{"id":868,"date":"2018-04-17T10:00:33","date_gmt":"2018-04-17T08:00:33","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=868"},"modified":"2018-04-15T23:02:47","modified_gmt":"2018-04-15T21:02:47","slug":"mire-hasznalhatod-fel-a-lakastakarekpenztari-megtakaritasod","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/mire-hasznalhatod-fel-a-lakastakarekpenztari-megtakaritasod\/","title":{"rendered":"Mire haszn\u00e1lhatod fel a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sod?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>Lak\u00e1sv\u00e1s\u00e1rl\u00e1sra<\/p>\n<p>V\u00e9gre szeretn\u00e9l saj\u00e1t lak\u00e1sba k\u00f6lt\u00f6zni, \u00e9s kialak\u00edtani \u00f6n\u00e1ll\u00f3 \u00e9lettered? Min\u00e9l el\u0151bb elkezded a megtakar\u00edt\u00e1st, ann\u00e1l k\u00f6zelebb ker\u00fclsz saj\u00e1t otthonod megv\u00e1s\u00e1rl\u00e1s\u00e1hoz.<\/p>\n<p>Lak\u00e1ssz\u00e1ml\u00e1don megtakar\u00edtott p\u00e9nzedet felhaszn\u00e1lhatod b\u00e1rmely \u00faj \u00e9s haszn\u00e1lt lak\u00e1s, illetve h\u00e1z v\u00e1s\u00e1rl\u00e1s\u00e1ra, vagy ak\u00e1r hitelkiv\u00e1lt\u00e1sra. A lak\u00e1stakar\u00e9k-p\u00e9nzt\u00e1rakr\u00f3l sz\u00f3l\u00f3 1996. \u00e9vi CXIII. t\u00f6rv\u00e9ny 8.\u00a7-a szerint lak\u00e1sc\u00e9l\u00fa felhaszn\u00e1l\u00e1snak min\u0151s\u00fcl:<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"8\">\n<li>\u00a7 (1)29 E t\u00f6rv\u00e9ny alkalmaz\u00e1s\u00e1ban lak\u00e1sc\u00e9l\u00fa felhaszn\u00e1l\u00e1snak min\u0151s\u00fcl:<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>a) a lak\u00e1s-el\u0151takar\u00e9koskod\u00f3, illetve ha a szerz\u0151d\u00e9sben kedvezm\u00e9nyezettet neveznek meg, a kedvezm\u00e9nyezett, tov\u00e1bb\u00e1 ezen szem\u00e9lyek k\u00f6zeli hozz\u00e1tartoz\u00f3ja<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>jav\u00e1ra t\u00f6rt\u00e9n\u0151 lak\u00f3telek v\u00e1s\u00e1rl\u00e1sa, lak\u00e1s, csal\u00e1di h\u00e1z vagy tanyai lak\u00f3ingatlan v\u00e1s\u00e1rl\u00e1sa, \u00e9p\u00edt\u00e9se, cser\u00e9je, valamint lak\u00e1sb\u00e9rleti vagy lak\u00e1shaszn\u00e1lati jog v\u00e1s\u00e1rl\u00e1sa, ide\u00e9rtve a nyugd\u00edjash\u00e1zban a jogosult \u00e9lete v\u00e9g\u00e9ig fenn\u00e1ll\u00f3 b\u00e9rleti, lak\u00e1shaszn\u00e1lati jog v\u00e1s\u00e1rl\u00e1s\u00e1t, tov\u00e1bb\u00e1 lak\u00e1sra, csal\u00e1di h\u00e1zra vagy tanyai lak\u00f3ingatlanra vonatkoz\u00f3 p\u00e9nz\u00fcgyi l\u00edzingszerz\u0151d\u00e9s megk\u00f6t\u00e9s\u00e9hez sz\u00fcks\u00e9ges \u00f6ner\u0151 finansz\u00edroz\u00e1s\u00e1t,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li>tulajdon\u00e1ban, valamint p\u00e9nz\u00fcgyi l\u00edzingbe v\u00e9tel, haszon\u00e9lvezeti jog vagy az 1. pontnak megfelel\u0151 m\u00e1s jogc\u00edmen haszn\u00e1lat\u00e1ban l\u00e9v\u0151 lak\u00e1s, csal\u00e1di h\u00e1z vagy tanyai lak\u00f3ingatlan b\u0151v\u00edt\u00e9se, fel\u00faj\u00edt\u00e1sa, korszer\u0171s\u00edt\u00e9se, helyre\u00e1ll\u00edt\u00e1sa,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li>a tulajdon\u00e1ban, valamint p\u00e9nz\u00fcgyi l\u00edzingbe v\u00e9tel, haszon\u00e9lvezeti jog vagy az<\/li>\n<li>pontnak megfelel\u0151 m\u00e1s jogc\u00edmen haszn\u00e1lat\u00e1ban l\u00e9v\u0151 lak\u00e1shoz, csal\u00e1di h\u00e1zhoz vagy tanyai lak\u00f3ingatlanhoz sz\u00fcks\u00e9ges, illetve a be\u00e9p\u00edt\u00e9s alatt \u00e1ll\u00f3 vagy m\u00e1r be\u00e9p\u00edtett ter\u00fclet lakhat\u00f3s\u00e1g\u00e1t jav\u00edt\u00f3, a k\u00f6vetkez\u0151kben felsorolt k\u00f6zm\u0171vek, kommun\u00e1lis l\u00e9tes\u00edtm\u00e9nyek saj\u00e1t vagy \u00f6nkorm\u00e1nyzati, k\u00f6zm\u0171fejleszt\u00e9si t\u00e1rsulat \u00e1ltal megval\u00f3s\u00edtott beruh\u00e1z\u00e1s keret\u00e9ben t\u00f6rt\u00e9n\u0151 kialak\u00edt\u00e1sa (ki\u00e9p\u00edt\u00e9se, szerel\u00e9se) \u00e9s fel\u00faj\u00edt\u00e1sa: szil\u00e1rd burkolat\u00fa \u00fat, ker\u00edt\u00e9s, j\u00e1rda, \u00e1ram-, g\u00e1z-, v\u00edzvezet\u00e9k, szennyv\u00edzcsatorna, csapad\u00e9kv\u00edz-elvezet\u0151 csatorna, \u00e1rok, k\u00f6zponti f\u0171t\u00e9s, informatikai h\u00e1l\u00f3zati kapcsolat (telefon, k\u00e1beltelev\u00edzi\u00f3, internetel\u00e9r\u00e9s),<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>b) a lak\u00e1ssz\u00f6vetkezet tulajdon\u00e1ban vagy a tagjainak k\u00f6z\u00f6s tulajdon\u00e1ban \u00e1ll\u00f3 \u00e9p\u00fcletr\u00e9szek fel\u00faj\u00edt\u00e1sa \u00e9s korszer\u0171s\u00edt\u00e9se,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>c) a t\u00e1rsash\u00e1zi lak\u00e1sok lak\u00e1stulajdonosainak k\u00f6z\u00f6s tulajdon\u00e1ban \u00e1ll\u00f3 \u00e9p\u00fcletr\u00e9szek fel\u00faj\u00edt\u00e1sa \u00e9s korszer\u0171s\u00edt\u00e9se,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>d) az a)-c) pontban meghat\u00e1rozott c\u00e9lok finansz\u00edroz\u00e1s\u00e1ra p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyt\u0151l vagy biztos\u00edt\u00f3int\u00e9zett\u0151l felvett k\u00f6lcs\u00f6n, p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyt\u0151l ig\u00e9nybe vett p\u00e9nz\u00fcgyi l\u00edzing, vagy ilyen k\u00f6lcs\u00f6nh\u00f6z vagy l\u00edzinghez kapcsol\u00f3d\u00f3, k\u00fcl\u00f6n t\u00f6rv\u00e9nyben meghat\u00e1rozott gy\u0171jt\u0151sz\u00e1mlahitel, valamint a hitelint\u00e9zet \u00e1ltal foly\u00f3s\u00edtott \u00e9s igazolt c\u00e9lra felhaszn\u00e1lt munk\u00e1ltat\u00f3i, illetve telep\u00fcl\u00e9si \u00f6nkorm\u00e1nyzat \u00e1ltal ny\u00fajtott k\u00f6lcs\u00f6n teljes vagy r\u00e9szleges kiv\u00e1lt\u00e1sa,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol start=\"1996\">\n<li>e) az a)-c) pontban meghat\u00e1rozott c\u00e9lok finansz\u00edroz\u00e1s\u00e1ra felvett k\u00f6lcs\u00f6n kiv\u00e1lt\u00e1s\u00e1ra felhaszn\u00e1lt, a hitelint\u00e9zetekr\u0151l \u00e9s a p\u00e9nz\u00fcgyi v\u00e1llalkoz\u00e1sokr\u00f3l sz\u00f3l\u00f3 1996. \u00e9vi CXII. t\u00f6rv\u00e9ny 2012. janu\u00e1r 1-j\u00e9n hat\u00e1lyos 200\/B. \u00a7 szerinti v\u00e9gt\u00f6rleszt\u00e9s keret\u00e9ben ny\u00fajtott k\u00f6lcs\u00f6n teljes vagy r\u00e9szleges kiv\u00e1lt\u00e1s,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>f) a d) pontban meghat\u00e1rozott felt\u00e9teleknek megfelel\u0151 k\u00f6lcs\u00f6n, gy\u0171jt\u0151sz\u00e1mlahitel kiv\u00e1lt\u00e1s\u00e1ra felhaszn\u00e1lt, p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyt\u0151l vagy biztos\u00edt\u00f3int\u00e9zett\u0151l felvett k\u00f6lcs\u00f6n teljes vagy r\u00e9szleges kiv\u00e1lt\u00e1sa,<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol>\n<li>g) 30 a nemzeti otthonteremt\u00e9si k\u00f6z\u00f6ss\u00e9gekr\u0151l sz\u00f3l\u00f3 t\u00f6rv\u00e9ny szerinti, a tag \u00e1ltal a k\u00f6z\u00f6ss\u00e9gbe teljes\u00edtend\u0151 befizet\u00e9s.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Fel\u00faj\u00edt\u00e1sra, korszer\u0171s\u00edt\u00e9sre<\/p>\n<p>Idej\u00e9t l\u00e1tod egy kiad\u00f3s fel\u00faj\u00edt\u00e1snak, amivel v\u00e9gre \u00fajj\u00e1 var\u00e1zsolhatod a konyh\u00e1t, a f\u00fcrd\u0151szob\u00e1t, vagy ak\u00e1r az eg\u00e9sz lak\u00e1st?<\/p>\n<p>Szeretn\u00e9l egy medenc\u00e9t az udvarba, vagy a ker\u00edt\u00e9st kell kicser\u00e9lni?<\/p>\n<p>Esetleg meguntad a magas rezsit, \u00e9s korszer\u0171s\u00edten\u00e9l?<\/p>\n<p>\u00daj kaz\u00e1nra van sz\u00fcks\u00e9ged?<\/p>\n<p>Lak\u00e1ssz\u00e1ml\u00e1n gy\u0171jt\u00f6tt megtakar\u00edt\u00e1saidb\u00f3l ezek mindegyik\u00e9t, \u00e9s m\u00e1s, lak\u00e1ssal kapcsolatos beruh\u00e1z\u00e1sokat is megval\u00f3s\u00edthatsz.<\/p>\n<h4>\u00a0<span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt;\">\u00c9p\u00edt\u00e9sre, b\u0151v\u00edt\u00e9sre<\/span><\/h4>\n<p>Ak\u00e1r a h\u00e1z b\u0151v\u00edt\u00e9s\u00e9re lenne sz\u00fcks\u00e9g egy \u00faj csal\u00e1dtag miatt, ak\u00e1r null\u00e1r\u00f3l kezden\u00e9tek az \u00e9p\u00edtkez\u00e9st, lak\u00e1ssz\u00e1ml\u00e1d kiv\u00e1l\u00f3 alap, amelyre b\u00e1tran \u00e9p\u00edthettek, hisz megl\u00e9v\u0151 h\u00e1zak b\u0151v\u00edt\u00e9s\u00e9re \u00e9s \u00fajak \u00e9p\u00edt\u00e9s\u00e9re egyar\u00e1nt felhaszn\u00e1lhat\u00f3.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Kihagyhatatlan aj\u00e1nlat!<\/strong><\/p>\n<p>\u00dcgyfeleink ig\u00e9nyeinek maxim\u00e1lis kiel\u00e9g\u00edt\u00e9se fontos.<br \/>\n\u00c9ppen ez\u00e9rt, \u00fajabb kedvez\u0151 lehet\u0151s\u00e9get biztos\u00edtunk lak\u00e1sc\u00e9lod megval\u00f3s\u00edt\u00e1s\u00e1hoz.<br \/>\nSzeretn\u00e9m figyelmedbe aj\u00e1nlani a k\u00f6vetkez\u0151 lehet\u0151s\u00e9get 5 milli\u00f3 forint azonnali k\u00f6lcs\u00f6n felv\u00e9tel\u00e9re.<br \/>\nFelt\u00e9telek:<br \/>\n&#8211; sz\u00e1mla megnyit\u00e1sa<br \/>\n&#8211; hitelig\u00e9ny beny\u00fajt\u00e1sa 3 h\u00f3napon bel\u00fcl<br \/>\n&#8211; lak\u00e1s c\u00e9l: v\u00e1s\u00e1rl\u00e1s, fel\u00faj\u00edt\u00e1s, \u00e9p\u00edtkez\u00e9s,\u00a0kaz\u00e1ncsere, ker\u00edt\u00e9s \u00e9p\u00edt\u00e9s, medence \u00e9p\u00edt\u00e9s.<\/p>\n<p>1-79.h\u00f3: 44583.-\u00a0ftFt (20000.- Ft megtakar\u00edt\u00e1ssal egy\u00fctt)<br \/>\n80-81.h\u00f3: 24583.- Ft<br \/>\n82-157.h\u00f3: 42500.- Ft (2,9% fix\u00a0kamat)<\/p>\n<p>El\u0151ny\u00f6k:<br \/>\n&#8211; futamid\u0151 alatt r\u00f6gz\u00edtett kamat<br \/>\n&#8211; nincs kamatperi\u00f3dus<br \/>\n&#8211; nem k\u00f6veti az infl\u00e1ci\u00f3t<br \/>\n&#8211; nem f\u00fcgg a jegybanki alapkamatt\u00f3l.<\/p>\n<p>&nbsp;<\/p>\n<p>Az \u00f6sszeg lehet kevesebb is, ez t\u00e1j\u00e9koztat\u00f3 jelleggel k\u00fcld\u00f6m.<\/p>\n<p>N\u00e1lam meglehet k\u00f6tni.<br \/>\n\u00dcdv R\u00f3zsa<\/p>\n<p>&nbsp;<\/p>\n<p>H\u00edvj!<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Lak\u00e1sv\u00e1s\u00e1rl\u00e1sra V\u00e9gre szeretn\u00e9l saj\u00e1t lak\u00e1sba k\u00f6lt\u00f6zni, \u00e9s kialak\u00edtani \u00f6n\u00e1ll\u00f3 \u00e9lettered? Min\u00e9l el\u0151bb elkezded a megtakar\u00edt\u00e1st, ann\u00e1l k\u00f6zelebb ker\u00fclsz saj\u00e1t otthonod megv\u00e1s\u00e1rl\u00e1s\u00e1hoz. Lak\u00e1ssz\u00e1ml\u00e1don megtakar\u00edtott p\u00e9nzedet felhaszn\u00e1lhatod b\u00e1rmely \u00faj \u00e9s haszn\u00e1lt &hellip;<\/p>\n","protected":false},"author":2,"featured_media":871,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[8,31],"tags":[],"class_list":["post-868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hirek","category-lakas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mire haszn\u00e1lhatod fel a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sod? - nyugd&iacute;jspecialista.hu<\/title>\n<meta name=\"description\" content=\"Mire haszn\u00e1lhatod fel a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sod? V\u00e9gre szeretn\u00e9l saj\u00e1t lak\u00e1sba k\u00f6lt\u00f6zni, \u00e9s kialak\u00edtani \u00f6n\u00e1ll\u00f3 \u00e9lettered? Min\u00e9l el\u0151bb elkezded a megtakar\u00edt\u00e1st, ann\u00e1l k\u00f6zelebb ker\u00fclsz saj\u00e1t otthonod megv\u00e1s\u00e1rl\u00e1s\u00e1hoz. 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