00e9pp indokoltnak l\u00e1tjuk a CSOK Plusz mell\u0151z\u00e9s\u00e9t azokn\u00e1l a fiatal p\u00e1rokn\u00e1l, akik\n<ol style=\"list-style-type: lower-alpha;\">\n \t<li>m\u00e9g nem h\u00e1zasok, vagy<\/li>\n \t<li>nem is akarnak \u00f6sszeh\u00e1zasodni<\/li>\n \t<li>esetleg nem \u00e9rzik el\u00e9g stabilnak ehhez a p\u00e1rkapcsolatukat<\/li>\n \t<li>mik\u00f6zben t\u00f6bb gyereket is v\u00e1llalniuk kellene, holott egy sincs m\u00e9g<\/li>\n \t<li>vagy valamikor k\u00fclf\u00f6ldi munkav\u00e1llal\u00e1st vagy k\u00fclf\u00f6ldre k\u00f6lt\u00f6z\u00e9st terveznek 10 \u00e9ves t\u00e1vlatban<\/li>\n \t<li>net\u00e1n orsz\u00e1gon bel\u00fcl szeretn\u00e9k a mobilit\u00e1sukat fenntartani, ez\u00e9rt nem biztosak abban, hogy 10 \u00e9vig ugyanott szeretn\u00e9nek majd lakni<\/li>\n<\/ol>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b97c70 e-flex e-con-boxed e-con e-parent\" data-id=\"1b97c70\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9205aee elementor-widget elementor-widget-heading\" data-id=\"9205aee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Sok t\u00e9nyez\u0151s teh\u00e1t annak eld\u00f6nt\u00e9se, hogy kinek \u00e9rheti meg \u00e9s hogyan a CSOK Plusz, ez\u00e9rt sem pro, sem kontra nem t\u00f6rn\u00e9nk mellette vagy felette p\u00e1lc\u00e1t, hanem sokkal ink\u00e1bb azt hangs\u00falyozzuk, hogy mindenkinek mag\u00e1nak kell a p\u00e1rj\u00e1val v\u00e9gig gondolnia a fentieket \u00e9s az alapj\u00e1n eld\u00f6ntenie, hogy belev\u00e1g-e vagy sem. Ha ehhez seg\u00edts\u00e9gre van sz\u00fcks\u00e9ge, mert ez vagy az a r\u00e9sze nem egy\u00e9rtelm\u0171 sz\u00e1m\u00e1ra, akkor sz\u00edvesen seg\u00edt\u00fcnk ennek \u00e1tgondol\u00e1s\u00e1ban, megtervez\u00e9s\u00e9ben.<\/h6>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mi az a CSOK Plusz? A CSOK Plusz egy 2024. janu\u00e1r 1-t\u0151l ig\u00e9nyelhet\u0151 kedvezm\u00e9nyes kamatoz\u00e1s\u00fa, t\u00e1mogatott lak\u00e1shitel, melyhez lak\u00e1shitel elenged\u00e9s \u00e9s illet\u00e9kmentess\u00e9g kapcsol\u00f3dhat. Gyors \u00f6sszefoglal\u00f3 Milyen jogszab\u00e1lyokon alapszik a CSOK Plusz? Els\u0151sorban az \u0151t bevezet\u0151 korm\u00e1nyrendeleten: 518\/2023 (XI.30.) korm\u00e1nyrendelet (a tov\u00e1bbiakban a rendelet) a csal\u00e1dok otthonteremt\u00e9s\u00e9t t\u00e1mogat\u00f3 kedvezm\u00e9nyes CSOK Plusz hitelprogramr\u00f3l. M\u00e1sodsorban, mint hitelre, vonatkozik [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-289","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/289","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/comments?post=289"}],"version-history":[{"count":150,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/289\/revisions"}],"predecessor-version":[{"id":2552,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/289\/revisions\/2552"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}