{"id":3547,"date":"2021-02-07T13:58:55","date_gmt":"2021-02-07T11:58:55","guid":{"rendered":"https:\/\/mobilan-konyhabutor.hu\/?p=3547"},"modified":"2023-08-17T17:27:52","modified_gmt":"2023-08-17T15:27:52","slug":"megerkezett-a-kamattamogatott-otthonfelujitasi-hitel","status":"publish","type":"post","link":"https:\/\/mobilan-konyhabutor.hu\/en\/megerkezett-a-kamattamogatott-otthonfelujitasi-hitel\/","title":{"rendered":"Meg\u00e9rkezett a kamatt\u00e1mogatott otthonfel\u00faj\u00edt\u00e1si hitel"},"content":{"rendered":"<p><strong>Febru\u00e1r 1-j\u00e9vel elindult a 3%-os, kamatt\u00e1mogatott otthonfel\u00faj\u00edt\u00e1si hitel, ami arra szolg\u00e1l, hogy azok is ig\u00e9nybe tudj\u00e1k venni az <a href=\"https:\/\/mobilan-konyhabutor.hu\/en\/fontos-tisztazando-kerdesek-a-lakasfelujitasi-tamogatassal-kapcsolatosan-i\/\" target=\"_blank\" rel=\"noopener\">otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1st<\/a>, akik \u00f6ner\u0151b\u0151l nem tudn\u00e1k megel\u0151legezni az ahhoz sz\u00fcks\u00e9ges \u00f6nr\u00e9szt. \u00d6sszegy\u0171jt\u00f6tt\u00fck a legfontosabb tudnival\u00f3kat a t\u00e9m\u00e1ban.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><strong>A felvehet\u0151 hitelkeret fels\u0151 hat\u00e1ra 6 milli\u00f3 forint, maximum futamideje 10 \u00e9v.<\/strong> A l\u00e9nyege, hogy amennyiben az \u00fcgyf\u00e9l megfelel a felt\u00e9teleknek, az \u00e1ltala <strong>fizetett kamat csup\u00e1n 3%,<\/strong> az ezen fel\u00fcli r\u00e9szt az \u00e1llam \u00e1tv\u00e1llalja a k\u00f6lcs\u00f6n teljes futamidej\u00e9re. Ha egy 6 milli\u00f3 forintos hitelvelv\u00e9telt \u00e9s 10 \u00e9ves futamid\u0151t vesz\u00fcnk alapul, ez kezdetben havi 58 ezer forintos t\u00f6rleszt\u0151r\u00e9szletet jelent, ami a t\u00e1mogat\u00e1s bet\u00f6rleszt\u00e9s\u00e9vel cs\u00f6kkenhet.<\/p>\n<p>A kamaton k\u00edv\u00fcl a hitelez\u0151 p\u00e9nzint\u00e9zetek a hitelfelv\u0151kt\u0151l a k\u00f6lcs\u00f6n \u00f6sszege ut\u00e1n <strong>1,5% k\u00f6lts\u00e9gt\u00e9r\u00edt\u00e9s<\/strong> illeti meg. A maxim\u00e1lis 6 milli\u00f3s \u00f6sszeggel sz\u00e1molva ez 90 ezer forintot jelent. Azt is megszabt\u00e1k, hogy a 1,5%-os kulcsb\u00f3l a hitelk\u00f6zvet\u00edt\u0151 maximum 0,8%-ot kaphat, amely a fenti p\u00e9ld\u00e1val sz\u00e1m\u00edtva 48 ezer forintot tesz ki.<\/p>\n<p>Az otthonfel\u00faj\u00edt\u00e1si k\u00f6lcs\u00f6n <strong>jelz\u00e1logalap\u00fa hitelint\u00e9zeti k\u00f6lcs\u00f6nnek sz\u00e1m\u00edt<\/strong>, teh\u00e1t minden esetben k\u00f6zjegyz\u0151t, \u00e9rt\u00e9kbecsl\u0151t is alkalmazni kell az elj\u00e1r\u00e1s sor\u00e1n.<\/p>\n<p>Mivel ez a hitel alapj\u00e1ban v\u00e9ve arra szolg\u00e1l, hogy <strong>az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s<\/strong> ig\u00e9nybev\u00e9tel\u00e9t seg\u00edts\u00e9g azok sz\u00e1m\u00e1ra, akik nem rendelkeznek az \u00f6nr\u00e9szhez sz\u00fcks\u00e9ges \u00f6sszeggel, \u00edgy a <strong>jogosults\u00e1g felt\u00e9telei azonosak<\/strong>. Teh\u00e1t minden olyan felt\u00e9telnek meg kell felelni, ami az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sban szerepel. <a href=\"https:\/\/mobilan-konyhabutor.hu\/en\/fontos-tisztazando-kerdesek-a-lakasfelujitasi-tamogatassal-kapcsolatosan-ii\/\" target=\"_blank\" rel=\"noopener\">Err\u0151l r\u00e9szletesen kor\u00e1bbi cikk\u00fcnkben \u00edrtunk.<\/a><\/p>\n<p>A k\u00e9relem, \u00e9s az ahhoz sz\u00fcks\u00e9ges mell\u00e9kletek, igazol\u00e1sok beny\u00fajt\u00e1sa ut\u00e1n a hitelint\u00e9zet elb\u00edr\u00e1lja, hogy a k\u00e9relmez\u0151 megfelel-e a felt\u00e9teleknek, \u00e9s ha mindent rendben tal\u00e1l, akkor egy \u00fan. <strong>t\u00e1mogat\u00e1si szerz\u0151d\u00e9st k\u00f6t<\/strong> az ig\u00e9nybevev\u0151vel.<\/p>\n<p>The <strong>el\u0151t\u00f6rleszt\u00e9s felt\u00e9telei<\/strong> is rendk\u00edv\u00fcl kedvez\u0151ek, hiszen a szab\u00e1lyoz\u00e1s megszabja, hogy a t\u00e1mogatott szem\u00e9ly terh\u00e9re ez esetben semmilyen k\u00f6lts\u00e9get nem sz\u00e1m\u00edthat fel a p\u00e9nzint\u00e9zet. Ha valaki teh\u00e1t el\u0151t\u00f6rleszteni szeretne, akkor a j\u00f3v\u00e1\u00edr\u00e1st k\u00f6vet\u0151 10 napon bel\u00fcl a hitelint\u00e9zet k\u00f6teles v\u00e1ltozatlan futamid\u0151 mellett \u00fajrasz\u00e1molni a t\u00f6rleszt\u0151r\u00e9szletet, majd ezt k\u00f6vet\u0151en \u00e9rtes\u00edteni a t\u00e1mogatott szem\u00e9lyt \u00e9s az \u00e1llamkincst\u00e1rat.<\/p>\n<p><strong>Fontos alapfelt\u00e9tel<\/strong>, hogy a k\u00f6lcs\u00f6n foly\u00f3s\u00edt\u00e1s\u00e1t\u00f3l sz\u00e1m\u00edtott <strong>1 \u00e9ven bel\u00fcl be kell mutatni<\/strong> annak felhaszn\u00e1l\u00e1s\u00e1val megval\u00f3s\u00edtott \u00e9p\u00edt\u00e9si tev\u00e9kenys\u00e9gekkel kapcsolatos sz\u00e1ml\u00e1inkat &#8211; ez azt jelenti, hogy a tervezett munk\u00e1knak 1 \u00e9ven bel\u00fcl be kell fejez\u0151dni\u00fck. Ha ez nem teljes\u00fcl, akkor a hitelfelvev\u0151 elvesz\u00edti a jogosults\u00e1g\u00e1t a fel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sra. Ez al\u00f3l kiv\u00e9telt jelent, ha a fel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s \u00e9rt\u00e9ke nem \u00e9ri el a k\u00f6lcs\u00f6n\u00f6sszeg 25%-\u00e1t \u2013 teh\u00e1t, ha felvett\u00fcnk mondjuk 6 milli\u00f3 forintot, akkor 1,5 milli\u00f3 forintot. Ez esetben megsz\u0171nik a kamatt\u00e1mogat\u00e1s, ami azt is jelenti, hogy az eddig ig\u00e9nybe vett kamatt\u00e1gomagt\u00e1st 60 napon bel\u00fcl, 1 \u00f6sszegben vissza kell fizetni.<\/p>\n<p>Cikk\u00fcnket az\u00e9rt \u00edrtuk, mert t\u00f6bben fejezt\u00e9k kis sajn\u00e1latukat azzal kapcsolatosan, hogy nem rendelkeznek az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1shoz rendelkez\u0151 \u00f6nr\u00e9sszel. A hitelfelv\u00e9telt minden esetben k\u00f6rbe kell j\u00e1rni, \u00e9s mivel hossz\u00fat\u00e1v\u00fa k\u00f6telezetts\u00e9geket von maga ut\u00e1n, senkit sem buzd\u00edtunk r\u00e1. \u00cdr\u00e1sunk azoknak sz\u00f3l, akik m\u00e1r eld\u00f6nt\u00f6tt\u00e9k, hogy \u0151k hitelfelv\u00e9tel \u00e1r\u00e1n is szeretn\u00e9k fel\u00faj\u00edtani otthonukat, sz\u00e1mukra szerett\u00fcnk volna plusz inform\u00e1ci\u00f3kkal szolg\u00e1lni.<\/p>\n<p><strong>A t\u00e9m\u00e1ban megjelent cikkeinket\u00a0<\/strong><a href=\"https:\/\/mobilan-konyhabutor.hu\/en\/?s=otthonfel%C3%BAj%C3%ADt%C3%A1si+t%C3%A1mogat%C3%A1s\"><strong>IDE<\/strong><\/a><strong>\u00a0kattintva tekintheted meg.<\/strong><br \/>\n&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Febru\u00e1r 1-j\u00e9vel elindult a 3%-os, kamatt\u00e1mogatott otthonfel\u00faj\u00edt\u00e1si hitel, ami arra szolg\u00e1l, hogy azok is ig\u00e9nybe tudj\u00e1k venni az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1st, akik \u00f6ner\u0151b\u0151l nem tudn\u00e1k megel\u0151legezni az ahhoz sz\u00fcks\u00e9ges \u00f6nr\u00e9szt. \u00d6sszegy\u0171jt\u00f6tt\u00fck a legfontosabb tudnival\u00f3kat a t\u00e9m\u00e1ban.<\/p>","protected":false},"author":1,"featured_media":3548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2],"tags":[15,46,191,120],"class_list":["post-3547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-konyhabutor","tag-konyhaszekreny","tag-konyhaszekrenyek","tag-otthonfelujitasi-tamogatas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Meg\u00e9rkezett a kamatt\u00e1mogatott otthonfel\u00faj\u00edt\u00e1si hitel -<\/title>\n<meta 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