{"id":41,"date":"2024-05-14T12:27:33","date_gmt":"2024-05-14T12:27:33","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=41"},"modified":"2026-03-10T16:42:05","modified_gmt":"2026-03-10T16:42:05","slug":"lakashitel","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/lakashitel\/","title":{"rendered":"Lak\u00e1shitel"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"41\" class=\"elementor elementor-41\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9da2341 e-flex e-con-boxed e-con e-parent\" data-id=\"9da2341\" 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-3dcd456 elementor-widget elementor-widget-heading\" data-id=\"3dcd456\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Lak\u00e1shitel<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea83a09 elementor-widget elementor-widget-text-editor\" data-id=\"ea83a09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Szinte nincsen olyan ember, aki ne hallott volna m\u00e9g lak\u00e1shitelr\u0151l, teh\u00e1t l\u00e1tsz\u00f3lag egy nagyon sz\u00e9les k\u00f6rben ismert \u00e9s haszn\u00e1lt fogalomr\u00f3l van sz\u00f3. A pontos hitelez\u00e9si sz\u00f3haszn\u00e1lat miatt itt mi most k\u00fcl\u00f6n is kit\u00e9r\u00fcnk azonban a lak\u00e1shitel meghat\u00e1roz\u00e1s\u00e1ra.<\/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-c4798ad e-flex e-con-boxed e-con e-parent\" data-id=\"c4798ad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-807d9fb e-con-full e-flex e-con e-child\" data-id=\"807d9fb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cd7ecb elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1cd7ecb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A lak\u00e1shitel l\u00e9nyege valamilyen lak\u00e1shoz kapcsol\u00f3d\u00f3 finansz\u00edroz\u00e1si sz\u00fcks\u00e9glet kiel\u00e9g\u00edt\u00e9se.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf061aa elementor-widget elementor-widget-text-editor\" data-id=\"cf061aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ebb\u0151l k\u00f6vetkez\u0151en nem csup\u00e1n lak\u00e1sv\u00e1s\u00e1rl\u00e1s eset\u00e9n besz\u00e9lhet\u00fcnk lak\u00e1shitelr\u0151l, hanem minden egy\u00e9b, lak\u00e1shoz kapcsol\u00f3d\u00f3 beruh\u00e1z\u00e1s eset\u00e9n is: azaz lak\u00e1s vagy h\u00e1z \u00e9p\u00edt\u00e9sekor, b\u0151v\u00edt\u00e9sekor, korszer\u0171s\u00edt\u00e9sekor \u00e9s fel\u00faj\u00edt\u00e1sakor. Ide tartoznak a telekv\u00e1s\u00e1rl\u00e1sra felvehet\u0151 hitelek is. Kakukktoj\u00e1s ugyan egy kicsit ezekhez k\u00e9pest, de a legt\u00f6bb banknak van lak\u00e1shitelt kiv\u00e1lt\u00f3 lak\u00e1shitele is, teh\u00e1t t\u00e1g \u00e9rtelemben m\u00e9g ezeket is lak\u00e1shitelnek vehetj\u00fck.<\/p><p>A lak\u00e1shitelt t\u00f6bb bankn\u00e1l is lak\u00e1s c\u00e9l\u00fa hitelnek nevezik. Ez egyen\u00e9rt\u00e9k\u0171 a fenti lak\u00e1shitel fogalommal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a868d6b elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a868d6b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/index.php\/hitelkalkulator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kalkul\u00e1lok!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-846428d e-con-full e-flex e-con e-child\" data-id=\"846428d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76fc4ba elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76fc4ba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Melyek a lak\u00e1shitel jellemz\u0151i?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ba1af5 elementor-widget elementor-widget-text-editor\" data-id=\"5ba1af5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A lak\u00e1shitel a jelz\u00e1loghiteleken bel\u00fcl a leggyakrabban elfordul\u00f3 hitelt\u00edpus, r\u00e9szesed\u00e9se az \u00f6sszes jelz\u00e1loghitelen bel\u00fcl hossz\u00fa \u00e9vek \u00f3ta kb. 60%-os. A lak\u00e1shitel nem azonos a jelz\u00e1loghitellel, mert egyr\u00e9szt nem minden lak\u00e1shitel biztos\u00edtott jelz\u00e1logjoggal (ez ritka, de a piacon elfordul\u00f3 eset, term\u00e9szetesen csak kisebb \u00f6sszeg\u0171 esetekben, lak\u00e1stakar\u00e9kokn\u00e1l), m\u00e1sr\u00e9szt jelz\u00e1loghitelnek sz\u00e1m\u00edtanak a hitelkiv\u00e1lt\u00e1si c\u00e9l\u00fa, ad\u00f3ss\u00e1grendez\u0151 \u00e9s szabad felhaszn\u00e1l\u00e1s\u00fa hitelek is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee38838 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ee38838\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A lak\u00e1shitelt - bankt\u00f3l \u00e9s a hitelez\u00e9si piac mindenkori \u00e1llapot\u00e1t\u00f3l f\u00fcggetlen\u00fcl - az \u00f6sszes t\u00f6bbi jelz\u00e1loghitelt\u0151l az al\u00e1bbi h\u00e1rom t\u00e9nyez\u0151 k\u00fcl\u00f6nb\u00f6zteti meg:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6dbea0 elementor-widget elementor-widget-text-editor\" data-id=\"b6dbea0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li>a lak\u00e1shitel eset\u00e9ben \u00e9rheti el mag\u00e1nszem\u00e9lyk\u00e9nt a legmagasabb \u00f6sszeg\u0171 finansz\u00edroz\u00e1st<\/li><li>a lak\u00e1shiteleket kaphatja meg a leghosszabb id\u0151re<\/li><li>\u00e9s mindig a lak\u00e1shitelek ker\u00fclnek a legkevesebbe<\/li><\/ol>\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-56ebba6 e-flex e-con-boxed e-con e-parent\" data-id=\"56ebba6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a5921a e-con-full e-flex e-con e-child\" data-id=\"1a5921a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ac271 elementor-widget elementor-widget-text-editor\" data-id=\"c1ac271\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fenti tulajdons\u00e1gai miatt a lak\u00e1shitel kit\u00fcntetett szerepet \u00e9lvez az els\u0151 lak\u00e1shoz jut\u00e1sban, a nagyobb lak\u00e1sba, esetleg h\u00e1zba k\u00f6lt\u00f6z\u00e9s eset\u00e9n, vagy \u00e9ppen \u00f6r\u00f6kl\u00e9s vagy v\u00e1l\u00e1s eset\u00e9n a t\u00f6bbi tulajdonos r\u00e9sz\u00e9nek megv\u00e1s\u00e1rl\u00e1sakor. Egy j\u00f3l megv\u00e1lasztott lak\u00e1shitel alkalmas arra, hogy az egyszerre jelentkez\u0151 nagy \u00f6sszeg\u0171 p\u00e9nzkiad\u00e1st id\u0151ben biztons\u00e1gosan elossza, mik\u00f6zben pont annyi k\u00f6lts\u00e9get \u00e9s kock\u00e1zatot r\u00f3 csak a felvev\u0151j\u00e9re, mint amennyit felt\u00e9tlen\u00fcl musz\u00e1j.<\/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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Szinte nincsen olyan ember, aki ne hallott volna m\u00e9g lak\u00e1shitelr\u0151l, teh\u00e1t l\u00e1tsz\u00f3lag egy nagyon sz\u00e9les k\u00f6rben ismert \u00e9s haszn\u00e1lt fogalomr\u00f3l van sz\u00f3. A pontos hitelez\u00e9si sz\u00f3haszn\u00e1lat miatt itt mi most k\u00fcl\u00f6n is kit\u00e9r\u00fcnk azonban a lak\u00e1shitel meghat\u00e1roz\u00e1s\u00e1ra. A lak\u00e1shitel l\u00e9nyege valamilyen lak\u00e1shoz kapcsol\u00f3d\u00f3 finansz\u00edroz\u00e1si sz\u00fcks\u00e9glet kiel\u00e9g\u00edt\u00e9se. Ebb\u0151l k\u00f6vetkez\u0151en nem csup\u00e1n lak\u00e1sv\u00e1s\u00e1rl\u00e1s eset\u00e9n besz\u00e9lhet\u00fcnk lak\u00e1shitelr\u0151l, hanem [&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-41","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/41","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=41"}],"version-history":[{"count":21,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/41\/revisions"}],"predecessor-version":[{"id":2344,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/41\/revisions\/2344"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=41"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}