{"id":53,"date":"2024-05-14T12:29:54","date_gmt":"2024-05-14T12:29:54","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=53"},"modified":"2025-09-08T13:17:26","modified_gmt":"2025-09-08T13:17:26","slug":"lakasfelujitasi-es-korszerusites-hitel","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/lakasfelujitasi-es-korszerusites-hitel\/","title":{"rendered":"Lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s korszer\u0171s\u00edt\u00e9s hitel"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"53\" class=\"elementor elementor-53\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-031fdef e-flex e-con-boxed e-con e-parent\" data-id=\"031fdef\" 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-f8523da elementor-widget elementor-widget-heading\" data-id=\"f8523da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s korszer\u0171s\u00edt\u00e9s hitel<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6846eb elementor-widget elementor-widget-text-editor\" data-id=\"a6846eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sz\u00e1mos bank \u00e9s hitelint\u00e9zet rendelkezik haz\u00e1nkban az \u00e1ltal\u00e1nos lak\u00e1shiteleken \u00e9s \u00e9p\u00edt\u00e9si hiteleken bel\u00fcl kifejezetten lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s lak\u00e1skorszer\u0171s\u00edt\u00e9si c\u00e9lokra kialak\u00edtott lak\u00e1shitel konstrukci\u00f3kkal. A k\u00f6vetkez\u0151kben az ezek ig\u00e9nyl\u00e9s\u00e9hez sz\u00fcks\u00e9ges inform\u00e1ci\u00f3kat ismerheti meg.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fc21d3 e-flex e-con-boxed e-con e-parent\" data-id=\"6fc21d3\" 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-1d7389e e-con-full e-flex e-con e-child\" data-id=\"1d7389e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc9d651 elementor-widget elementor-widget-n-accordion\" data-id=\"fc9d651\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2640\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2640\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi az, hogy lak\u00e1sfel\u00faj\u00edt\u00e1si hitel? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2640\" class=\"elementor-element elementor-element-6889fb1 e-con-full e-flex e-con e-child\" data-id=\"6889fb1\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2640\" class=\"elementor-element elementor-element-29db837 e-flex e-con-boxed e-con e-child\" data-id=\"29db837\" 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-7230ea6 elementor-widget elementor-widget-text-editor\" data-id=\"7230ea6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El\u0151sz\u00f6r is defini\u00e1ljuk, hogy mit tekintenek a bankok lak\u00e1s fel\u00faj\u00edt\u00e1si c\u00e9l\u00fa hitelnek:<\/p><p>Lak\u00e1sfel\u00faj\u00edt\u00e1snak sz\u00e1m\u00edt minden olyan \u00e1ltal\u00e1nos jav\u00edt\u00e1si, \u00e9p\u00edt\u00e9s, szerel\u00e9si munka, amely az eredeti m\u0171szaki \u00e1llapotot r\u00e9szben vagy eg\u00e9szben vissza\u00e1ll\u00edtja, tov\u00e1bb\u00e1 az olyan munk\u00e1latok, melyek sor\u00e1n egyes szerkezetek, berendez\u00e9sek cser\u00e9j\u00e9vel, \u00e1talak\u00edt\u00e1s\u00e1val javul az ingatlan haszn\u00e1lhat\u00f3s\u00e1ga, eszt\u00e9tikai megjelen\u00e9se (Pl.: lak\u00e1s\/h\u00e1z bels\u0151 \u00e9s k\u00fcls\u0151 tataroz\u00e1sa, parkett\u00e1z\u00e1s, fest\u00e9s, m\u00e1zol\u00e1s stb.). Teh\u00e1t a lak\u00e1sfel\u00faj\u00edt\u00e1s els\u0151sorban helyre\u00e1ll\u00edt\u00e1st, ill. eszt\u00e9tikai meg\u00fajul\u00e1st jelent.<\/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-edcb816 elementor-widget elementor-widget-n-accordion\" data-id=\"edcb816\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2490\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2490\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi sz\u00e1m\u00edt lak\u00e1skorszer\u0171s\u00edt\u00e9si hitelnek? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2490\" class=\"elementor-element elementor-element-f9fdd0c e-con-full e-flex e-con e-child\" data-id=\"f9fdd0c\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2490\" class=\"elementor-element elementor-element-b58db14 e-flex e-con-boxed e-con e-child\" data-id=\"b58db14\" 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-b10989f elementor-widget elementor-widget-text-editor\" data-id=\"b10989f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lak\u00e1skorszer\u0171s\u00edt\u00e9snek min\u0151s\u00fcl a \u2013 12\/2001. (I. 31.) Korm. rendelet alapj\u00e1n \u2013 a lak\u00e1s komfortfokozat\u00e1nak n\u00f6vel\u00e9se c\u00e9lj\u00e1b\u00f3l v\u00edz-, csatorna-, elektromos-, g\u00e1zk\u00f6zm\u0171 bevezet\u00e9se, illetve bels\u0151 h\u00e1l\u00f3zat\u00e1nak ki\u00e9p\u00edt\u00e9se, f\u00fcrd\u0151szoba l\u00e9tes\u00edt\u00e9se olyan lak\u00e1sban, ahol m\u00e9g ilyen helyis\u00e9g nincs. Emellett korszer\u0171s\u00edt\u00e9snek sz\u00e1m\u00edt a k\u00f6zpontos\u00edtott f\u0171t\u00e9s kialak\u00edt\u00e1sa vagy cser\u00e9je, bele\u00e9rtve a meg\u00faj\u00edthat\u00f3 energiaforr\u00e1sok (pl. napenergia) alkalmaz\u00e1sa is, valamint az \u00e9p\u00fclet szigetel\u00e9se, bele\u00e9rtve a h\u0151-, hang-, illetve v\u00edzszigetel\u00e9si munk\u00e1latokat, a k\u00fcls\u0151 ny\u00edl\u00e1sz\u00e1r\u00f3k energiatakar\u00e9kos cser\u00e9je, tet\u0151 cser\u00e9je, fel\u00faj\u00edt\u00e1sa, szigetel\u00e9se. A lak\u00e1skorszer\u0171s\u00edt\u00e9s r\u00e9sze az ehhez k\u00f6zvetlen\u00fcl kapcsol\u00f3d\u00f3 helyre\u00e1ll\u00edt\u00e1si munka, a lak\u00e1skorszer\u0171s\u00edt\u00e9s k\u00f6zvetlen k\u00f6lts\u00e9geinek 20%-\u00e1ig. E munk\u00e1khoz csak az \u00e9p\u00edt\u00e9si term\u00e9kek m\u0171szaki k\u00f6vetelm\u00e9nyeinek, megfelel\u0151s\u00e9g igazol\u00e1s\u00e1nak, valamint forgalomba hozatal\u00e1nak \u00e9s felhaszn\u00e1l\u00e1s\u00e1nak r\u00e9szletes szab\u00e1lyair\u00f3l sz\u00f3l\u00f3 rendelet szerinti megfelel\u0151s\u00e9gi igazol\u00e1ssal rendelkez\u0151 term\u00e9keket lehet felhaszn\u00e1lni. A lak\u00e1skorszer\u0171s\u00edt\u00e9snek teh\u00e1t a komfortfokozat n\u00f6vel\u00e9se a l\u00e9nyege.<\/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-58fe9ab elementor-widget elementor-widget-n-accordion\" data-id=\"58fe9ab\" 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-9330\" 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-9330\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mi\u00e9rt \u00e9rdemes lak\u00e1sfel\u00faj\u00edt\u00e1si ill. lak\u00e1skorszer\u0171s\u00edt\u00e9si hitelt v\u00e1lasztania, ha ilyen c\u00e9llal keres 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-9330\" class=\"elementor-element elementor-element-631b711 e-con-full e-flex e-con e-child\" data-id=\"631b711\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9330\" class=\"elementor-element elementor-element-819c3f7 e-flex e-con-boxed e-con e-child\" data-id=\"819c3f7\" 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-0a1f67d elementor-widget elementor-widget-text-editor\" data-id=\"0a1f67d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li>Els\u0151sorban az\u00e9rt, mert a lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s korszer\u0171s\u00edt\u00e9si hitelek a\u00a0<strong>lak\u00e1sc\u00e9l\u00fa hitelek\u00a0<\/strong>k\u00f6z\u00e9 tartoznak, \u00edgy kond\u00edci\u00f3ikat tekintve azonosak pl. egy\u00a0<strong>lak\u00e1sv\u00e1s\u00e1rl\u00e1si hitel<\/strong>\u00a0kond\u00edci\u00f3ival.<\/li><li>Fel\u00faj\u00edt\u00e1sra lak\u00e1stakar\u00e9kkal kombin\u00e1lt esetekben \u00e9s \u00a0<strong>lak\u00e1sfel\u00faj\u00edt\u00e1si p\u00e1ly\u00e1zatokon\u00a0<\/strong>kereszt\u00fcl\u00a0<strong>\u00e1llami t\u00e1mogat\u00e1st<\/strong>\u00a0is lehet szerezni, lak\u00e1skorszer\u0171s\u00edt\u00e9sre pedig k\u00fcl\u00f6n\u00a0<strong>t\u00e1mogatott lak\u00e1shitel<\/strong>\u00a0is l\u00e9tezik.<\/li><li>Harmadr\u00e9szt az\u00e9rt is \u00e9rdemesebb lehet lak\u00e1sfel\u00faj\u00edt\u00e1si ill. lak\u00e1skorszer\u0171s\u00edt\u00e9si hitelt v\u00e1lasztani, mert azzal nagyobb \u00f6sszeget tud megig\u00e9nyelni amiatt, mert egyes bankok ezekn\u00e9l a hitelekn\u00e9l a lak\u00e1sfel\u00faj\u00edt\u00e1s ill. lak\u00e1skorszer\u0171s\u00edt\u00e9s ut\u00e1n v\u00e1rhat\u00f3 ingatlan\u00e9rt\u00e9kb\u0151l kiindulva hat\u00e1rozz\u00e1k meg a maxim\u00e1lis finansz\u00edroz\u00e1si h\u00e1nyadot, azaz az ingatlanfedezet \u00e1ltal elb\u00edrt lak\u00e1shitel \u00f6sszeg\u00e9t.<\/li><\/ol><p>Szembe \u00e1ll\u00edtva teh\u00e1t a t\u00f6bbek k\u00f6z\u00f6tt erre a c\u00e9lra is \u00e1ltal\u00e1nosan haszn\u00e1lt\u00a0<strong>szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitellel<\/strong>, ezekn\u00e9l mind az el\u00e9rhet\u0151 hitel \u00f6sszeg\u00e9ben, mind annak \u00e1r\u00e1ban el\u00e9g tetemes k\u00fcl\u00f6nbs\u00e9gek lehetnek.<\/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-6cbc79c elementor-widget elementor-widget-n-accordion\" data-id=\"6cbc79c\" 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-1140\" 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-1140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen kivitelez\u00e9si form\u00e1k lehetnek lak\u00e1sfel\u00faj\u00edt\u00e1sn\u00e1l \u00e9s lak\u00e1skorszer\u0171s\u00edt\u00e9sn\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-1140\" class=\"elementor-element elementor-element-d3ed0b6 e-con-full e-flex e-con e-child\" data-id=\"d3ed0b6\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1140\" class=\"elementor-element elementor-element-cfbb80e e-flex e-con-boxed e-con e-child\" data-id=\"cfbb80e\" 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-54065a9 elementor-widget elementor-widget-text-editor\" data-id=\"54065a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mag\u00e1nak a lak\u00e1sfel\u00faj\u00edt\u00e1snak h\u00e1rom t\u00edpusa van kivitelez\u00e9s tekintet\u00e9ben:<\/p><ol><li><strong>Szervezett kivitelez\u00e9s<\/strong>: az \u00e9p\u00edttet\u0151 megb\u00edz\u00e1sa alapj\u00e1n kivitelez\u0151 c\u00e9g \u00e1ltal elv\u00e9gzett lak\u00e1sfel\u00faj\u00edt\u00e1si munk\u00e1latok. A megb\u00edz\u00e1s t\u00f6rt\u00e9nhet a teljes \u00e9p\u00edt\u00e9si munk\u00e1latokra, valamint csak egyes r\u00e9szmunk\u00e1latokra vonatkoz\u00f3an is.<\/li><li><strong>H\u00e1zilagos kivitelez\u00e9s<\/strong>: a lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9p\u00edt\u00e9si munk\u00e1latok \u00e9p\u00edttet\u0151 \u00e1ltal t\u00f6rt\u00e9n\u0151 elv\u00e9gz\u00e9se (nem v\u00e1s\u00e1rolt szolg\u00e1ltat\u00e1s).<\/li><li><strong>Vegyes kivitelez\u00e9s<\/strong>: a lak\u00e1sfel\u00faj\u00edt\u00e1s munk\u00e1latai sor\u00e1n a szervezett \u00e9s a h\u00e1zilagos kivitelez\u00e9s egy\u00fcttes alkalmaz\u00e1sa<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d532409 elementor-widget elementor-widget-n-accordion\" data-id=\"d532409\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2230\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Milyen egy\u00e9b saj\u00e1toss\u00e1gai vannak a lak\u00e1sfel\u00faj\u00edt\u00e1si ill. lak\u00e1skorszer\u0171s\u00edt\u00e9si hiteleknek? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-9002b22 e-con-full e-flex e-con e-child\" data-id=\"9002b22\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-d648b92 e-flex e-con-boxed e-con e-child\" data-id=\"d648b92\" 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-8fe07b9 elementor-widget elementor-widget-text-editor\" data-id=\"8fe07b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Elt\u00e9r\u0151 dokument\u00e1ci\u00f3<\/strong>: lak\u00e1skorszer\u0171s\u00edt\u00e9shez minden bankn\u00e1l, de lak\u00e1sfel\u00faj\u00edt\u00e1shoz is szinte minden bankn\u00e1l sz\u00fcks\u00e9ges leadni egy tervezett k\u00f6lts\u00e9gvet\u00e9st.<\/li><li><strong>\u00c1ltal\u00e1ban el\u0151finansz\u00edroz\u00e1sosak<\/strong>, ami annyit jelent, hogy ha a bank megvizsg\u00e1lta az ingatlant, a k\u00f6lts\u00e9gvet\u00e9st \u00e9s az \u00d6n j\u00f6vedelmi viszonyait, s k\u00e9relm\u00e9t pozit\u00edvan b\u00edr\u00e1lta el, akkor m\u00e1r a munk\u00e1latok megkezd\u00e9se el\u0151tt odaadja \u00d6nnek a hitel eg\u00e9sz\u00e9t vagy egy r\u00e9sz\u00e9t.<\/li><li><strong>Nagyobb \u00f6sszeg\u0171 lak\u00e1sfel\u00faj\u00edt\u00e1si hitelekn\u00e9l<\/strong>\u00a0vagy, ha a kiindul\u00e1sul szolg\u00e1l\u00f3 ingatlan \u00e9rt\u00e9ke nem elegend\u0151 a lak\u00e1sfel\u00faj\u00edt\u00e1si hitel teljes \u00f6sszeg\u00e9nek foly\u00f3s\u00edt\u00e1s\u00e1hoz, akkor szakaszosan, teh\u00e1t\u00a0<strong>t\u00f6bb r\u00e9szletben<\/strong>kaphatja meg a teljes \u00f6sszeget, de arra is van p\u00e9lda, hogy azt egy \u00f6sszegben odaadj\u00e1k.<\/li><li>F\u0151leg a t\u00e1mogatott hitelez\u00e9si form\u00e1kn\u00e1l \u00e1ltal\u00e1nos el\u0151\u00edr\u00e1s az, hogy a bank fel\u00e9 le kell igazolni\u00a0<strong>sz\u00e1ml\u00e1kkal<\/strong>\u00a0a k\u00f6lts\u00e9geket, piaci kamatoz\u00e1s\u00fa lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s lak\u00e1skorszer\u0171s\u00edt\u00e9si hitelekn\u00e9l azonban a bankok bels\u0151 szab\u00e1lyzata alapj\u00e1n \u00e1ltal\u00e1ban nem sz\u00fcks\u00e9ges sz\u00e1ml\u00e1k beny\u00fajt\u00e1sa.<\/li><li>Fontos, hogy lak\u00e1sfel\u00faj\u00edt\u00e1si vagy lak\u00e1skorszer\u0171s\u00edt\u00e9si c\u00e9lra\u00a0<strong>maximum<\/strong>\u00a0akkora hitel\u00f6sszeget ig\u00e9nyelhet a hitelfelv\u00e9teli folyamat sor\u00e1n, amennyi nem haladja meg a k\u00f6lts\u00e9gvet\u00e9sben szerepl\u0151 \u00f6sszeget.<\/li><li><strong>Munk\u00e1k elkezd\u00e9se<\/strong>: ha csak teheti, addig ne kezdjen el semmilyen munk\u00e1t, am\u00edg nem j\u00e1rt kint a becsl\u0151 szeml\u00e9zni a hitelk\u00e9relem bead\u00e1s\u00e1t k\u00f6vet\u0151en, mert azt tudja csak a bank finansz\u00edrozni, ami az els\u0151 szemle pillanat\u00e1ban m\u00e9g nincs k\u00e9sz \u00e9s van olyan bank is, amelyikn\u00e9l elv\u00e1r\u00e1s a fel\u00faj\u00edt\u00e1s elkezd\u00e9sekor az ingatlan komfortoss\u00e1ga, ami k\u00f6nnyen megsz\u0171nik akkor, ha sz\u00e9tszedik a f\u0171t\u00e9st, meg elkezdik sz\u00e9tverni a lak\u00e1st, mire a becsl\u0151 ki\u00e9r.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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>Sz\u00e1mos bank \u00e9s hitelint\u00e9zet rendelkezik haz\u00e1nkban az \u00e1ltal\u00e1nos lak\u00e1shiteleken \u00e9s \u00e9p\u00edt\u00e9si hiteleken bel\u00fcl kifejezetten lak\u00e1sfel\u00faj\u00edt\u00e1si \u00e9s lak\u00e1skorszer\u0171s\u00edt\u00e9si c\u00e9lokra kialak\u00edtott lak\u00e1shitel konstrukci\u00f3kkal. A k\u00f6vetkez\u0151kben az ezek ig\u00e9nyl\u00e9s\u00e9hez sz\u00fcks\u00e9ges inform\u00e1ci\u00f3kat ismerheti meg. Mi az, hogy lak\u00e1sfel\u00faj\u00edt\u00e1si hitel? El\u0151sz\u00f6r is defini\u00e1ljuk, hogy mit tekintenek a bankok lak\u00e1s fel\u00faj\u00edt\u00e1si c\u00e9l\u00fa hitelnek: Lak\u00e1sfel\u00faj\u00edt\u00e1snak sz\u00e1m\u00edt minden olyan \u00e1ltal\u00e1nos jav\u00edt\u00e1si, \u00e9p\u00edt\u00e9s, szerel\u00e9si [&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-53","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/53","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=53"}],"version-history":[{"count":15,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/53\/revisions"}],"predecessor-version":[{"id":1322,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/53\/revisions\/1322"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=53"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}