{"id":77,"date":"2024-05-14T12:35:26","date_gmt":"2024-05-14T12:35:26","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?page_id=77"},"modified":"2025-09-08T13:42:16","modified_gmt":"2025-09-08T13:42:16","slug":"bankoknal-elerheto-epitesi-hitelek","status":"publish","type":"page","link":"https:\/\/uj.okoshitel.hu\/index.php\/bankoknal-elerheto-epitesi-hitelek\/","title":{"rendered":"Bankokn\u00e1l el\u00e9rhet\u0151 \u00e9p\u00edt\u00e9si hitelek"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"77\" class=\"elementor elementor-77\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-276994e e-flex e-con-boxed e-con e-parent\" data-id=\"276994e\" 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-bb853da elementor-widget elementor-widget-heading\" data-id=\"bb853da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Bankokn\u00e1l el\u00e9rhet\u0151 \u00e9p\u00edt\u00e9si hitelek<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab3230 elementor-widget elementor-widget-text-editor\" data-id=\"1ab3230\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<strong>Miben k\u00fcl\u00f6nb\u00f6znek a bankokn\u00e1l el\u00e9rhet\u0151 \u00e9p\u00edt\u00e9si hitelek?<\/strong> \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a49be3e elementor-widget elementor-widget-text-editor\" data-id=\"a49be3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fontos l\u00e1tnia azt is, hogy a hitelek alapvet\u0151 tulajdonos\u00e1gain k\u00edv\u00fcl, mint pl. a THM, kamat, indul\u00f3 k\u00f6lts\u00e9gek, miben t\u00e9rhetnek el egym\u00e1st\u00f3l az egyes bankokn\u00e1l k\u00edn\u00e1lt \u00e9p\u00edt\u00e9si hitelek a hitelfelv\u00e9tel folyamata sor\u00e1n? E szakaszban ezeket a lehets\u00e9ges elt\u00e9r\u00e9seket gy\u0171jt\u00f6tt\u00fck \u00f6ssze:<\/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-2abbc64 e-flex e-con-boxed e-con e-parent\" data-id=\"2abbc64\" 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-76dcc7e e-con-full e-flex e-con e-child\" data-id=\"76dcc7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f11b9e elementor-widget elementor-widget-n-accordion\" data-id=\"6f11b9e\" 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-1160\" 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-1160\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Foly\u00f3s\u00edt\u00e1si szakaszok <\/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-1160\" class=\"elementor-element elementor-element-c12e4ff e-con-full e-flex e-con e-child\" data-id=\"c12e4ff\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1160\" class=\"elementor-element elementor-element-4fc51bc e-flex e-con-boxed e-con e-child\" data-id=\"4fc51bc\" 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-78cd83e elementor-widget elementor-widget-text-editor\" data-id=\"78cd83e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El\u0151re meghat\u00e1rozott szakaszokban (pl. 30-30-30-10%-k\u00e9nt) foly\u00f3s\u00edtja-e a bank az \u00e9p\u00edt\u00e9si hitelt vagy a hitel\u00f6sszeg f\u00fcggv\u00e9ny\u00e9ben az \u00fcgylet elb\u00edr\u00e1l\u00e1s\u00e1t\u00f3l f\u00fcgg\u0151en hat\u00e1rozza meg, hogy mikor milyen \u00fctemekben utal majd.<\/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-cc6ce7d elementor-widget elementor-widget-n-accordion\" data-id=\"cc6ce7d\" 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-2140\" 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-2140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Futamid\u0151-kamat <\/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-2140\" class=\"elementor-element elementor-element-2076205 e-con-full e-flex e-con e-child\" data-id=\"2076205\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2140\" class=\"elementor-element elementor-element-7c93252 e-flex e-con-boxed e-con e-child\" data-id=\"7c93252\" 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-7a60366 elementor-widget elementor-widget-text-editor\" data-id=\"7a60366\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Egyes bankokn\u00e1l az \u00d6n \u00e1ltal v\u00e1lasztott futamid\u0151 v\u00e1ltozatlan marad att\u00f3l m\u00e9g, hogy az \u00e9p\u00edt\u00e9si hitelt t\u00f6bb szakaszban, s nem egyb\u0151l az eg\u00e9szet foly\u00f3s\u00edtja \u00d6nnek a bank, csup\u00e1n annyi t\u00f6rt\u00e9nik, hogy a teljes \u00e9p\u00edt\u00e9si hitel\u00f6sszeg foly\u00f3s\u00edt\u00e1sa ut\u00e1ni t\u00f6rleszt\u0151 megemelkedik, ahogyan azt az <strong>\u00e9p\u00edt\u00e9si hitel jellemz\u0151in\u00e9l<\/strong>\u00a0az \u00e9p\u00edt\u00e9si hitel t\u00fcrelmi idej\u00e9r\u0151l a m\u00e1r leh\u00edvott r\u00e9szek tekintet\u00e9ben m\u00e1r olvashatta. M\u00e1sokn\u00e1l viszont a futamid\u0151 csak akkor indul, amikor a teljes \u00e9p\u00edt\u00e9si hitelt \u00e1tutalta \u00d6nnek a bank, ami miatt kitol\u00f3dik a futamid\u0151, ak\u00e1r 1-2 \u00e9vvel is. Ez alatt az id\u0151szak alatt pedig \u00d6n csak kamatot fizet a banknak az \u00e9p\u00edt\u00e9si hitel ut\u00e1n. Ez azt eredm\u00e9nyezi, hogy az \u00e9p\u00edt\u00e9si hitel\u00e9nek k\u00f6lts\u00e9ge ak\u00e1r jelent\u0151sen, 1-2 \u00e9vi kamattal is megemelkedhet, ami \u00f6nmag\u00e1ban t\u00f6bb milli\u00f3s \u00f6sszeget is el\u00e9rhet az el\u0151bbi esethez k\u00e9pest.<\/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-8f5b6dd elementor-widget elementor-widget-n-accordion\" data-id=\"8f5b6dd\" 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-1500\" 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-1500\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Rendelkez\u00e9sre tart\u00e1si d\u00edj <\/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-1500\" class=\"elementor-element elementor-element-ac3af73 e-con-full e-flex e-con e-child\" data-id=\"ac3af73\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1500\" class=\"elementor-element elementor-element-1ac2cc7 e-flex e-con-boxed e-con e-child\" data-id=\"1ac2cc7\" 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-b1cb920 elementor-widget elementor-widget-text-editor\" data-id=\"b1cb920\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bizonyos bankok k\u00e9rnek rendelkez\u00e9sre tart\u00e1si d\u00edjat \u00e9p\u00edt\u00e9si hitelek eset\u00e9ben, m\u00e1sok pedig nem<\/p><p>\u00c9p\u00edt\u00e9si hitelt csal\u00e1di h\u00e1z \u00e9p\u00edt\u00e9s\u00e9re, valamint emelet, padl\u00e1s-, vagy tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9sre ig\u00e9nyelhet\u00fcnk, amennyiben a munk\u00e1latok r\u00e9v\u00e9n \u00f6n\u00e1ll\u00f3, k\u00fcl\u00f6n bej\u00e1rat\u00fa, \u00f6n\u00e1ll\u00f3an is forgalomk\u00e9pes \u00faj lak\u00e1s j\u00f6n l\u00e9tre.<\/p><p>\u00d6ner\u0151vel szinte minden esetben rendelkezni kell. (Egyik speci\u00e1lis eset, amikor az ig\u00e9nyl\u0151 fel tud aj\u00e1nlani kell\u0151 \u00e9rt\u00e9k\u0171 kieg\u00e9sz\u00edt\u0151 fedezet(ek)et).<\/p><p>A maxim\u00e1lisan ig\u00e9nyelhet\u0151 \u00f6sszeg nem lehet magasabb, mint az \u00e9p\u00edtkez\u00e9s k\u00f6lts\u00e9ge. Ezen t\u00fal forint alap\u00fa hitel eset\u00e9n a hitel \u00f6sszege nem haladhatja meg a fedezet\u00fcl felaj\u00e1nlott ingatlanok forgalmi \u00e9rt\u00e9k\u00e9nek 80%-\u00e1t (ezt jogszab\u00e1ly r\u00f6gz\u00edti), kiv\u00e9telesen 90%-\u00e1t. A hitelbiztos\u00edt\u00e9ki \u00e9rt\u00e9k\u00e9nek egy bizonyos, bank \u00e1ltal meghat\u00e1rozott %-\u00e1t szint\u00e9n nem haladhatja meg az ig\u00e9nyelt hitel\u00f6sszeg, ez a limit bankonk\u00e9nt elt\u00e9r\u0151. A kett\u0151 k\u00f6z\u00fcl az alacsonyabb \u00f6sszeg a m\u00e9rvad\u00f3 maxim\u00e1lis a finansz\u00edrozhat\u00f3s\u00e1g szempontj\u00e1b\u00f3l.<\/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-29ebb6e e-con-full e-flex e-con e-child\" data-id=\"29ebb6e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9aa7c37 elementor-widget elementor-widget-n-accordion\" data-id=\"9aa7c37\" 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-1620\" 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-1620\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6ner\u0151b\u0151l el\u00e9rend\u0151 minim\u00e1lis k\u00e9sz\u00fclts\u00e9gi fok <\/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-1620\" class=\"elementor-element elementor-element-8f8509e e-con-full e-flex e-con e-child\" data-id=\"8f8509e\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1620\" class=\"elementor-element elementor-element-4b01c4b e-flex e-con-boxed e-con e-child\" data-id=\"4b01c4b\" 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-03e0098 elementor-widget elementor-widget-text-editor\" data-id=\"03e0098\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Az egyik legfontosabb szempont, ami alapj\u00e1n mi keresg\u00e9lni szoktunk, az az, hogy van-e olyan k\u00e9sz\u00fclts\u00e9gi fok, amit \u00f6ner\u0151b\u0151l mindenk\u00e9ppen el kell \u00e9rni ahhoz, hogy az \u00e9p\u00edtkez\u00e9s banki finansz\u00edroz\u00e1sa elinduljon? E t\u00e9ren el\u00e9g jelent\u0151s elt\u00e9r\u00e9sek vannak az \u00e9p\u00edt\u00e9si hitelek k\u00f6z\u00f6tt. Az egyik v\u00e9glet egy lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1r\u00e9, amelyik kiz\u00e1r\u00f3lag 60%-os k\u00e9sz\u00fclts\u00e9gi fokt\u00f3l tud \u00e9p\u00edt\u00e9si c\u00e9lra hitelt ny\u00fajtani, az alatt be sem fogadja a hitelk\u00e9relmet. Teszi ezt azzal az indokkal, hogy egyb\u0151l odaadja a teljes \u00f6sszeget, teh\u00e1t nem szakaszosan foly\u00f3s\u00edt. Nem kev\u00e9sb\u00e9 extr\u00e9m p\u00e9lda az\u00e9 a kereskedelmi bank\u00e9, amelyik 40%-os k\u00e9sz\u00fclts\u00e9gi fokot \u00edrt el\u0151 szerz\u0151d\u00e9sk\u00f6t\u00e9si (teh\u00e1t nem foly\u00f3s\u00edt\u00e1si) felt\u00e9telnek, ami annyit tesz, hogy ez alatt ki sem k\u00fcldi az \u00e9rt\u00e9kbecsl\u0151t. Honnan lehet ezt tudni el\u0151re, hogy megvan-e? Ezt csak becs\u00fclni lehet. Ilyen az, amikor egy bank igaz\u00e1b\u00f3l nem akar ilyen hitellel foglalkozni, vagy csak akkor, ha biztosra mehet. Az \u00e1ltal\u00e1nos gyakorlat az, hogy a telek \u00e9s a be\u00e9p\u00edtett \u00f6ner\u0151 mennyit b\u00edr el \u00f6nmag\u00e1ban.<\/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-4389fed elementor-widget elementor-widget-n-accordion\" data-id=\"4389fed\" 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-7080\" 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-7080\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Leend\u0151 ingatlan fekv\u00e9se <\/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-7080\" class=\"elementor-element elementor-element-ec0b951 e-con-full e-flex e-con e-child\" data-id=\"ec0b951\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7080\" class=\"elementor-element elementor-element-e266e89 e-flex e-con-boxed e-con e-child\" data-id=\"e266e89\" 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-c28fc99 elementor-widget elementor-widget-text-editor\" data-id=\"c28fc99\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>M\u00e1sik l\u00e9nyeges sz\u0171r\u00e9si felt\u00e9tel\u00fcnk <strong>\u00e9p\u00edt\u00e9si hitelek k\u00f6zvet\u00edt\u00e9se<\/strong>\u00a0sor\u00e1n, hogy az adott telep\u00fcl\u00e9st mennyire fogadj\u00e1k el a bankok? Ha az ugyanis nagyon kis l\u00e9leksz\u00e1m\u00fa (1-2.000 lakos alatt veszik annak) vagy esetleg valami miatt h\u00e1tr\u00e1nyos helyzet\u0171, akkor eleve kiesik egy csom\u00f3 bank, s \u00f6r\u00fclni kell helyenk\u00e9nt annak is, ha valahol egy\u00e1ltal\u00e1n el tudja \u00e9rni az \u00e9p\u00edt\u00e9si hitel k\u00edv\u00e1nt \u00f6sszeg\u00e9t.<\/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-0c28a4c elementor-widget elementor-widget-n-accordion\" data-id=\"0c28a4c\" 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-1270\" 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-1270\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> K\u00f6lts\u00e9gvet\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-1270\" class=\"elementor-element elementor-element-db2dc63 e-con-full e-flex e-con e-child\" data-id=\"db2dc63\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1270\" class=\"elementor-element elementor-element-3f7e49d e-flex e-con-boxed e-con e-child\" data-id=\"3f7e49d\" 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-d15f0a6 elementor-widget elementor-widget-text-editor\" data-id=\"d15f0a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>K\u00fcl\u00f6nbs\u00e9g az is a bankok k\u00f6z\u00f6tt, hogy k\u00f6lts\u00e9gvet\u00e9st csak az \u00e1ltaluk k\u00e9sz\u00edtett sablon nyomtatv\u00e1nyon fogadnak-e el vagy le lehet adni esetleg egy \u00e1raj\u00e1nlatot is. Szint\u00e9n v\u00e1ltoz\u00f3, hogy a leadott k\u00f6lts\u00e9gvet\u00e9st al\u00e1 kell-e \u00edrnia egy m\u0171szaki szakembernek, \u00e9p\u00edt\u00e9svezet\u0151nek, \u00e9p\u00edt\u00e9sznek vagy laz\u00e1bb bankokn\u00e1l elegend\u0151 az \u00e9p\u00edttet\u0151 al\u00e1\u00edr\u00e1sa r\u00e1, f\u00fcggetlen\u00fcl a v\u00e9gzetts\u00e9g\u00e9t\u0151l.<\/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>Miben k\u00fcl\u00f6nb\u00f6znek a bankokn\u00e1l el\u00e9rhet\u0151 \u00e9p\u00edt\u00e9si hitelek? Fontos l\u00e1tnia azt is, hogy a hitelek alapvet\u0151 tulajdonos\u00e1gain k\u00edv\u00fcl, mint pl. a THM, kamat, indul\u00f3 k\u00f6lts\u00e9gek, miben t\u00e9rhetnek el egym\u00e1st\u00f3l az egyes bankokn\u00e1l k\u00edn\u00e1lt \u00e9p\u00edt\u00e9si hitelek a hitelfelv\u00e9tel folyamata sor\u00e1n? E szakaszban ezeket a lehets\u00e9ges elt\u00e9r\u00e9seket gy\u0171jt\u00f6tt\u00fck \u00f6ssze: Foly\u00f3s\u00edt\u00e1si szakaszok El\u0151re meghat\u00e1rozott szakaszokban (pl. 30-30-30-10%-k\u00e9nt) foly\u00f3s\u00edtja-e 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-77","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/77","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=77"}],"version-history":[{"count":15,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/77\/revisions"}],"predecessor-version":[{"id":1364,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/pages\/77\/revisions\/1364"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}