{"id":2557,"date":"2026-08-24T11:26:48","date_gmt":"2026-08-24T11:26:48","guid":{"rendered":"https:\/\/uj.okoshitel.hu\/?p=2557"},"modified":"2026-08-25T06:53:27","modified_gmt":"2026-08-25T06:53:27","slug":"elementor-2557","status":"publish","type":"post","link":"https:\/\/uj.okoshitel.hu\/index.php\/2026\/08\/24\/elementor-2557\/","title":{"rendered":"Milyen lehet\u0151s\u00e9gek \u00e1llnak rendelkez\u00e9sre a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9s finansz\u00edroz\u00e1s\u00e1ra?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2557\" class=\"elementor elementor-2557\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1199eb e-flex e-con-boxed e-con e-parent\" data-id=\"e1199eb\" 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-d5c9cab elementor-widget elementor-widget-spacer\" data-id=\"d5c9cab\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-7a66b21 e-flex e-con-boxed e-con e-parent\" data-id=\"7a66b21\" 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-6178c78 elementor-widget elementor-widget-heading\" data-id=\"6178c78\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Milyen lehet\u0151s\u00e9gek \u00e1llnak rendelkez\u00e9sre a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9s finansz\u00edroz\u00e1s\u00e1ra?\n<\/h2>\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-6d2e3da e-flex e-con-boxed e-con e-parent\" data-id=\"6d2e3da\" 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-f5a5237 elementor-widget elementor-widget-text-editor\" data-id=\"f5a5237\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>2026.08.19. \u00a0 Dr. T\u00f3th Tam\u00e1s<\/strong><\/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-0fb2ece e-flex e-con-boxed e-con e-parent\" data-id=\"0fb2ece\" 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-4f7c517 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4f7c517\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\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-5ab854b e-flex e-con-boxed e-con e-parent\" data-id=\"5ab854b\" 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-c5d0f02 elementor-widget elementor-widget-text-editor\" data-id=\"c5d0f02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Az \u00e1llamilag t\u00e1mogatott, energetikai f\u00f3kusz\u00fa fel\u00faj\u00edt\u00e1si programok (Otthonfel\u00faj\u00edt\u00e1si Program \u00e9s Vid\u00e9ki Otthonfel\u00faj\u00edt\u00e1si Program) kivezet\u00e9s\u00e9vel a csal\u00e1di h\u00e1zak tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9se teljesen \u00faj finansz\u00edroz\u00e1si k\u00f6rnyezetbe ker\u00fclt. Mivel a h\u00e1zasp\u00e1roknak sz\u00f3l\u00f3 CSOK Plusz csak teljesen \u00faj, k\u00fcl\u00f6n bej\u00e1rat\u00fa albet\u00e9t (\u00f6n\u00e1ll\u00f3 lak\u00e1s) kialak\u00edt\u00e1s\u00e1ra ford\u00edthat\u00f3, a megl\u00e9v\u0151 \u00e9letter\u00fcket bels\u0151 l\u00e9pcs\u0151vel b\u0151v\u00edt\u0151knek csak a piaci alap\u00fa finansz\u00edroz\u00e1si lehet\u0151s\u00e9gek maradtak. A legfontosabb azonban adott: ha a b\u0151v\u00edt\u0151k tulajdon\u00e1ban van a f\u00f6ldszint, az \u00f6ner\u0151t maga az ingatlan v\u00e1lthatja ki.<\/b><\/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-c3d92bc e-flex e-con-boxed e-con e-parent\" data-id=\"c3d92bc\" 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-1326d3d elementor-widget elementor-widget-spacer\" data-id=\"1326d3d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-69d5de8 e-flex e-con-boxed e-con e-parent\" data-id=\"69d5de8\" 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-cd1ee52 elementor-widget elementor-widget-heading\" data-id=\"cd1ee52\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A kiindul\u00f3pont: tehermentes vagy terhelt-e az ingatlan (als\u00f3 szint)?<\/h2>\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-f66e8cd e-flex e-con-boxed e-con e-parent\" data-id=\"f66e8cd\" 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-a33cdb3 elementor-widget elementor-widget-text-editor\" data-id=\"a33cdb3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A finansz\u00edroz\u00e1si strat\u00e9gia els\u0151 l\u00e9p\u00e9se az ingatlan jogi st\u00e1tusz\u00e1nak ellen\u0151rz\u00e9se. Az, hogy van-e m\u00e1r jelz\u00e1log a h\u00e1zon, alapjaiban hat\u00e1rozza meg a lehet\u0151s\u00e9geket.<\/p><p>\u00a0<\/p><p><em><b>1. Ha az ingatlan tehermentes<\/b><\/em><\/p><p>Ez a legtiszt\u00e1bb helyzet. B\u00e1r a t\u00f6rv\u00e9nyi maximum az ingatlan aktu\u00e1lis piaci \u00e9rt\u00e9k\u00e9nek 80%-a lenne, a bankok bels\u0151 szab\u00e1lyzata a <b>szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitelekn\u00e9l szigor\u00fabb, \u00e9s jellemz\u0151en a piaci \u00e9rt\u00e9k 60%-\u00e1n\u00e1l megh\u00fazza a plafont<\/b>. Egy <b>150 milli\u00f3 forintot<\/b> \u00e9r\u0151 csal\u00e1di h\u00e1z eset\u00e9ben ez <b>90 milli\u00f3 forintos<\/b> maxim\u00e1lis hitel\u00f6sszeget jelenthet. Ha azonban a tet\u0151t\u00e9r be\u00e9p\u00edt\u00e9s\u00e9nek becs\u00fclt teljes k\u00f6lts\u00e9gvet\u00e9se mondjuk <b>50 milli\u00f3 forint<\/b>, a projekt <b>0 forint \u00f6ner\u0151vel<\/b>, tiszt\u00e1n a megl\u00e9v\u0151 ingatlan fedezet\u00e9re alapozva elind\u00edthat\u00f3, hiszen a finansz\u00edroz\u00e1si ig\u00e9ny bel\u00fcl marad a 60%-os banki korl\u00e1ton.<\/p><p>\u00a0<\/p><p><em><b>2. Ha m\u00e1r van megl\u00e9v\u0151 hitel az ingatlanon<\/b><\/em><\/p><p>Magyarorsz\u00e1gon \u00e9rv\u00e9nyes a <b>z\u00e1logjogi rangsor szab\u00e1lya<\/b>: egy ingatlanra alapesetben nem jegyezhet be m\u00e1sodik helyre jelz\u00e1logot egy m\u00e1sik p\u00e9nzint\u00e9zet, ha az els\u0151 helyen m\u00e1r egy m\u00e1sik bank k\u00f6vetel\u00e9se \u00e1ll (elidegen\u00edt\u00e9si \u00e9s terhel\u00e9si tilalom v\u00e9di a m\u00e1r ott l\u00e9v\u0151 banki hitelez\u0151t). Ez k\u00e9t utat tesz lehet\u0151v\u00e9 emiatt:<\/p><ul><li><b>Bankon bel\u00fcli hitel:<\/b> meg kell vizsg\u00e1lni, hogy a jelenlegi hitelez\u0151 bank k\u00edn\u00e1l-e piaci lak\u00e1sc\u00e9l\u00fa b\u0151v\u00edt\u00e9si vagy szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitelt. Ha igen, a megl\u00e9v\u0151 fedezet szabad \u00e9rt\u00e9k\u00e9nek terh\u00e9re n\u00e1luk ig\u00e9nyelhet\u0151 a kieg\u00e9sz\u00edt\u0151 t\u0151ke. Teh\u00e1t, a fenti p\u00e9ld\u00e1t folytatva, ha van az ingatlanon 30 milli\u00f3 fenn\u00e1ll\u00f3 tartoz\u00e1s, akkor szabad felhaszn\u00e1l\u00e1s\u00fab\u00f3l \u00e9s b\u0151v\u00edt\u00e9sib\u0151l is elf\u00e9rhet m\u00e9g 50 milli\u00f3 is.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li><li><b>Hitelkiv\u00e1lt\u00e1s (Refinansz\u00edroz\u00e1s):<\/b> Ha a jelenlegi bank nem ad plusz forr\u00e1st, vagy nincs megfelel\u0151 term\u00e9ke, egy m\u00e1sik bankhoz kell fordulni. K\u00e9t nagy banknak nincs szabad felhaszn\u00e1l\u00e1s\u00fa hitele \u00e9s b\u0151v\u00edt\u00e9sije se mindnek. Ebben az esetben az \u00faj bank egy nagyobb \u00f6sszeget foly\u00f3s\u00edt: ebb\u0151l <b>els\u0151 l\u00e9p\u00e9sk\u00e9nt v\u00e9gleg kifizeti (kiv\u00e1ltja) a r\u00e9gi hitelt<\/b>, a fennmarad\u00f3 szabad r\u00e9szt pedig \u00e1tutalja a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9sre. Itt m\u00e1ris plusz 1-2 h\u00f3nap \u00e1tfut\u00e1si id\u0151vel \u00e9rdemes sz\u00e1molni.<\/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<div class=\"elementor-element elementor-element-1a9ade0 e-flex e-con-boxed e-con e-parent\" data-id=\"1a9ade0\" 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-5a07827 elementor-widget elementor-widget-spacer\" data-id=\"5a07827\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-3b4e873 e-flex e-con-boxed e-con e-parent\" data-id=\"3b4e873\" 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-2f0466f elementor-widget elementor-widget-heading\" data-id=\"2f0466f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A h\u00e1rom megmaradt finansz\u00edroz\u00e1si \u00fat \u00f6sszehasonl\u00edt\u00e1sa<\/h2>\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-10a553f e-flex e-con-boxed e-con e-parent\" data-id=\"10a553f\" 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-9b4ec76 elementor-widget elementor-widget-text-editor\" data-id=\"9b4ec76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A h\u00e1rom piaci term\u00e9k k\u00f6z\u00fcl \u00fcgyint\u00e9z\u00e9sben, rugalmass\u00e1gban \u00e9s a maxim\u00e1lisan felvehet\u0151 \u00f6sszegben is drasztikusan elt\u00e9r egym\u00e1st\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<div class=\"elementor-element elementor-element-051b133 e-flex e-con-boxed e-con e-parent\" data-id=\"051b133\" 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-832f6d5 elementor-widget elementor-widget-image\" data-id=\"832f6d5\" 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=\"450\" src=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap-1024x576.png\" class=\"attachment-large size-large wp-image-2560\" alt=\"\" srcset=\"https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap-1024x576.png 1024w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap-300x169.png 300w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap-768x432.png 768w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap-1536x864.png 1536w, https:\/\/uj.okoshitel.hu\/wp-content\/uploads\/2026\/08\/tetoter-cikk_honlap.png 1920w\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f51443 e-flex e-con-boxed e-con e-parent\" data-id=\"0f51443\" 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-e734fa7 elementor-widget elementor-widget-spacer\" data-id=\"e734fa7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-3bac2f0 e-flex e-con-boxed e-con e-parent\" data-id=\"3bac2f0\" 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-b884ba2 elementor-widget elementor-widget-heading\" data-id=\"b884ba2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><i>A) Szem\u00e9lyi k\u00f6lcs\u00f6n: a gyors \u00e9s fedezetmentes \u00fat\n<\/i><\/h2>\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-f78f309 e-flex e-con-boxed e-con e-parent\" data-id=\"f78f309\" 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-37922e1 elementor-widget elementor-widget-text-editor\" data-id=\"37922e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A szem\u00e9lyi k\u00f6lcs\u00f6n legnagyobb el\u0151nye az egyszer\u0171s\u00e9g. Mivel nem kell hozz\u00e1 ingatlanfedezet, elmarad az \u00e9rt\u00e9kbecsl\u00e9s \u00e9s a f\u00f6ldhivatali \u00fcgyint\u00e9z\u00e9s, s \u00edgy minden, az ingatlannal kapcsolatos potenci\u00e1lis bonyodalom. A bank napokon bel\u00fcl, <b>egy \u00f6sszegben utalja a p\u00e9nzt<\/b>. H\u00e1tr\u00e1nya a magasabb kamatszint, valamint az, hogy a felvehet\u0151 \u00f6sszeg plafonja \u00e1ltal\u00e1ban 10-15 milli\u00f3 forintn\u00e1l meg\u00e1ll, ami egy 50 milli\u00f3 forintos komolyabb be\u00e9p\u00edt\u00e9sn\u00e9l \u00f6nmag\u00e1ban nem jelent megold\u00e1st. R\u00e1ad\u00e1sul a futamid\u0151 is legfeljebb 7-8 \u00e9v lehet \u00e9s mivel tiszt\u00e1n j\u00f6vedelem alapon adj\u00e1k, egy nagyobb \u00f6sszeghez sz\u00e1mottev\u0151 szabad, terhelhet\u0151 j\u00f6vedelemre is sz\u00fcks\u00e9g van.<span class=\"Apple-converted-space\">\u00a0<\/span><\/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-9bc7adf e-flex e-con-boxed e-con e-parent\" data-id=\"9bc7adf\" 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-01cfbbf elementor-widget elementor-widget-spacer\" data-id=\"01cfbbf\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-6675dc7 e-flex e-con-boxed e-con e-parent\" data-id=\"6675dc7\" 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-a1f055f elementor-widget elementor-widget-heading\" data-id=\"a1f055f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><i>B) Szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitel: a hibrid aranyk\u00f6z\u00e9p\u00fat\n<\/i><\/h2>\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-90380f2 e-flex e-con-boxed e-con e-parent\" data-id=\"90380f2\" 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-ad4d243 elementor-widget elementor-widget-text-editor\" data-id=\"ad4d243\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A saj\u00e1t tulajdon\u00fa als\u00f3 szint birtok\u00e1ban ez az egyik legn\u00e9pszer\u0171bb opci\u00f3, ha a h\u00e1z \u00e9rt\u00e9ke magas. B\u00e1r meg kell felelni a szigor\u00fabb, <b>60%-os ingatlan\u00e9rt\u00e9k-plafonnak<\/b>, egy \u00e9rt\u00e9kesebb h\u00e1zn\u00e1l ez b\u0151ven fedezi a munk\u00e1latokat. A bank nem k\u00e9r se \u00e9p\u00edt\u00e9si terveket, se k\u00f6lts\u00e9gvet\u00e9st, a j\u00f3v\u00e1hagy\u00e1st k\u00f6vet\u0151en a hitel\u00f6sszeget <b>egyben utalj\u00e1k a sz\u00e1ml\u00e1ra<\/b>. Ez megsz\u00fcnteti a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9sek legnagyobb buktat\u00f3j\u00e1t, az <i>el\u0151finansz\u00edroz\u00e1si csapd\u00e1t<\/i>, hiszen a csal\u00e1d azonnal ki tudja fizetni a teljes anyagk\u00f6lts\u00e9get \u00e9s az \u00e1csokat. A szabads\u00e1g \u00e1ra itt a kamatfel\u00e1r: a c\u00e9lzott lak\u00e1shitelekhez k\u00e9pest kb. 1,5-2%-kal magasabb a THM. Itt azonban lehet hossz\u00fa, 20-25 \u00e9ves is a futamid\u0151, 10 \u00e9ves vagy teljes futamid\u0151re r\u00f6gz\u00edtett kamat mellett, teh\u00e1t m\u00e9rs\u00e9kelt vagy kiz\u00e1rt kamatkock\u00e1zattal.<\/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-511dbe3 e-flex e-con-boxed e-con e-parent\" data-id=\"511dbe3\" 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-ade1295 elementor-widget elementor-widget-spacer\" data-id=\"ade1295\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-471bc3d e-flex e-con-boxed e-con e-parent\" data-id=\"471bc3d\" 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-d0a6060 elementor-widget elementor-widget-heading\" data-id=\"d0a6060\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><i>C) B\u0151v\u00edt\u00e9si c\u00e9l\u00fa lak\u00e1shitel: olcs\u00f3, de szakaszos korl\u00e1tokkal\n<\/i><\/h2>\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-0db2b4f e-flex e-con-boxed e-con e-parent\" data-id=\"0db2b4f\" 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-be688b8 elementor-widget elementor-widget-text-editor\" data-id=\"be688b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A legalacsonyabb havi t\u00f6rleszt\u0151r\u00e9szletet ez a konstrukci\u00f3 biztos\u00edtja, de a szab\u00e1lyai k\u00f6t\u00f6ttek: <b>a j\u00f3v\u00e1hagyott hitel\u00f6sszeg fill\u00e9rre pontosan legfeljebb a beny\u00fajtott b\u0151v\u00edt\u00e9si k\u00f6lts\u00e9gvet\u00e9s \u00f6sszege (eset\u00fcnkben 50 milli\u00f3 Ft) lehet<\/b>, abb\u00f3l szabadon egyetlen forint sem k\u00f6lthet\u0151 m\u00e1sra. Sokaknak k\u00f6nnyebbs\u00e9g lehet, hogy <b>sz\u00e1mlabemutat\u00e1sra a legt\u00f6bb bankn\u00e1l m\u00e1r nincs sz\u00fcks\u00e9g<\/b>, a bank kiz\u00e1r\u00f3lag a m\u0171szaki k\u00e9sz\u00fclts\u00e9get figyeli. A p\u00e9nzt azonban <b>szigor\u00faan szakaszosan, ut\u00f3lag foly\u00f3s\u00edtja<\/b>. Ez azt jelenti, hogy az els\u0151 f\u00e1zis munk\u00e1latait (pl. tet\u0151 megbont\u00e1sa, szerkezet\u00e9p\u00edt\u00e9s) meg kell tudni finansz\u00edrozni el\u0151re \u00e9s a bank csak az \u00e9rt\u00e9kbecsl\u0151 helysz\u00edni ellen\u0151rz\u00e9se ut\u00e1n utalja a k\u00f6vetkez\u0151 szakaszra sz\u00e1nt \u00f6sszeget. Kiv\u00e9ve, ha olyan a megl\u00e9v\u0151 szabad ingatlan\u00e9rt\u00e9k, ami engedi ak\u00e1r az \u00f6ner\u0151 n\u00e9lk\u00fcli finansz\u00edroz\u00e1st.<\/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-f4be87f e-flex e-con-boxed e-con e-parent\" data-id=\"f4be87f\" 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-a29e084 elementor-widget elementor-widget-spacer\" data-id=\"a29e084\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-a9a8820 e-flex e-con-boxed e-con e-parent\" data-id=\"a9a8820\" 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-e2a610b elementor-widget elementor-widget-heading\" data-id=\"e2a610b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A legnagyobb buktat\u00f3k: amire kevesen figyelnek az indul\u00e1skor\n<\/h2>\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-3a434f7 e-flex e-con-boxed e-con e-parent\" data-id=\"3a434f7\" 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-60895c5 elementor-widget elementor-widget-text-editor\" data-id=\"60895c5\" 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\u00e9sek saj\u00e1tos jellege miatt \u2013 k\u00fcl\u00f6n\u00f6sen a szakaszos b\u0151v\u00edt\u00e9si hitelekn\u00e9l \u2013 sz\u00e1mos olyan rejtett csapda van, ami teljesen romba d\u00f6ntheti a csal\u00e1di k\u00f6lts\u00e9gvet\u00e9st:<\/p><ul><li><b>Tilos a munk\u00e1t az \u00e9rt\u00e9kbecsl\u00e9s el\u0151tt elkezdeni!<\/b> A legnagyobb hiba leszedni a megl\u00e9v\u0151 tet\u0151t, miel\u0151tt a banki \u00e9rt\u00e9kbecsl\u0151 kiment volna a helysz\u00ednre. A banknak l\u00e1tnia kell a kiindul\u00f3 \u00e1llapotot. Ha a szemle idej\u00e9n m\u00e1r \u00e1ll lakhatatlan az \u00e9p\u00fclet (pl. a tet\u0151 vagy a f\u0171t\u00e9s hi\u00e1nya miatt), a bank elutas\u00edthatja a hitelt vagy nem tudja meg\u00e1llap\u00edtani az indul\u00f3 \u00e9rt\u00e9ket, mert nem tudja fedezetnek elfogadni az ingatlant abban az \u00e1llapot\u00e1ban. S\u0151t, a meglepet\u00e9sek elker\u00fcl\u00e9se v\u00e9gett a t\u00e9nyleges bont\u00e1ssal meg kell v\u00e1rni a hivatalos \u00e9rt\u00e9kbecsl\u00e9si eredm\u00e9nyt, m\u00e9g jobb esetben pedig ak\u00e1r a hitel pozit\u00edv elb\u00edr\u00e1l\u00e1s\u00e1t is.<\/li><li><b>Az akci\u00f3s \u00e9p\u00edt\u0151anyag nem egyenl\u0151 a k\u00e9sz\u00fclts\u00e9gi fokkal.<\/b> B\u0151v\u00edt\u00e9si hiteln\u00e9l a bankot nem \u00e9rdekli, ha a kertben \u00e1ll 10 milli\u00f3 forintnyi akci\u00f3san megv\u00e1s\u00e1rolt h\u0151szigetel\u00e9s vagy cser\u00e9p. A banki \u00e9rt\u00e9kbecsl\u0151 kiz\u00e1r\u00f3lag a <b>be\u00e9p\u00edtett anyagot \u00e9s az elv\u00e9gzett munk\u00e1t<\/b> veszi figyelembe. A foly\u00f3s\u00edt\u00e1s felt\u00e9tele mindig a szerz\u0151d\u00e9sben r\u00f6gz\u00edtett k\u00f6vetkez\u0151 m\u0171szaki k\u00e9sz\u00fclts\u00e9gi fok el\u00e9r\u00e9se. Aki elk\u00f6lti a p\u00e9nz\u00e9t rakt\u00e1ron l\u00e9v\u0151 anyagokra, de nem marad t\u0151k\u00e9je be\u00e9p\u00edteni azokat, annak elakad a projektje.<\/li><li><b>A k\u00f6lts\u00e9gvet\u00e9s merev plafon, nincs menet k\u00f6zbeni emel\u00e9s!<\/b> Ha a bank j\u00f3v\u00e1hagyta a b\u0151v\u00edt\u00e9si hitelt, az az \u00f6sszeg k\u0151be van v\u00e9sve. Ha menet k\u00f6zben kider\u00fcl, hogy a tet\u0151szerkezet m\u00e9gis korhadt, vagy dr\u00e1gultak a burkolatok, <b>a hitel\u00f6sszeget ut\u00f3lag nem, vagy csak nagyon neh\u00e9zkesen (\u00faj k\u00f6lts\u00e9gvet\u00e9s beny\u00fajt\u00e1s\u00e1val, \u00faj b\u00edr\u00e1lattal stb.) lehet megemelni<\/b>. Minden v\u00e1ratlan pluszk\u00f6lts\u00e9get saj\u00e1t zsebb\u0151l kell \u00e1llni, ez\u00e9rt a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9sn\u00e9l a 15-20%-os likvid tartal\u00e9k megl\u00e9te alapfelt\u00e9tel.<\/li><li><b>Ketyeg a hat\u00e1rid\u0151.<\/b> A b\u0151v\u00edt\u00e9si hitelekn\u00e9l a bankok szigor\u00fa hat\u00e1rid\u0151t szabnak meg (jellemz\u0151en 18\u201324 h\u00f3nap) a teljes projekt befejez\u00e9s\u00e9re \u00e9s a haszn\u00e1latbav\u00e9teli tudom\u00e1sulv\u00e9tel megszerz\u00e9s\u00e9re. Ha kics\u00faszik az id\u0151b\u0151l, a bank felmondhatja a hitelszerz\u0151d\u00e9st, ha nem l\u00e1t rem\u00e9nyt a befejez\u00e9sre, ami egyet jelent a szinte azonnali visszafizet\u00e9s k\u00f6telezetts\u00e9g\u00e9vel.<\/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<div class=\"elementor-element elementor-element-f1e82a2 e-flex e-con-boxed e-con e-parent\" data-id=\"f1e82a2\" 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-a8e58a7 elementor-widget elementor-widget-spacer\" data-id=\"a8e58a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-ccc7dae e-flex e-con-boxed e-con e-parent\" data-id=\"ccc7dae\" 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-e3ba531 elementor-widget elementor-widget-heading\" data-id=\"e3ba531\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00d6sszegz\u00e9s \u00e9s javasolt strat\u00e9gia\n<\/h2>\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-32d3cf7 e-flex e-con-boxed e-con e-parent\" data-id=\"32d3cf7\" 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-cf205ab elementor-widget elementor-widget-text-editor\" data-id=\"cf205ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Egy 50 milli\u00f3 forintos tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9s eset\u00e9n a tehermentes vagy hitelkiv\u00e1lt\u00e1ssal szabadd\u00e1 tett als\u00f3 szint jelent\u0151s p\u00e9nz\u00fcgyi stabilit\u00e1st ad. Akik k\u00e9pesek kezelni a szakaszos \u00e9p\u00edtkez\u00e9ssel \u00e9s az ut\u00f3lagos banki foly\u00f3s\u00edt\u00e1ssal j\u00e1r\u00f3 id\u0151beli cs\u00fasz\u00e1sokat, a <i>b\u0151v\u00edt\u00e9si lak\u00e1shitellel<\/i> j\u00e1rnak a legjobban a kedvez\u0151 kamat miatt. Akik viszont el akarj\u00e1k ker\u00fclni a mesteremberek \u00e9s a banki ellen\u0151r\u00f6k k\u00f6z\u00f6tti \u00e1lland\u00f3 egyezked\u00e9st, azoknak a n\u00e9mileg dr\u00e1g\u00e1bb, de egy \u00f6sszegben, azonnal leh\u00edvhat\u00f3 <i>szabad felhaszn\u00e1l\u00e1s\u00fa jelz\u00e1loghitel<\/i> jelentheti a jobb megold\u00e1st. Mert pl. gyorsan emelked\u0151 \u00e9p\u00edt\u0151anyag \u00e1rak mellett vagy sok saj\u00e1t munka eset\u00e9n t\u00f6bbet \u00e9rnek a kezdett\u0151l rendelkez\u00e9sre \u00e1ll\u00f3 \u00e9s rugalmasan felhaszn\u00e1lhat\u00f3 \u00f6sszeggel, mint az alacsonyabb kamattal.<\/b><\/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-deb89da e-flex e-con-boxed e-con e-parent\" data-id=\"deb89da\" 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-5ccff6f elementor-widget elementor-widget-spacer\" data-id=\"5ccff6f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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-697b970 e-flex e-con-boxed e-con e-parent\" data-id=\"697b970\" 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-35e51a5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"35e51a5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\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-a868e17 e-flex e-con-boxed e-con e-parent\" data-id=\"a868e17\" 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-361a8be elementor-widget elementor-widget-text-editor\" data-id=\"361a8be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Amennyiben k\u00e9rd\u00e9se van, vagy szeretn\u00e9 megtudni, melyik finansz\u00edroz\u00e1si megold\u00e1s illeszkedik legjobban az \u00d6n terveihez \u00e9s lehet\u0151s\u00e9geihez, forduljon bizalommal szak\u00e9rt\u0151inkhez!<\/b><\/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-dd9028b e-flex e-con-boxed e-con e-parent\" data-id=\"dd9028b\" 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-d2bb023 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d2bb023\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/okoshitel.hu\/kapcsolat\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kapcsolat<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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-1f519f4 e-flex e-con-boxed e-con e-parent\" data-id=\"1f519f4\" 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-f4abd72 elementor-widget elementor-widget-spacer\" data-id=\"f4abd72\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\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","protected":false},"excerpt":{"rendered":"<p>Milyen lehet\u0151s\u00e9gek \u00e1llnak rendelkez\u00e9sre a tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9s finansz\u00edroz\u00e1s\u00e1ra? 2026.08.19. \u00a0 Dr. T\u00f3th Tam\u00e1s Az \u00e1llamilag t\u00e1mogatott, energetikai f\u00f3kusz\u00fa fel\u00faj\u00edt\u00e1si programok (Otthonfel\u00faj\u00edt\u00e1si Program \u00e9s Vid\u00e9ki Otthonfel\u00faj\u00edt\u00e1si Program) kivezet\u00e9s\u00e9vel a csal\u00e1di h\u00e1zak tet\u0151t\u00e9r-be\u00e9p\u00edt\u00e9se teljesen \u00faj finansz\u00edroz\u00e1si k\u00f6rnyezetbe ker\u00fclt. Mivel a h\u00e1zasp\u00e1roknak sz\u00f3l\u00f3 CSOK Plusz csak teljesen \u00faj, k\u00fcl\u00f6n bej\u00e1rat\u00fa albet\u00e9t (\u00f6n\u00e1ll\u00f3 lak\u00e1s) kialak\u00edt\u00e1s\u00e1ra ford\u00edthat\u00f3, a megl\u00e9v\u0151 \u00e9letter\u00fcket bels\u0151 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2565,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2557","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-esettanulmany"],"_links":{"self":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/posts\/2557","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/comments?post=2557"}],"version-history":[{"count":6,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/posts\/2557\/revisions"}],"predecessor-version":[{"id":2567,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/posts\/2557\/revisions\/2567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media\/2565"}],"wp:attachment":[{"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/media?parent=2557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/categories?post=2557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uj.okoshitel.hu\/index.php\/wp-json\/wp\/v2\/tags?post=2557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}