{"id":41,"date":"2024-05-14T12:27:33","date_gmt":"2024-05-14T12:27:33","guid":{"rendered":"https:\/\/okoshitel.maximumweb.hu\/?page_id=41"},"modified":"2025-03-20T14:03:49","modified_gmt":"2025-03-20T14:03:49","slug":"lakashitel","status":"publish","type":"page","link":"https:\/\/okoshitel.maximumweb.hu\/index.php\/lakashitel\/","title":{"rendered":"Lak\u00e1shitel"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” background_color=”#f39c42″ width=”100%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#FFFFFF” text_font_size=”40px” global_colors_info=”{}”]<\/p>\n

Lak\u00e1shitel<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”1920px” custom_margin=”5px|auto||auto||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”23px” global_colors_info=”{}”]<\/p>\n

Mi az a lak\u00e1shitel?<\/strong><\/h1>\n

Szinte nincsen olyan ember, aki ne hallott volna m\u00e9g lak\u00e1shitelr\u0151l, teh\u00e1t l\u00e1tsz\u00f3lag egy nagyon sz\u00e9les k\u00f6rben ismert \u00e9s haszn\u00e1lt fogalomr\u00f3l van sz\u00f3. A pontos hitelez\u00e9si sz\u00f3haszn\u00e1lat miatt itt mi most k\u00fcl\u00f6n is kit\u00e9r\u00fcnk azonban a lak\u00e1shitel meghat\u00e1roz\u00e1s\u00e1ra.<\/p>\n

A lak\u00e1shitel l\u00e9nyege valamilyen lak\u00e1shoz kapcsol\u00f3d\u00f3 finansz\u00edroz\u00e1si sz\u00fcks\u00e9glet kiel\u00e9g\u00edt\u00e9se.<\/strong><\/p>\n

Ebb\u0151l k\u00f6vetkez\u0151en nem csup\u00e1n lak\u00e1sv\u00e1s\u00e1rl\u00e1s eset\u00e9n besz\u00e9lhet\u00fcnk lak\u00e1shitelr\u0151l, hanem minden egy\u00e9b, lak\u00e1shoz kapcsol\u00f3d\u00f3 beruh\u00e1z\u00e1s eset\u00e9n is: azaz lak\u00e1s vagy h\u00e1z \u00e9p\u00edt\u00e9sekor, b\u0151v\u00edt\u00e9sekor, korszer\u0171s\u00edt\u00e9sekor \u00e9s fel\u00faj\u00edt\u00e1sakor. Ide tartoznak a telekv\u00e1s\u00e1rl\u00e1sra felvehet\u0151 hitelek is. Kakukktoj\u00e1s ugyan egy kicsit ezekhez k\u00e9pest, de a legt\u00f6bb banknak van lak\u00e1shitelt kiv\u00e1lt\u00f3 lak\u00e1shitele is, teh\u00e1t t\u00e1g \u00e9rtelemben m\u00e9g ezeket is lak\u00e1shitelnek vehetj\u00fck.<\/p>\n

A lak\u00e1shitelt t\u00f6bb bankn\u00e1l is lak\u00e1s c\u00e9l\u00fa hitelnek nevezik. Ez egyen\u00e9rt\u00e9k\u0171 a fenti lak\u00e1shitel fogalommal.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”1920px” custom_margin=”5px|auto||auto||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”23px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Melyek a lak\u00e1shitel jellemz\u0151i?<\/strong><\/h1>\n

A lak\u00e1shitel a jelz\u00e1loghiteleken bel\u00fcl a leggyakrabban elfordul\u00f3 hitelt\u00edpus, r\u00e9szesed\u00e9se az \u00f6sszes jelz\u00e1loghitelen bel\u00fcl hossz\u00fa \u00e9vek \u00f3ta kb. 60%-os. A lak\u00e1shitel nem azonos a jelz\u00e1loghitellel, mert egyr\u00e9szt nem minden lak\u00e1shitel biztos\u00edtott jelz\u00e1logjoggal (ez ritka, de a piacon elfordul\u00f3 eset, term\u00e9szetesen csak kisebb \u00f6sszeg\u0171 esetekben, lak\u00e1stakar\u00e9kokn\u00e1l), m\u00e1sr\u00e9szt jelz\u00e1loghitelnek sz\u00e1m\u00edtanak a hitelkiv\u00e1lt\u00e1si c\u00e9l\u00fa, ad\u00f3ss\u00e1grendez\u0151 \u00e9s szabad felhaszn\u00e1l\u00e1s\u00fa hitelek is.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”1920px” global_colors_info=”{}” custom_margin=”5px|auto||auto||”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”A lak\u00e1shitelt – bankt\u00f3l \u00e9s a hitelez\u00e9si piac mindenkori \u00e1llapot\u00e1t\u00f3l f\u00fcggetlen\u00fcl – az \u00f6sszes t\u00f6bbi jelz\u00e1loghitelt\u0151l az al\u00e1bbi h\u00e1rom t\u00e9nyez\u0151 k\u00fcl\u00f6nb\u00f6zteti meg:” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h3″ body_font_size=”23px” width=”100%” custom_padding=”|||0px||” global_colors_info=”{}”]<\/p>\n

    \n
  1. a lak\u00e1shitel eset\u00e9ben \u00e9rheti el mag\u00e1nszem\u00e9lyk\u00e9nt a legmagasabb \u00f6sszeg\u0171 finansz\u00edroz\u00e1st<\/span><\/li>\n
  2. a lak\u00e1shiteleket kaphatja meg a leghosszabb id\u0151re<\/span><\/li>\n
  3. \u00e9s mindig a lak\u00e1shitelek ker\u00fclnek a legkevesebbe<\/span><\/li>\n<\/ol>\n

    [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”1920px” custom_margin=”5px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”23px” global_colors_info=”{}”]<\/p>\n

    Fenti tulajdons\u00e1gai miatt a lak\u00e1shitel kit\u00fcntetett szerepet \u00e9lvez az els\u0151 lak\u00e1shoz jut\u00e1sban, a nagyobb lak\u00e1sba, esetleg h\u00e1zba k\u00f6lt\u00f6z\u00e9s eset\u00e9n, vagy \u00e9ppen \u00f6r\u00f6kl\u00e9s vagy v\u00e1l\u00e1s eset\u00e9n a t\u00f6bbi tulajdonos r\u00e9sz\u00e9nek megv\u00e1s\u00e1rl\u00e1sakor. Egy j\u00f3l megv\u00e1lasztott lak\u00e1shitel alkalmas arra, hogy az egyszerre jelentkez\u0151 nagy \u00f6sszeg\u0171 p\u00e9nzkiad\u00e1st id\u0151ben biztons\u00e1gosan elossza, mik\u00f6zben pont annyi k\u00f6lts\u00e9get \u00e9s kock\u00e1zatot r\u00f3 csak a felvev\u0151j\u00e9re, mint amennyit felt\u00e9tlen\u00fcl musz\u00e1j.<\/p>\n

    Ig\u00e9nyeljen lak\u00e1shitelt most!<\/p>\n

    M\u00e1sra van sz\u00fcks\u00e9ge? N\u00e9zze meg a t\u00f6bbi el\u00e9rhet\u0151 hitel t\u00edpust is!:<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.27.4″ _module_preset=”default” max_width=”1920px” global_colors_info=”{}” custom_margin=”5px|auto||auto||”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_text=”Lak\u00e1shitel” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_color=”#FEA500″ box_shadow_style=”preset4″ box_shadow_color=”#BA1327″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_text=”\u00c9p\u00edt\u00e9si hitel” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_color=”#FEA500″ box_shadow_style=”preset4″ box_shadow_color=”#BA1327″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_text=”Szabadfelhaszn\u00e1l\u00e1s\u00fa hitel” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_color=”#FEA500″ box_shadow_style=”preset4″ box_shadow_color=”#BA1327″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_text=”Ad\u00f3ss\u00e1grendez\u0151 hitel” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_color=”#FEA500″ box_shadow_style=”preset4″ box_shadow_color=”#BA1327″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Lak\u00e1shitelMi az a lak\u00e1shitel? Szinte nincsen olyan ember, aki ne hallott volna m\u00e9g lak\u00e1shitelr\u0151l, teh\u00e1t l\u00e1tsz\u00f3lag egy nagyon sz\u00e9les k\u00f6rben ismert \u00e9s haszn\u00e1lt fogalomr\u00f3l van sz\u00f3. A pontos hitelez\u00e9si sz\u00f3haszn\u00e1lat miatt itt mi most k\u00fcl\u00f6n is kit\u00e9r\u00fcnk azonban a lak\u00e1shitel meghat\u00e1roz\u00e1s\u00e1ra. A lak\u00e1shitel l\u00e9nyege valamilyen lak\u00e1shoz kapcsol\u00f3d\u00f3 finansz\u00edroz\u00e1si sz\u00fcks\u00e9glet kiel\u00e9g\u00edt\u00e9se. Ebb\u0151l k\u00f6vetkez\u0151en nem csup\u00e1n lak\u00e1sv\u00e1s\u00e1rl\u00e1s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-41","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/41","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/comments?post=41"}],"version-history":[{"count":6,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/41\/revisions"}],"predecessor-version":[{"id":610,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/41\/revisions\/610"}],"wp:attachment":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/media?parent=41"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}