{"id":282,"date":"2018-11-07T14:08:14","date_gmt":"2018-11-07T14:08:14","guid":{"rendered":"https:\/\/habitat.hu\/sites\/feketelakas\/?p=282"},"modified":"2018-11-07T14:09:16","modified_gmt":"2018-11-07T14:09:16","slug":"alberletet-keresek-kaucio-nelkul-kauciotamogatas-mint-mukodo-jo-pelda","status":"publish","type":"post","link":"https:\/\/habitat.hu\/sites\/feketelakas\/2018\/11\/07\/alberletet-keresek-kaucio-nelkul-kauciotamogatas-mint-mukodo-jo-pelda\/","title":{"rendered":"Alb\u00e9rletet keresek kauci\u00f3 n\u00e9lk\u00fcl! – Kauci\u00f3t\u00e1mogat\u00e1s, mint m\u0171k\u00f6d\u0151 j\u00f3 p\u00e9lda"},"content":{"rendered":"

Alb\u00e9rletkeres\u00e9skor sokan szembes\u00fclnek azzal, hogy a magas alb\u00e9rlet\u00e1rak kifizet\u00e9se mellett a kauci\u00f3 lerak\u00e1sa is jelent\u0151s probl\u00e9m\u00e1t okoz, nem csak az alacsonyabb j\u00f6vedelm\u0171ek, de keres\u0151 emberek sz\u00e1m\u00e1ra, hanem egyetemist\u00e1knak, illetve vid\u00e9kr\u0151l nagyv\u00e1rosokba k\u00f6lt\u00f6z\u0151knek is. A Habitat ennek a probl\u00e9m\u00e1nak a megold\u00e1s\u00e1ra javasolja \u00a0a kauci\u00f3-t\u00e1mogat\u00e1s bevezet\u00e9s\u00e9t, ami k\u00fcl\u00f6nb\u00f6z\u0151 form\u00e1ban m\u00e1r az Egyes\u00fclt Kir\u00e1lys\u00e1gban \u00e9s Franciaorsz\u00e1gban is m\u0171k\u00f6dik.<\/b><\/p>\n

Az Egyes\u00fclt Kir\u00e1lys\u00e1gban a K\u00f6rzeti Tan\u00e1csok (District Council<\/span>) biztos\u00edthatnak saj\u00e1t hat\u00e1sk\u00f6rben kauci\u00f3-t\u00e1mogat\u00e1st r\u00e1szorul\u00f3knak. \u00a0A t\u00e1mogat\u00e1s c\u00e9lja \u2013 egy\u00e9b t\u00e1mogat\u00e1sok mellett \u2013, hogy megk\u00f6nny\u00edtse a mag\u00e1nb\u00e9rlak\u00e1s-szektorba val\u00f3 bel\u00e9p\u00e9st, \u00e9s jellemz\u0151en hajl\u00e9ktalans\u00e1gban \u00e9l\u0151knek vagy olyanoknak sz\u00f3l, akiket a hajl\u00e9ktalans\u00e1g fenyeget. A t\u00e1mogat\u00e1s konkr\u00e9t form\u00e1ja ker\u00fcletenk\u00e9nt v\u00e1ltozik, Huntingdonshire-ben p\u00e9ld\u00e1ul a t\u00e1mogat\u00e1snak jelenleg k\u00e9t form\u00e1ja l\u00e9tezik. Az egyik esetben a K\u00f6rzeti Tan\u00e1cs kamatmentes k\u00f6lcs\u00f6n form\u00e1j\u00e1ban megel\u0151legezi a b\u00e9rl\u0151 sz\u00e1m\u00e1ra a kauci\u00f3 \u00f6sszeg\u00e9t, amit a b\u00e9rl\u0151nek 12 h\u00f3nap alatt kell visszat\u00e9r\u00edtenie. A m\u00e1sik opci\u00f3 eset\u00e9n a b\u00e9rl\u0151 nem vesz fel k\u00f6lcs\u00f6nt a tan\u00e1cst\u00f3l, hanem a tan\u00e1cs egy k\u00f6tv\u00e9ny form\u00e1j\u00e1ban garant\u00e1lja a tulajdonosnak az esetleges k\u00e1rok megt\u00e9r\u00edt\u00e9s\u00e9t. Amennyiben k\u00e1r keletkezik, a tan\u00e1cs fizet a tulajdonosnak, majd behajtja a b\u00e9rl\u0151n az \u00f6sszeget.<\/span><\/p>\n

Az Egyes\u00fclt Kir\u00e1lys\u00e1ggal ellent\u00e9tben Franciaorsz\u00e1gban \u00e1llami szinten biztos\u00edtj\u00e1k a kauci\u00f3-t\u00e1mogat\u00e1st. Az <\/span>Avance Loca-Pass<\/span><\/i> elnevez\u00e9s\u0171 kauci\u00f3-t\u00e1mogat\u00e1st a harminc \u00e9v alatti fiatalok \u00e9s a priv\u00e1t szf\u00e9r\u00e1ban dolgoz\u00f3k (\u00e9letkort\u00f3l f\u00fcggetlen\u00fcl) vehetik ig\u00e9nybe. J\u00f6vedelmi k\u00fcsz\u00f6b viszont nincs be\u00e9p\u00edtve a programba, \u00edgy a t\u00e1mogat\u00e1s az Egyes\u00fclt Kir\u00e1lys\u00e1gival ellent\u00e9tben nem szoci\u00e1lisan c\u00e9lzott. A program keret\u00e9ben a jogosultak 1200 eur\u00f3t nem meghalad\u00f3 \u00e9rt\u00e9kben vehetnek fel egy kamatmentes k\u00f6lcs\u00f6nt, amit maximum 25 h\u00f3nap alatt kell visszafizetni\u00fck a t\u00e1mogat\u00e1st ny\u00fajt\u00f3 szervezetnek, az Action Logement-nak. A t\u00e1mogat\u00e1s t\u00f6bbsz\u00f6r is felvehet\u0151, \u00edgy ha valaki alb\u00e9rletet v\u00e1lt \u00e9s az el\u0151z\u0151 kauci\u00f3j\u00e1t m\u00e1r visszafizette, \u00fajra felveheti a t\u00e1mogat\u00e1st a k\u00f6vetkez\u0151 alb\u00e9rlet\u00e9re.<\/span><\/p>\n\n\n\n\n\n
<\/td>\nKi adja?<\/b><\/td>\nKiknek sz\u00f3l?<\/b><\/td>\nMilyen konstrukci\u00f3?<\/b><\/td>\nMennyi a t\u00e1mogat\u00e1s maxim\u00e1lis \u00f6sszege?<\/b><\/td>\n<\/tr>\n
Rent Deposit Scheme<\/b><\/td>\nK\u00f6rzeti Tan\u00e1csok (District Council)<\/span><\/td>\nHajl\u00e9ktalans\u00e1gban \u00e9l\u0151knek \u00e9s hajl\u00e9ktalans\u00e1ggal fenyegetetteknek<\/span><\/td>\nV\u00e1laszthat\u00f3: 12 h\u00f3nap alatt visszafizetend\u0151 kamatmentes k\u00f6lcs\u00f6n vagy garancia (k\u00f6tv\u00e9ny) a Tan\u00e1cs r\u00e9sz\u00e9r\u0151l<\/span><\/td>\nNincs meghat\u00e1rozva, a Tan\u00e1cs \u00a0saj\u00e1t hat\u00e1sk\u00f6r\u00e9ben d\u00f6nti el, hogy az adott \u00f6sszeg \u00e9sszer\u0171-e<\/span><\/td>\n<\/tr>\n
Avance Loca-Pass<\/b><\/td>\nAction Logement<\/span><\/td>\nPriv\u00e1t szf\u00e9r\u00e1ban dolgoz\u00f3knak vagy 30 \u00e9ven aluliaknak<\/span><\/td>\n25 h\u00f3nap alatt visszafizetend\u0151 kamatmentes k\u00f6lcs\u00f6n<\/span><\/td>\nMaximum 1200 eur\u00f3<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


\nHazai helyzet<\/b><\/p>\n

Magyarorsz\u00e1gon ha valaki ki szeretne b\u00e9relni egy lak\u00e1st vagy egy szob\u00e1t, \u00e1ltal\u00e1ban k\u00e9t havi lakb\u00e9rt szoktak elk\u00e9rni kauci\u00f3k\u00e9nt: ez \u00a0egy kis szoba eset\u00e9n k\u00f6r\u00fclbel\u00fcl 80 000 forintot jelent, de egy \u00e1tlagos budapesti lak\u00e1sn\u00e1l a kauci\u00f3 m\u00e1r el\u00e9rheti a 300 000 forintot is. Sokaknak neh\u00e9zs\u00e9get okozhat a kauci\u00f3 kifizet\u00e9se: p\u00e9ld\u00e1ul, akik kistelep\u00fcl\u00e9sekr\u0151l nagyv\u00e1rosokba k\u00f6lt\u00f6znek az\u00e9rt, hogy munk\u00e1t v\u00e1llaljanak. A k\u00f6lt\u00f6z\u00e9ssel a kauci\u00f3 mellett egy\u00e9b k\u00f6lts\u00e9gek is jelentkeznek, \u00e9s az els\u0151 fizet\u00e9s csak egy h\u00f3nap m\u00falva \u00e9rkezik, \u00edgy gondot jelent a kezdeti k\u00f6lts\u00e9gek \u00e1thidal\u00e1sa. <\/span><\/p>\n

A Habitat for Humanity szeretn\u00e9 el\u00e9rni, hogy j\u00f6jj\u00f6n l\u00e9tre Magyarorsz\u00e1gon is kauci\u00f3t\u00e1mogat\u00e1s, az\u00e9rt, hogy k\u00f6nnyebb\u00e9 v\u00e1ljon a b\u00e9rleti szektorba val\u00f3 bel\u00e9p\u00e9st. T\u00e1gabb \u00e9rtelemben pedig a munkaer\u0151piaci mobilit\u00e1st is n\u00f6veln\u00e9. Elk\u00e9pzel\u00e9s\u00fcnk szerint a t\u00e1mogat\u00e1s a kauci\u00f3 \u00e9rt\u00e9k\u00e9nek 70%-\u00e1t fedezn\u00e9, teh\u00e1t mindenk\u00e9ppen a b\u00e9rl\u0151knek is hozz\u00e1 kell j\u00e1rulnia m\u00e1r a kezdetekn\u00e9l. A kauci\u00f3t\u00e1mogat\u00e1s egy garancialapk\u00e9nt m\u0171k\u00f6dne, melyb\u0151l k\u00e1rokoz\u00e1s eset\u00e9n a tulajdonos leh\u00edvhatja a sz\u00fcks\u00e9ges \u00f6sszeget (maximum a kauci\u00f3 plafonj\u00e1ig). A rendszer eleme lehet egy r\u00e9szletfizet\u00e9si opci\u00f3: a b\u00e9rl\u0151 kamatmentesen, kedvez\u0151 r\u00e9szletekben fizetn\u00e9 be a kauci\u00f3 fennmarad\u00f3 r\u00e9sz\u00e9t, s azt a b\u00e9rleti jogviszony v\u00e9g\u00e9n visszakapn\u00e1, \u00edgy ak\u00e1r fedezni is tudja a k\u00f6vetkez\u0151 kauci\u00f3t. A garanciaalap r\u00e9szletfizet\u00e9si opci\u00f3 n\u00e9lk\u00fcl is m\u0171k\u00f6dik, ebben az esetben a b\u00e9rl\u0151 k\u00e1rokoz\u00e1s eset\u00e9n k\u00f6teles a garancia-alap sz\u00e1m\u00e1ra visszafizetni a p\u00e9nzt, \u00e1m \u00edgy nincs \u201cel\u0151takar\u00e9koss\u00e1gi opci\u00f3\u201d. A garanciaalap amellett, hogy megk\u00f6nny\u00edti a b\u00e9rl\u0151k sz\u00e1m\u00e1ra a piacra val\u00f3 bel\u00e9p\u00e9st, egy k\u00fcls\u0151 int\u00e9zm\u00e9ny bevon\u00e1sa r\u00e9v\u00e9n a kauci\u00f3val kapcsolatos, b\u00e9rl\u0151 \u00e9s tulajdonos k\u00f6z\u00f6tti vit\u00e1k k\u00f6z\u00fcl sz\u00e1mosat kik\u00fcsz\u00f6b\u00f6lhetne.<\/span><\/p>\n

Forr\u00e1sok: <\/strong><\/p>\n

http:\/\/www.huntingdonshire.gov.uk\/housing\/advice-for-tenants\/rent-deposit-scheme\/<\/span><\/a><\/p>\n

https:\/\/www.actionlogement.fr\/l-avance-loca-pass<\/span><\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Alb\u00e9rletkeres\u00e9skor sokan szembes\u00fclnek azzal, hogy a magas alb\u00e9rlet\u00e1rak kifizet\u00e9se mellett a kauci\u00f3 lerak\u00e1sa is jelent\u0151s probl\u00e9m\u00e1t okoz, nem csak az alacsonyabb j\u00f6vedelm\u0171ek, de keres\u0151 emberek sz\u00e1m\u00e1ra, hanem egyetemist\u00e1knak, illetve vid\u00e9kr\u0151l nagyv\u00e1rosokba k\u00f6lt\u00f6z\u0151knek is. A Habitat ennek a probl\u00e9m\u00e1nak a megold\u00e1s\u00e1ra javasolja \u00a0a kauci\u00f3-t\u00e1mogat\u00e1s bevezet\u00e9s\u00e9t, ami k\u00fcl\u00f6nb\u00f6z\u0151 form\u00e1ban m\u00e1r az Egyes\u00fclt Kir\u00e1lys\u00e1gban \u00e9s Franciaorsz\u00e1gban is m\u0171k\u00f6dik. […]<\/p>\n","protected":false},"author":2,"featured_media":283,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erdekessegek"],"yoast_head":"\nAlb\u00e9rletet keresek kauci\u00f3 n\u00e9lk\u00fcl! - Kauci\u00f3t\u00e1mogat\u00e1s, mint m\u0171k\u00f6d\u0151 j\u00f3 p\u00e9lda - Feketelak\u00e1s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habitat.hu\/sites\/feketelakas\/2018\/11\/07\/alberletet-keresek-kaucio-nelkul-kauciotamogatas-mint-mukodo-jo-pelda\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alb\u00e9rletet keresek kauci\u00f3 n\u00e9lk\u00fcl! - Kauci\u00f3t\u00e1mogat\u00e1s, mint m\u0171k\u00f6d\u0151 j\u00f3 p\u00e9lda - Feketelak\u00e1s\" \/>\n<meta property=\"og:description\" content=\"Alb\u00e9rletkeres\u00e9skor sokan szembes\u00fclnek azzal, hogy a magas alb\u00e9rlet\u00e1rak kifizet\u00e9se mellett a kauci\u00f3 lerak\u00e1sa is jelent\u0151s probl\u00e9m\u00e1t okoz, nem csak az alacsonyabb j\u00f6vedelm\u0171ek, de keres\u0151 emberek sz\u00e1m\u00e1ra, hanem egyetemist\u00e1knak, illetve vid\u00e9kr\u0151l nagyv\u00e1rosokba k\u00f6lt\u00f6z\u0151knek is. A Habitat ennek a probl\u00e9m\u00e1nak a megold\u00e1s\u00e1ra javasolja \u00a0a kauci\u00f3-t\u00e1mogat\u00e1s bevezet\u00e9s\u00e9t, ami k\u00fcl\u00f6nb\u00f6z\u0151 form\u00e1ban m\u00e1r az Egyes\u00fclt Kir\u00e1lys\u00e1gban \u00e9s Franciaorsz\u00e1gban is m\u0171k\u00f6dik. 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