{"id":73,"date":"2024-05-14T12:34:43","date_gmt":"2024-05-14T12:34:43","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=73"},"modified":"2026-02-16T17:37:02","modified_gmt":"2026-02-16T17:37:02","slug":"tetoter-beepites","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/tetoter-beepites\/","title":{"rendered":"Tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"73\" class=\"elementor elementor-73\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b81bd1 e-flex e-con-boxed e-con e-parent\" data-id=\"1b81bd1\" 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-6a6c6fb elementor-widget elementor-widget-heading\" data-id=\"6a6c6fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s<\/h1>\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-50fc03e e-flex e-con-boxed e-con e-parent\" data-id=\"50fc03e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-67ff1aa e-con-full e-flex e-con e-child\" data-id=\"67ff1aa\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbf36bd elementor-widget elementor-widget-image\" data-id=\"dbf36bd\" 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-98ac524 elementor-widget elementor-widget-text-editor\" data-id=\"98ac524\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s sor\u00e1n a lak\u00e1s alapter\u00fclet\u00e9nek b\u0151v\u00fcl\u00e9s\u00e9vel egy \u00faj \u00e9p\u00edtm\u00e9nyszint j\u00f6n l\u00e9tre \u00fagy, hogy a tet\u0151szerkezetet nem bontj\u00e1k meg.<\/p><p>A tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s\u00e9re ig\u00e9nyelt hitel az \u00e9p\u00edt\u00e9si hitelek k\u00f6z\u00e9 tartozik, vagyis jellemz\u0151en a lak\u00e1shitelek kond\u00edci\u00f3ival k\u00edn\u00e1lj\u00e1k a bankok.<\/p><p>Az \u00e9p\u00edt\u00e9si hitel a lak\u00e1shitelek leg\u00f6sszetettebb fajt\u00e1ja, mely egyben a legt\u00f6bb dokument\u00e1ci\u00f3t ig\u00e9nyli. A hitelaj\u00e1nlatok r\u00e9szletes \u00e1ttekint\u00e9sekor a hitel k\u00f6zvet\u00edt\u00e9snek itt van szinte a legnagyobb szerepe. Nagyon fontos el\u0151re \u00e9s pontosan l\u00e1tni az adott bank \u00e1ltal k\u00edn\u00e1lt \u00e9p\u00edt\u00e9si hitel felt\u00e9teleit \u00e9s jellemz\u0151it, hogy a beruh\u00e1z\u00e1s \u00fctemez\u00e9se az el\u0151re pontosan kalkul\u00e1lt finansz\u00edroz\u00e1snak k\u00f6sz\u00f6nhet\u0151en kisz\u00e1m\u00edthat\u00f3 legyen.<\/p><p><strong>Hitelk\u00f6zvet\u00edt\u0151 szolg\u00e1ltat\u00e1sunk keret\u00e9ben seg\u00edt\u00fcnk az \u00d6n ig\u00e9nyeinek megfelel\u0151en \u00f6ssze\u00e1ll\u00edtani a legkedvez\u0151bb aj\u00e1nlatokat, majd azok r\u00e9szletes ismertet\u00e9s\u00e9t, a hiteltan\u00e1csad\u00e1st k\u00f6vet\u0151en, a dokument\u00e1ci\u00f3 \u00f6ssze\u00e1ll\u00edt\u00e1s\u00e1n kereszt\u00fcl a teljes banki \u00fcgyint\u00e9z\u00e9st is v\u00e1llaljuk.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1800546 e-con-full e-flex e-con e-child\" data-id=\"1800546\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4034e7 elementor-widget elementor-widget-heading\" data-id=\"b4034e7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Milyen piaci hitel ig\u00e9nyelhet\u0151 tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9sre \u00e9s mik az \u00e1ltal\u00e1nos felt\u00e9telei, jellemz\u0151i?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccd997 elementor-widget elementor-widget-text-editor\" data-id=\"9ccd997\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s enged\u00e9lyk\u00f6teles ill. bejelent\u00e9s k\u00f6teles tev\u00e9kenys\u00e9g, \u00edgy a hitelig\u00e9nyl\u00e9s megkezd\u00e9s\u00e9re rendelkezni kell joger\u0151s \u00e9p\u00edt\u00e9si enged\u00e9llyel ill. bejelent\u00e9ssel. Emellett sz\u00fcks\u00e9ges a tervdokument\u00e1ci\u00f3 \u00e9s k\u00f6lts\u00e9gvet\u00e9s beny\u00fajt\u00e1sa.<\/p><p>Piaci lak\u00e1shitel ig\u00e9nyl\u00e9se eset\u00e9n az ig\u00e9nyl\u0151nek az \u00e9p\u00edtkez\u00e9sr\u0151l sz\u00e1ml\u00e1t nem kell beny\u00fajtania.<\/p><p>A maxim\u00e1lisan ig\u00e9nyelhet\u0151 hitel \u00f6sszeg\u00e9t a h\u00e1ztart\u00e1si adatok (r\u00e9szletesen a Lak\u00e1shitel felt\u00e9telein\u00e9l olvashat r\u00f3luk) mellett a fedezet \u00e9rt\u00e9ke is meghat\u00e1rozza. Tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9sn\u00e9l az \u00e9p\u00edt\u00e9si hitelhez hasonl\u00f3an a banki \u00e9rt\u00e9kbecsl\u0151 n\u00e9gy \u00e9rt\u00e9ket \u00e1llap\u00edt meg: az ingatlan jelenlegi \u00e9s v\u00e1rhat\u00f3 forgalmi ill. hitelbiztos\u00edt\u00e9ki \u00e9rt\u00e9k\u00e9t. Ha m\u00e9g nem kezdte el a tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9st a hitelk\u00e9relme bead\u00e1sakor, akkor a jelenlegi forgalmi ill. hitelbiztos\u00edt\u00e9ki \u00e9rt\u00e9k alatt a kiindul\u00e1sul szolg\u00e1l\u00f3 ingatlan \u00e9rt\u00e9k\u00e9t \u00e9rtik. Ha m\u00e1r elkezdte, akkor benne lesz a f\u00e9lk\u00e9sz tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s aktu\u00e1lis k\u00e9sz\u00fclts\u00e9gi foka is, annak \u00e9rt\u00e9k\u00e9vel egy\u00fctt. Javaslatunk, hogy \u00f3vatosan becs\u00fclje meg ingatlana \u00e9rt\u00e9ket a mostani ingatlanpiaci k\u00f6rnyezetben. F\u0151leg az\u00e9rt, mert az \u00d6n elk\u00e9pzel\u00e9se az ingatlan jelenlegi forgalmi \u00e9rt\u00e9k\u00e9r\u0151l er\u0151sen elt\u00e9rhet annak t\u00e9nyleges forgalmi \u00e9rt\u00e9k\u00e9t\u0151l, teh\u00e1t amennyi\u00e9rt z\u00e1ros hat\u00e1rid\u0151n (6 h\u00f3napon) bel\u00fcl el tudn\u00e1 azt adni, hiszen elk\u00e9pzel\u00e9se nem m\u00e9retik meg a piacon, val\u00f3s vev\u0151jel\u00f6ltekkel szemben. De ha sz\u00e9tn\u00e9z k\u00f6r\u00fcltekint\u0151en internetes port\u00e1lokon vagy felh\u00edv p\u00e1r k\u00f6rny\u00e9kbeli ingatlanost, akkor be tudja l\u0151ni az \u00e9rt\u00e9k\u00e9t. Kev\u00e9sb\u00e9 kell e tekintetben \u00f3vatosnak lennie, ha az \u00e9p\u00edtkez\u00e9s megkezd\u00e9se el\u0151tt k\u00f6zvetlen\u00fcl v\u00e1s\u00e1rolta meg norm\u00e1l piaci k\u00f6r\u00fclm\u00e9nyek k\u00f6z\u00f6tt (teh\u00e1t pl. nem csal\u00e1don bel\u00fcl jut\u00e1nyos \u00e1ron).<\/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>Tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s sor\u00e1n a lak\u00e1s alapter\u00fclet\u00e9nek b\u0151v\u00fcl\u00e9s\u00e9vel egy \u00faj \u00e9p\u00edtm\u00e9nyszint j\u00f6n l\u00e9tre \u00fagy, hogy a tet\u0151szerkezetet nem bontj\u00e1k meg. A tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s\u00e9re ig\u00e9nyelt hitel az \u00e9p\u00edt\u00e9si hitelek k\u00f6z\u00e9 tartozik, vagyis jellemz\u0151en a lak\u00e1shitelek kond\u00edci\u00f3ival k\u00edn\u00e1lj\u00e1k a bankok. Az \u00e9p\u00edt\u00e9si hitel a lak\u00e1shitelek leg\u00f6sszetettebb fajt\u00e1ja, mely egyben a legt\u00f6bb dokument\u00e1ci\u00f3t ig\u00e9nyli. A hitelaj\u00e1nlatok r\u00e9szletes \u00e1ttekint\u00e9sekor a [&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-73","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/73","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=73"}],"version-history":[{"count":13,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/73\/revisions"}],"predecessor-version":[{"id":2227,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/73\/revisions\/2227"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}