{"id":7273,"date":"2025-08-17T15:14:25","date_gmt":"2025-08-17T15:14:25","guid":{"rendered":"https:\/\/www.miklosonline.hu\/?p=7273"},"modified":"2025-08-18T15:16:37","modified_gmt":"2025-08-18T15:16:37","slug":"a-lakascelu-megtakaritasok-irant-elenk-az-erdeklodes","status":"publish","type":"post","link":"https:\/\/www.miklosonline.hu\/?p=7273","title":{"rendered":"A lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1sok ir\u00e1nt \u00e9l\u00e9nk az \u00e9rdekl\u0151d\u00e9s"},"content":{"rendered":"<div class=\"my-5 first:mt-0 last:mb-0\">\n<div class=\"svelte-1tcypa1\">\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\"><strong>\u00c9l\u00e9nk az \u00e9rdekl\u0151d\u00e9s, egyre t\u00f6bben v\u00e1lasztj\u00e1k megtakar\u00edt\u00e1sra a lak\u00e1stakar\u00e9kot az MTI-nek nyilatkoz\u00f3 p\u00e9nzint\u00e9zetek k\u00f6zl\u00e9se szerint.<\/strong><\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">Az OTP Lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1r Pr\u00e9mium term\u00e9kcsal\u00e1dj\u00e1nak 2023. m\u00e1rciusi indul\u00e1sa \u00f3ta m\u00e1r t\u00f6bb mint 50 ezer lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1si szerz\u0151d\u00e9st k\u00f6t\u00f6ttek.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">A p\u00e9nzint\u00e9zet k\u00f6zl\u00e9se szerint a megtakar\u00edt\u00e1sok felhaszn\u00e1l\u00e1s\u00e1ban a legn\u00e9pszer\u0171bb tov\u00e1bbra is a fel\u00faj\u00edt\u00e1s, amelyet az ad\u00e1sv\u00e9tel, illetve a hitelkiv\u00e1lt\u00e1s (el\u0151-v\u00e9gt\u00f6rleszt\u00e9s), majd az \u00e9p\u00edt\u00e9s\/b\u0151v\u00edt\u00e9s k\u00f6vet. A kifizet\u00e9sek 40 sz\u00e1zal\u00e9k\u00e1t ford\u00edtj\u00e1k nagyj\u00e1b\u00f3l fel\u00faj\u00edt\u00e1sra, az ad\u00e1sv\u00e9tel \u00e9s a hitelkiv\u00e1lt\u00e1s 30 illetve 25 sz\u00e1zal\u00e9kot k\u00e9pviselnek, m\u00edg a kifizet\u00e9sek fennmarad\u00f3 5 sz\u00e1zal\u00e9k\u00e1t ford\u00edtj\u00e1k \u00e9p\u00edtkez\u00e9sre, b\u0151v\u00edt\u00e9sre az \u00fcgyfelek.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">Az Erste Lak\u00e1stakar\u00e9k 2024-ben 211 milli\u00e1rd forint \u00e9rt\u00e9kben k\u00f6t\u00f6tt \u00faj szerz\u0151d\u00e9seket, csaknem annyit, mint az eddigi rekord \u00e9vnek sz\u00e1m\u00edt\u00f3 2018-ban el\u00e9rt volumen (219 milli\u00e1rd forint). A p\u00e9nzint\u00e9zet piaci r\u00e9szesed\u00e9se &#8211; becsl\u00e9se szerint &#8211; 20 sz\u00e1zal\u00e9k k\u00f6r\u00fcli, majdnem a dupl\u00e1ja annak, mint a kor\u00e1bbi, \u00e1llami t\u00e1mogat\u00e1sos id\u0151szakban volt &#8211; \u00edrt\u00e1k.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">Az Erste Lak\u00e1stakar\u00e9k \u00fcgyfeleinek mintegy fele megl\u00e9v\u0151 lak\u00f3ingatlana fel\u00faj\u00edt\u00e1s\u00e1ra ford\u00edtja lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s\u00e1t, harmaduk lak\u00e1sv\u00e1s\u00e1rl\u00e1sra, hatoduk megl\u00e9v\u0151 lak\u00e1shitele t\u00f6rleszt\u00e9s\u00e9re k\u00f6lt, az \u00fcgyfelek kis r\u00e9sze pedig \u00e9p\u00edtkezik &#8211; k\u00f6z\u00f6lt\u00e9k az MTI-vel.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">Az MBH Csoport tagjak\u00e9nt m\u0171k\u00f6d\u0151 Fundamenta arr\u00f3l sz\u00e1molt be, hogy jelenleg t\u00f6bb mint 561 ezer lak\u00e1s-el\u0151takar\u00e9koss\u00e1gi szerz\u0151d\u00e9st kezelnek, a bet\u00e9t\u00e1llom\u00e1ny volumene 547 milli\u00e1rd forint, a hitel\u00e1llom\u00e1ny 516 milli\u00e1rd forint. Az \u00fcgyfelek az elm\u00falt k\u00e9t \u00e9vben lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1saik fel\u00e9t (50-55 sz\u00e1zal\u00e9k) ingatlanv\u00e1s\u00e1rl\u00e1sra vagy cser\u00e9re, 30-40 sz\u00e1zal\u00e9kban fel\u00faj\u00edt\u00e1sra \u00e9s korszer\u0171s\u00edt\u00e9sre ford\u00edtott\u00e1k. \u00daj lak\u00f3ingatlan \u00e9p\u00edt\u00e9se a megtakar\u00edt\u00e1sok 4-5 sz\u00e1zal\u00e9k\u00e1t k\u00e9pviseli, m\u00edg hitel vagy l\u00edzing kiv\u00e1lt\u00e1s\u00e1ra az \u00fcgyfelek 2-3 sz\u00e1zal\u00e9ka ford\u00edtja megtakar\u00edt\u00e1s\u00e1t &#8211; t\u00e1j\u00e9koztattak.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">Az idei \u00e9v els\u0151 hat h\u00f3napj\u00e1ban a Fundamenta \u00fcgyfelei 38 milli\u00e1rd forintot ford\u00edtottak megl\u00e9v\u0151 ingatlanaik fel\u00faj\u00edt\u00e1s\u00e1ra vagy \u00faj ingatlan v\u00e1s\u00e1rl\u00e1s\u00e1ra, az \u00e1tlagos havi megtakar\u00edt\u00e1s \u00f6sszege pedig 20-50 ezer forint k\u00f6z\u00e9 esett.<\/p>\n<p class=\"mb-5 text-lg font-normal leading-7.5 lg:mb-7.5 lg:text-xl\">T\u00e1j\u00e9koztat\u00e1suk szerint az id\u00e9n lej\u00e1r\u00f3 lak\u00e1s-el\u0151takar\u00e9koss\u00e1gi szerz\u0151d\u00e9sek nagyj\u00e1b\u00f3l tizede lak\u00e1sk\u00f6lcs\u00f6nnel folytat\u00f3dott, \u00e9s az el\u0151zetes hitelhez jut\u00e1st biztos\u00edt\u00f3, \u00e1thidal\u00f3 hiteleiknek k\u00f6sz\u00f6nhet\u0151en a kiutalt lak\u00e1ssz\u00e1ml\u00e1k t\u00f6bb mint fel\u00e9hez kapcsol\u00f3dott hitel.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9l\u00e9nk az \u00e9rdekl\u0151d\u00e9s, egyre t\u00f6bben v\u00e1lasztj\u00e1k megtakar\u00edt\u00e1sra a lak\u00e1stakar\u00e9kot az MTI-nek nyilatkoz\u00f3 p\u00e9nzint\u00e9zetek k\u00f6zl\u00e9se szerint. Az OTP Lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1r Pr\u00e9mium term\u00e9kcsal\u00e1dj\u00e1nak 2023. m\u00e1rciusi indul\u00e1sa \u00f3ta m\u00e1r t\u00f6bb mint 50 ezer lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1si szerz\u0151d\u00e9st k\u00f6t\u00f6ttek. A p\u00e9nzint\u00e9zet k\u00f6zl\u00e9se szerint a megtakar\u00edt\u00e1sok felhaszn\u00e1l\u00e1s\u00e1ban a legn\u00e9pszer\u0171bb tov\u00e1bbra is a fel\u00faj\u00edt\u00e1s, amelyet az ad\u00e1sv\u00e9tel, illetve a hitelkiv\u00e1lt\u00e1s (el\u0151-v\u00e9gt\u00f6rleszt\u00e9s), majd az [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3061,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[96,938,105],"class_list":{"0":"post-7273","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kozelet","8":"tag-gazdasag","9":"tag-lakastakarekpenztar","10":"tag-penzugy"},"jetpack_featured_media_url":"https:\/\/www.miklosonline.hu\/wp-content\/uploads\/2022\/10\/money-gc2f68f141_640.jpg","_links":{"self":[{"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/posts\/7273","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7273"}],"version-history":[{"count":1,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/posts\/7273\/revisions"}],"predecessor-version":[{"id":7274,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/posts\/7273\/revisions\/7274"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=\/wp\/v2\/media\/3061"}],"wp:attachment":[{"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7273"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7273"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.miklosonline.hu\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7273"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}