{"id":45,"date":"2024-05-14T12:28:27","date_gmt":"2024-05-14T12:28:27","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=45"},"modified":"2026-01-07T11:19:30","modified_gmt":"2026-01-07T11:19:30","slug":"lakasvasarlasi-hitel-altalanos-jellemzoi","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/lakasvasarlasi-hitel-altalanos-jellemzoi\/","title":{"rendered":"Lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel \u00e1ltal\u00e1nos jellemz\u0151i"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"45\" class=\"elementor elementor-45\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c43a4 e-flex e-con-boxed e-con e-parent\" data-id=\"f8c43a4\" 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-f45e23e elementor-widget elementor-widget-heading\" data-id=\"f45e23e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel \u00e1ltal\u00e1nos jellemz\u0151i<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbd1dbf elementor-widget elementor-widget-text-editor\" data-id=\"fbd1dbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00d6sszeszedt\u00fck a leggyakrabban felmer\u00fcl\u0151 k\u00e9rd\u00e9seket \u00e9s fogalmakat!<\/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-ec33268 e-flex e-con-boxed e-con e-parent\" data-id=\"ec33268\" 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-5ca64bd e-con-full e-flex e-con e-child\" data-id=\"5ca64bd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1b2404 elementor-widget elementor-widget-n-accordion\" data-id=\"a1b2404\" 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-1690\" 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-1690\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1) R\u00e9sz vagy teljes tulajdonszerz\u00e9shez is lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel kell <\/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-1690\" class=\"elementor-element elementor-element-0bee730 e-con-full e-flex e-con e-child\" data-id=\"0bee730\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1690\" class=\"elementor-element elementor-element-b8102a2 e-flex e-con-boxed e-con e-child\" data-id=\"b8102a2\" 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-5228e9c elementor-widget elementor-widget-text-editor\" data-id=\"5228e9c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c1ltal\u00e1ban a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l a kiszemelt ingatlan teljes, 100%-os tulajdon\u00e1t szerzik meg a vev\u0151k.<\/p><p>Gyakori azonban az is, amikor \u00f6r\u00f6kl\u00e9s, aj\u00e1nd\u00e9koz\u00e1s vagy v\u00e1l\u00e1s sor\u00e1n az egyik r\u00e9sztulajdonos v\u00e1s\u00e1rolja ki a m\u00e1sikat. Minden ilyen tranzakci\u00f3 finansz\u00edroz\u00e1sa is lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l t\u00f6rt\u00e9nhet azzal az elt\u00e9r\u00e9ssel, hogy ilyenkor a m\u00e1r megl\u00e9v\u0151 tulajdoni h\u00e1nyad kv\u00e1zi \u00f6ner\u0151nek sz\u00e1m\u00edt. Ilyenkor a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel \u00f6sszege el\u00e9rheti az ad\u00e1sv\u00e9teliben szerepl\u0151 v\u00e9tel\u00e1rat is! De term\u00e9szetesen itt sem haladhatja azt meg. Teh\u00e1t ha egy v\u00e1l\u00f3f\u00e9lben l\u00e9v\u0151 p\u00e1r egyik tagja meg k\u00edv\u00e1nja venni a m\u00e1sik f\u00e9l \u00bd tulajdoni h\u00e1nyad\u00e1t, de m\u00e9g m\u00e1st is ki kell fizetnie neki, akkor az m\u00e1r nem fog menni lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l, csak valami m\u00e1sb\u00f3l, mert a hitel\u00f6sszeg meghaladn\u00e1 ebben az esetben a v\u00e9tel\u00e1rat.<\/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-a81cfb6 elementor-widget elementor-widget-n-accordion\" data-id=\"a81cfb6\" 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-1760\" 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-1760\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2) Kell hozz\u00e1 egy ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s <\/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-1760\" class=\"elementor-element elementor-element-1a80d68 e-con-full e-flex e-con e-child\" data-id=\"1a80d68\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1760\" class=\"elementor-element elementor-element-fc02769 e-flex e-con-boxed e-con e-child\" data-id=\"fc02769\" 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-991a00f elementor-widget elementor-widget-text-editor\" data-id=\"991a00f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nincsen lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s n\u00e9lk\u00fcl. Ez a jogi form\u00e1ja minden \u00fan. visszterhes tulajdonjog szerz\u00e9snek, teh\u00e1t amikor ellen\u00e9rt\u00e9k fej\u00e9ben szerez tulajdont. Ezzel egy tekintet al\u00e1 esik a h\u00e1zast\u00e1rsi vagyonjogi meg\u00e1llapod\u00e1s is, amit h\u00e1zas felek k\u00f6tnek egym\u00e1ssal. Ha ez szolg\u00e1l az egym\u00e1s k\u00f6z\u00f6tti tulajdoni viszonyok rendez\u00e9s\u00e9nek alapj\u00e1ul, akkor ezt is finansz\u00edrozni tudja a bank lak\u00e1sv\u00e1s\u00e1rl\u00e1si 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 class=\"elementor-element elementor-element-a28072c elementor-widget elementor-widget-n-accordion\" data-id=\"a28072c\" 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\"> 3) Milyen t\u00edpus\u00fa ad\u00e1sv\u00e9teli szerz\u0151d\u00e9sek vannak? <\/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-78d7ac3 e-con-full e-flex e-con e-child\" data-id=\"78d7ac3\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1700\" class=\"elementor-element elementor-element-8c9d14a e-flex e-con-boxed e-con e-child\" data-id=\"8c9d14a\" 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-71b0330 elementor-widget elementor-widget-text-editor\" data-id=\"71b0330\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Az \u00fan. tulajdonjog fenntart\u00e1sos \u00e9s \u00fan. f\u00fcgg\u0151ben tart\u00e1sos ad\u00e1sv\u00e9teli szerz\u0151d\u00e9sek egyike volt sz\u00fcks\u00e9ges a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel l\u00e9trej\u00f6tt\u00e9hez 2025. janu\u00e1r 15-ig, az \u00faj ingatlan-nyilv\u00e1ntart\u00e1si t\u00f6rv\u00e9ny hat\u00e1lyba l\u00e9p\u00e9s\u00e9ig.<\/p><p>Helyett\u00fck a tulajdonjog-fenntart\u00e1shoz kapcsol\u00f3d\u00f3 vev\u0151i jog bejegyz\u00e9se v\u00e1lt lehet\u0151v\u00e9, hat\u00e1rozott vagy hat\u00e1rozatlan id\u0151tartamra.<\/p><p>Amennyiben a tulajdonjog-fenntart\u00e1shoz kapcsol\u00f3d\u00f3 vev\u0151i jog hat\u00e1rozatlan id\u0151tartamra ker\u00fclt kik\u00f6t\u00e9sre, majd bejegyz\u00e9sre, \u00fagy<\/p><ul><li>a vev\u0151i jog bejegyz\u00e9se ir\u00e1nti k\u00e9relem beny\u00fajt\u00e1s\u00e1t\u00f3l sz\u00e1m\u00edtott 6 (hat) h\u00f3napos hat\u00e1rid\u0151 eltelt\u00e9ig a rangsorban k\u00f6vetkez\u0151 beadv\u00e1nyok int\u00e9z\u00e9s\u00e9t \u2013 \u00edgy a bankok \u00f6n\u00e1ll\u00f3 z\u00e1logjog \u00e9s elidegen\u00edt\u00e9si \u00e9s terhel\u00e9si tilalom (ETT) bejegyz\u00e9s ir\u00e1nti k\u00e9relm\u00e9t is \u2013 a hat\u00f3s\u00e1g felf\u00fcggeszti,<\/li><li>a 6 (hat) h\u00f3nap eltelt\u00e9t k\u00f6vet\u0151en pedig a bejegyz\u00e9s hat\u00e1lya azonos a szerz\u0151d\u00e9sen alapul\u00f3 elidegen\u00edt\u00e9si \u00e9s terhel\u00e9si tilalom hat\u00e1ly\u00e1val, vagyis szerz\u0151d\u00e9sen alapul\u00f3 tov\u00e1bbi jogokat csak a vev\u0151i jog jogosultj\u00e1nak hozz\u00e1j\u00e1rul\u00e1s\u00e1val lehet bejegyezni. Fontos azonban azzal is sz\u00e1molni, hogy az elad\u00f3val szembeni, nem szerz\u0151d\u00e9sen alapul\u00f3 jogok, \u00edgy p\u00e9ld\u00e1ul a v\u00e9grehajt\u00e1si jog ekkor is bejegyezhet\u0151 az ingatlanra (mivel az nem szerz\u0151d\u00e9sen alapul, hanem hat\u00f3s\u00e1gi v\u00e9gz\u00e9sen).<\/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-b80b300 elementor-widget elementor-widget-n-accordion\" data-id=\"b80b300\" 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-1920\" 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-1920\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4) El lehet-e ind\u00edtani a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelt ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s n\u00e9lk\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-1920\" class=\"elementor-element elementor-element-c844a07 e-con-full e-flex e-con e-child\" data-id=\"c844a07\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1920\" class=\"elementor-element elementor-element-fd1ae91 e-flex e-con-boxed e-con e-child\" data-id=\"fd1ae91\" 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-8e5e857 elementor-widget elementor-widget-text-editor\" data-id=\"8e5e857\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Van bank, ahol igen, van, ahol nem. Ez f\u0151leg akkor szokott el\u0151j\u00f6nni, ha ki van sz\u00e1m\u00edtva nagyon a k\u00e9rt lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel\u00f6sszeg \u00e9s az eg\u00e9sz ad\u00e1sv\u00e9tel siker\u00e9t nagy m\u00e9rt\u00e9kben befoly\u00e1solja a finansz\u00edroz\u00e1s, aminek els\u0151 l\u00e9p\u00e9se egy megfelel\u0151 \u00e9rt\u00e9kbecsl\u00e9si eredm\u00e9ny. T\u00f6bb bank is \u00fagy oldja meg ezt a helyzetet, hogy el\u0151zetesen hajland\u00f3 felbecs\u00fclni az ingatlant megk\u00f6t\u00f6tt ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s n\u00e9lk\u00fcl. Legfeljebb egy ad\u00e1sv\u00e9teli sz\u00e1nd\u00e9knyilatkozatot vagy el\u0151szerz\u0151d\u00e9st k\u00e9r hozz\u00e1.<\/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-1fa71ad elementor-widget elementor-widget-n-accordion\" data-id=\"1fa71ad\" 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-3310\" 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-3310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5) A v\u00e9tel\u00e1r h\u00e1ny %-\u00e1t lehet felvenni lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelk\u00e9nt? <\/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-3310\" class=\"elementor-element elementor-element-b3eec14 e-con-full e-flex e-con e-child\" data-id=\"b3eec14\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3310\" class=\"elementor-element elementor-element-bd4e102 e-flex e-con-boxed e-con e-child\" data-id=\"bd4e102\" 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-b67d617 elementor-widget elementor-widget-text-editor\" data-id=\"b67d617\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A jelenleg hat\u00e1lyos t\u00f6rv\u00e9nyi szab\u00e1lyoz\u00e1s szerint legfeljebb a forgalmi \u00e9rt\u00e9k 80%-a finansz\u00edrozhat\u00f3 lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l, teh\u00e1t 20% \u00f6ner\u0151re mindenk\u00e9ppen sz\u00fcks\u00e9g van a&nbsp;<a href=\"https:\/\/www.okoshitel.hu\/Lakashitel.html\"><strong>lak\u00e1shitel<\/strong><\/a>&nbsp;\u00f6sszege mellett. Honnan j\u00f6n a forgalmi \u00e9rt\u00e9k? Onnan, amit a bank j\u00f3v\u00e1hagy. Teh\u00e1t ne abb\u00f3l induljon ki, hogy a v\u00e9tel\u00e1r 80%-\u00e1t meg fogja kapni hitelben is, mert egyr\u00e9szt a bankok t\u00f6bbs\u00e9ge senkinek sem ad ennyit, m\u00e1sr\u00e9szt nem a v\u00e9tel\u00e1r, hanem a bank \u00e1ltal meg\u00e1llap\u00edtott forgalmi \u00e9rt\u00e9k minden sz\u00e1m\u00edt\u00e1s alapja. Mi van akkor, ha \u00e1ron alul veszi az ingatlant? Ilyenkor elvben el\u0151fordulhat, hogy a val\u00f3s piaci \u00e9rt\u00e9k alatt jut hozz\u00e1, emiatt a banki \u00e9rt\u00e9kbecsl\u00e9s is magasabb forgalmi \u00e9rt\u00e9ket fog tartalmazni, mint a v\u00e9tel\u00e1r, s ekkor elvileg t\u00f6bbet is kaphat a 80%-n\u00e1l, de a gyakorlatban ez igen ritka, nem is nagyon tal\u00e1lkoztunk ilyennel az elm\u00falt \u00e9vekben, m\u00e1sr\u00e9szt ilyenkor a legt\u00f6bb bankn\u00e1l automatikusan korrig\u00e1lj\u00e1k a banki \u00e9rt\u00e9kbecsl\u00e9st a val\u00f3s v\u00e9tel\u00e1rhoz. Azaz itt is az \u00f3vatoss\u00e1g elve \u00e9rv\u00e9nyes\u00fcl: ha dr\u00e1g\u00e1n veszi, teh\u00e1t magasabb az ad\u00e1sv\u00e9teliben szerepl\u0151 v\u00e9tel\u00e1r, mint a banki \u00e9rt\u00e9kbecsl\u00e9sben megadott forgalmi \u00e9rt\u00e9k, akkor ez ut\u00f3bbi, ha pedig valamilyen csoda folyt\u00e1n siker\u00fcl nagyon olcs\u00f3n hozz\u00e1jutnia, akkor pedig az ad\u00e1sv\u00e9teliben szerepl\u0151 v\u00e9tel\u00e1r lesz a finansz\u00edroz\u00e1s alapja. Persze itt is van p\u00e1r kiv\u00e9tel\u2026<\/p>\n<p>Ez az alapesetekre igaz, amikor az lesz csak a fedezet, amit vesz. Ha m\u00e1sik ingatlant is fel tud k\u00edn\u00e1lni fedezetnek, akkor ak\u00e1r a v\u00e9tel\u00e1r 100%-a is lehet a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel \u00f6sszege. Ez igaz haszn\u00e1lt- \u00e9s \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1sa eset\u00e9n is. Ugyanez az eset el\u0151fordulhat akkor is, ha teljesen m\u00e1s fedezet mellett vesz ingatlant \u00e9s annak \u00e9rt\u00e9ke elb\u00edrja a teljes v\u00e9tel\u00e1r megfinansz\u00edroz\u00e1s\u00e1t is.<\/p>\n<p>2024 janu\u00e1r 1-t\u0151l bevezetett \u00fajdons\u00e1g a 10%-os \u00f6ner\u0151vel t\u00f6rt\u00e9n\u0151 finansz\u00edroz\u00e1s az al\u00e1bbi felt\u00e9telek fenn\u00e1ll\u00e1sa eset\u00e9n:<\/p>\n<ul>\n<li>\n<p>az ig\u00e9nyl\u0151k egyike sem t\u00f6lt\u00f6tte be a k\u00e9relem befogad\u00e1sakor a 41. \u00e9let\u00e9v\u00e9t \u00e9s<\/p>\n<\/li>\n<li>\n<p>a hitel \u00f6sszege nem haladhatja meg az ingatlan \u2013 bank \u00e1ltal meg\u00e1llap\u00edtott \u2013 forgalmi \u00e9rt\u00e9k\u00e9nek 90%-\u00e1t<\/p>\n<\/li>\n<li>\n<p>egyik ig\u00e9nyl\u0151 sem rendelkezett kor\u00e1bban 50%-ot el\u00e9r\u0151 tulajdoni h\u00e1nyaddal lak\u00e1sban<\/p>\n<\/li>\n<li>\n<p>vagy ha rendelkezett is, akkor a tulajdoni h\u00e1nyad m\u00e9rt\u00e9k\u00e9t\u0151l f\u00fcggetlen\u00fcl csak olyan ingatlanban, amely jogszab\u00e1lyon alapul\u00f3 haszon\u00e9lvezeti joggal terhelt<\/p>\n<\/li>\n<\/ul>\n<p>Teh\u00e1t ez az els\u0151 lak\u00e1sukat megv\u00e1s\u00e1rolni k\u00edv\u00e1n\u00f3 fiataloknak sz\u00f3l\u00f3 lehet\u0151s\u00e9g a fenti felt\u00e9telek teljes\u00fcl\u00e9se eset\u00e9n, teh\u00e1t semmik\u00e9ppen sem automatikusan, b\u00e1rmire, mindenkinek.<\/p>\n<ol start=\"2025\">\n<li>janu\u00e1r 1-t\u0151l pedig \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1s eset\u00e9n megny\u00edlt a lehet\u0151s\u00e9g \u00e9letkort\u00f3l, kor\u00e1bbi lak\u00f3ingatlan tulajdont\u00f3l, az ingatlan \u00e9rt\u00e9k\u00e9t\u0151l f\u00fcggetlen\u00fcl a 10%-os \u00f6ner\u0151 melletti v\u00e1s\u00e1rl\u00e1sra, aminek az a felt\u00e9tele, hogy a lak\u00e1s&nbsp;<em>energetikailag hat\u00e9kony<\/em>&nbsp;legyen. Ennek k\u00fcsz\u00f6b\u00e9rt\u00e9ke<\/li>\n<\/ol>\n<ul>\n<li>az \u00e9vi 68 kWh\/nm energiafogyaszt\u00e1si szint \u00e9s<\/li>\n<li>az A+-os besorol\u00e1s.<\/li>\n<\/ul>\n<p>Haszn\u00e1lt ingatlann\u00e1l ezek akkor sem befoly\u00e1solj\u00e1k a finansz\u00edroz\u00e1st, ha egy\u00e9bk\u00e9nt ezek az \u00e9rt\u00e9kek teljes\u00fclnek (egy bank kiv\u00e9tel\u00e9vel). Mivel a legt\u00f6bb \u00faj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1s m\u00e9g nincs k\u00e9sz, amikor eladj\u00e1k, \u00edgy nem \u00e1llhat rendelkez\u00e9sre r\u00e1 energetikai tan\u00fas\u00edtv\u00e1ny, ez\u00e9rt a tervdokument\u00e1ci\u00f3 r\u00e9sz\u00e9t k\u00e9pez\u0151 \u00fan. energetikai sz\u00e1m\u00edt\u00e1st kell k\u00e9rni a beruh\u00e1z\u00f3t\u00f3l, majd a beruh\u00e1z\u00e1s v\u00e9g\u00e9n, a lak\u00e1s elk\u00e9sz\u00fcl\u00e9sekor m\u00e1r meg lehet csin\u00e1ltatni az energetikai tan\u00fas\u00edtv\u00e1nyt 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-92f5490 elementor-widget elementor-widget-n-accordion\" data-id=\"92f5490\" 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-1540\" 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-1540\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6) Mi sz\u00e1m\u00edt \u00f6ner\u0151nek? <\/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-1540\" class=\"elementor-element elementor-element-d0108b4 e-con-full e-flex e-con e-child\" data-id=\"d0108b4\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1540\" class=\"elementor-element elementor-element-0879369 e-flex e-con-boxed e-con e-child\" data-id=\"0879369\" 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-21b6b5f elementor-widget elementor-widget-text-editor\" data-id=\"21b6b5f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Norm\u00e1l, idegen szem\u00e9lyek k\u00f6z\u00f6tti lak\u00e1sv\u00e1s\u00e1rl\u00e1si hiteln\u00e9l minden szabadon felhaszn\u00e1lhat\u00f3 p\u00e9nzeszk\u00f6z, amir\u0151l az ad\u00e1sv\u00e9teliben eml\u00edt\u00e9st tesznek. Nagyon fontos tudnia, hogy ha marad tartal\u00e9ka vagy m\u00e1sban is van p\u00e9nze, akkor arr\u00f3l ugyan n\u00e9mely bank szeret tudni, de nem ragaszkodik ahhoz, hogy felhaszn\u00e1lja. Teh\u00e1t nem kell att\u00f3l f\u00e9lnie, hogy ha tudom\u00e1st szerez a bank arr\u00f3l, hogy \u00d6nnek m\u00e9g van itt-ott pl. bankbet\u00e9tje, akkor azt k\u00e9nytelen lesz felhaszn\u00e1lni a lak\u00e1sv\u00e1s\u00e1rl\u00e1s sor\u00e1n \u00e9s ennyivel cs\u00f6kken a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel \u00f6sszege (r\u00e9gen a szocpoln\u00e1l ez nem \u00edgy volt!). Ezen fel\u00fcl \u00f6ner\u0151nek sz\u00e1m\u00edt m\u00e9g:<\/p><ul><li>ha van, akkor az \u00f6nkorm\u00e1nyzati vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1s<\/li><li>r\u00e9sztulajdonos kiv\u00e1s\u00e1rl\u00e1sakor a megl\u00e9v\u0151 tulajdoni h\u00e1nyad \u00e9rt\u00e9ke<\/li><li>munk\u00e1ltat\u00f3i t\u00e1mogat\u00e1s<\/li><li>bankf\u00fcgg\u0151en a munk\u00e1ltat\u00f3i hitel \u00f6sszege, ha a munk\u00e1ltat\u00f3 k\u00e9r jelz\u00e1logjog bejegyz\u00e9st a k\u00f6lcs\u00f6ne biztos\u00edt\u00e1s\u00e1ra, de hajland\u00f3 maga el\u00e9 engedni a bankot, de itt figyelni kell a munk\u00e1ltat\u00f3i hitel \u00e9s a bankhitel egy\u00fcttes ar\u00e1ny\u00e1ra<\/li><li>lak\u00e1stakar\u00e9k-p\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s (amennyiben m\u00e1r lej\u00e1rt \u00e9s szabadon felhaszn\u00e1lhat\u00f3)<\/li><li>babav\u00e1r\u00f3 hitel, bizonyos korl\u00e1toz\u00e1sokkal a felv\u00e9tel\u00e9t\u0151l sz\u00e1m\u00edtott 90 napon bel\u00fcl beny\u00fajtott lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelek eset\u00e9n<\/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-5898c20 elementor-widget elementor-widget-n-accordion\" data-id=\"5898c20\" 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-9290\" 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-9290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 7) Kinek fizeti ki a bank a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelt? <\/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-9290\" class=\"elementor-element elementor-element-b4fc5ea e-con-full e-flex e-con e-child\" data-id=\"b4fc5ea\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9290\" class=\"elementor-element elementor-element-70ca0f3 e-flex e-con-boxed e-con e-child\" data-id=\"70ca0f3\" 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-9e81c0b elementor-widget elementor-widget-text-editor\" data-id=\"9e81c0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Szemben a\u00a0<a href=\"https:\/\/www.okoshitel.hu\/Szabadfelhasznalasu_hitel.html\"><strong>szabad felhaszn\u00e1l\u00e1s\u00fa hitellel<\/strong><\/a>\u00a0\u00e9s\u00a0<a href=\"https:\/\/www.okoshitel.hu\/Epitesi_hitel.html\"><strong>\u00e9p\u00edt\u00e9si hitellel<\/strong><\/a>, a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hiteln\u00e9l a bank sosem \u00d6nnek fizet, mint vev\u0151nek, hogy azt\u00e1n \u00d6n majd azt kedve szerint tov\u00e1bb utalja, hanem mindig az elad\u00f3nak vagy az elad\u00f3 \u00e1ltal meghatalmazott, az \u00fcgyben elj\u00e1r\u00f3 \u00fcgyv\u00e9d let\u00e9ti sz\u00e1ml\u00e1j\u00e1ra. Terhelt ingatlann\u00e1l pedig az els\u0151 r\u00e9szletet vagy ak\u00e1r a teljes \u00f6sszeget az elad\u00f3 bankj\u00e1nak utalja tehermentes\u00edt\u00e9shez.<\/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<div class=\"elementor-element elementor-element-114d5b4 e-con-full e-flex e-con e-child\" data-id=\"114d5b4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-501a81e elementor-widget elementor-widget-n-accordion\" data-id=\"501a81e\" 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-8390\" 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-8390\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 8) Mi van, ha terhelt az ingatlan? <\/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-8390\" class=\"elementor-element elementor-element-c2dcdd9 e-con-full e-flex e-con e-child\" data-id=\"c2dcdd9\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8390\" class=\"elementor-element elementor-element-37866f4 e-flex e-con-boxed e-con e-child\" data-id=\"37866f4\" 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-49dc3f7 elementor-widget elementor-widget-text-editor\" data-id=\"49dc3f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sokan abban a t\u00e9vhitben \u00e9lnek, amikor ingatlant keresnek, hogy ha azon teher van, akkor m\u00e1r musz\u00e1j is tov\u00e1bb s\u00e9t\u00e1lni, mert csak a macera lesz vele. Ez alapvet\u0151 t\u00e9ved\u00e9s! Bankhitel eset\u00e9n legfeljebb 2-3 h\u00e9ttel tol\u00f3dik ki a teljes lak\u00e1sv\u00e1s\u00e1rl\u00e1si \u00fcgymenet amiatt, mert az elad\u00f3nak el kell t\u00fcntetnie a tulajdoni lapr\u00f3l az ott l\u00e9v\u0151 terheket, de ett\u0151l m\u00e9g az ad\u00e1sv\u00e9tel finansz\u00edrozhat\u00f3 marad lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l. M\u00e1s a helyzet a CSOK-al terhelt ingatlanokn\u00e1l, mert ott a korm\u00e1nyhivatalon kereszt\u00fcl a Magyar \u00c1llamkincst\u00e1r elj\u00e1r\u00e1s\u00e1ra van sz\u00fcks\u00e9g, amire alapesetben 60 napja van, legyen sz\u00f3 a teher \u00e1thelyez\u00e9s\u00e9r\u0151l vagy a CSOK \u00f6nk\u00e9ntes visszafizet\u00e9s\u00e9r\u0151l. Ha belegondol, el\u00e9g nagy bajban lenne sok ingatlantulajdonos, ha ez \u00edgy lenne, mert m\u00e9g 15-20-25-30 \u00e9vig oda lenne l\u00e1ncolva a bankj\u00e1hoz. Ezzel szemben a terhet t\u00f6bbf\u00e9lek\u00e9ppen is lehet kezelni:<\/p><ul><li>legegyszer\u0171bb eset: az elad\u00f3 k\u00e9pes azt saj\u00e1t maga rendezni (pl. elviszi az ott l\u00e9v\u0151 Magyar \u00c1llamkincst\u00e1ri bejegyz\u00e9st egy m\u00e1sik ingatlanra vagy kifizeti zsebb\u0151l a fenn\u00e1ll\u00f3 tartoz\u00e1s\u00e1t)<\/li><li>saj\u00e1t maga nem, de az \u00e1tvett \u00f6ner\u0151vel egy\u00fctt k\u00e9pes az elad\u00f3 a terhet rendezni: ez is viszonylag egyszer\u0171. Amikor od\u00e1ig jut az \u00d6n, mint vev\u0151 banki hitelfelv\u00e9teli folyamata, hogy m\u00e1r biztos lehet a pozit\u00edv kimenetelben, akkor nyugodtan odaadhatja az elad\u00f3nak az \u00f6nerej\u00e9t vagy annak a sz\u00fcks\u00e9ges r\u00e9sz\u00e9t ahhoz, hogy azt az elad\u00f3 a tehermentes\u00edt\u00e9sre tudja ford\u00edtani. A leggyakoribb esetben az elad\u00f3 a saj\u00e1t megtakar\u00edt\u00e1s\u00e1val egy\u00fctt \u00edgy m\u00e1r egyszer\u0171en kifizeti a megl\u00e9v\u0151 terhet \u00e9s ezut\u00e1n tudja t\u00f6r\u00f6ltetni az ott l\u00e9v\u0151 bejegyz\u00e9st.<\/li><li>kicsit bonyol\u00f3dik a helyzet akkor, ha m\u00e9g az \u00d6n \u00e1ltal rendelkez\u00e9s\u00e9re bocs\u00e1tott \u00f6ner\u0151 is kev\u00e9s a tehermentes\u00edt\u00e9shez, mert az \u00d6n hitele vagy annak egy r\u00e9sze is sz\u00fcks\u00e9ges hozz\u00e1. Ez is kezelhet\u0151, k\u00e9t \u00fctem\u0171 foly\u00f3s\u00edt\u00e1ssal. Ilyenkor az \u00d6n bankja, mint a vev\u0151t finansz\u00edroz\u00f3 bank fogja mag\u00e1t \u00e9s kett\u00e9osztja a foly\u00f3s\u00edt\u00e1st: az els\u0151 r\u00e9szt \u00fagy sz\u00e1molja ki, hogy az elad\u00f3 egy\u00e9b forr\u00e1saival \u00e9s az \u00d6n \u00f6nerej\u00e9vel egy\u00fctt biztosan elegend\u0151 legyen a tehermentes\u00edt\u00e9shez, a marad\u00e9kot pedig akkor utalja el, amikor ez igazoltan megt\u00f6rt\u00e9nt. Fontos k\u00fcl\u00f6nbs\u00e9g ilyenkor, hogy az els\u0151 foly\u00f3s\u00edtott \u00f6sszeget az elad\u00f3 nem l\u00e1tja, mert azt a vev\u0151 bankja k\u00f6zvetlen\u00fcl az elad\u00f3 bankj\u00e1nak utalja el. Ennek az oka az, hogy \u00edgy teljesen ki van v\u00e9dve az az eset, hogy az elad\u00f3 egyszer\u0171en kereket oldjon az \u00d6n hitel\u00e9nek egy r\u00e9sz\u00e9vel a helyett, hogy a saj\u00e1t tartoz\u00e1s\u00e1t rendezte volna a bankja fel\u00e9. Ilyenkor biztosan hosszabb lesz az \u00fcgymenet egy norm\u00e1l esethez k\u00e9pest, de kezelhet\u0151 marad a dolog.<\/li><li>egyetlen esetben hi\u00fasul meg a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitellel finansz\u00edrozott ad\u00e1sv\u00e9tel, ha t\u00f6bb a teher, mint az ad\u00e1sv\u00e9teliben szerepl\u0151 v\u00e9tel\u00e1r \u00e9s az elad\u00f3 nem tudja vagy nem akarja a k\u00fcl\u00f6nb\u00f6zetet zsebb\u0151l rendezni. Az ilyen ad\u00e1sv\u00e9telekt\u0151l \u00d6n is z\u00e1rk\u00f3zzon el, mert ez kivitelezhetetlen. K\u00fcl\u00f6n\u00f6sen akkor kell erre odafigyelnie, ha deviza alap\u00fa hitellel rendelkezik az elad\u00f3 \u00e9s annak forint\u00f6sszege az \u00e1rfolyam alakul\u00e1s\u00e1nak f\u00fcggv\u00e9ny\u00e9ben hol meghaladja a v\u00e9tel\u00e1rat, hol nem. Ilyenkor k\u00fcl\u00f6n\u00f6sen kell arra \u00fcgyelni, hogy ak\u00e1rmennyire is szalad el az \u00e1rfolyam, az ebb\u0151l sz\u00e1rmaz\u00f3 vesztes\u00e9get ne a vev\u0151nek kelljen viselnie vev\u0151k\u00e9nt. Pl. 100.000 CHF \u00f6sszeg\u0171 fenn\u00e1ll\u00f3 hiteltartoz\u00e1sn\u00e1l 10 Ft elmozdul\u00e1s az \u00e1rfolyamban m\u00e1ris 1 milli\u00f3 Ft t\u00f6bbletet jelent rendezend\u0151 teherk\u00e9nt. Lakoss\u00e1gi hitelekn\u00e9l ma ez m\u00e1r nem fordulhat el\u0151, de ha az elad\u00f3 c\u00e9g vagy c\u00e9ges deviza hitellel rendelkezik az ingatlanon, akkor ritk\u00e1n, de lehet m\u00e9g vele tal\u00e1lkozni.<\/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-7d99748 elementor-widget elementor-widget-n-accordion\" data-id=\"7d99748\" 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-1310\" 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-1310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 9) Mi van, ha osztatlan k\u00f6z\u00f6s tulajdon\u00fa az ingatlan? <\/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-1310\" class=\"elementor-element elementor-element-98a88b9 e-con-full e-flex e-con e-child\" data-id=\"98a88b9\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1310\" class=\"elementor-element elementor-element-a3b5ae8 e-flex e-con-boxed e-con e-child\" data-id=\"a3b5ae8\" 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-c50ffbf elementor-widget elementor-widget-text-editor\" data-id=\"c50ffbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lak\u00e1sokn\u00e1l szinte kiz\u00e1rt (egy bank kiv\u00e9tel\u00e9vel senki sem finansz\u00edroz ilyen eseteket), de telkes ingatlanokn\u00e1l gyakori, hogy egy telken t\u00f6bb lak\u00f3\u00e9p\u00fclet is \u00e1ll vagy egy lak\u00f3\u00e9p\u00fclet t\u00f6bb r\u00e9szre van osztva, azaz t\u00f6bben is haszn\u00e1lj\u00e1k ugyanazt a telket. Ez jogilag k\u00f6z\u00f6s tulajdont jelent, aminek t\u00f6bbek k\u00f6z\u00f6tt az a saj\u00e1toss\u00e1ga, hogy csak egy\u00fctt lehet azzal b\u00e1rmit is kezdeni. Hogy ne ez legyen, szoktak k\u00f6tni egy \u00fan. haszn\u00e1lat-megoszt\u00e1si meg\u00e1llapod\u00e1st a tulajdonost\u00e1rsak, amiben rendelkeznek arr\u00f3l, hogy ki mit haszn\u00e1lhat, van-e esetleg mindenkinek egy-egy elker\u00edtett r\u00e9sze, hogyan fizetik a k\u00f6zm\u0171d\u00edjakat stb. Osztatlan k\u00f6z\u00f6s tulajdon\u00fa ingatlan eset\u00e9n minden bankn\u00e1l alapvet\u0151 felt\u00e9tele a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelnek ezen meg\u00e1llapod\u00e1s megl\u00e9te. Ha m\u00e9g nincsen ilyen, akkor \u00d6n, mint vev\u0151 kell, hogy egyet k\u00f6ttessen az elad\u00f3 \u00e9s tulajdonost\u00e1rsai k\u00f6z\u00f6tt, amit azt\u00e1n az elad\u00f3 jogut\u00f3djak\u00e9nt meg\u00f6r\u00f6k\u00f6lhet. A haszn\u00e1lat-megoszt\u00e1si meg\u00e1llapod\u00e1snak az a c\u00e9lja a bankok r\u00e9sz\u00e9r\u0151l, hogy egy\u00e9rtelm\u0171 legyen, ki mi\u00e9rt felel \u00e9s ezzel az \u00e1ltaluk finansz\u00edrozott ingatlanr\u00e9sz \u00f6n\u00e1ll\u00f3an is forgalomk\u00e9pes legyen. Ez az\u00e9rt fontos, mert ennek hi\u00e1ny\u00e1ban mindig minden egyes v\u00e1ltoz\u00e1sn\u00e1l egyeztetni kellene a tulajdonost\u00e1rsakkal.<\/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-81c6b20 elementor-widget elementor-widget-n-accordion\" data-id=\"81c6b20\" 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-1360\" 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-1360\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 10) Mi van, ha m\u00e9g nincsen k\u00e9sz az ingatlan? <\/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-1360\" class=\"elementor-element elementor-element-29f4e61 e-con-full e-flex e-con e-child\" data-id=\"29f4e61\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1360\" class=\"elementor-element elementor-element-28cd444 e-flex e-con-boxed e-con e-child\" data-id=\"28cd444\" 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-b2a6856 elementor-widget elementor-widget-text-editor\" data-id=\"b2a6856\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Amennyiben \u00d6n egy\u00a0<a href=\"https:\/\/www.okoshitel.hu\/Lakashitel\/Lakasvasarlasi_hitel\/Uj_lakas_vasarlasa.html\"><strong>\u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1t<\/strong><\/a>\u00a0k\u00edv\u00e1nja finansz\u00edrozni lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l, akkor a k\u00f6vetkez\u0151 pontban tudhat meg\u00a0<a href=\"https:\/\/www.okoshitel.hu\/Lakashitel\/Lakasvasarlasi_hitel\/Uj_lakas_vasarlasa.html\"><strong>tov\u00e1bbi r\u00e9szleteket<\/strong><\/a>.<\/p><p>Itt csak arra az esetre t\u00e9r\u00fcnk ki, amikor valaki belev\u00e1g egy \u00e9p\u00edtkez\u00e9sbe, de azt\u00e1n nem tudja vagy nem akarja azt befejezni. Fontos tudnia, hogy egy f\u00e9lbehagyott \u00e9p\u00edtkez\u00e9s megv\u00e9tel\u00e9re egyetlen bankt\u00f3l sem fog lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelt kapni! Teh\u00e1t, ha ilyenbe botlik, akkor csak \u00fagy tudja megfinansz\u00edroztatni, hogy ha \u00f6ner\u0151b\u0151l meg tudja venni \u00fagy, ahogy van \u00e9s az \u00e9p\u00edtkez\u00e9s befejez\u00e9s\u00e9hez k\u00e9r\u00a0<a href=\"https:\/\/www.okoshitel.hu\/Epitesi_hitel.html\"><strong>\u00e9p\u00edt\u00e9si hitelt<\/strong><\/a>. Az m\u00e1r megy, de az nem, hogy mag\u00e1t a lak\u00e1sv\u00e1s\u00e1rl\u00e1st is r\u00e9szben vagy eg\u00e9szben bank finansz\u00edrozza. Ez az\u00e9rt van \u00edgy, mert a bank szempontj\u00e1b\u00f3l akkor \u00e9r valamit a telken \u00e1ll\u00f3 fel\u00e9p\u00edtm\u00e9ny, teh\u00e1t ami \u00e9p\u00fcl, ha az jogilag is m\u00e1r fel\u00e9p\u00edtm\u00e9nynek sz\u00e1m\u00edt. Ez pedig akkor igaz, ha megvan r\u00e1 a joger\u0151s lakhat\u00e1si enged\u00e9ly vagy haszn\u00e1latbav\u00e9teli enged\u00e9ly ill. hat\u00f3s\u00e1gi tudom\u00e1sul v\u00e9tel. Am\u00edg nincsen, az csak egy \u00fcres telek \u00e9s egy \u00e9p\u00edt\u0151anyagkupac banki szemsz\u00f6gb\u0151l n\u00e9zve. \u00cdgy pedig nem lehets\u00e9ges lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel foly\u00f3s\u00edt\u00e1sa, hiszen ilyen fedezetre egyetlen bank sem tart ig\u00e9nyt, mert nem k\u00edv\u00e1n belebonyol\u00f3dni senkinek sem az \u00e9p\u00edtkez\u00e9s\u00e9be, hiszen nincsenek r\u00e1 emberei, akik meg\u00e9p\u00edten\u00e9k vagy ak\u00e1r csak megszervezn\u00e9k a befejez\u00e9st.<\/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-712587a elementor-widget elementor-widget-n-accordion\" data-id=\"712587a\" 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-1180\" 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-1180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 11) Lehet-e m\u00e1s a fedezet, mint amit a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l veszek? <\/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-1180\" class=\"elementor-element elementor-element-5d42d40 e-con-full e-flex e-con e-child\" data-id=\"5d42d40\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1180\" class=\"elementor-element elementor-element-049c745 e-flex e-con-boxed e-con e-child\" data-id=\"049c745\" 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-692d246 elementor-widget elementor-widget-text-editor\" data-id=\"692d246\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Igen, lehet, ezt h\u00edvj\u00e1k idegen fedezet melletti lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelnek. Viszonylag gyakran alkalmazzuk a gyakorlatban, mert sokszor egyszer\u0171bb egy m\u00e1r megl\u00e9v\u0151 m\u00e1sik ingatlant terhelni, mint a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitellel megvenni sz\u00e1nd\u00e9kozottat. Tipikusan ilyen, amikor a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel c\u00e9lj\u00e1t k\u00e9pez\u0151 ingatlant, azaz amelyiket meg k\u00edv\u00e1nja v\u00e1s\u00e1rolni, a t\u00f6rv\u00e9nyben megengedett szintn\u00e9l magasabb ar\u00e1nyban szeretn\u00e9 megfinansz\u00edroztatni a bankkal. Ha van ehhez egy nagyobb \u00e9rt\u00e9k\u0171, megl\u00e9v\u0151 ingatlan a csal\u00e1dban, akkor jobban j\u00e1r, ha nem vonja be fedezetk\u00e9nt mindkett\u0151t, hanem csak a nagyobb \u00e9rt\u00e9k\u0171t.<\/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-93220d4 elementor-widget elementor-widget-n-accordion\" data-id=\"93220d4\" 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-1540\" 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-1540\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 12) Minden hitelfelvev\u0151nek tulajdont kell-e szereznie a megv\u00e1s\u00e1rolt ingatlanban? <\/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-1540\" class=\"elementor-element elementor-element-1a81a55 e-con-full e-flex e-con e-child\" data-id=\"1a81a55\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1540\" class=\"elementor-element elementor-element-735449f e-flex e-con-boxed e-con e-child\" data-id=\"735449f\" 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-3ab666a elementor-widget elementor-widget-text-editor\" data-id=\"3ab666a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nem, ezek ak\u00e1r teljesen k\u00fcl\u00f6nv\u00e1lhatnak. Azaz vehet fel \u00d6n lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelt a testv\u00e9re lak\u00e1sv\u00e1s\u00e1rl\u00e1s\u00e1hoz is. Kiv\u00e9ve a CSOK Pluszt, mert ott mindk\u00e9t t\u00e1mogatott szem\u00e9ly (eleve csak h\u00e1zasok vehetik fel) tulajdont kell, hogy szerezzen, igaz, mindegy, hogy mennyit.<\/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-909ceeb elementor-widget elementor-widget-n-accordion\" data-id=\"909ceeb\" 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-1510\" 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-1510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 13) \u00c9rdemes-e egyb\u0151l kiskor\u00fa nev\u00e9re venni az ingatlant? <\/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-1510\" class=\"elementor-element elementor-element-70013c5 e-con-full e-flex e-con e-child\" data-id=\"70013c5\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1510\" class=\"elementor-element elementor-element-985cf8f e-flex e-con-boxed e-con e-child\" data-id=\"985cf8f\" 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-12e369f elementor-widget elementor-widget-text-editor\" data-id=\"12e369f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>R\u00e9gebben ez el\u00e9g elterjedt gyakorlat volt, de ami\u00f3ta ingyeness\u00e9 v\u00e1lt illet\u00e9k szempontb\u00f3l a k\u00f6zeli hozz\u00e1tartoz\u00f3k egym\u00e1s k\u00f6z\u00f6tti aj\u00e1nd\u00e9koz\u00e1sa, m\u00e1r nem annyira l\u00e9nyeges. Fontos viszont tudnia, hogy ha kiskor\u00fa szerez tulajdont a megv\u00e1s\u00e1rolt lak\u00e1sra, akkor sz\u00fcks\u00e9g lesz a gy\u00e1mhivatal hozz\u00e1j\u00e1rul\u00e1s\u00e1ra minden olyan esetben, amikor ezzel az ingatlannal valamit kezdeni szeretne: eladni, megterhelni, fedezetbe vonni stb. Mivel ez sz\u00e1mos gyakorlati akad\u00e1lyba \u00fctk\u00f6zhet, ez\u00e9rt, ha egy m\u00f3d van r\u00e1, ker\u00fclje el ezt a lehet\u0151s\u00e9get.<\/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-8a68bd1 elementor-widget elementor-widget-n-accordion\" data-id=\"8a68bd1\" 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-1450\" 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-1450\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 14) T\u00e1mogat\u00e1sok szerepe a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelekn\u00e9l <\/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-1450\" class=\"elementor-element elementor-element-c425ef3 e-con-full e-flex e-con e-child\" data-id=\"c425ef3\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1450\" class=\"elementor-element elementor-element-53a8c83 e-flex e-con-boxed e-con e-child\" data-id=\"53a8c83\" 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-8323842 elementor-widget elementor-widget-text-editor\" data-id=\"8323842\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Amennyiben a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelhez \u00e1llami t\u00e1mogat\u00e1s vagy t\u00e1mogatott hitel is kapcsol\u00f3dik, \u00fagy m\u00e9g nagyobb a jelent\u0151s\u00e9ge az alapos el\u0151zetes t\u00e1j\u00e9koz\u00f3d\u00e1snak, illetve a dokument\u00e1ci\u00f3 helyes \u00f6ssze\u00e1ll\u00edt\u00e1s\u00e1nak, mivel a legapr\u00f3bb r\u00e9szlet figyelmen k\u00edv\u00fcl hagy\u00e1sa is azt jelentheti, hogy elesik a lak\u00e1sv\u00e1s\u00e1rl\u00e1si t\u00e1mogat\u00e1st\u00f3l vagy t\u00e1mogatott hitelt\u0151l. Amikor a lak\u00e1sv\u00e1s\u00e1rl\u00e1si t\u00e1mogat\u00e1s az \u00f6ner\u0151 r\u00e9sz\u00e9t k\u00e9pezi, akkor egy pontatlan t\u00e1j\u00e9koztat\u00e1s, f\u00e9lreinform\u00e1l\u00e1s mag\u00e1t az otthonteremt\u00e9st is meghi\u00fas\u00edthatja, ez\u00e9rt minden ilyen esetben a lehet\u0151 legalaposabban meg kell ismernie az otthonteremt\u00e9si t\u00e1mogat\u00e1s ig\u00e9nybev\u00e9tel\u00e9nek minden felt\u00e9tel\u00e9t, mert ak\u00e1rcsak egyen is m\u00falhat a dolog.<\/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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00d6sszeszedt\u00fck a leggyakrabban felmer\u00fcl\u0151 k\u00e9rd\u00e9seket \u00e9s fogalmakat! 1) R\u00e9sz vagy teljes tulajdonszerz\u00e9shez is lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel kell \u00c1ltal\u00e1ban a lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l a kiszemelt ingatlan teljes, 100%-os tulajdon\u00e1t szerzik meg a vev\u0151k. Gyakori azonban az is, amikor \u00f6r\u00f6kl\u00e9s, aj\u00e1nd\u00e9koz\u00e1s vagy v\u00e1l\u00e1s sor\u00e1n az egyik r\u00e9sztulajdonos v\u00e1s\u00e1rolja ki a m\u00e1sikat. Minden ilyen tranzakci\u00f3 finansz\u00edroz\u00e1sa is lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitelb\u0151l t\u00f6rt\u00e9nhet [&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-45","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/45","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=45"}],"version-history":[{"count":27,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/45\/revisions"}],"predecessor-version":[{"id":1745,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/45\/revisions\/1745"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=45"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}