{"id":76,"date":"2019-11-07T18:03:28","date_gmt":"2019-11-07T17:03:28","guid":{"rendered":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes\/?page_id=76"},"modified":"2020-01-22T22:32:38","modified_gmt":"2020-01-22T21:32:38","slug":"koltsegvetes-es-kozpolitika","status":"publish","type":"page","link":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2019\/koltsegvetes-es-kozpolitika\/","title":{"rendered":"K\u00f6lts\u00e9gvet\u00e9s \u00e9s k\u00f6zpolitika"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;3.22&#8243;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.0.6&#8243; custom_padding=&#8221;8%||8%||false|false&#8221;][et_pb_slide heading=&#8221;K\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok \u00e9s k\u00f6zpolitikai v\u00e1ltoz\u00e1sok&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.0.6&#8243; header_font=&#8221;|800||on|||||&#8221; header_font_size=&#8221;55px&#8221; header_line_height=&#8221;1.1em&#8221; background_color=&#8221;#385988&#8243; background_enable_color=&#8221;on&#8221; background_enable_image=&#8221;off&#8221; background_blend=&#8221;darken&#8221; button_on_hover=&#8221;on&#8221; child_mix_blend_mode=&#8221;darken&#8221; header_font_size_tablet=&#8221;45px&#8221; header_font_size_phone=&#8221;35px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<p>Szerz\u0151: Jelinek Csaba <em>(MTA KRTK, Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont)<\/em>. Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3, a teljes lakhat\u00e1si jelent\u00e9s <a href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes\/wp-content\/uploads\/sites\/5\/2019\/11\/hfhh_lakhatasi_jelentes_2019.pdf\">let\u00f6lthet\u0151 itt<\/a>. <\/p>\n<p>[\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;3.22&#8243;][et_pb_row _builder_version=&#8221;4.0.5&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h3>A k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s lakhat\u00e1si kiad\u00e1sai<\/h3>\n<p>A 2018-as \u00e9vben is az a trend er\u0151s\u00f6d\u00f6tt, hogy b\u00e1r egyre t\u00f6bb p\u00e9nzt ford\u00edt a korm\u00e1nyzat lakhat\u00e1si c\u00e9lokra, azok egyre ink\u00e1bb a tehet\u0151sebbek lakhat\u00e1s\u00e1t seg\u00edtik. A 2020-as k\u00f6lts\u00e9gvet\u00e9si terv alapj\u00e1n majdnem tizenegyszer annyit fog 2019-ben a korm\u00e1ny szoci\u00e1lisan nem c\u00e9lzott m\u00f3don lakhat\u00e1si c\u00e9lokra elk\u00f6lteni, mint amennyit a kifejezetten r\u00e1szorul\u00f3 csal\u00e1dokra. M\u00edg 2019-ben nagyj\u00e1b\u00f3l 300 milli\u00e1rd forintot, addig 2020-ban m\u00e1r majdnem 350 milli\u00e1rd forintot ford\u00edt a korm\u00e1nyzat erre a ter\u00fcletre. Egy\u00e9rtelm\u0171 cs\u00f6kken\u00e9st l\u00e1thatunk a Nemzeti Eszk\u00f6zkezel\u0151re ford\u00edtott k\u00f6lts\u00e9gekben, hiszen ez az int\u00e9zm\u00e9ny radik\u00e1lisan \u00e1talakul. Az egy\u00e9b szoci\u00e1lisan c\u00e9lzott kiad\u00e1sok eset\u00e9ben \u2013 mint amilyen a szoci\u00e1lis t\u0171zifa, a telep\u00fcl\u00e9si t\u00e1mogat\u00e1s vagy a hajl\u00e9ktalanell\u00e1t\u00e1s \u2013 nincs n\u00f6veked\u00e9s tov\u00e1bbra sem.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; width=&#8221;70%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; 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header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<p>B\u00e1r a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1rakba fektetett megtakar\u00edt\u00e1sok t\u00e1mogat\u00e1sa tov\u00e1bbra is jelent\u0151s, a tavalyi m\u00f3dos\u00edt\u00e1s miatt ez a k\u00f6vetkez\u0151 \u00e9vekben cs\u00f6kkenni fog. K\u00e9t helyen azonban egy\u00e9rtelm\u0171 n\u00f6veked\u00e9s l\u00e1tszik: a Csal\u00e1dok Otthonteremt\u00e9si Kedvezm\u00e9nye (CSOK), illetve a lak\u00e1stulajdon-szerz\u00e9st t\u00e1mogat\u00f3 int\u00e9zked\u00e9sek eset\u00e9ben. A legnagyobb n\u00f6veked\u00e9st az \u00fagynevezett \u201efalusi CSOK\u201d bevezet\u00e9s\u00e9re tervezett 60 milli\u00e1rd forint jelenti.<\/p>\n<blockquote><p><span style=\"font-size: 14px;\"><em><strong>Csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9ny (CSOK):<\/strong> A CSOK egy Magyarorsz\u00e1g Korm\u00e1nya \u00e1ltal ny\u00fajtott t\u00e1mogat\u00e1s. A CSOK \u00faj lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1hoz vagy \u00e9p\u00edt\u00e9s\u00e9hez, valamint haszn\u00e1lt lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1hoz vagy b\u0151v\u00edt\u00e9s\u00e9hez ig\u00e9nyelhet\u0151, vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1s. A kedvezm\u00e9nyt a jogszab\u00e1lyban r\u00f6gz\u00edtett felt\u00e9telek teljes\u00fcl\u00e9se eset\u00e9n az arra jogosult t\u00e1mogatott szem\u00e9lyek vehetik ig\u00e9nybe, legal\u00e1bb egy \u2013 megl\u00e9v\u0151 \u00e9s\/vagy v\u00e1llalt \u2013 gyermek ut\u00e1n.<\/em><\/span><\/p><\/blockquote>\n<h3>A lakhat\u00e1st \u00e9rint\u0151 jelent\u0151sebb k\u00f6zpolitikai v\u00e1ltoz\u00e1sok 2018\/2019-ben<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;CSOK&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>CSOK<\/h4>\n<p>\u00c9vek \u00f3ta a lakhat\u00e1sra ford\u00edtott korm\u00e1nyzati kiad\u00e1sok egyik legjelent\u0151sebb r\u00e9sz\u00e9t a CSOK jelenti. 2018-ban \u00f6sszesen 27 153 ig\u00e9nyl\u0151vel t\u00f6rt\u00e9nt szerz\u0151d\u00e9sk\u00f6t\u00e9s 84,2 milli\u00e1rd forint \u00e9rt\u00e9kben. Emellett 2018-ban 8 858 CSOK-ig\u00e9nyl\u0151vel k\u00f6t\u00f6ttek szerz\u0151d\u00e9st otthonteremt\u00e9si kamatt\u00e1mogatott hitelre (OTK), tov\u00e1bbi 66,1 milli\u00e1rd forint \u00e9rt\u00e9kben. 2017-hez k\u00e9pest ez a megk\u00f6t\u00f6tt szerz\u0151d\u00e9sek sz\u00e1m\u00e1t n\u00e9zve a CSOK eset\u00e9ben 3,5 sz\u00e1zal\u00e9kos emelked\u00e9s.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text _builder_version=&#8221;4.0.6&#8243;]<div class=\"infogram-embed\" data-id=\"b5c279c7-ca28-47a5-a613-7a35a30d91df\" data-type=\"interactive\"><\/div><script>!function(e,t,s,i){var n=\"InfogramEmbeds\",o=e.getElementsByTagName(\"script\"),d=o[0],r=\/^http:\/.test(e.location)?\"http:\":\"https:\";if(\/^\\\/{2}\/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(\"script\");a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,\"infogram-async\",\"\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;LTP&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>Lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1rak<\/h4>\n<p>2018 egyik legeml\u00e9kezetesebb lak\u00e1spolitikai d\u00f6nt\u00e9se a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1rak \u00e1llami t\u00e1mogat\u00e1s\u00e1nak a megsz\u00fcntet\u00e9se volt. B\u00e1r ez a megtakar\u00edt\u00e1si m\u00f3d els\u0151sorban a k\u00f6z\u00e9poszt\u00e1lybeli csal\u00e1dok lakhat\u00e1si probl\u00e9m\u00e1it enyh\u00edtette, sokszor ez jelentette a lak\u00e1spiacra kil\u00e9p\u0151 fiatalok legfontosabb \u00e1llami t\u00e1mogat\u00e1s\u00e1t, amely nem k\u00f6vetelt meg semmilyen k\u00f6t\u00f6tt p\u00e1rkapcsolati vagy gyerekv\u00e1llal\u00e1si elk\u00f6telez\u0151d\u00e9st. Az elm\u00falt \u00e9vekben a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s \u00e9vi nagyj\u00e1b\u00f3l 60 milli\u00e1rd forintot k\u00f6lt\u00f6tt a lak\u00e1stakar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sok t\u00e1mogat\u00e1s\u00e1ra: ez az \u00f6sszeg a k\u00f6vetkez\u0151 \u00e9vekben fokozatosan cs\u00f6kkenni fog, \u00e9s a korm\u00e1nyzati kommunik\u00e1ci\u00f3 szerint az \u00edgy felszabad\u00edtott forr\u00e1sokat a CSOK-ra fogj\u00e1k ford\u00edtani.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;Ad\u00f3politika&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>Ad\u00f3politika<\/h4>\n<p>A korm\u00e1nyzati a\u00f3d\u00f3politika is nagy r\u00e9szben hozz\u00e1j\u00e1rul k\u00fcl\u00f6nb\u00f6z\u0151 lakhat\u00e1si folyamatokhoz. 2018-ban az egyik legfontosabb ad\u00f3z\u00e1st \u00e9rint\u0151 d\u00f6nt\u00e9s az \u00faj\u00e9p\u00edt\u00e9s\u0171 lak\u00e1sokra vonatkoz\u00f3 cs\u00f6kkentett, 5 sz\u00e1zal\u00e9kos \u00c1FA \u00e9rv\u00e9nyess\u00e9gi idej\u00e9nek a meghosszabb\u00edt\u00e1sa volt. A d\u00f6nt\u00e9s \u00e9rtelm\u00e9ben 2023-ig a kedvezm\u00e9nyes \u00c1FA-kulccsal \u00e9rt\u00e9kes\u00edthet\u0151ek azok az \u00faj\u00e9p\u00edt\u00e9s\u0171 lak\u00e1sok, melyek 2018. november 1-\u00e9n hat\u00e1lyos \u00e9p\u00edt\u00e9si enged\u00e9llyel rendelkeztek. T\u00f6bb m\u00e1s t\u00e9nyez\u0151 mellett ez az int\u00e9zked\u00e9s is hozz\u00e1j\u00e1rult az \u00e9p\u00edt\u0151ipar b\u0151v\u00fcl\u00e9s\u00e9hez, az \u00e1tadott \u00faj\u00e9p\u00edt\u00e9s\u0171 lak\u00e1sok emelked\u0151 sz\u00e1m\u00e1hoz, \u00e9s a lak\u00e1spiaci lufi n\u00f6veked\u00e9s\u00e9hez.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;Devizav\u00e1ls\u00e1g&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>Devizahitel-v\u00e1ls\u00e1g<\/h4>\n<p>Az MNB adatai szerint 2018 v\u00e9g\u00e9n m\u00e9g mindig 110 000 nem teljes\u00edt\u0151 jelz\u00e1loghitel volt a teljes p\u00e9nz\u00fcgyi rendszerben, \u00e9s csak a bankokn\u00e1l t\u00f6bb mint 200 milli\u00e1rd forint \u00e9rt\u00e9kben voltak 90 napon t\u00fal nem teljes\u00edt\u0151 hitelek. Ehhez tartozik, hogy ek\u00f6zben a hiteltartoz\u00e1sok jelent\u0151s r\u00e9sze a bankokt\u00f3l \u00e1tker\u00fclt k\u00fcl\u00f6nb\u00f6z\u0151 k\u00f6vetel\u00e9skezel\u0151 c\u00e9gekhez, azaz a teljes hitelmennyis\u00e9g val\u00f3j\u00e1ban enn\u00e9l j\u00f3val nagyobb is lehet. 2018 sor\u00e1n emiatt t\u00f6bb mint 6 000 nem teljes\u00edt\u0151 hitelfelvev\u0151 ingatlanj\u00e1t kellett k\u00e9nyszer\u00e9rt\u00e9kes\u00edteni, mik\u00f6zben a Magyar B\u00edr\u00f3i V\u00e9grehajt\u00f3i Kar adatai alapj\u00e1n 2018 sor\u00e1n 3 212 ingatlan-ki\u00fcr\u00edt\u00e9s t\u00f6rt\u00e9nt; \u00e1tlagosan naponta 8,8.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text _builder_version=&#8221;4.0.6&#8243;]<div class=\"infogram-embed\" data-id=\"c6a1c19e-29a2-4649-9af0-ff30e4c8fef8\" data-type=\"interactive\"><\/div><script>!function(e,t,s,i){var n=\"InfogramEmbeds\",o=e.getElementsByTagName(\"script\"),d=o[0],r=\/^http:\/.test(e.location)?\"http:\":\"https:\";if(\/^\\\/{2}\/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(\"script\");a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,\"infogram-async\",\"\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;NET&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>Nemzeti Eszk\u00f6zkezel\u0151 (NET)<\/h4>\n<p>A devizahitel-v\u00e1ls\u00e1g kezel\u00e9s\u00e9hez kapcsol\u00f3d\u00f3 Nemzeti Eszk\u00f6zkezel\u0151 Zrt. 2012 \u00f3ta a hiteleik miatt fizet\u00e9sk\u00e9ptelenn\u00e9 v\u00e1l\u00f3, lakhat\u00e1si gondokkal k\u00fczd\u0151 h\u00e1ztart\u00e1sokat seg\u00edti. Ennek az int\u00e9zm\u00e9nynek a fel\u00e1ll\u00edt\u00e1sa a korm\u00e1ny devizahitel-ment\u0151 int\u00e9zked\u00e9seinek egyetlen jelent\u0151s, szeg\u00e9nyebb h\u00e1ztart\u00e1sokat c\u00e9lz\u00f3 eleme volt. Egy 2018. novemberi korm\u00e1nyrendelet alapj\u00e1n azonban a NET Zrt. m\u0171k\u00f6d\u00e9se radik\u00e1lisan \u00e1t fog alakulni a jelenlegi lak\u00e1s\u00e1llom\u00e1nyuk nagy r\u00e9sz\u00e9nek privatiz\u00e1l\u00e1sa ut\u00e1n. Ezzel a v\u00e1ltoz\u00e1ssal a NET Zrt. a j\u00f6v\u0151ben egy sokkal kisebb szervezett\u00e9 v\u00e1lik, amely a folyamatosan cs\u00f6kken\u0151 ingatlan\u00e1llom\u00e1ny\u00e1t, \u00e9s a t\u00f6red\u00e9k\u00e9re cs\u00f6kken\u0151 b\u00e9rl\u0151ket fogja menedzselni tov\u00e1bbi ingatlanv\u00e1s\u00e1rl\u00e1sok n\u00e9lk\u00fcl. A hat\u00e1sk\u00f6r\u00e9b\u0151l, jelent\u0151s\u00e9g\u00e9b\u0151l, lak\u00e1s\u00e1llom\u00e1ny\u00e1b\u00f3l \u00e9s politikai t\u00e1mogatotts\u00e1g\u00e1b\u00f3l sajnos folyamatosan veszt\u0151 NET Zrt. p\u00e9ld\u00e1ja j\u00f3l mutatja, hogy megfelel\u0151 politikai akarattal p\u00e1r \u00e9v alatt jelent\u0151s m\u00e9rt\u00e9kben n\u00f6velhet\u0151 lehetne, \u00e9s n\u00f6velhet\u0151 is volt a k\u00f6ztulajdon\u00fa b\u00e9rlak\u00e1sok \u00e1llom\u00e1nya. A NET Zrt. bizony\u00edtotta, hogy a lakhat\u00e1sra ford\u00edtott \u00e1llami kiad\u00e1sok t\u00f6red\u00e9ke el\u00e9g lenne t\u00f6bb t\u00edzezer lak\u00e1sprobl\u00e9m\u00e1val k\u00fczd\u0151 ember megseg\u00edt\u00e9s\u00e9re.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;Hajl\u00e9ktalans\u00e1g&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>A hajl\u00e9ktalans\u00e1g kriminaliz\u00e1ci\u00f3ja<\/h4>\n<p>2018-ban a lak\u00e1sszeg\u00e9nys\u00e9g szempontj\u00e1b\u00f3l az egyik legdr\u00e1maibb d\u00f6nt\u00e9s a k\u00f6zt\u00e9ri hajl\u00e9ktalans\u00e1g tov\u00e1bbi kriminaliz\u00e1ci\u00f3ja volt. Az Alapt\u00f6rv\u00e9ny m\u00f3dos\u00edt\u00e1sa, majd az \u00faj szab\u00e1lys\u00e9rt\u00e9si t\u00f6rv\u00e9ny megszavaz\u00e1sa ut\u00e1n 2018. okt\u00f3ber 15-t\u0151l az \u201e\u00e9letvitelszer\u0171en k\u00f6zter\u00fcleten \u00e9l\u0151k\u201d szab\u00e1lys\u00e9rt\u00e9st k\u00f6vetnek el, \u00e9s ak\u00e1r elz\u00e1r\u00e1ssal is b\u00fcntethet\u0151k. Mindezt annak ellen\u00e9re, hogy 2019. janu\u00e1r 1-\u00e9n orsz\u00e1gosan 3 719 egy-egy \u00e9jszak\u00e1ra ig\u00e9nybe vehet\u0151 \u00e9jjeli mened\u00e9khely f\u00e9r\u0151hely volt a hajl\u00e9ktalanell\u00e1t\u00e1sban, melyek 97 sz\u00e1zal\u00e9kos kihaszn\u00e1lts\u00e1ggal m\u0171k\u00f6dtek, \u00edgy t\u00f6bb telep\u00fcl\u00e9sen a k\u00f6zter\u00fcleten \u00e9l\u0151 hajl\u00e9ktalan emberek sz\u00e1ma l\u00e9nyegesen meghaladta az adott telep\u00fcl\u00e9sen egy\u00e1ltal\u00e1n m\u0171k\u00f6d\u0151 \u00e9jjeli mened\u00e9khelyek f\u00e9r\u0151helysz\u00e1m\u00e1t. Ennek ellen\u00e9re Magyarorsz\u00e1gon tov\u00e1bbra is alkotm\u00e1nyellenes, \u00e9s ak\u00e1r elz\u00e1r\u00e1ssal b\u00fcntethet\u0151 a lak\u00e1sszeg\u00e9nys\u00e9g egyik legs\u00falyosabb form\u00e1ja, a k\u00f6zt\u00e9ri hajl\u00e9ktalans\u00e1g.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text _builder_version=&#8221;4.0.6&#8243;]<div class=\"infogram-embed\" data-id=\"c2ff0eb2-e176-485d-ad30-b8b0c4c1dff6\" data-type=\"interactive\"><\/div><script>!function(e,t,s,i){var n=\"InfogramEmbeds\",o=e.getElementsByTagName(\"script\"),d=o[0],r=\/^http:\/.test(e.location)?\"http:\":\"https:\";if(\/^\\\/{2}\/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(\"script\");a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,\"infogram-async\",\"\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;Felz\u00e1rk\u00f3ztat\u00e1s&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_4_text_color=&#8221;#385988&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h4>T\u00e1rsadalmi felz\u00e1rk\u00f3z\u00e1s<\/h4>\n<p>A szakpolitikai v\u00e1ltoz\u00e1sok k\u00f6zt tov\u00e1bbi fejlem\u00e9ny a T\u00e1rsadalmi Felz\u00e1rk\u00f3z\u00e1s\u00e9rt Felel\u0151s Helyettes \u00c1llamtitk\u00e1rs\u00e1g \u00e1tker\u00fcl\u00e9se a Bel\u00fcgyminiszt\u00e9rium al\u00e1. A helyettes \u00e1llamtitk\u00e1rs\u00e1g szakmai munk\u00e1j\u00e1nak koordin\u00e1ci\u00f3j\u00e1\u00e9rt a frissen kinevezett t\u00e1rsadalmi felz\u00e1rk\u00f3z\u00e1s\u00e9rt felel\u0151s minisztereln\u00f6ki biztos, a Magyar M\u00e1ltai Szeretetszolg\u00e1lat aleln\u00f6ke lesz. Mivel a Magyar M\u00e1ltai Szeretetszolg\u00e1lat az orsz\u00e1g t\u00f6bb pontj\u00e1n is megval\u00f3s\u00edt\u00f3 volt az elm\u00falt \u00e9vekben k\u00fcl\u00f6nb\u00f6z\u0151 felz\u00e1rk\u00f3ztat\u00e1si, lakhat\u00e1si probl\u00e9m\u00e1kkal is foglalkoz\u00f3 projektekben, a szakmai st\u00e1b tapasztalata ak\u00e1r pozit\u00edv ir\u00e1nyba is viheti a lak\u00e1sszeg\u00e9nys\u00e9ggel kapcsolatos \u00e1llami politik\u00e1kat.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.0.5&#8243;][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.0.5&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.0.5&#8243;][et_pb_text admin_label=&#8221;Javaslatok&#8221; _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; background_color=&#8221;#385988&#8243; background_layout=&#8221;dark&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;3%|3%|3%|3%|false|false&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<h3 style=\"padding-top: 0;\">Javaslatok<\/h3>\n<p>A Habitatn\u00e1l \u00fagy gondoljuk, fontos, hogy a lakhat\u00e1si kiad\u00e1sok c\u00e9lzottan jussanak el a lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151kh\u00f6z, p\u00e9ld\u00e1ul k\u00f6zpontilag finansz\u00edrozott lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s, vagy megfizethet\u0151 b\u00e9rlak\u00e1sok \u00e9p\u00edt\u00e9s\u00e9nek a finansz\u00edroz\u00e1sa form\u00e1j\u00e1ban. Emellett a NET Zrt. \u00e9s ahhoz hasonl\u00f3 lak\u00e1skezel\u0151 t\u00e1rsas\u00e1gok modellj\u00e9nek t\u00e1mogat\u00e1s\u00e1t, kiterjeszt\u00e9s\u00e9t \u00e9s tov\u00e1bbgondol\u00e1s\u00e1t javasoljuk, \u00edgy megold\u00e1st k\u00edn\u00e1lva a lakhat\u00e1si v\u00e1ls\u00e1gban \u00e9rintett lakoss\u00e1gnak.<\/p>\n<p>Fontos lenne m\u00e9g az \u00f6nkorm\u00e1nyzati b\u00e9rlak\u00e1srendszer fenntart\u00e1s\u00e1ra, vagy b\u0151v\u00edt\u00e9s\u00e9re ford\u00edtott k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9sb\u0151l sz\u00e1rmaz\u00f3 forr\u00e1sok megteremt\u00e9se \u00e9s n\u00f6vel\u00e9se, amely egy j\u00f6v\u0151beli, 2008-as v\u00e1ls\u00e1ghoz hasonl\u00f3 helyzet eset\u00e9n bek\u00f6vetkez\u0151 t\u00e1rsadalmi t\u00f6r\u00e9st el\u0151zhetne meg.<\/p>\n<p>Javasoljuk a CSOK \u00fajragondol\u00e1s\u00e1t, \u00e9rz\u00e9keny\u00edt\u00e9s\u00e9t \u00e9s a h\u00e1tr\u00e1nyos helyzet\u0171 csal\u00e1dok ir\u00e1ny\u00e1ba t\u00f6rt\u00e9n\u0151 nyit\u00e1s\u00e1t, amely csak egy \u00e1tgondolt, szoci\u00e1lisan \u00e9s ter\u00fcleti egyenl\u0151tlens\u00e9gekre \u00e9rz\u00e9keny, \u00e1tfog\u00f3 lak\u00e1spolitika mellett k\u00e9pzelhet\u0151 el. \u00dagy gondoljuk, hogy a lak\u00e1shitelez\u00e9s t\u00e1mogat\u00e1s\u00e1ra ford\u00edtott \u00e1llami kiad\u00e1sokat a kev\u00e9sb\u00e9 tehet\u0151s, r\u00e1szorul\u00f3 r\u00e9tegek lakhat\u00e1s\u00e1nak t\u00e1mogat\u00e1s\u00e1ra, illetve az elad\u00f3sod\u00e1s megel\u0151z\u00e9s\u00e9re kellene ford\u00edtani.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.0.6&#8243; 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A kor\u00e1bban hajl\u00e9ktalan Irma az Els\u0151k\u00e9nt Lakhat\u00e1st programunkban \u00faj\u00edtott fel \u00f6nk\u00e9ntesekkel k\u00f6z\u00f6sen egy b\u00e9rlak\u00e1st \u00dajpesten, amiben m\u00e1r m\u00e1sodik \u00e9ve lakik. Kor\u00e1bban hajl\u00e9ktalansz\u00e1ll\u00f3kon, illetve egy haszn\u00e1laton k\u00edv\u00fcli \u00e9p\u00fclet egyik helyis\u00e9g\u00e9ben h\u00fazta meg mag\u00e1t. Els\u0151k\u00e9nt Lakhat\u00e1st programunkban 2015 \u00f3ta 19 lak\u00e1st \u00faj\u00edtottunk fel \u00f6nk\u00e9ntesek \u00e9s t\u00e1mogat\u00f3k seg\u00edts\u00e9g\u00e9vel, amelyekbe 36 kor\u00e1bban hajl\u00e9ktalan ember k\u00f6lt\u00f6z\u00f6tt.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Szerz\u0151: Jelinek Csaba (MTA KRTK, Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont). Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3, a teljes lakhat\u00e1si jelent\u00e9s let\u00f6lthet\u0151 itt. 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