[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=”4.27.2″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#FFFFFF” text_font_size=”40px” global_colors_info=”{}”]<\/p>\n
Ad\u00f3ss\u00e1grendez\u0151 hitel<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”95%” max_width=”100%” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][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_size=”23px” text_line_height=”1.8em” ul_font=”|600|||||||” ul_text_color=”#E09900″ ul_line_height=”1.8em” hover_enabled=”0″ global_colors_info=”{}” custom_padding=”||0px|||” sticky_enabled=”0″]<\/p>\n
Az ad\u00f3ss\u00e1grendez\u0151 hitel nagyon hasonl\u00edt a hitelkiv\u00e1lt\u00f3 hitelhez. A k\u00fcl\u00f6nbs\u00e9g abban rejlik, hogy m\u00edg a hitelkiv\u00e1lt\u00f3 hitel alatt egy vagy t\u00f6bb jelz\u00e1loghitel kiv\u00e1lt\u00e1s\u00e1t \u00e9rtj\u00fck, az ad\u00f3ss\u00e1grendez\u00e9s enn\u00e9l t\u00e1gabb fogalom, mert enn\u00e9l szinte b\u00e1rmilyen hitel kiv\u00e1lt\u00e1sa sz\u00f3ba j\u00f6het. Az ad\u00f3ss\u00e1grendez\u00e9st legink\u00e1bb akkor szokt\u00e1k haszn\u00e1lni, amennyiben m\u00e1r t\u00fal sokf\u00e9le hitel van egy h\u00e1ztart\u00e1sban vagy azok fizet\u00e9se meghaladja a h\u00e1ztart\u00e1s tehervisel\u0151 k\u00e9pess\u00e9g\u00e9t. Ekkor lehet\u0151s\u00e9g van az \u00f6sszes hitel \u00e9s k\u00f6lcs\u00f6n egy hitell\u00e9 alak\u00edt\u00e1s\u00e1ra az ad\u00f3ss\u00e1grendez\u00e9s keret\u00e9ben.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”95%” max_width=”1920px” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_toggle title=”C\u00e9lja\u00a0” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h1″ body_font_size=”23px” width=”100%” custom_padding=”|||0px||” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
Az ad\u00f3ss\u00e1grendez\u00e9s c\u00e9lja teh\u00e1t alapvet\u0151en t\u00f6bbf\u00e9le megl\u00e9v\u0151 hitel \u00f6sszevon\u00e1sa egy jelz\u00e1loghitell\u00e9. A kiv\u00e1ltand\u00f3 hitelek k\u00f6z\u00f6tt lehet jelz\u00e1loghitel (pl.: lak\u00e1shitel, \u00e9p\u00edt\u00e9si hitel, szabad felhaszn\u00e1l\u00e1s\u00fa hitel) \u00e9s fogyaszt\u00e1si hitel is (szem\u00e9lyi k\u00f6lcs\u00f6n, hitelk\u00e1rtya, stb.). A c\u00e9l: ezeket egyetlen \u2013 jobb felt\u00e9teleket biztos\u00edt\u00f3 – hitellel kiv\u00e1ltani \u00fagy, hogy a havi t\u00f6rleszt\u0151-r\u00e9szlet nagys\u00e1g\u00e1t k\u00f6zben \u00f6sszess\u00e9g\u00e9ben cs\u00f6kkenteni tudjuk a h\u00e1ztart\u00e1s sz\u00e1m\u00e1ra.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”95%” max_width=”1920px” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_toggle title=”Az ad\u00f3ss\u00e1grendez\u0151 hitel felv\u00e9tel\u00e9nek folyamata” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h1″ body_font_size=”23px” width=”100%” custom_padding=”|||0px||” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
Mivel a bankok csak a j\u00f3 ad\u00f3sokb\u00f3l k\u00edv\u00e1nnak \u00e1llom\u00e1nyt \u00e9p\u00edteni, \u00e9rthet\u0151 m\u00f3don csak olyan \u00fcgyf\u00e9l hitelkiv\u00e1lt\u00e1si \u00e9s ad\u00f3ss\u00e1grendez\u0151 sz\u00e1nd\u00e9k\u00e1t fogadj\u00e1k, ahol a kor\u00e1bbi hiteleken tan\u00fas\u00edtott fizet\u00e9si magatart\u00e1s pozit\u00edv \u00e9s megfelel\u0151. K\u00e9sedelmes t\u00f6rleszt\u00e9s\u0171 \u00e9s probl\u00e9m\u00e1s hitelek kiv\u00e1lt\u00e1s\u00e1ra a legt\u00f6bb bankn\u00e1l \u00e1ltal\u00e1ban nincsen lehet\u0151s\u00e9g.<\/p>\n
Ad\u00f3ss\u00e1grendez\u00e9s eset\u00e9n term\u00e9szetesen az \u00f6sszes kiv\u00e1ltand\u00f3 hitelen vizsg\u00e1lja a bank a hitelm\u00faltat, ami n\u00e9hol rendk\u00edv\u00fcli m\u00e9rt\u00e9k\u0171 bek\u00e9rend\u0151 dokument\u00e1ci\u00f3t \u00e9s hosszadalmas adminisztr\u00e1ci\u00f3t jelenthet.<\/p>\n
Ett\u0151l eltekintve az ad\u00f3ss\u00e1grendez\u0151 hitel felv\u00e9tel\u00e9nek folyamata \u00e9s a saj\u00e1toss\u00e1gai szinte teljesen azonosak a hitelkiv\u00e1lt\u00f3 hitel\u00e9vel. Neh\u00e9zs\u00e9ge abban rejlik, hogy ak\u00e1r tucatnyi k\u00fcl\u00f6nb\u00f6z\u0151 szolg\u00e1ltat\u00f3n\u00e1l fenn\u00e1ll\u00f3 hitelt szab\u00e1lyosan leigazolni komoly kitart\u00e1st \u00e9s ut\u00e1nj\u00e1r\u00e1st ig\u00e9nyel.<\/p>\n
Tov\u00e1bb\u00e1 neh\u00e9z amiatt is, mert min\u00e9l t\u00f6bb helyre tartozik valaki, ann\u00e1l nagyobb az es\u00e9lye annak, hogy itt vagy ott k\u00e9sedelembe esik (ezt h\u00edvj\u00e1k a bankok ad\u00f3ss\u00e1gspir\u00e1lnak). Emiatt van egy \u00edratlan bels\u0151 szab\u00e1ly minden bankban arr\u00f3l, hogy egy\u00e1ltal\u00e1n mennyi lehet a kiv\u00e1ltand\u00f3 hitelek darabsz\u00e1ma egy h\u00e1ztart\u00e1sban. K\u00f6zvet\u00edt\u0151k\u00e9nt is a legnehezebb t\u00edpus\u00fa \u00fcgyletek k\u00f6z\u00e9 tartozik az ad\u00f3ss\u00e1grendez\u00e9s, mert ritka az olyan h\u00e1ztart\u00e1s, ahol minden teljesen k\u00e9zben van tartva, m\u00e9gis rengeteg a hitel. \u00c1ltal\u00e1ban \u00e9ri valamilyen hat\u00e1s a h\u00e1ztart\u00e1st, pl. nagyon megemelkedik a t\u00f6rleszt\u0151, kiesik egy j\u00f6vedelem, \u00f6sszeveszik a p\u00e1r, s ut\u00e1na elindul egy er\u00f3zi\u00f3. Emiatt viszont szinte t\u00f6rv\u00e9nyszer\u0171ek a cs\u00fasz\u00e1sok \u00e9s az ilyen-olyan sz\u00e9ps\u00e9gfoltok.<\/p>\n
Mindezen neh\u00e9zs\u00e9gek ellen\u00e9re az Okoshitel v\u00e1llalja ad\u00f3ss\u00e1grendez\u0151 hitelek k\u00f6zvet\u00edt\u00e9s\u00e9t \u00e9s lebonyol\u00edt\u00e1s\u00e1t is. Mindig nagy \u00f6r\u00f6m azt visszahallani, hogy m\u00e9g az utols\u00f3 pillanatban j\u00f6tt\u00fcnk \u00e9s seg\u00edtett\u00fcnk, mert k\u00fcl\u00f6nben ilyen-olyan baj \u00e9rte volna a h\u00e1zat! S t\u00e9nyleg, vannak az\u00e9rt olyan h\u00e1ztart\u00e1sok, amelyeknek egy j\u00f3l kiv\u00e1lasztott ad\u00f3ss\u00e1grendez\u0151 hitel az utols\u00f3 rem\u00e9nysugarat jelenti ugyan, de ha \u00f6sszej\u00f6n, akkor a hitelfelv\u00e9tel seg\u00edts\u00e9g\u00e9vel k\u00e9pesek rendezni soraikat.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”95%” max_width=”100%” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][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_size=”27px” text_line_height=”1.8em” ul_font=”|600|||||||” ul_text_color=”#E09900″ ul_line_height=”1.8em” hover_enabled=”0″ global_colors_info=”{}” custom_padding=”||0px|||” sticky_enabled=”0″]<\/p>\n
M\u00e1sra van sz\u00fcks\u00e9ge?<\/p>\n
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=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][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=”{}” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][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=”{}” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][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=”{}” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][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=”{}” theme_builder_area=”post_content”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
Ad\u00f3ss\u00e1grendez\u0151 hitelAz ad\u00f3ss\u00e1grendez\u0151 hitel nagyon hasonl\u00edt a hitelkiv\u00e1lt\u00f3 hitelhez. A k\u00fcl\u00f6nbs\u00e9g abban rejlik, hogy m\u00edg a hitelkiv\u00e1lt\u00f3 hitel alatt egy vagy t\u00f6bb jelz\u00e1loghitel kiv\u00e1lt\u00e1s\u00e1t \u00e9rtj\u00fck, az ad\u00f3ss\u00e1grendez\u00e9s enn\u00e9l t\u00e1gabb fogalom, mert enn\u00e9l szinte b\u00e1rmilyen hitel kiv\u00e1lt\u00e1sa sz\u00f3ba j\u00f6het. Az ad\u00f3ss\u00e1grendez\u00e9st legink\u00e1bb akkor szokt\u00e1k haszn\u00e1lni, amennyiben m\u00e1r t\u00fal sokf\u00e9le hitel van egy h\u00e1ztart\u00e1sban vagy azok fizet\u00e9se […]<\/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-91","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/91","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=91"}],"version-history":[{"count":5,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/91\/revisions"}],"predecessor-version":[{"id":594,"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/pages\/91\/revisions\/594"}],"wp:attachment":[{"href":"https:\/\/okoshitel.maximumweb.hu\/index.php\/wp-json\/wp\/v2\/media?parent=91"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}