{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/hu\/jelzaloghitel-vs-hitel-az-epitesi-megoldasok\/","title":{"rendered":"Jelz\u00e1loghitel vs. \u00e9p\u00edt\u0151ipari hitel"},"content":{"rendered":"<p>A jelz\u00e1loghitel \u00e9s a lak\u00e1shitel ingatlanv\u00e1s\u00e1rl\u00e1shoz kapcsol\u00f3d\u00f3 p\u00e9nz\u00fcgyi term\u00e9kek. A lak\u00e1sok, h\u00e1zak \u00e9s \u00e9p\u00edt\u00e9si telkek \u00e9rdekesek <a href=\"https:\/\/regbu.com\/hu\/befektetesi-lehetosegek-az-egesz-gazdag\/\"><strong>befektet\u00e9si lehet\u0151s\u00e9gek<\/strong><\/a>. Ha saj\u00e1t otthonr\u00f3l \u00e1lmodik, de nincs el\u00e9g p\u00e9nze, alapvet\u0151en h\u00e1rom lehet\u0151s\u00e9g \u00e1ll az \u00d6n rendelkez\u00e9s\u00e9re, amelyeket a k\u00f6vetkez\u0151 sorokban r\u00e9szletesebben t\u00e1rgyalunk.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jelz\u00e1loghitel<\/li>\n\n\n\n<li>\u00e1thidal\u00f3 k\u00f6lcs\u00f6n<\/li>\n\n\n\n<li>Megfelel\u0151 \u00e9p\u00edt\u0151ipari hitel<\/li>\n<\/ul>\n\n\n\n<p>Ezekkel a hitelterm\u00e9kekkel nem csak az ingatlanv\u00e1s\u00e1rl\u00e1st finansz\u00edrozhatja. Sz\u00e1mos m\u00e1s megold\u00e1s is rendelkez\u00e9sre \u00e1ll a k\u00f6vetkez\u0151k form\u00e1j\u00e1ban <strong>rekonstrukci\u00f3 \u00e9s korszer\u0171s\u00edt\u00e9s<\/strong>. A csal\u00e1di h\u00e1z teljes fel\u00e9p\u00edt\u00e9se \u00e9s a h\u00e1zast\u00e1rsak vagyonrendez\u00e9se egy k\u00fcl\u00f6n fejezet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A jelz\u00e1loghitelek el\u00e9rhet\u0151s\u00e9ge egyre rosszabb<\/h2>\n\n\n\n<p>El\u0151sz\u00f6r is n\u00e9zz\u00fck meg az ingatlanfinansz\u00edroz\u00e1st egy kicsit \u00e1ltal\u00e1nosabban. A jelz\u00e1loghitel-boom nyilv\u00e1nval\u00f3an id\u0151vonalhoz k\u00f6t\u00f6tt. El\u00e9g csak megn\u00e9zni az el\u0151z\u0151 \u00e9veket \u00e9s az ingatlan\u00e1rak alakul\u00e1s\u00e1t, amelyek a kamatl\u00e1bak alakul\u00e1s\u00e1hoz \u00e9s a potenci\u00e1lis \u00fcgyfelek \u00e9rdekl\u0151d\u00e9s\u00e9hez is kapcsol\u00f3dnak. Megn\u00e9zhetj\u00fck p\u00e9ld\u00e1ul a kor\u00e1bbi \u00e9vekre vonatkoz\u00f3 t\u00f6rt\u00e9nelmi adatokat a Cseh K\u00f6zt\u00e1rsas\u00e1gban.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c9v<\/strong><\/td><td><strong>Kamatl\u00e1b<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Hogyan alakultak a jelz\u00e1loghitelek kamatai a Cseh K\u00f6zt\u00e1rsas\u00e1gban az elm\u00falt \u00e9vekben?<\/figcaption><\/figure>\n\n\n\n<p>Az \u00e9p\u00edt\u0151sz\u00f6vetkezeti hitel \u00e1ltal\u00e1ban <em>a kamatl\u00e1b tekintet\u00e9ben a jelz\u00e1loghitellel versenyez<\/em>. Nagy k\u00fcl\u00f6nbs\u00e9gekre biztosan nem sz\u00e1m\u00edthat. Ezek ink\u00e1bb magukkal a term\u00e9kekkel kapcsolatosak. Mindegyiknek vannak bizonyos el\u0151nyei \u00e9s h\u00e1tr\u00e1nyai.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jelz\u00e1loghitel egy bankt\u00f3l<\/h3>\n\n\n\n<p>Ebben a cikkben egy banki int\u00e9zm\u00e9ny \u00e1ltal ny\u00fajtott jelz\u00e1loghitelre \u00f6sszpontos\u00edtunk. Term\u00e9szetesen vannak a piacon nem banki c\u00e9gek is, amelyek nagyobb \u00f6sszegeket k\u00edn\u00e1lnak. Ezek azonban \u00e1ltal\u00e1ban magas kamatl\u00e1bakkal \u00e9s kedvez\u0151tlen t\u00f6rleszt\u00e9si felt\u00e9telekkel j\u00e1rnak.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A takar\u00e9ksz\u00f6vetkezeti hitelt a takar\u00e9kp\u00e9nzt\u00e1rak ny\u00fajtj\u00e1k, \u00e9s ez az egyik meghat\u00e1roz\u00f3 term\u00e9k a portf\u00f3li\u00f3jukban. <\/p>\n<cite>Barbara S., banki alkalmazott.<\/cite><\/blockquote>\n\n\n\n<p>A cikk bevezet\u0151j\u00e9ben eml\u00edtett \u00e1thidal\u00f3 k\u00f6lcs\u00f6n szorosan kapcsol\u00f3dik a rendszeres \u00e9p\u00edt\u0151ipari hitelhez. <strong>Ez\u00e9rt a takar\u00e9kp\u00e9nzt\u00e1rak term\u00e9kk\u00f6r\u00e9be tartozik.<\/strong>. De err\u0151l b\u0151vebben a k\u00f6vetkez\u0151 sorokban.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">A jelz\u00e1loghitelb\u0151l sz\u00e1rmaz\u00f3 p\u00e9nz els\u0151sorban csal\u00e1di ingatlan finansz\u00edroz\u00e1s\u00e1ra haszn\u00e1lhat\u00f3 fel.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jelz\u00e1loghitel \u00e9s minden, ami ezzel kapcsolatos<\/h2>\n\n\n\n<p>A jelz\u00e1loghitelt val\u00f3sz\u00edn\u0171leg nem kell r\u00e9szletesen bemutatni. A kev\u00e9sb\u00e9 j\u00e1ratosak sz\u00e1m\u00e1ra azonban van egy r\u00f6vid defin\u00edci\u00f3. Ez egy olyan hossz\u00fa t\u00e1v\u00fa hitelt\u00edpus, amely egy ingatlanra vonatkoz\u00f3 jelz\u00e1logjogot foglal mag\u00e1ban. \u00c1ltal\u00e1ban a finansz\u00edrozott ingatlanr\u00f3l van sz\u00f3, de ez al\u00f3l nem kiv\u00e9telek a harmadik f\u00e9l tulajdon\u00e1ban l\u00e9v\u0151 ingatlanok sem.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Az ingatlan \u00e9rt\u00e9k\u00e9nek meg kell egyeznie a jelz\u00e1loghitel \u00f6sszeg\u00e9vel.<\/li>\n\n\n\n<li>T\u00f6bb k\u00fcl\u00f6nb\u00f6z\u0151 t\u00edpus\u00fa ingatlanra lehet garanci\u00e1t v\u00e1llalni<\/li>\n\n\n\n<li>Harmadik felek eset\u00e9ben az \u0151 hozz\u00e1j\u00e1rul\u00e1suk sz\u00fcks\u00e9ges.<\/li>\n<\/ul>\n\n\n\n<p>Ha valaki m\u00e1s v\u00e1llal garanci\u00e1t a megv\u00e1s\u00e1rolt ingatlanra, <em>az \u00d6n fizet\u00e9sk\u00e9ptelens\u00e9g\u00e9vel kapcsolatos k\u00f6telezetts\u00e9gek \u00e1tker\u00fclnek r\u00e1.<\/em>. Ez azt jelenti, hogy ha \u00d6n nem fizeti ki id\u0151ben a jelz\u00e1loghitel\u00e9t, akkor a harmadik f\u00e9l az, aki bajba ker\u00fclhet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A jelz\u00e1loghitel el\u0151nyei<\/h3>\n\n\n\n<p>El\u0151sz\u00f6r is \u00f6sszpontos\u00edtsunk arra, hogy milyen profik lepik meg a jelz\u00e1loghitellel. Ennek a hitelterm\u00e9knek t\u00f6bb mint el\u00e9g pozit\u00edv tulajdons\u00e1ga van. Ha a legelej\u00e9n kezdj\u00fck, akkor l\u00e9nyeg\u00e9ben az egyik legegyszer\u0171bb \u00e9s legkedvez\u0151bb \u00e1r\u00fa hitel, amely b\u00e1rmilyen t\u00edpus\u00fa ingatlan megszerz\u00e9s\u00e9re alkalmas.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>T\u00e1rgy:<\/strong><\/td><td><strong>\u00c9rt\u00e9k<\/strong><\/td><\/tr><tr><td>Befektet\u00e9si c\u00e9l\u00fa ingatlan<\/td><td>Igen<\/td><\/tr><tr><td>\u00dczleti ingatlan<\/td><td>Igen<\/td><\/tr><tr><td>Az \u00d6n tulajdon\u00e1ban l\u00e9v\u0151 ingatlan<\/td><td>Igen<\/td><\/tr><tr><td>R\u00f6gz\u00edt\u00e9si id\u0151<\/td><td>Egy \u00e9vt\u0151l t\u00f6bb \u00e9vig<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Tudja, hogy mire haszn\u00e1lhatja fel a jelz\u00e1loghitelb\u0151l kapott p\u00e9nzt?<\/figcaption><\/figure>\n\n\n\n<p>Mint ilyen, a jelz\u00e1loghitel els\u0151sorban csal\u00e1di \u00e9s szabadid\u0151s ingatlanok v\u00e1s\u00e1rl\u00e1s\u00e1ra szolg\u00e1l. \u00dczleti ingatlanok megszerz\u00e9s\u00e9hez kiss\u00e9 m\u00f3dos\u00edtott jelz\u00e1loghitelt kell v\u00e1lasztani. Ami a r\u00f6gz\u00edt\u00e9si id\u0151szakot illeti, az \u00e9rv\u00e9nyess\u00e9gi idej\u00e9re r\u00f6gz\u00edtett kamatl\u00e1b form\u00e1j\u00e1ban jelent biztos\u00edt\u00e9kot. Ez tarthat egy \u00e9vig, h\u00e1rom \u00e9vig, \u00f6t \u00e9vig vagy tov\u00e1bb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A jelz\u00e1loghitel h\u00e1tr\u00e1nyai<\/h3>\n\n\n\n<p>Ami az egyiknek el\u0151ny\u00f6s, nem biztos, hogy a m\u00e1siknak is az. Ez\u00e9rt ismernie kell a jelz\u00e1loghitellel j\u00e1r\u00f3 negat\u00edvumokat is. <strong>P\u00e9ld\u00e1ul figyelembe kell vennie egy viszonylag hossz\u00fa id\u0151re sz\u00f3l\u00f3 hitelny\u00fajt\u00e1si k\u00f6telezetts\u00e9get.<\/strong>. Ez ut\u00f3bbi leggyakrabban h\u00fasz \u00e9s harminc \u00e9v k\u00f6z\u00f6tti. K\u00e9sz\u00fclj\u00f6n fel arra, hogy az \u00fcgyint\u00e9z\u00e9s egy kicsit hossz\u00fara ny\u00falik.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A jelz\u00e1loghitelhez megfelel\u0151 \u00f6sszeget kell megtakar\u00edtania. Ez \u00e1ltal\u00e1ban az ingatlan \u00e9rt\u00e9k\u00e9nek k\u00f6r\u00fclbel\u00fcl 20 %-je.<\/p>\n<cite>Olivia S., banki alkalmazott.<\/cite><\/blockquote>\n\n\n\n<p>Att\u00f3l f\u00fcgg\u0151en, hogy milyen jelz\u00e1loghitelt v\u00e1laszt, figyelembe kell vennie a term\u00e9khez kapcsol\u00f3d\u00f3 d\u00edjakat is. Ugyanakkor legyen tiszt\u00e1ban azzal, hogy nem minden ingatlan alkalmas jelz\u00e1loghitel felv\u00e9tel\u00e9re.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Ha jelz\u00e1loghitel ir\u00e1nt \u00e9rdekl\u0151dik, el kell mennie egy bankba.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9p\u00edt\u00e9si Takar\u00e9khitel<\/h2>\n\n\n\n<p>\u00c9s mi a jelz\u00e1loghitel legnagyobb versenyt\u00e1rsa? A lak\u00e1shitel. Ahogy a neve is mutatja, ez egy olyan \u00e9p\u00edt\u0151ipari hitel, amelyb\u0151l \u00d6n k\u00e9s\u0151bb felveheti a k\u00edv\u00e1nt hitelt. Ehhez azonban megfelel\u0151 \u00f6sszeget kell megtakar\u00edtania. Ugyanakkor egy ideje m\u00e1r megtakar\u00edt\u00e1ssal kell rendelkeznie.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal\u00e1bb 2 \u00e9ves megtakar\u00edt\u00e1si id\u0151szak<\/li>\n\n\n\n<li>Megtakar\u00edtott \u00f6sszeg 30-60 %<\/li>\n\n\n\n<li>\u00e1thidal\u00f3 k\u00f6lcs\u00f6n<\/li>\n<\/ul>\n\n\n\n<p>Ez az \u00e1thidal\u00f3 k\u00f6lcs\u00f6n akkor vehet\u0151 ig\u00e9nybe, ha <em>a felt\u00e9telek alapj\u00e1n nem jogosult rendes \u00e9p\u00edt\u0151ipari hitelre<\/em>. Ugyanakkor van n\u00e9h\u00e1ny h\u00e1tr\u00e1nya is, amelyeket a k\u00f6vetkez\u0151 fejezetekben t\u00e1rgyalunk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Az \u00e9p\u00edt\u0151ipari hitel el\u0151nyei<\/h2>\n\n\n\n<p>Kezdj\u00fck ism\u00e9t a pozit\u00edvummal, hogy mit k\u00edn\u00e1l egy \u00e9p\u00edt\u0151ipari hitel. Bizonyos ter\u00fcleteken m\u00e9g a jelz\u00e1loghitelt is fel\u00fclm\u00falja. P\u00e9ld\u00e1ul alacsonyabb \u00f6sszegek eset\u00e9n elker\u00fclhet\u0151, hogy az ingatlanra kezess\u00e9get v\u00e1llaljon, vagy kezest tal\u00e1ljon. Nagyobb \u00f6sszegek eset\u00e9n term\u00e9szetesen ugyan\u00fagy kell kezess\u00e9get v\u00e1llalnia, mint a jelz\u00e1loghitel eset\u00e9ben.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>T\u00e1rgy:<\/strong><\/td><td><strong>\u00c9rt\u00e9k<\/strong><\/td><\/tr><tr><td>Kamatl\u00e1b<\/td><td>Ugyanez a teljes futamid\u0151 alatt<\/td><\/tr><tr><td>Lej\u00e1rati id\u0151<\/td><td>Legfeljebb 30 \u00e9v<\/td><\/tr><tr><td>Megtakar\u00edt\u00e1s<\/td><td>\u00c1llami t\u00e1mogat\u00e1s \u00e9s kamatl\u00e1bak<\/td><\/tr><tr><td>Alternat\u00edv<\/td><td>\u00e1thidal\u00f3 k\u00f6lcs\u00f6n<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Az \u00e9p\u00edt\u0151ipari hitel sz\u00e1mos \u00e9rdekes el\u0151nnyel \u00e9s haszonnal j\u00e1r.<\/figcaption><\/figure>\n\n\n\n<p>Meg kell eml\u00edteni azt a t\u00e9nyt is, hogy a jelz\u00e1loghitel ig\u00e9nyl\u00e9s\u00e9n\u00e9l a f\u00e9lretett \u00e9s a megtakar\u00edt\u00e1sok r\u00e9v\u00e9n fel\u00e9rt\u00e9kel\u0151d\u00f6tt p\u00e9nzeszk\u00f6z\u00f6ket is figyelembe veszik. A k\u00e9t term\u00e9k teh\u00e1t bizonyos ter\u00fcleteken n\u00e9mileg \u00f6sszefon\u00f3dik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mi\u00e9rt v\u00e1lasszon ink\u00e1bb jelz\u00e1loghitelt?<\/h3>\n\n\n\n<p>\u00c9s most a negat\u00edvum, amit k\u00edn\u00e1l <strong>\u00e9p\u00edt\u0151ipari hitel<\/strong>. \u00c1ltal\u00e1ban magasabb kamatl\u00e1bakkal j\u00e1r, ami k\u00e9tszeresen igaz az \u00e1thidal\u00f3 k\u00f6lcs\u00f6nre. Eset\u00e9ben l\u00e9nyeg\u00e9ben addig fizet kamatot, am\u00edg nem teljes\u00edti a rendszeres k\u00f6lcs\u00f6n felt\u00e9teleit.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A lak\u00e1s-takar\u00e9kp\u00e9nzt\u00e1ri hitel keret\u00e9ben az \u00fcgyfelek alacsonyabb \u00f6sszegeket kapnak, mint jelz\u00e1loghitel keret\u00e9ben. <\/p>\n<cite>Madison L., banki alkalmazott.<\/cite><\/blockquote>\n\n\n\n<p>Ezenk\u00edv\u00fcl egyes takar\u00e9ksz\u00f6vetkezetek arra k\u00e9nyszer\u00edtik \u00d6nt, hogy a takar\u00e9ksz\u00f6vetkezet egy m\u00e1sik term\u00e9k\u00e9re vonatkoz\u00f3 szerz\u0151d\u00e9s megk\u00f6t\u00e9s\u00e9vel megfelel\u0151 k\u00f6lcs\u00f6nt vegyen fel a takar\u00e9ksz\u00f6vetkezett\u0151l. Azt is figyelembe kell vennie, hogy ez egy speci\u00e1lis c\u00e9l\u00fa hitel, ahol igazolnia kell, hogy hogyan finansz\u00edrozta a p\u00e9nzeszk\u00f6z\u00f6ket.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">A lak\u00e1shitelnek \u00e9s a jelz\u00e1loghitelnek ugyanaz a c\u00e9lja: az otthon megszerz\u00e9se.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jelz\u00e1loghitel vagy \u00e9p\u00edt\u00e9si hitel?<\/h2>\n\n\n\n<p>Erre a k\u00e9rd\u00e9sre val\u00f3sz\u00edn\u0171leg nem lehet egy\u00e9rtelm\u0171 v\u00e1laszt adni. Mindannyiunknak kiss\u00e9 elt\u00e9r\u0151 ig\u00e9nyei vannak az ingatlanbefektet\u00e9sekkel kapcsolatban. R\u00e1ad\u00e1sul sokunknak elt\u00e9r\u0151ek az \u00e9letk\u00f6r\u00fclm\u00e9nyei \u00e9s az anyagi k\u00f6r\u00fclm\u00e9nyei is. <em>Egyesek sz\u00e1m\u00e1ra a jelz\u00e1loghitel, m\u00edg m\u00e1soknak a megfelel\u0151 \u00e9p\u00edt\u0151ipari hitel felel meg.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">K\u00e9rd\u00e9sek \u00e9s v\u00e1laszok<\/h3>\n\n\n\n<p>Ha m\u00e9g mindig nem tudja, melyik hitelterm\u00e9k a megfelel\u0151 az \u00d6n sz\u00e1m\u00e1ra saj\u00e1t ingatlan\u00e1nak finansz\u00edroz\u00e1s\u00e1hoz, olvassa el az al\u00e1bbi sorokat. A GYIK-ekb\u0151l megtudhatja, amit tudnia kell, \u00e9s megk\u00f6nny\u00edtheti d\u00f6nt\u00e9s\u00e9t.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">Mire haszn\u00e1lhatok \u00e9p\u00edt\u0151ipari hitelt?<\/strong> <p class=\"schema-faq-answer\">Haszn\u00e1lhatja telekv\u00e1s\u00e1rl\u00e1s, h\u00e1z\u00e9p\u00edt\u00e9s, ingatlanv\u00e1s\u00e1rl\u00e1s finansz\u00edroz\u00e1s\u00e1ra, de \u00fajj\u00e1\u00e9p\u00edt\u00e9sre vagy \u00f6r\u00f6k\u00f6s\u00f6d\u00e9si elj\u00e1r\u00e1s rendez\u00e9s\u00e9re is.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">Mi a helyzet a lak\u00e1shitel c\u00e9l\u00f6sszeg\u00e9vel?<\/strong> <p class=\"schema-faq-answer\">A szerz\u0151d\u00e9s al\u00e1\u00edr\u00e1sakor c\u00e9l\u00f6sszeget hat\u00e1roz meg. Ezut\u00e1n legal\u00e1bb 30-50 %-t kell megtakar\u00edtania. A fennmarad\u00f3 \u00f6sszeget a takar\u00e9ksz\u00f6vetkezet rendszeres hitel form\u00e1j\u00e1ban k\u00f6lcs\u00f6nadja \u00d6nnek.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Vannak-e a jelz\u00e1loghitelhez kapcsol\u00f3d\u00f3 extra d\u00edjak?<\/strong> <p class=\"schema-faq-answer\">Igen, lehetnek jelz\u00e1loghitel-rendez\u00e9si d\u00edjak. Az ingatlan \u00e9rt\u00e9kbecsl\u00e9se nem kiv\u00e9tel. A bankok azt is megk\u00f6vetelik, hogy nemteljes\u00edt\u00e9si biztos\u00edt\u00e1st k\u00f6ss\u00f6n.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Lehets\u00e9ges-e kor\u00e1bban visszafizetni a lak\u00e1shitelt vagy a lak\u00e1s\u00e9p\u00edt\u00e9si t\u00e1rsas\u00e1gt\u00f3l felvett k\u00f6lcs\u00f6nt?<\/strong> <p class=\"schema-faq-answer\">Igen, van ilyen lehet\u0151s\u00e9ge. Egy jelz\u00e1loghitel eset\u00e9ben azonban a r\u00f6gz\u00edt\u00e9si id\u0151szak v\u00e9g\u00e9n \u00e1ltal\u00e1ban meg\u00e9ri. Ellenkez\u0151 esetben ugyanis extra k\u00f6tb\u00e9rt fizethet.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Lehet-e ezeket a term\u00e9keket r\u00e9gi hitelek refinansz\u00edroz\u00e1s\u00e1ra is haszn\u00e1lni?<\/strong> <p class=\"schema-faq-answer\">Igen, a jelz\u00e1loghitel \u00e9s a lak\u00e1shitel is szolg\u00e1lhatja ezeket a c\u00e9lokat. De az eredeti hiteleknek lak\u00e1sc\u00e9l\u00fanak kell lenni\u00fck.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jelz\u00e1loghitel \u00e9s lak\u00e1stulajdon<\/h3>\n\n\n\n<p>Ak\u00e1r jelz\u00e1loghitel, ak\u00e1r \u00e9p\u00edt\u00e9si hitel mellett d\u00f6nt, pr\u00f3b\u00e1ljon meg nem b\u00f3lintani az els\u0151 aj\u00e1nlatra. T\u00f6bb mint el\u00e9g szolg\u00e1ltat\u00f3 van ezeknek a szolg\u00e1ltat\u00e1soknak a k\u00edn\u00e1lat\u00e1ban. Ez\u00e9rt \u00e9rdemes <strong>\u00f6sszehasonl\u00edtani az egyes term\u00e9keket<\/strong> \u00e9s v\u00e1lassza ki az \u00d6n ig\u00e9nyeinek legmegfelel\u0151bb \u00e9s legel\u0151ny\u00f6sebbet. A jelz\u00e1loghitelek k\u00f6lts\u00e9gei igen nagym\u00e9rt\u00e9kben v\u00e1ltozhatnak.<\/p>","protected":false},"excerpt":{"rendered":"<p>A jelz\u00e1loghitel \u00e9s a lak\u00e1shitel ingatlanv\u00e1s\u00e1rl\u00e1shoz kapcsol\u00f3d\u00f3 p\u00e9nz\u00fcgyi term\u00e9kek. A lak\u00e1sok, h\u00e1zak \u00e9s \u00e9p\u00edt\u00e9si telkek \u00e9rdekes befektet\u00e9si lehet\u0151s\u00e9geket jelentenek. Ha saj\u00e1t otthonr\u00f3l \u00e1lmodik, de nincs el\u00e9g p\u00e9nze, alapvet\u0151en h\u00e1rom lehet\u0151s\u00e9g \u00e1ll rendelkez\u00e9s\u00e9re, amelyeket a k\u00f6vetkez\u0151 sorokban r\u00e9szletesebben is t\u00e1rgyalunk. Ezeknek a hiteleknek a seg\u00edts\u00e9g\u00e9vel ... <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. 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Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"hu"},"inLanguage":"hu"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"Lehets\u00e9ges-e kor\u00e1bban visszafizetni a lak\u00e1shitelt vagy a lak\u00e1s\u00e9p\u00edt\u00e9si t\u00e1rsas\u00e1gt\u00f3l felvett k\u00f6lcs\u00f6nt?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. 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