{"id":82,"date":"2019-11-07T18:04:49","date_gmt":"2019-11-07T17:04:49","guid":{"rendered":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes\/?page_id=82"},"modified":"2019-11-17T21:11:08","modified_gmt":"2019-11-17T20:11:08","slug":"megfizethetoseg","status":"publish","type":"page","link":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2019\/megfizethetoseg\/","title":{"rendered":"Megfizethet\u0151s\u00e9g"},"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; hover_enabled=&#8221;0&#8243;][et_pb_slide heading=&#8221;Megfizethet\u0151s\u00e9g&#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;#43b02a&#8221; 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; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;45px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<p>Szerz\u0151: \u00c1mon Kata <em>(K\u00f6z\u00e9p-eur\u00f3pai Egyetem)<\/em> \u2022 Balogi Anna <em>(Menhely Alap\u00edtv\u00e1ny)<\/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;4.0.6&#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;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#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<p>A lakhat\u00e1si szeg\u00e9nys\u00e9g egyik legfontosabb dimenzi\u00f3ja a megfizethet\u0151s\u00e9g, amit abban lehet m\u00e9rni, hogy a h\u00e1ztart\u00e1sok k\u00e9pesek-e megfizetni egy t\u00e1rsadalmilag elfogadhat\u00f3 (\u201emegfelel\u0151\u201d) lak\u00e1s k\u00f6lts\u00e9geit, \u00fagy, hogy k\u00f6zben a lak\u00e1sk\u00f6lts\u00e9gek nem jelentenek olyan nagy terhet, ami kock\u00e1ztatja a csal\u00e1dok mindennapi meg\u00e9lhet\u00e9s\u00e9t. Lak\u00e1sk\u00f6lts\u00e9g lehet egy lak\u00e1s b\u00e9rleti d\u00edja, a lak\u00e1shitel t\u00f6rleszt\u0151r\u00e9szlete, az energia \u00e9s m\u00e1s rezsik\u00f6lts\u00e9gek, de ugyan\u00edgy a karbantart\u00e1s \u00e9s a jav\u00edt\u00e1s k\u00f6lts\u00e9gei is. Nemzetk\u00f6zileg elismert mutat\u00f3, hogy egy h\u00e1ztart\u00e1s lakhat\u00e1sa akkor megfizethet\u0151, ha ezek a k\u00f6lts\u00e9gek nem haladj\u00e1k meg a h\u00e1ztart\u00e1s kiad\u00e1sainak 30-40 sz\u00e1zal\u00e9k\u00e1t.<\/p>\n<p>Ma Magyarorsz\u00e1gon a megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k a legszeg\u00e9nyebb embereket \u00e1ll\u00edtj\u00e1k a legnagyobb kih\u00edv\u00e1s el\u00e9: \u0151k azok, akik legink\u00e1bb kitettek a rossz lak\u00f3k\u00f6r\u00fclm\u00e9nyek k\u00f6zt t\u00f6lt\u00f6tt mindennapoknak, s\u0151t ak\u00e1r a lakhat\u00e1suk elveszt\u00e9s\u00e9nek is. Azonban nem \u0151k az egyetlenek, akiket a probl\u00e9ma \u00e9rint: a lakhat\u00e1si v\u00e1ls\u00e1g m\u00e9ly\u00fcl\u00e9s\u00e9vel az als\u00f3 k\u00f6z\u00e9poszt\u00e1ly, s\u0151t a k\u00f6z\u00e9poszt\u00e1ly tagjai is \u00e9rintettek a megfizethet\u0151s\u00e9g k\u00fcl\u00f6nb\u00f6z\u0151 probl\u00e9m\u00e1iban.<\/p>\n<h3>Megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k k\u00f6vetkezm\u00e9nyei: ad\u00f3ss\u00e1g, \u00e1rn\u00f6veked\u00e9s \u00e9s kilakoltat\u00e1sok<\/h3>\n<p>Az Eurostat 2018-as adatai szerint Magyarorsz\u00e1gon a h\u00e1ztart\u00e1sok k\u00f6zel 10 sz\u00e1zal\u00e9k\u00e1nak a lakhat\u00e1ssal kapcsolatos kiad\u00e1sai meghaladj\u00e1k a nett\u00f3 j\u00f6vedelm\u00fck 40 sz\u00e1zal\u00e9k\u00e1t, azaz <strong>minden tizedik h\u00e1ztart\u00e1s s\u00falyos megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1kkal k\u00fczd<\/strong>. Ezzel az ar\u00e1nnyal utols\u00f3k k\u00f6z\u00f6tt vagyunk a kelet-eur\u00f3pai orsz\u00e1gok k\u00f6zt.<\/p>\n<h3>Az alb\u00e9rlet\u00e1rak n\u00f6veked\u00e9se<\/h3>\n<p>A jofogas.hu adatai szerint <strong>2011-hez k\u00e9pest majdnem 90 sz\u00e1zal\u00e9kkal emelkedtek az alb\u00e9rlet\u00e1rak orsz\u00e1gosan. Budapest eset\u00e9ben ez az ar\u00e1ny majdnem 130 sz\u00e1zal\u00e9kos emelked\u00e9s 2011-hez k\u00e9pest, mik\u00f6zben a b\u00e9rek nem emelkedtek ekkora \u00fctemben.<\/strong> Ha p\u00e9ld\u00e1ul egy 40 n\u00e9gyzetm\u00e9teres lak\u00e1s \u00e1tlagos b\u00e9rleti d\u00edj\u00e1t hasonl\u00edtjuk az \u00e1tlagb\u00e9rek v\u00e1ltoz\u00e1s\u00e1hoz, akkor azt l\u00e1tjuk, hogy m\u00edg a kiad\u00e1si \u00e1r majdnem megdupl\u00e1z\u00f3dott 2011 \u00f3ta, addig a b\u00e9rek csak kb. 35 sz\u00e1zal\u00e9kkal n\u0151ttek 2017-ig.<\/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;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#8221; width=&#8221;70%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; 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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<div class=\"infogram-embed\" data-id=\"268be9f7-b2e9-4ae3-b9ec-febd3bb7da3d\" 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>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#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<p>Az alb\u00e9rlet\u00e1rak n\u00f6veked\u00e9s\u00e9nek okai \u00f6sszetettek: a n\u00f6vekv\u0151 kereslet, a v\u00e1ls\u00e1g miatt kor\u00e1bban elhalasztott beruh\u00e1z\u00e1sok realiz\u00e1l\u00e1sa, a b\u00e9rek emelked\u00e9se, n\u00f6vekv\u0151 hitelkihelyez\u00e9sek, a CSOK felt\u00e9teleinek v\u00e1ltoz\u00e1sai \u00e9s kiterjeszt\u00e9se, \u00faj szerepl\u0151k megjelen\u00e9se az ingatlanpiacon (k\u00fclf\u00f6ldiek, r\u00f6vidt\u00e1v\u00fa lak\u00e1skiad\u00f3k \u00e9s befektet\u0151k), v\u00e9g\u00fcl pedig a p\u00e9nz\u00fcgyi k\u00f6rnyezet v\u00e1ltoz\u00e1sai (alacsony kamat- \u00e9s hozamszint mellett relat\u00edv magas ingatlanhozamok), \u00e9s nem utols\u00f3sorban a mag\u00e1nb\u00e9rleti piac nem megfelel\u0151 szab\u00e1lyoz\u00e1sa.<\/p>\n<h3>K\u00f6zm\u0171h\u00e1tral\u00e9kok<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.0.6&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.0.6&#8243;][et_pb_text _builder_version=&#8221;4.0.6&#8243; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#8221; 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<p>A megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k k\u00f6zm\u0171h\u00e1tral\u00e9kok felhalmoz\u00f3d\u00e1s\u00e1hoz is vezethetnek. Az EU tag\u00e1llamainak \u00e1tlag\u00e1hoz (7%) k\u00e9pest majdnem k\u00e9tszerese azoknak a hazai h\u00e1ztart\u00e1soknak az ar\u00e1nya (13,9%), amelyeknek k\u00f6z\u00fczemi h\u00e1tral\u00e9ka volt 2017-ben. Ez az ar\u00e1ny pedig m\u00e9g magasabb, ha a szeg\u00e9nys\u00e9gben \u00e9l\u0151ket n\u00e9zz\u00fck: 2018-ban <strong>Magyarorsz\u00e1gon majdnem minden harmadik szeg\u00e9nys\u00e9gi k\u00fcsz\u00f6b alatt \u00e9l\u0151 h\u00e1ztart\u00e1s rendelkezett k\u00f6zm\u0171h\u00e1tral\u00e9kkal.<\/strong><\/p>\n<p>A Magyar Energetikai \u00e9s K\u00f6zm\u0171-szab\u00e1lyoz\u00e1si Hivatal adatszolg\u00e1ltat\u00e1sa szerint a f\u00f6ldg\u00e1ztartoz\u00e1sok sz\u00e1ma cs\u00f6kkent az el\u0151z\u0151 \u00e9vekhez k\u00e9pest. A h\u00e1rommilli\u00f3t meghalad\u00f3 lakoss\u00e1gi felhaszn\u00e1l\u00f3 k\u00f6z\u00fcl 2018-ban f\u00f6ldg\u00e1ztartoz\u00e1ssal \u00f6sszesen 386 ezer h\u00e1ztart\u00e1s rendelkezett, ebb\u0151l 96 ezren 60 napon t\u00fali, azaz a szolg\u00e1ltat\u00e1s kikapcsol\u00e1s\u00e1val fenyeget\u0151 tartoz\u00e1ssal. K\u00f6zel 29 ezer h\u00e1ztart\u00e1sban kapcsolt\u00e1k ki a g\u00e1zt. T\u00e1vh\u0151t 659 ezer h\u00e1ztart\u00e1s haszn\u00e1lt, k\u00f6zel negyed\u00fcknek volt tartoz\u00e1sa. 73 ezer h\u00e1ztart\u00e1s tartoz\u00e1sa meghaladta a 60 napot, a szolg\u00e1ltat\u00e1s kikapcsol\u00e1sa 4600 esetben t\u00f6rt\u00e9nt meg. A t\u00f6bb mint 5 milli\u00f3 lakoss\u00e1gi villamosenergia-el\u0151fizet\u0151 18 sz\u00e1zal\u00e9ka maradt el a befizet\u00e9ssel 2018-ban. 534 ezer h\u00e1ztart\u00e1st fenyegetett az \u00e1ram kikapcsol\u00e1sa 60 napon t\u00fali tartoz\u00e1s miatt; v\u00e9g\u00fcl 16 ezer h\u00e1ztart\u00e1sban kapcsolt\u00e1k ki az \u00e1ramot. <strong>\u00d6sszesen teh\u00e1t csak az \u00e1ramfogyaszt\u00e1st tekintve t\u00f6bb mint egymilli\u00f3 ember, azaz a teljes lakoss\u00e1g tizede billeg annak a hat\u00e1r\u00e1n, hogy tartoz\u00e1sai miatt kikapcsolj\u00e1k az \u00e1ramszolg\u00e1ltat\u00e1st az otthon\u00e1ban.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.0.6&#8243;][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.0.6&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"1058f9a7-aa94-436e-9aaf-8cef3eb5f8f4\" 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>\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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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>2019 els\u0151 negyed\u00e9v\u00e9ben a lakoss\u00e1gi hitel\u00e1llom\u00e1ny \u2013 k\u00e9sedelemmel nem rendelkez\u0151 \u2013 teljes volumene brutt\u00f3 5 556 milli\u00e1rd forint volt, m\u00edg az egy \u00e9ven t\u00fali fizet\u00e9si k\u00e9sedelemmel rendelkez\u0151 lakoss\u00e1gi hitelek volumene brutt\u00f3 211 milli\u00e1rd. <strong>A nem teljes\u00edt\u0151 hiteltartoz\u00e1sok nagym\u00e9rt\u00e9kben hozz\u00e1j\u00e1rulnak a megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1khoz, adott esetben pedig ak\u00e1r lak\u00e1sveszt\u00e9shez is vezethetnek.<\/strong><\/p>\n<p>A Magyar Nemzeti Bank adatai szerint 2018-ban 6 227 k\u00e9nyszer\u00e9rt\u00e9kes\u00edt\u00e9s t\u00f6rt\u00e9nt az ad\u00f3s nem teljes\u00edt\u00e9s\u00e9nek k\u00f6vetkezt\u00e9ben. A bankok \u00e9s k\u00f6vetel\u00e9skezel\u0151k v\u00e9g\u00fcl 2 785 ingatlant \u00e1rvereztek el. A bed\u0151lt jelz\u00e1loghitelesek megseg\u00edt\u00e9s\u00e9t c\u00e9lz\u00f3 int\u00e9zked\u00e9sek nem v\u00e1ltott\u00e1k be a hozz\u00e1juk f\u0171z\u00f6tt rem\u00e9nyeket, mind a NET Zrt., mind a csal\u00e1di cs\u0151dv\u00e9delem a jelentkez\u0151k t\u00f6red\u00e9k\u00e9n tudott csak seg\u00edteni. A Magyar B\u00edr\u00f3s\u00e1gi V\u00e9grehajt\u00f3i Kar adatai szerint <strong>2018-ban \u00f6sszesen 3 212 kilakoltat\u00e1s t\u00f6rt\u00e9nt haz\u00e1nkban, annak ellen\u00e9re, hogy a kilakoltat\u00e1si morat\u00f3riumot a szok\u00e1soshoz k\u00e9pest egy h\u00f3nappal, m\u00e1jusig meghosszabb\u00edtott\u00e1k.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.0.6&#8243;][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.0.6&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"78b5fd75-bb37-45ef-83c7-1069583d22e5\" 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>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.0.6&#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;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_margin_last_edited=&#8221;off|phone&#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<h3>Az ingatlanpiaci boom \u00e9s dr\u00e1gul\u00e1s elt\u00e9r\u0151 hat\u00e1sai<\/h3>\n<p>Magyarorsz\u00e1gon 2013 \u00f3ta folyamatosan n\u00f6vekednek mind az eladott, mind a kiadott ingatlanok \u00e1rai. A jofogas.hu adatai szerint 2011 \u00e9s 2019 k\u00f6z\u00f6tt a port\u00e1lon meghirdetett <strong>elad\u00f3 lak\u00e1sok k\u00edn\u00e1lati \u00e1rai minden m\u00e9retkateg\u00f3ri\u00e1ban megdupl\u00e1z\u00f3dtak, a legnagyobb alapter\u00fclet\u0171 lak\u00e1sok eset\u00e9ben pedig megh\u00e1romszoroz\u00f3dtak.<\/strong><\/p>\n<p>Ebb\u0151l a n\u00f6veked\u00e9sb\u0151l azonban a t\u00e1rsadalom k\u00fcl\u00f6nb\u00f6z\u0151 r\u00e9tegei \u00e9s az orsz\u00e1g k\u00fcl\u00f6nb\u00f6z\u0151 ter\u00fcletei rendk\u00edv\u00fcl egyenl\u0151tlen\u00fcl profit\u00e1lnak. A kevesebb vagyonnal \u00e9s alacsonyabb j\u00f6vedelemmel rendelkez\u0151k nemcsak, hogy nem profit\u00e1lnak ebb\u0151l a n\u00f6veked\u00e9sb\u0151l, de j\u00f6vedelm\u00fck egyre nagyobb r\u00e9sz\u00e9t lesznek k\u00e9nytelenek emiatt vagy alb\u00e9rletre, vagy lak\u00e1shitel-t\u00f6rleszt\u00e9sre k\u00f6lteni. <strong>Az \u00e1llami lak\u00e1spolitika pedig tov\u00e1bb n\u00f6veli ezeket az egyenl\u0151tlens\u00e9geket azzal, hogy a megfizethet\u0151 lakhat\u00e1s el\u0151seg\u00edt\u00e9se helyett hitelfelv\u00e9telre, teh\u00e1t tov\u00e1bbi elad\u00f3sod\u00e1sra motiv\u00e1l; akik pedig ehhez nem f\u00e9rnek hozz\u00e1, azoknak semmilyen egy\u00e9b t\u00e1mogat\u00e1st nem ny\u00fajt.<\/strong><\/p>\n<h3>T\u00e1rsadalmi r\u00e9tegek \u00e9s ingatlan\u00e1r-emelked\u00e9s<\/h3>\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;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#8221; 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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; 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header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_4_text_color=&#8221;#43b02a&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_margin_last_edited=&#8221;off|phone&#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<p>B\u00e1r haz\u00e1nkban igen magas a saj\u00e1t tulajdon\u00fa ingatlanban \u00e9l\u0151k ar\u00e1nya, azonban ez nem jelenti azt, hogy mindenki j\u00f3l j\u00e1r az ingatlan\u00e1r-emelked\u00e9ssel. A p\u00e1lyakezd\u0151 fiatalok, a csal\u00e1di okok miatt sz\u00e9tk\u00f6lt\u00f6zni k\u00e9nyszer\u00fcl\u0151k \u00e9s a m\u00e1sik v\u00e1rosokban munk\u00e1t v\u00e1llal\u00f3k mind olyan \u00e9lethelyzet\u0171 csoportok, akiket kifejezetten h\u00e1tr\u00e1nyosan \u00e9rint az \u00e1remelked\u00e9s. Ha pedig a j\u00f6vedelmek szerinti bont\u00e1st n\u00e9zz\u00fck, akkor abb\u00f3l is j\u00f3l l\u00e1tszik, hogy a legalacsonyabb k\u00e9t kateg\u00f3ri\u00e1ban \u00e9lnek a legkisebb ar\u00e1nyban saj\u00e1t tulajdonban, \u00edgy \u0151ket m\u00e9g jobban s\u00fajtja az ingatlanpiac dr\u00e1gul\u00e1sa.<\/p>\n<p>Egy m\u00e1sik kutat\u00e1s alapj\u00e1n, ami nem j\u00f6vedelem, hanem vagyon szerint osztja fel a t\u00e1rsadalmat k\u00fcl\u00f6nb\u00f6z\u0151 csoportokra, m\u00e9g aggaszt\u00f3bb tendenci\u00e1t l\u00e1tunk. Az MNB <strong>2017-es vagyonfelm\u00e9r\u00e9s\u00e9b\u0151l kider\u00fcl, hogy a legals\u00f3 csoport csup\u00e1n kevesebb mint harmada rendelkezik saj\u00e1t lak\u00e1ssal vagy h\u00e1zzal, m\u00edg a legfels\u0151 \u00f6t kateg\u00f3ri\u00e1ban ez az ar\u00e1ny 90 sz\u00e1zal\u00e9k f\u00f6l\u00f6tti, a legfels\u0151 h\u00e1romban pedig m\u00e1r \u00e1tlagosan 97%.<\/strong><\/p>\n<p>A kutat\u00e1sb\u00f3l az is kider\u00fclt, hogy az als\u00f3bb kateg\u00f3ri\u00e1kban egyben a legnagyobb az ad\u00f3ss\u00e1gteher az ingatlanszerz\u00e9s \u00e9rdek\u00e9ben. A legals\u00f3 csoportba tartoz\u00f3k 26 sz\u00e1zal\u00e9ka rendelkezett lak\u00e9shitellel \u00e9s 34 sz\u00e1zal\u00e9ka egy\u00e9b hitellel, m\u00edg ez az ar\u00e1ny a legfels\u0151 tizedekn\u00e9l nem \u00e9rte el a 20 sz\u00e1zal\u00e9kot.<\/p>\n<h3>K\u00fclf\u00f6ldiek magyarorsz\u00e1gi lak\u00e1sbefektet\u00e9sei<\/h3>\n<p>A k\u00fclf\u00f6ldiek magyarorsz\u00e1gi lak\u00e1sv\u00e1s\u00e1rl\u00e1s\u00e1r\u00f3l <span class=\"tooltip\">2017-es adatokkal rendelkez\u00fcnk<span class=\"tooltiptext\">KSH, 2018<\/span><\/span>. 2017-ben \u00f6sszesen 7 371 lak\u00e1st v\u00e1s\u00e1roltak k\u00fclf\u00f6ldi \u00e1llampolg\u00e1rok, a teljes lak\u00e1spiaci forgalom mintegy 5 sz\u00e1zal\u00e9k\u00e1t foglalva el ezzel. Szembet\u0171n\u0151, hogy a f\u0151v\u00e1rosban eladott lak\u00e1soknak viszont mintegy 9 sz\u00e1zal\u00e9ka ker\u00fclt k\u00fclf\u00f6ldi tulajdonba, \u00e1tlagosan 36,3 milli\u00f3 forintos \u00e1r\u00e9rt, ami j\u00f3val felette van a magyarok \u00e1ltal v\u00e1s\u00e1rol lak\u00e1sok \u00e1tlag\u00e1r\u00e1nak (23,4 milli\u00f3 Ft). Az Airbnb, illetve \u00e1ltal\u00e1ban a befektet\u00e9si c\u00e9l\u00fa lak\u00e1sv\u00e1s\u00e1rl\u00e1s szint\u00e9n hozz\u00e1j\u00e1rul a piac kett\u00e9v\u00e1l\u00e1s\u00e1hoz, amelynek egyenes k\u00f6vetkezm\u00e9nye, hogy az alacsonyabb j\u00f6vedelm\u0171, kev\u00e9sb\u00e9 vagyonos r\u00e9tegek kiszorulnak a f\u0151v\u00e1ros bels\u0151 ker\u00fcleteib\u0151l, legyenek ak\u00e1r potenci\u00e1lis lak\u00e1sv\u00e1s\u00e1rl\u00f3k vagy alb\u00e9rl\u0151k.<\/p>\n<p>[\/et_pb_text][\/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;#43b02a&#8221; 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>Javasoljuk a lak\u00e1stulajdon-szerz\u00e9s t\u00e1mogat\u00e1sa mellett a lak\u00e1sb\u00e9rl\u00e9s t\u00e1mogat\u00e1s\u00e1t is, amely az alacsony j\u00f6vedelm\u0171 csal\u00e1doknak megold\u00e1st ny\u00fajthatna az ad\u00f3ss\u00e1gcsapda elker\u00fcl\u00e9s\u00e9re, illetve n\u00f6velhetn\u00e9 a munkaer\u0151 mobilit\u00e1s\u00e1t is. A mag\u00e1nb\u00e9rlet t\u00e1mogat\u00e1sa alb\u00e9rleti t\u00e1mogat\u00e1sokon vagy lak\u00e1s\u00fcgyn\u00f6ks\u00e9gek fel\u00e1ll\u00edt\u00e1val, az \u00fcres lak\u00e1sok kiad\u00e1s\u00e1nak \u00f6szt\u00f6nz\u00e9se \u00e1tl\u00e1that\u00f3bb szab\u00e1lyoz\u00e1ssal, illetve a b\u00e9rl\u0151k \u00e9s lak\u00e1st kiad\u00f3k jogainak meger\u0151s\u00edt\u00e9s\u00e9vel mind ebbe az ir\u00e1nyba mutathatn\u00e1nak. Emellett ad\u00f3kedvezm\u00e9nyekkel nem csak a saj\u00e1t tulajdon\u00fa, hanem ak\u00e1r szoci\u00e1lis b\u00e9rlak\u00e1sok \u00e9p\u00edt\u00e9s\u00e9t is \u00f6szt\u00f6n\u00f6zhetn\u00e9 az \u00e1llam.<\/p>\n<p>\u00dagy gondoljuk, hogy a felel\u0151s lak\u00e1spolitika nem sz\u00f3lhat kiz\u00e1r\u00f3lag azokr\u00f3l a csoportokr\u00f3l, amelyek rendelkeznek el\u00e9g t\u0151k\u00e9vel a lak\u00e1stulajdon-szerz\u00e9sre. Azoknak is meg kell adni a megtakar\u00edt\u00e1s \u00e9s az otthonteremt\u00e9s lehet\u0151s\u00e9g\u00e9t, akik ett\u0151l az ide\u00e1lt\u00f3l messze vannak. P\u00e9ld\u00e1ul a fiatalok sz\u00e1m\u00e1ra meg kell adni a lehet\u0151s\u00e9get, hogy megtakar\u00edt\u00e1saik legyenek, \u00e9s azt k\u00e9s\u0151bb ak\u00e1r lak\u00e1sv\u00e1s\u00e1rl\u00e1sba forgass\u00e1k, illetve javasoljuk az alternat\u00edv lakhat\u00e1si form\u00e1k, mint p\u00e9ld\u00e1ul a k\u00f6z\u00f6ss\u00e9gi lakhat\u00e1s t\u00e1mogat\u00e1s\u00e1t, \u00e9s a szoci\u00e1lis b\u00e9rlak\u00e1srendszer mennyis\u00e9gi \u00e9s min\u0151s\u00e9gi fejleszt\u00e9s\u00e9t.<\/p>\n<p>Tov\u00e1bb\u00e1 felel\u0151ss\u00e9gteljesebb \u00e1llami hitelpolitik\u00e1ra is sz\u00fcks\u00e9g lenne, amely a hitelez\u00e9st nem a f\u0151 lak\u00e1spolitikai eszk\u00f6zk\u00e9nt kezeli. \u00dagy gondoljuk, hogy ennek kev\u00e9s kritik\u00e1val illetett t\u00e1mogat\u00e1s\u00e1ra ford\u00edtott \u00e1llami er\u0151forr\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_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: \u00c1mon Kata (K\u00f6z\u00e9p-eur\u00f3pai Egyetem) \u2022 Balogi Anna (Menhely Alap\u00edtv\u00e1ny). Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3, a teljes lakhat\u00e1si jelent\u00e9s let\u00f6lthet\u0151 itt. A lakhat\u00e1si szeg\u00e9nys\u00e9g egyik legfontosabb dimenzi\u00f3ja a megfizethet\u0151s\u00e9g, amit abban lehet m\u00e9rni, hogy a h\u00e1ztart\u00e1sok k\u00e9pesek-e megfizetni egy t\u00e1rsadalmilag elfogadhat\u00f3 (\u201emegfelel\u0151\u201d) lak\u00e1s k\u00f6lts\u00e9geit, \u00fagy, hogy k\u00f6zben a lak\u00e1sk\u00f6lts\u00e9gek nem jelentenek olyan nagy terhet, [&hellip;]<\/p>\n<p><!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":622,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-82","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Megfizethet\u0151s\u00e9g - \u00c9ves lakhat\u00e1si jelent\u00e9s 2019 | Habitat for Humanity<\/title>\n<meta name=\"description\" content=\"A Habitat for Humanity Magyarorsz\u00e1g \u00e9ves jelent\u00e9se a lakhat\u00e1si szeg\u00e9nys\u00e9gr\u0151l. 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