{"id":952,"date":"2018-05-22T08:05:53","date_gmt":"2018-05-22T06:05:53","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=952"},"modified":"2018-07-04T19:38:28","modified_gmt":"2018-07-04T17:38:28","slug":"lakashitel-okosan","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/lakashitel-okosan\/","title":{"rendered":"LAK\u00c1SHITEL OKOSAN?"},"content":{"rendered":"

 <\/p>\n

Az els\u0151 saj\u00e1t lak\u00e1s, egy nagyobb otthon a b\u0151v\u00fcl\u0151 csal\u00e1dnak, f\u00fcrd\u0151szoba- vagy konyhafel\u00faj\u00edt\u00e1s, egy \u00faj babaszoba, ny\u00edl\u00e1sz\u00e1r\u00f3csere. Szinte mindannyiunknak vannak megval\u00f3s\u00edt\u00e1sra v\u00e1r\u00f3 lak\u00e1sc\u00e9ljaink, amelyeket p\u00e9nz hi\u00e1ny\u00e1ban ak\u00e1r \u00e9vekig is tologatunk magunk el\u0151tt.\u00a0Nem \u00e9rdemes azonban a v\u00e9gtelens\u00e9gig v\u00e1rni, hiszen a lak\u00e1sk\u00e9rd\u00e9s nem old\u00f3dik meg mag\u00e1t\u00f3l. N\u00e9zz\u00fcnk ink\u00e1bb sz\u00e9t a lak\u00e1shitelek piac\u00e1n, \u00e9s keress\u00fck meg a legt\u00f6k\u00e9letesebb lehet\u0151s\u00e9get, mely k\u00f6zelebb visz minket a megold\u00e1shoz.<\/p>\n

    \n
  1. V\u00e1lassz kisz\u00e1m\u00edthat\u00f3 konstrukci\u00f3t!<\/li>\n<\/ol>\n

    A legnagyobb f\u00e9lelem, ami a hitelfelv\u00e9telt \u00f6vezi, a t\u00f6rleszt\u0151 r\u00e9szletek\u00a0kisz\u00e1m\u00edthatatlans\u00e1g\u00e1val kapcsolatos. Nem v\u00e9letlen\u00fcl, hiszen a k\u00f6lcs\u00f6n t\u00f6bb \u00e9vre, vagy ak\u00e1r \u00e9vtizedekre elk\u00f6telez minket a havi befizet\u00e9sek mellett. Ma m\u00e1r azonban szerencs\u00e9re sz\u00e1mos hitelterm\u00e9k k\u00f6z\u00f6tt v\u00e1logathatunk.\u00a0Ha nem szeretn\u00e9l zs\u00e1kbamacsk\u00e1t v\u00e1s\u00e1rolni, v\u00e1lassz olyat, amely garant\u00e1lja, hogy a futamid\u0151 v\u00e9g\u00e9ig r\u00f6gz\u00edtett t\u00f6rleszt\u0151 r\u00e9szleteket kell majd fizetned, \u00edgy hossz\u00fa t\u00e1von tervezhet\u0151v\u00e9 v\u00e1lnak a havi kiad\u00e1said.<\/p>\n

      \n
    1. Vegy\u00e9l fel hitelt kamatkock\u00e1zat n\u00e9lk\u00fcl!<\/li>\n<\/ol>\n

      A m\u00e1sik rizik\u00f3 a kamatok n\u00f6veked\u00e9se. Az ugyanis az \u00e9vek sor\u00e1n jelent\u0151sen befoly\u00e1solhatja a hiteled alakul\u00e1s\u00e1t is.\u00a0Ha fontos a biztons\u00e1g, v\u00e1lassz olyan hitelt, amely fix kamatoz\u00e1s\u00fa, \u00edgy a futamid\u0151 v\u00e9g\u00e9ig kamatkock\u00e1zat n\u00e9lk\u00fcl veheted azt ig\u00e9nybe.<\/p>\n

        \n
      1. Haszn\u00e1ld ki az \u00e1llami t\u00e1mogat\u00e1st!<\/li>\n<\/ol>\n

        Lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1s eset\u00e9n lehet\u0151s\u00e9ged van kihaszn\u00e1lni\u00a0az \u00e1llami t\u00e1mogat\u00e1st, mellyel sz\u00e1zezreket sp\u00f3rolhatsz meg.\u00a0Megtakar\u00edt\u00e1sodat sz\u00e1mos lak\u00e1sc\u00e9lra \u2013 \u00edgy p\u00e9ld\u00e1ul fel\u00faj\u00edt\u00e1sra, korszer\u0171s\u00edt\u00e9sre, lak\u00e1sv\u00e1s\u00e1rl\u00e1sra, de ak\u00e1r be\u00e9p\u00edtett gardr\u00f3bszekr\u00e9nyed vagy \u00faj, be\u00e9p\u00edthet\u0151 konyhag\u00e9peid finansz\u00edroz\u00e1s\u00e1ra \u2013 is felhaszn\u00e1lhatod. R\u00e1ad\u00e1sul akkor sem musz\u00e1j \u00e9veket v\u00e1rnod a megval\u00f3s\u00edt\u00e1ssal, ha nincs m\u00e9g lak\u00e1stakar\u00e9kod. V\u00e1laszthatsz olyan konstrukci\u00f3t is, melynek r\u00e9sze egy lak\u00e1ssz\u00e1mla, ez\u00e9rt kihaszn\u00e1lhatod a megtakar\u00edt\u00e1sra j\u00e1r\u00f3 \u00e1llami t\u00e1mogat\u00e1st.<\/p>\n

         <\/p>\n

        +1. tipp: v\u00e1laszd a Lak\u00e1stakar\u00e9k p\u00e9nzt\u00e1ri sz\u00e1ml\u00e1t!<\/p>\n

        Ha mindezeket egyszerre szeretn\u00e9d ig\u00e9nybe venni, v\u00e1laszd a\u00a0Lak\u00e1stakar\u00e9k p\u00e9nzt\u00e1ri sz\u00e1ml\u00e1t \u00e9s sp\u00f3rold meg az id\u0151t, amit gy\u0171jt\u00f6get\u00e9ssel t\u00f6lten\u00e9l. Juss hozz\u00e1 a k\u00edv\u00e1nt \u00f6sszeghez, \u00e9s haszn\u00e1ld ki az \u00e1llami t\u00e1mogat\u00e1st! A Lak\u00e1stakar\u00e9k p\u00e9nzt\u00e1ri sz\u00e1ml\u00e1val nem kell agg\u00f3dnod az elsz\u00e1ll\u00f3 kamatok \u00e9s t\u00f6rleszt\u0151 r\u00e9szletek miatt, r\u00e1ad\u00e1sul m\u00e1r id\u00e9n tavasszal megval\u00f3s\u00edthatod r\u00e9g\u00f3ta d\u00e9delgetett lak\u00e1s\u00e1lmaidat. A t\u00e1j\u00e9koztat\u00e1s nem teljes k\u00f6r\u0171. K\u00fcldj el\u00e9rhet\u0151s\u00e9get.<\/p>\n

        Visszah\u00edv\u00e1st k\u00e9rek<\/p>\n","protected":false},"excerpt":{"rendered":"

          Az els\u0151 saj\u00e1t lak\u00e1s, egy nagyobb otthon a b\u0151v\u00fcl\u0151 csal\u00e1dnak, f\u00fcrd\u0151szoba- vagy konyhafel\u00faj\u00edt\u00e1s, egy \u00faj babaszoba, ny\u00edl\u00e1sz\u00e1r\u00f3csere. Szinte mindannyiunknak vannak megval\u00f3s\u00edt\u00e1sra v\u00e1r\u00f3 lak\u00e1sc\u00e9ljaink, amelyeket p\u00e9nz hi\u00e1ny\u00e1ban ak\u00e1r \u00e9vekig is …<\/p>\n","protected":false},"author":2,"featured_media":934,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lakas"],"yoast_head":"\nLAK\u00c1SHITEL OKOSAN? - nyugdíjspecialista.hu<\/title>\n<meta name=\"description\" content=\"LAK\u00c1SHITEL OKOSAN? 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