{"id":71,"date":"2024-05-14T12:34:19","date_gmt":"2024-05-14T12:34:19","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=71"},"modified":"2025-09-08T13:39:37","modified_gmt":"2025-09-08T13:39:37","slug":"hazepites","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/hazepites\/","title":{"rendered":"H\u00e1z\u00e9p\u00edt\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"71\" class=\"elementor elementor-71\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-954a001 e-flex e-con-boxed e-con e-parent\" data-id=\"954a001\" 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-4751a01 elementor-widget elementor-widget-heading\" data-id=\"4751a01\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">H\u00e1z\u00e9p\u00edt\u00e9s<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f564ba4 elementor-widget elementor-widget-text-editor\" data-id=\"f564ba4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Els\u0151sorban lakoss\u00e1gi jelz\u00e1loghitelekkel foglalkoz\u00f3 k\u00f6zvet\u00edt\u0151 c\u00e9gk\u00e9nt mi a lak\u00e1shiteleken bel\u00fcl csak olyan \u00e9p\u00edt\u00e9si hitelekkel tal\u00e1lkozunk, amelyek c\u00e9lja lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9se. Mi lehetne m\u00e9g, k\u00e9rdezheti. Sok minden, az ingatlan-nyilv\u00e1ntart\u00e1s rengeteg ingatlant\u00edpust megk\u00fcl\u00f6nb\u00f6ztet, de \u00d6nnek fontos tudnia, hogy ha mag\u00e1nszem\u00e9lyk\u00e9nt \u00e9p\u00edt\u00e9si hitelt keres, akkor azt szinte csak lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9s\u00e9re kaphatja meg.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a65059e e-flex e-con-boxed e-con e-parent\" data-id=\"a65059e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aa6bef5 e-con-full e-flex e-con e-child\" data-id=\"aa6bef5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d24613b elementor-widget elementor-widget-image\" data-id=\"d24613b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"480\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes.jpg\" class=\"attachment-large size-large wp-image-634\" alt=\"ingatlanv\u00e1s\u00e1rl\u00e1s k\u00f6lt\u00f6z\u00e9s\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes.jpg 1000w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes-300x180.jpg 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes-768x461.jpg 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes-980x588.jpg 980w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2025\/05\/ingatlanvasarlas-koltozes-480x288.jpg 480w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-510be3e elementor-widget elementor-widget-heading\" data-id=\"510be3e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mi nem lak\u00f3h\u00e1z\u00e9p\u00edt\u00e9s akkor?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a810ada elementor-widget elementor-widget-text-editor\" data-id=\"a810ada\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Minden, ami nem lak\u00f3 funkci\u00f3val b\u00edr\u00f3 h\u00e1z \u00e9p\u00edt\u00e9se, azaz<\/p><ol><li><strong>\u00fcd\u00fcl\u0151, nyaral\u00f3<\/strong><\/li><li><strong>tanya<\/strong><\/li><li><strong>vegyes funkci\u00f3j\u00fa ingatlan (pl. alul \u00fczlet, fel\u00fcl lak\u00f3ingatlan)<\/strong><\/li><li><strong>iroda<\/strong><\/li><li><strong>\u00fczlethelyis\u00e9g<\/strong><\/li><li><strong>mindenf\u00e9le kereskedelmi ingatlan (szalon, bemutat\u00f3terem, \u00e9tterem, panzi\u00f3, sz\u00e1lloda stb.)<\/strong><\/li><\/ol><p>A felsorol\u00e1s nem teljes k\u00f6r\u0171, csup\u00e1n kiragadtunk n\u00e9h\u00e1ny olyan p\u00e9ld\u00e1t, amivel m\u00e1r tal\u00e1lkoztunk h\u00e1z \u00e9p\u00edt\u00e9si k\u00e9relmek be\u00e9rkez\u00e9se sor\u00e1n. Az \u00e9p\u00edt\u00e9si hitel jellemz\u0151i men\u00fcpontban tov\u00e1bbi r\u00e9szletek tal\u00e1lhat\u00f3ak az \u00e9p\u00edt\u00e9si hitellel kapcsolatban.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dc313b e-con-full e-flex e-con e-child\" data-id=\"6dc313b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7adc5e8 elementor-widget elementor-widget-text-editor\" data-id=\"7adc5e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A banki gyakorlatban \u00e9p\u00edt\u00e9si hitelt az\u00e9rt szinte csak lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9s\u00e9re kaphat, mert minden m\u00e1s meg\u00e9p\u00edt\u00e9se j\u00f3val kock\u00e1zatosabb vagy esetleges k\u00e9s\u0151bbi k\u00e9nyszer\u00e9rt\u00e9kes\u00edt\u00e9se j\u00f3val bonyolultabb \u00e9s nehezebb egy lak\u00f3h\u00e1z\u00e9n\u00e1l. Pl., ha finansz\u00edrozna egy bank egy nyaral\u00f3 \u00e9p\u00edt\u00e9st valamilyen kev\u00e9sb\u00e9 frekvent\u00e1lt ter\u00fcleten, de azt \u00d6n f\u00e9lbehagyn\u00e1 valami miatt, akkor a bank ott \u00e1llna egy f\u00e9lk\u00e9sz ingatlannal, aminek az \u00e9rt\u00e9kes\u00edthet\u0151s\u00e9ge esetenk\u00e9nt k\u00fcl\u00f6n\u00f6sen neh\u00e9z. Akkor sem j\u00e1rna sokkal jobban, ha \u00d6n \u00e9vekig elh\u00fazn\u00e1 a h\u00e1z \u00e9p\u00edt\u00e9s\u00e9t, mondv\u00e1n, hogy nem ott lakik, nem hajtja a tat\u00e1r, majd elk\u00e9sz\u00fcl, amikor elk\u00e9sz\u00fcl. Banki szempontb\u00f3l ez megint csak szerencs\u00e9tlen lenne, mert ugyan \u00f6szt\u00f6n\u00f6zhetn\u00e9 \u00d6nt a mihamarabbi befejez\u00e9sre bizonyos keretek k\u00f6z\u00f6tt, de \u00d6nnek is lenne b\u0151ven lehet\u0151s\u00e9ge h\u00fazni az id\u0151t. Ez egy lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9s\u00e9n\u00e9l szinte kiz\u00e1rt, mert azt az\u00e9rt \u00e9p\u00edti mag\u00e1nak mindenki, hogy miel\u0151bb oda k\u00f6lt\u00f6zhessen.<\/p><p>Az\u00e9rt \u00edrtuk, hogy szinte csak lak\u00f3h\u00e1z\u00e9p\u00edt\u00e9sre kaphat mag\u00e1nszem\u00e9lyk\u00e9nt \u00e9p\u00edt\u00e9si hitelt, mert az\u00e9rt \u2013 term\u00e9szetesen \u2013 itt is vannak kiv\u00e9telek. Van n\u00e9h\u00e1ny olyan bank, amelyik speci\u00e1lis hitelt\u00edpusk\u00e9nt finansz\u00edroz ak\u00e1r tanya\u00e9p\u00edt\u00e9st, fel\u00faj\u00edt\u00e1st is, vagy seg\u00edt meg\u00e9p\u00edteni az \u00fcd\u00fcl\u0151j\u00e9t (kiz\u00e1r\u00f3lag frekvent\u00e1lt ter\u00fcleten, magas \u00f6ner\u0151vel). Van arra is p\u00e9lda, hogy vegyes funkci\u00f3j\u00fa ingatlan meg\u00e9p\u00edt\u00e9s\u00e9t finansz\u00edrozza a bank. Ezek azonban a kiv\u00e9telek. Nagyon kell ismernie a piacot annak, aki ilyen \u00fcgyletben sikeresen szeretne elj\u00e1rni, ugyanis sz\u0171k a k\u00edn\u00e1lat \u00e9s sokkal kev\u00e9sb\u00e9 lehet biztosra menni. Ha ilyen tervei vannak, akkor kifejezetten azt tan\u00e1csoljuk, hogy keressen ezzel foglalkoz\u00f3 hitelk\u00f6zvet\u00edt\u0151 szakembert, k\u00fcl\u00f6nben lej\u00e1rhatja a l\u00e1b\u00e1t \u00e9s elk\u00f6lthet sz\u00e1zezreket feleslegesen k\u00fcl\u00f6nb\u00f6z\u0151 pr\u00f3b\u00e1lkoz\u00e1sokkal, mire el\u00e9ri a c\u00e9lj\u00e1t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Els\u0151sorban lakoss\u00e1gi jelz\u00e1loghitelekkel foglalkoz\u00f3 k\u00f6zvet\u00edt\u0151 c\u00e9gk\u00e9nt mi a lak\u00e1shiteleken bel\u00fcl csak olyan \u00e9p\u00edt\u00e9si hitelekkel tal\u00e1lkozunk, amelyek c\u00e9lja lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9se. Mi lehetne m\u00e9g, k\u00e9rdezheti. Sok minden, az ingatlan-nyilv\u00e1ntart\u00e1s rengeteg ingatlant\u00edpust megk\u00fcl\u00f6nb\u00f6ztet, de \u00d6nnek fontos tudnia, hogy ha mag\u00e1nszem\u00e9lyk\u00e9nt \u00e9p\u00edt\u00e9si hitelt keres, akkor azt szinte csak lak\u00f3h\u00e1z \u00e9p\u00edt\u00e9s\u00e9re kaphatja meg.\u00a0 Mi nem lak\u00f3h\u00e1z\u00e9p\u00edt\u00e9s akkor? Minden, ami nem [&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-71","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/71","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=71"}],"version-history":[{"count":10,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/71\/revisions"}],"predecessor-version":[{"id":1355,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/71\/revisions\/1355"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}