{"id":31,"date":"2024-05-14T12:25:46","date_gmt":"2024-05-14T12:25:46","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=31"},"modified":"2026-03-26T16:38:37","modified_gmt":"2026-03-26T16:38:37","slug":"hitelfelveteli-szolgaltatasok","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/okoshitel-hitelkozvetites\/hitelfelveteli-szolgaltatasok\/","title":{"rendered":"Hitelfelv\u00e9teli szolg\u00e1ltat\u00e1sok"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"31\" class=\"elementor elementor-31\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-067624d e-flex e-con-boxed e-con e-parent\" data-id=\"067624d\" 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-5fb350d elementor-widget elementor-widget-heading\" data-id=\"5fb350d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Hitelfelv\u00e9teli szolg\u00e1ltat\u00e1sok<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d9fe9 elementor-widget elementor-widget-text-editor\" data-id=\"10d9fe9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mi a magunk r\u00e9sz\u00e9r\u0151l tev\u00e9kenys\u00e9g\u00fcnkre legsz\u00edvesebben a hitelk\u00f6zvet\u00edt\u00e9s sz\u00f3t haszn\u00e1ljuk. N\u00e9zet\u00fcnk szerint ez fejezi ki a legpontosabban tev\u00e9kenys\u00e9g\u00fcnk l\u00e9nyeg\u00e9t, a hitelt keres\u0151 \u00e9s a hitelt k\u00edn\u00e1l\u00f3 felek szerz\u0151d\u00e9sig t\u00f6rt\u00e9n\u0151 eljuttat\u00e1s\u00e1t.<\/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-01b500f e-flex e-con-boxed e-con e-parent\" data-id=\"01b500f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9a6bb2d e-con-full e-flex e-con e-child\" data-id=\"9a6bb2d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0d05ec elementor-widget elementor-widget-text-editor\" data-id=\"d0d05ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A hitelk\u00f6zvet\u00edt\u00e9st mi k\u00e9t nagy f\u00e1zisra bontjuk: hiteltan\u00e1csad\u00e1sra \u00e9s hitel\u00fcgyint\u00e9z\u00e9sre vagy lebonyol\u00edt\u00e1sra.<\/p><p>\u00c9p\u00edt\u00e9si p\u00e9ld\u00e1val \u00e9lve az el\u0151bbi a tervez\u00e9s, kiv\u00e1laszt\u00e1s, az ut\u00f3bbi a kivitelez\u00e9s, megval\u00f3s\u00edt\u00e1s.<\/p><p><strong>Ha sz\u00e9tn\u00e9z a piacon, akkor a fenti fogalmak alapj\u00e1n a k\u00f6vetkez\u0151 k\u00f6zvet\u00edt\u0151i hitelfelv\u00e9teli szolg\u00e1ltat\u00e1sokkal (hitelk\u00f6zvet\u00edt\u0151i modellekkel) fog tal\u00e1lkozni:<\/strong><\/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-f8b972c e-con-full e-flex e-con e-child\" data-id=\"f8b972c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-865514b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"865514b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">1. els\u0151sorban a tan\u00e1csad\u00e1sra alapozott<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">2. els\u0151sorban az \u00fcgyint\u00e9z\u00e9sre alapozott<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3. tan\u00e1csad\u00e1sra \u00e9s \u00fcgyint\u00e9z\u00e9sre alapozott<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-4762eb2 e-flex e-con-boxed e-con e-parent\" data-id=\"4762eb2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8fbbbc1 e-con-full e-flex e-con e-child\" data-id=\"8fbbbc1\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4afe123 e-con-full e-flex e-con e-child\" data-id=\"4afe123\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fc6aa6 elementor-widget elementor-widget-heading\" data-id=\"4fc6aa6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Csak tan\u00e1csad\u00f3k<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7dfd35 elementor-widget elementor-widget-text-editor\" data-id=\"f7dfd35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Az a) csoportba tartoz\u00f3kat onnan ismerheti fel, hogy nekik csak az a l\u00e9nyeg, hogy az \u0151 nev\u00fck alatt \u00e1lljon \u00f6ssze valahogy valamelyik bankn\u00e1l az \u00d6n hitelk\u00e9relme \u00e9s az ker\u00fclj\u00f6n be a fi\u00f3kba, azt\u00e1n r\u00e9sz\u00fckr\u0151l a f\u00e1kly\u00e1s menet onnant\u00f3l, mert akkor kezd\u0151dik a macer\u00e1s szakasz, \u00fagyhogy azzal m\u00e1r bajl\u00f3djon sz\u00e9pen \u00d6n \u00e9s a fi\u00f3k egy\u00fcttesen. Honnan ismerheti fel az ilyen t\u00edpust? K\u00e9rdezze meg, hogy mit is v\u00e1llal pontosan! Vagy n\u00e9zze \u00e1t al\u00e1\u00edr\u00e1s el\u0151tt a megb\u00edz\u00e1si szerz\u0151d\u00e9s\u00e9t, hogy pontosan mire is terjed az ki! Ha nincsen benne vagy nincsen egy\u00e9rtelm\u0171en benne, hogy az \u00fcgyint\u00e9z\u00e9sre is kiterjed a hitelfelv\u00e9teli szolg\u00e1ltat\u00e1s, akkor kezdjen el er\u0151sen gyanakodni, mert k\u00f6nnyen lehet, hogy akkor fogja utolj\u00e1ra l\u00e1tni a k\u00f6zvet\u00edt\u0151j\u00e9t, amikor \u00e1tadja neki a hitelk\u00e9relmi csomagj\u00e1t, ut\u00e1na se telefon, se email\u2026<\/p><p>Mondjuk az ilyenekn\u00e9l ne vegye k\u00e9szp\u00e9nznek azt sem, amit a tan\u00e1csad\u00e1s sor\u00e1n hallott t\u0151l\u00fck, hiszen nagy az es\u00e9lye annak, hogy ha az id\u0151ig\u00e9nyesebb \u00fcgyint\u00e9z\u00e9ssel nem akarnak m\u00e1r foglalkozni, akkor a tan\u00e1csad\u00e1suk sem volt a helyzet magaslat\u00e1n\u2026Mi\u00e9rt is? Csak az\u00e9rt, mert aki nem v\u00e1llalja az \u00e1ltala kimunk\u00e1lt aj\u00e1nlatok egyik\u00e9nek korrekt v\u00e9gig vitel\u00e9t, az vajon mennyire \u00e9rez felel\u0151ss\u00e9get az\u00e9rt, hogy amit letett az asztalra, az t\u00e9nylegesen is meg fog-e, meg tud-e val\u00f3sulni? M\u00e9g akkor is igaz ez, ha meghi\u00fasul\u00e1s eset\u00e9n elesik \u0151 is a bev\u00e9telt\u0151l. Ez a t\u00edpus a lehet\u0151 legkisebb f\u00e1radts\u00e1ggal akar a lehet\u0151 legt\u00f6bbet keresni, \u00d6n\u00f6n, de an\u00e9lk\u00fcl, hogy t\u00f6r\u0151dne azzal, hogy \u00d6nnek mi lenne a legjobb!<\/p><p>T\u00f6bb fi\u00f3kvezet\u0151 partner\u00fcnk is mes\u00e9lte m\u00e1r, hogy ez a t\u00edpus\u00fa k\u00f6zvet\u00edt\u0151 sokszor m\u00e9g arra is k\u00e9ptelen, hogy egy hib\u00e1tlan kalkul\u00e1ci\u00f3t \u00f6ssze\u00e1ll\u00edtson \u00d6nnek, ez\u00e9rt ink\u00e1bb ell\u00e1togat a fi\u00f3kba \u00e9s ott k\u00e9r pap\u00edr alapon (!) kalkul\u00e1ci\u00f3t \u00e9s az alapj\u00e1n ad \u201eaj\u00e1nlatot\u201d \u00d6nnek is, ami praktikusan annyit tesz, hogy a fi\u00f3k \u00e1ltal kinyomtatott aj\u00e1nlatot leteszi \u00d6nnek az asztalra \u00e9s ha k\u00e9pes volt t\u00f6bbet is \u00f6sszeszedni, elkezdi valamelyiket dics\u00e9rni. M\u00e1sik ismertet\u0151 jele, hogy miut\u00e1n megkapta az \u00fcgy\u00e9t, az\u00e9rt l\u00e1togat el a fi\u00f3kba, mert csak begy\u0171jt\u00f6tt p\u00e1r al\u00e1\u00edr\u00e1st a nyomtatv\u00e1nyokra, s a \u201emarad\u00e9k\u201d kit\u00f6lt\u00e9s\u00e9t a fi\u00f3kra b\u00edzza.<br \/>De a legszebb gyakorlat az egyik legnagyobb h\u00e1l\u00f3zatn\u00e1l dolgozott volt koll\u00e9gan\u0151m elmond\u00e1sa szerint az volt, hogy azt v\u00e1rt\u00e1k el t\u0151l\u00fck, hogy egy \u00f3r\u00e1n bel\u00fcl jussanak el a bemutatkoz\u00e1st\u00f3l a pap\u00edrok t\u00f6lt\u00f6get\u00e9s\u00e9ig, amiket ut\u00e1na nyomban adjanak is le a fi\u00f3knak \u00e9s szaladjanak gyorsan tov\u00e1bb a k\u00f6vetkez\u0151 \u00fcgyf\u00e9lhez \u201etan\u00e1csot\u201d adni\u2026.<\/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<div class=\"elementor-element elementor-element-6e0a1a2 e-con-full e-flex e-con e-child\" data-id=\"6e0a1a2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a78f1e elementor-widget elementor-widget-image\" data-id=\"3a78f1e\" 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=\"790\" height=\"436\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/08\/Reteg-14.jpg\" class=\"attachment-large size-large wp-image-720\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/08\/Reteg-14.jpg 790w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/08\/Reteg-14-300x166.jpg 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/08\/Reteg-14-768x424.jpg 768w\" sizes=\"(max-width: 790px) 100vw, 790px\" \/>\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-614c09f elementor-widget elementor-widget-heading\" data-id=\"614c09f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Csak \u00fcgyint\u00e9z\u0151k<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a02146 elementor-widget elementor-widget-text-editor\" data-id=\"3a02146\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Kicsit jobb tal\u00e1n a helyzet a csak \u00fcgyint\u00e9z\u00e9ssel foglalkoz\u00f3 k\u00f6zvet\u00edt\u0151kn\u00e9l, mert \u0151k legal\u00e1bb arra ford\u00edtanak az\u00e9rt figyelmet, hogy effekt\u00edve legyen is hitel abb\u00f3l, amit elkezdenek. \u0150k jellemz\u0151en csak egy vagy kev\u00e9s bankkal dolgoznak, ez\u00e9rt t\u0151l\u00fck ne v\u00e1rjon objekt\u00edv tan\u00e1csad\u00e1st, \u0151k azt fogj\u00e1k tudni csak dics\u00e9rni, amij\u00fck \u00e9ppen van. \u0150k sok esetben \u00fan. f\u00fcgg\u0151 k\u00f6zvet\u00edt\u0151k, ami annyit tesz, hogy csak egy banknak dolgoznak vagy \u00e9ppen kor\u00e1bban alkalmazottk\u00e9nt vagy \u00fan. mobilbank\u00e1rk\u00e9nt ott dolgoztak \u00e9s nagyon ismerik a j\u00e1r\u00e1st. Vel\u00fck akkor j\u00e1r j\u00f3l, ha pont azt a bankot ismerik j\u00f3l, amelyiket objekt\u00edve \u00d6nnek is \u00e9rdemes v\u00e1lasztania, de arra ne t\u0151l\u00fck v\u00e1rjon f\u00fcggetlen v\u00e1laszt, hogy vajon amivel \u0151k dolgoznak, az \u00d6nnek a legjobb-e?<br \/>Honnan lehet \u0151ket felismerni? Ha korrekten \u00e9s t\u00f6rv\u00e9nyesen dolgoznak, akkor egyb\u0151l fel kell, hogy fedj\u00e9k f\u00fcgg\u0151 mivoltukat \u00e9s meg kell nevezni\u00fck, hogy melyik bankot k\u00e9pviselik. Ha nem korrektek vagy ezt igyekeznek elhallgatni \u00e9s f\u00fcggetlen tan\u00e1csad\u00f3 l\u00e1tszat\u00e1t kelteni, akkor pedig egyszer\u0171en kezdje el \u0151ket tesztelni 1-2, tetsz\u0151legesen kiv\u00e1lasztott bankb\u00f3l \u00e9s hamar fel fogja ismerni, hogy melyiket ismerik t\u00e9nylegesen \u00e9s melyikr\u0151l vannak csak fel\u00fcletes ismereteik.<\/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-0b4ae7f e-flex e-con-boxed e-con e-parent\" data-id=\"0b4ae7f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f689cb e-con-full e-flex e-con e-child\" data-id=\"5f689cb\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e14f2 elementor-widget elementor-widget-heading\" data-id=\"c1e14f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tan\u00e1csad\u00f3k \u00e9s \u00fcgyint\u00e9z\u0151k egyben (azaz 2 in 1!)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b008fa elementor-widget elementor-widget-text-editor\" data-id=\"4b008fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V\u00e9g\u00fcl a c) csoportba tartoz\u00f3k egyes\u00edtik magukban mindazt, amit \u00d6nnek mi hitelk\u00f6zvet\u00edt\u00e9s c\u00edm\u00e9n is k\u00edn\u00e1lunk: vagyis objekt\u00edv, alapos tan\u00e1csad\u00e1st \u00e9s ut\u00e1na a bankok \u00e1ltal k\u00edn\u00e1lt lehet\u0151s\u00e9gekhez k\u00e9pest korrekt \u00fcgyint\u00e9z\u00e9st a folyamat v\u00e9g\u00e9ig, azaz hitele foly\u00f3s\u00edt\u00e1s\u00e1ig.<\/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-1cd52aa e-flex e-con-boxed e-con e-parent\" data-id=\"1cd52aa\" 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-931fe3c elementor-widget elementor-widget-heading\" data-id=\"931fe3c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mindh\u00e1rom modelln\u00e9l vannak j\u00f3k \u00e9s rosszak is, ezekr\u0151l a <a href=\"\/#tanfolyam\" style=\"text-decoration: underline\">Hitel felk\u00e9sz\u00edt\u0151 tanfolyamunkban <\/a>k\u00fcl\u00f6n is \u00edrunk a k\u00f6vetkez\u0151 r\u00e9szekben:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6ffe7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5d6ffe7\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">1. Mikor fizessen a k\u00f6zvet\u00edt\u0151nek?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">2. Mir\u0151l ismeri fel a hozz\u00e1 nem \u00e9rt\u0151 hitelk\u00f6zvet\u00edt\u0151ket?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3. Mit\u0151l j\u00f3 egy hitelk\u00f6zvet\u00edt\u0151 \u00e9s mir\u0151l ismeri \u0151t fel?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">4. Hitel\u00fcgyn\u00f6k, hitelk\u00f6zvet\u00edt\u0151, p\u00e9nz\u00fcgyi tan\u00e1csad\u00f3, hiteltan\u00e1csad\u00f3, hitel\u00fcgyint\u00e9z\u0151, f\u00fcgg\u0151 \u00fcgyn\u00f6k, t\u00f6bbes f\u00fcggetlen k\u00f6zvet\u00edt\u0151, alkusz: ki kicsoda a hitelpiacon?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-2611d40 e-flex e-con-boxed e-con e-parent\" data-id=\"2611d40\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e8e37a e-con-full e-flex e-con e-child\" data-id=\"5e8e37a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6c70b5 elementor-widget elementor-widget-heading\" data-id=\"d6c70b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TAN\u00c1CSAD\u00c1S \u00e9s LEBONYOL\u00cdT\u00c1S<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f5c12f e-con-full e-flex e-con e-child\" data-id=\"0f5c12f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98fc08e elementor-widget elementor-widget-heading\" data-id=\"98fc08e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">01<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb333b elementor-widget elementor-widget-text-editor\" data-id=\"6eb333b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\taz \u00d6n ig\u00e9nyeinek felm\u00e9r\u00e9s\u00e9t k\u00f6vet\u0151en szem\u00e9lyre szabott hitelaj\u00e1nlatok k\u00e9sz\u00edt\u00e9se, azok r\u00e9szletes ismertet\u00e9se; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8aa894e e-con-full e-flex e-con e-child\" data-id=\"8aa894e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d363405 elementor-widget elementor-widget-heading\" data-id=\"d363405\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">02<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9db010 elementor-widget elementor-widget-text-editor\" data-id=\"c9db010\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\ta kiv\u00e1lasztott bank \u00e9s term\u00e9k ig\u00e9nyl\u00e9s\u00e9hez sz\u00fcks\u00e9ges dokument\u00e1ci\u00f3 szem\u00e9lyre szabott ellen\u0151rz\u0151 list\u00e1j\u00e1nak \u00f6ssze\u00e1ll\u00edt\u00e1sa; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-460a6c5 e-con-full e-flex e-con e-child\" data-id=\"460a6c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-357087a elementor-widget elementor-widget-heading\" data-id=\"357087a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">03<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fcd7d4 elementor-widget elementor-widget-text-editor\" data-id=\"4fcd7d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\ta sz\u00fcks\u00e9ges banki nyomtatv\u00e1nyok \u00e1tad\u00e1sa vagy megk\u00fcld\u00e9se; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-324ebac e-con-full e-flex e-con e-child\" data-id=\"324ebac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65a899d elementor-widget elementor-widget-heading\" data-id=\"65a899d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">04<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248e485 elementor-widget elementor-widget-text-editor\" data-id=\"248e485\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\ta hitelfelv\u00e9telhez kapcsol\u00f3d\u00f3 egy\u00e9b jogi dokumentumok (ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s, haszn\u00e1lat-megoszt\u00e1si meg\u00e1llapod\u00e1s, h\u00e1zast\u00e1rsi vagyonmegoszt\u00e1si szerz\u0151d\u00e9s stb.) v\u00e9lem\u00e9nyez(tet)\u00e9se; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b33622 e-con-full e-flex e-con e-child\" data-id=\"3b33622\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-792fad9 elementor-widget elementor-widget-heading\" data-id=\"792fad9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">05<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-069eb69 elementor-widget elementor-widget-text-editor\" data-id=\"069eb69\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tf\u00f6ldhivatali \u00fcgyint\u00e9z\u00e9s (tulajdoni lap, t\u00e9rk\u00e9pm\u00e1solat kik\u00e9r\u00e9se, elk\u00e9sz\u00fclt szerz\u0151d\u00e9sek \u00e9rkeztet\u00e9se stb.); \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d0ead3 e-con-full e-flex e-con e-child\" data-id=\"9d0ead3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-098ffb9 elementor-widget elementor-widget-heading\" data-id=\"098ffb9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">06<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0dae84 elementor-widget elementor-widget-text-editor\" data-id=\"a0dae84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\taz \u00f6sszegy\u0171jt\u00f6tt iratok \u00e1ttekint\u00e9se, az el\u0151\u00edrt nyomtatv\u00e1nyok megfelel\u0151 kit\u00f6lt\u00e9s\u00e9ben val\u00f3 k\u00f6zrem\u0171k\u00f6d\u00e9s; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-252872c e-con-full e-flex e-con e-child\" data-id=\"252872c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b55aa elementor-widget elementor-widget-heading\" data-id=\"b3b55aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">07<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c792c95 elementor-widget elementor-widget-text-editor\" data-id=\"c792c95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\ta k\u00e9sz hitelk\u00e9relmi dokument\u00e1ci\u00f3 eljuttat\u00e1sa a bankba; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1d36e5 e-con-full e-flex e-con e-child\" data-id=\"b1d36e5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9cd67 elementor-widget elementor-widget-heading\" data-id=\"cf9cd67\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">08<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3feca2b elementor-widget elementor-widget-text-editor\" data-id=\"3feca2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tfolyamatos kapcsolattart\u00e1s a bankfi\u00f3kkal a hitelfelv\u00e9teli folyamat sor\u00e1n;\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d81b80 e-con-full e-flex e-con e-child\" data-id=\"7d81b80\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d55685d elementor-widget elementor-widget-heading\" data-id=\"d55685d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">09<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0339b1 elementor-widget elementor-widget-text-editor\" data-id=\"e0339b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tt\u00e1j\u00e9koztat\u00e1s a fontosabb fejlem\u00e9nyekr\u0151l (\u00e9rt\u00e9kbecsl\u00e9s eredm\u00e9ny\u00e9r\u0151l, hi\u00e1nyp\u00f3tl\u00e1sokr\u00f3l, v\u00e1laszt\u00e1si lehet\u0151s\u00e9gekr\u0151l, d\u00f6nt\u00e9si helyzetekr\u0151l stb.); \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42d8cd3 e-con-full e-flex e-con e-child\" data-id=\"42d8cd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dae8714 elementor-widget elementor-widget-heading\" data-id=\"dae8714\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">10<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0aa281 elementor-widget elementor-widget-text-editor\" data-id=\"a0aa281\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tszerz\u0151d\u00e9sk\u00f6t\u00e9s megszervez\u00e9se; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b092fa3 e-con-full e-flex e-con e-child\" data-id=\"b092fa3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e9a0bd elementor-widget elementor-widget-heading\" data-id=\"6e9a0bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">11<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6db7dc5 elementor-widget elementor-widget-text-editor\" data-id=\"6db7dc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tk\u00f6zjegyz\u0151n\u00e9l t\u00f6rt\u00e9n\u0151 id\u0151pontfoglal\u00e1s, kapcsolattart\u00e1s; \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a13d99b e-con-full e-flex e-con e-child\" data-id=\"a13d99b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a9d64 elementor-widget elementor-widget-heading\" data-id=\"a9a9d64\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">12<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50050cc elementor-widget elementor-widget-text-editor\" data-id=\"50050cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tfoly\u00f3s\u00edt\u00e1si felt\u00e9telek teljes\u00edt\u00e9s\u00e9ben val\u00f3 k\u00f6zrem\u0171k\u00f6d\u00e9s (f\u00f6ldhivatali \u00fcgyint\u00e9z\u00e9s; lak\u00e1sv\u00e1s\u00e1rl\u00e1s eset\u00e9n ig\u00e9ny szerint lak\u00e1sbiztos\u00edt\u00e1s megk\u00f6t\u00e9se; k\u00f6zokirat-\u00e9s egy\u00e9b foly\u00f3s\u00edt\u00e1shoz sz\u00fcks\u00e9ges dokumentumok tov\u00e1bb\u00edt\u00e1sa a bankba); \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-540482b e-con-full e-flex e-con e-child\" data-id=\"540482b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9da229 elementor-widget elementor-widget-heading\" data-id=\"b9da229\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">13<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3536025 elementor-widget elementor-widget-text-editor\" data-id=\"3536025\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tv\u00e9g\u00fcl t\u00e1j\u00e9koztat\u00e1s a foly\u00f3s\u00edt\u00e1s megt\u00f6rt\u00e9nt\u00e9r\u0151l. \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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mi a magunk r\u00e9sz\u00e9r\u0151l tev\u00e9kenys\u00e9g\u00fcnkre legsz\u00edvesebben a hitelk\u00f6zvet\u00edt\u00e9s sz\u00f3t haszn\u00e1ljuk. N\u00e9zet\u00fcnk szerint ez fejezi ki a legpontosabban tev\u00e9kenys\u00e9g\u00fcnk l\u00e9nyeg\u00e9t, a hitelt keres\u0151 \u00e9s a hitelt k\u00edn\u00e1l\u00f3 felek szerz\u0151d\u00e9sig t\u00f6rt\u00e9n\u0151 eljuttat\u00e1s\u00e1t. A hitelk\u00f6zvet\u00edt\u00e9st mi k\u00e9t nagy f\u00e1zisra bontjuk: hiteltan\u00e1csad\u00e1sra \u00e9s hitel\u00fcgyint\u00e9z\u00e9sre vagy lebonyol\u00edt\u00e1sra. \u00c9p\u00edt\u00e9si p\u00e9ld\u00e1val \u00e9lve az el\u0151bbi a tervez\u00e9s, kiv\u00e1laszt\u00e1s, az ut\u00f3bbi a kivitelez\u00e9s, megval\u00f3s\u00edt\u00e1s. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":23,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-31","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/31","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=31"}],"version-history":[{"count":34,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/31\/revisions"}],"predecessor-version":[{"id":2448,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/31\/revisions\/2448"}],"up":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/23"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}