{"id":37,"date":"2020-09-24T22:32:51","date_gmt":"2020-09-24T20:32:51","guid":{"rendered":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2020\/?page_id=37"},"modified":"2020-10-05T15:56:30","modified_gmt":"2020-10-05T13:56:30","slug":"megfizethetoseg","status":"publish","type":"page","link":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2020\/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;4.6.5&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;5%||5%||false|false&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][et_pb_slide heading=&#8221;Megfizethet\u0151-e a lakhat\u00e1s?&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.6.5&#8243; header_font=&#8221;|800||on|||||&#8221; header_text_align=&#8221;center&#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; sticky_transition=&#8221;on&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><i class=\"fas fa-user\"><\/i> Szerz\u0151: P\u00f3sfai Zsuzsanna <em>(Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont)<\/em>. <\/p>\n<p><i class=\"fas fa-calendar-alt\"><\/i> A szerkeszt\u00e9s 2020. augusztus 31-\u00e9n lez\u00e1rult.<\/p>\n<p><i class=\"fas fa-file-alt\"><\/i> Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3, a teljes lakhat\u00e1si jelent\u00e9s <a href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2020\/wp-content\/uploads\/sites\/9\/2020\/10\/hfhh_lakhatasi_jelentes_2020.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;4.6.5&#8243; text_font_size=&#8221;15px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#43b02a&#8221; header_4_line_height=&#8221;1.1em&#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; 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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><strong>A lakhat\u00e1si k\u00f6lts\u00e9gek jelent\u0151s t\u00e9telt k\u00e9peznek a magyar h\u00e1ztart\u00e1sok havi kiad\u00e1sai k\u00f6z\u00f6tt, \u00e9s min\u00e9l alacsonyabb j\u00f6vedelm\u0171 egy h\u00e1ztart\u00e1s, ezek ann\u00e1l nagyobb h\u00e1nyadot tesznek ki<\/strong>. Ez a nagy anyagi teher, \u2013 amit a h\u00e1ztart\u00e1soknak mindenk\u00e9pp v\u00e1llalniuk kell, hiszen lakniuk kell valahol \u2013 gyakran azzal j\u00e1r, hogy m\u00e1s kiad\u00e1sokat megv\u00e1gnak, romlik az \u00e9letsz\u00ednvonaluk, \u00e9s\/vagy ad\u00f3ss\u00e1gokat halmoznak fel.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.6.1&#8243; text_font_size=&#8221;15px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#43b02a&#8221; header_4_line_height=&#8221;1.1em&#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; custom_margin_last_edited=&#8221;on|phone&#8221; 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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 k\u00f6lts\u00e9gekkel \u00f6sszef\u00fcgg\u0151 elszeg\u00e9nyed\u00e9s azonban nem felt\u00e9tlen\u00fcl jelenti, hogy a h\u00e1ztart\u00e1sok l\u00e1that\u00f3 h\u00e1tral\u00e9kokat kezdenek el felhalmozni. A banki hitelek eset\u00e9ben a 90 napon t\u00fali, a k\u00f6zm\u0171d\u00edjak eset\u00e9ben pedig a 60 napon t\u00fali h\u00e1tral\u00e9kokat r\u00f6gz\u00edt\u0151 statisztik\u00e1kat szokt\u00e1k a leggyakrabban id\u00e9zni. <strong>Emellett sokkal t\u00f6bben vannak, akik fizet\u0151k\u00e9pess\u00e9g\u00fck hat\u00e1r\u00e1n billegnek.<\/strong> A rendelkez\u00e9s\u00fcnkre \u00e1ll\u00f3 felm\u00e9r\u00e9sek alapj\u00e1n a lakhat\u00e1si k\u00f6lts\u00e9gek kigazd\u00e1lkod\u00e1sa a h\u00e1ztart\u00e1sok t\u00f6bbs\u00e9ge sz\u00e1m\u00e1ra priorit\u00e1st jelent, ak\u00e1r a roml\u00f3 \u00e9letsz\u00ednvonal \u00e9s m\u00e1s kiad\u00e1sok drasztikus megv\u00e1g\u00e1sa \u00e1r\u00e1n is. A h\u00e1ztart\u00e1sok meg\u00e9lhet\u00e9si neh\u00e9zs\u00e9geit jelz\u0151, r\u00f6vid ideig tart\u00f3 elmarad\u00e1sok az MNB, illetve a MEKH adatai alapj\u00e1n is gyakoriak. K\u00e9rd\u0151\u00edves felm\u00e9r\u00e9sek szerint (p\u00e9ld\u00e1ul T\u00c1RKI H\u00e1ztart\u00e1si Monitor) a konkr\u00e9t h\u00e1tral\u00e9kok felhalmoz\u00e1s\u00e1n\u00e1l j\u00f3val gyakoribb, hogy a h\u00e1ztart\u00e1sok k\u00fcl\u00f6nb\u00f6z\u0151 sp\u00f3rol\u00e1si strat\u00e9gi\u00e1kat kezdenek el alkalmazni, p\u00e9ld\u00e1ul kevesebbet k\u00f6ltenek alapvet\u0151 \u00e9lelmiszerekre vagy elektronikai cikkekre.<\/p>\n<p>Mind az elad\u00f3sod\u00e1snak, mind a lakhat\u00e1s \u00e9rdek\u00e9ben val\u00f3 ar\u00e1nytalan sp\u00f3rol\u00e1snak k\u00e1ros t\u00e1rsadalmi \u00e9s gazdas\u00e1gi hat\u00e1sai vannak: n\u00f6velik a t\u00e1rsadalmi egyenl\u0151tlens\u00e9geket, visszavetik a h\u00e1ztart\u00e1sok \u00e9letsz\u00ednvonal\u00e1t \u00e9s fogyaszt\u00e1s\u00e1t, valamint, ha v\u00e9grehajt\u00f3hoz ker\u00fcl a tartoz\u00e1s, megnehez\u00edtik a leg\u00e1lis munkav\u00e1llal\u00e1st. <strong>Ez\u00e9rt olyan lakhat\u00e1si megold\u00e1sokra van sz\u00fcks\u00e9g, amelyek tart\u00f3san megfizethet\u0151ek az alacsonyabb j\u00f6vedelm\u0171 h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra is.<\/strong><\/p>\n<p><strong>A lakhat\u00e1si k\u00f6lts\u00e9gek miatti elad\u00f3sod\u00e1s vagy elszeg\u00e9nyed\u00e9s t\u00f6rt\u00e9nhet egyr\u00e9szt a lak\u00e1shoz jut\u00e1s, m\u00e1sr\u00e9szt pedig a lak\u00e1s fenntart\u00e1sa kapcs\u00e1n.<\/strong> Ebben a fejezetben az ezekhez kapcsol\u00f3d\u00f3 k\u00f6lts\u00e9gek megfizethet\u0151s\u00e9g\u00e9t t\u00e1rgyaljuk.<\/p>\n<h3>Lak\u00e1shitelek<\/h3>\n<p>A lak\u00e1shoz jut\u00e1snak Magyarorsz\u00e1gon els\u0151dleges m\u00f3dja a lak\u00e1sv\u00e1s\u00e1rl\u00e1s. A lak\u00e1s\u00e1rak az elm\u00falt \u00e9vekben jelent\u0151sen emelkedtek, ami k\u00fcl\u00f6n\u00f6sen Budapesten jelent probl\u00e9m\u00e1t, hiszen a j\u00f6vedelmek n\u00f6veked\u00e9s\u00e9nek ar\u00e1nya itt l\u00e9nyegesen elmarad a lak\u00e1s\u00e1rak n\u00f6veked\u00e9s\u00e9nek \u00fctem\u00e9t\u0151l. Ez\u00e9rt egyre kevesebben tudj\u00e1k maguknak megengedni a saj\u00e1t tulajdon\u00fa lak\u00e1st.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.6.1&#8243; text_font_size=&#8221;15px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#43b02a&#8221; header_4_line_height=&#8221;1.1em&#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; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; 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box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221;]<\/p>\n<p>A v\u00e1s\u00e1rl\u00f3k f\u0151bb forr\u00e1sai a lak\u00e1sv\u00e1s\u00e1rl\u00e1shoz egyr\u00e9szt kor\u00e1bbi lak\u00e1suk elad\u00e1sa, a csal\u00e1di seg\u00edts\u00e9g, valamint egyre jelent\u0151sebb t\u00e9nyez\u0151 a hitelfelv\u00e9tel is. Ez mutatja a saj\u00e1t tulajdon\u00fa lak\u00e1shoz val\u00f3 hozz\u00e1jut\u00e1s egyenl\u0151tlens\u00e9geit is, hiszen akinek nincs lak\u00e1sa, melynek \u00e1r\u00e1t be tudn\u00e1 forgatni, vagy nem kap a csal\u00e1dj\u00e1t\u00f3l jelent\u0151sebb t\u00e1mogat\u00e1st, az sokkal nehezebb helyzetben van. Az emelked\u0151 lak\u00e1s\u00e1rak miatt a hitel\u00f6sszegek is jellemz\u0151en egyre magasabbak, de a 2008-as v\u00e1ls\u00e1g ut\u00e1ni szigor\u00fabb hitelez\u00e9si szab\u00e1lyok miatt csak azok tudnak nagyobb \u00f6sszeg\u0171 hitelt felvenni, akiknek viszonylag magas \u00e9s stabil j\u00f6vedelm\u00fck van. \u00cdgy az MNB \u00e9rt\u00e9kel\u00e9se szerint jelenleg a lak\u00e1shitelez\u00e9s nem kock\u00e1zatos. Ugyanakkor, m\u00e9g ha nem is esik valaki k\u00e9sedelembe, a hitelfelv\u00e9tel hossz\u00fa \u00e9vekre megk\u00f6ti a kez\u00e9t azzal kapcsolatban, hogy milyen munk\u00e1t v\u00e9gez \u00e9s hol \u00e9l; illetve k\u00e9nyszer\u0171en cs\u00f6kkentheti egy\u00e9b kiad\u00e1sait is. Ez a helyzet m\u00e9g bed\u0151l\u00e9s n\u00e9lk\u00fcl is jelenthet t\u00falzott elad\u00f3sod\u00e1st.<\/p>\n<h3>Szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k \u00e9s egy\u00e9b hitelek<\/h3>\n<p>Az \u00fajonnan kihelyezett szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k sz\u00e1ma meredekebben n\u0151, mint a lak\u00e1shitelek\u00e9. <strong>2019. IV. negyed\u00e9v\u00e9ben t\u00f6bb mint h\u00e1romszor annyi \u00faj szem\u00e9lyi k\u00f6lcs\u00f6n szerz\u0151d\u00e9s j\u00f6tt l\u00e9tre, mint amennyi \u00faj lak\u00e1shitel-szerz\u0151d\u00e9s.<\/strong> Ez r\u00e9szben k\u00f6sz\u00f6nhet\u0151 a 2019-ben bevezetett babav\u00e1r\u00f3 hitelnek is, de m\u00e1r azel\u0151tt is nagyon hasonl\u00f3 tendencia volt l\u00e1that\u00f3. <\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;\u00e1bra&#8221; _builder_version=&#8221;4.6.5&#8243; text_font_size=&#8221;15px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#43b02a&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#43b02a&#8221; header_4_line_height=&#8221;1.1em&#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; 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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 MNB felm\u00e9r\u00e9se szerint gyakori a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k lak\u00e1sc\u00e9l\u00fa felhaszn\u00e1l\u00e1sa (p\u00e9ld\u00e1ul olcs\u00f3bb ingatlanok v\u00e9tel\u00e1r\u00e1ra, az \u00f6ner\u0151 kip\u00f3tl\u00e1s\u00e1ra, fel\u00faj\u00edt\u00e1si k\u00f6lts\u00e9gekre, kauci\u00f3 kifizet\u00e9s\u00e9re). Azaz feltehet\u0151en olyanok is v\u00e1lasztj\u00e1k ezt az opci\u00f3t, akik nem kapnak lak\u00e1shitelt, vagy egyszer\u0171bb \u00fcgyint\u00e9z\u00e9sre, gyorsabb \u00e1tfut\u00e1si id\u0151re van sz\u00fcks\u00e9g\u00fck. Azonban m\u00edg a 90 napon t\u00fali k\u00e9sedelmes jelz\u00e1loghitelek 85 sz\u00e1zal\u00e9ka eredetileg a 2008-as v\u00e1ls\u00e1g el\u0151tt felvett devizahitel volt, addig a nemteljes\u00edt\u0151 szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k 76 sz\u00e1zal\u00e9ka 2016 ut\u00e1n foly\u00f3s\u00edtott hitel. Emellett a k\u00e9sedelmes szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k k\u00f6zel k\u00e9tharmada nembanki p\u00e9nz\u00fcgyi v\u00e1llalatokn\u00e1l (ilyen p\u00e9ld\u00e1ul a Provident vagy a Cofidis) van. Azaz <strong>a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k a v\u00e1ls\u00e1g ut\u00e1ni hitelez\u00e9s \u00faj, potenci\u00e1lisan kock\u00e1zatos szegmens\u00e9t jelenthetik.<\/strong><\/p>\n<p>A szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6kben val\u00f3 elad\u00f3sod\u00e1s az\u00e9rt is kock\u00e1zatos, mert gyakran j\u00f6vedelmet p\u00f3tol ki, \u00e9s nem vagyonfelhalmoz\u00e1st szolg\u00e1l \u2013 ami azt jelenti, hogy a h\u00e1ztart\u00e1sok a k\u00e9s\u0151bbi j\u00f6vedelm\u00fckkel ut\u00f3lag folyamatosan pr\u00f3b\u00e1lj\u00e1k ezeket a kiad\u00e1sokat \u201eutol\u00e9rni\u201d. A szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6ket haszn\u00e1lhatj\u00e1k p\u00e9ld\u00e1ul v\u00e1ratlan kiad\u00e1sok fedez\u00e9s\u00e9re (p\u00e9ld\u00e1ul eg\u00e9szs\u00e9g\u00fcgyi probl\u00e9ma, beiskol\u00e1z\u00e1s), illetve sz\u00e1mos lakhat\u00e1ssal kapcsolatos foly\u00f3 k\u00f6lts\u00e9get (p\u00e9ld\u00e1ul rezsih\u00e1tral\u00e9k kifizet\u00e9se) is fedeznek bel\u0151le. <strong>\u00cdgy a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6kben val\u00f3 elad\u00f3sod\u00e1s is gyakran k\u00f6t\u0151dik a lakhat\u00e1s megfizethetetlens\u00e9g\u00e9hez.<\/strong> Ehhez r\u00e1ad\u00e1sul nagyobb ar\u00e1nyban f\u00e9rnek hozz\u00e1 az alacsonyabb j\u00f6vedelm\u0171 h\u00e1ztart\u00e1sok is, ez\u00e9rt az \u0151 eset\u00fckben fel\u00fclreprezent\u00e1lt ez a hitelt\u00edpus.<\/p>\n<p>Ez az\u00e9rt probl\u00e9ma, mert drasztikus a k\u00fcl\u00f6nbs\u00e9g a szeg\u00e9nyebb \u00e9s gazdagabb h\u00e1ztart\u00e1sok k\u00f6z\u00f6tt abban, hogy mennyire leterhel\u0151 egy hitel, \u00edgy az mekkora kock\u00e1zatot jelent. <strong>M\u00edg az als\u00f3 j\u00f6vedelmi \u00f6t\u00f6dben a hitellel rendelkez\u0151 h\u00e1ztart\u00e1sok j\u00f6vedelm\u00fck k\u00f6zel 40 sz\u00e1zal\u00e9k\u00e1t ford\u00edtj\u00e1k a hitelek t\u00f6rleszt\u00e9s\u00e9re, addig ugyanez az ar\u00e1ny a leggazdagabb 10 sz\u00e1zal\u00e9k k\u00f6r\u00e9ben csak 6 sz\u00e1zal\u00e9k.<\/strong> Tov\u00e1bbi kock\u00e1zati t\u00e9nyez\u0151, hogy az alacsonyabb j\u00f6vedelm\u0171 h\u00e1ztart\u00e1sok k\u00f6r\u00e9ben bizonytalanabbak a foglalkoztat\u00e1s keretei, a kisz\u00e1m\u00edthatatlan munkaer\u0151piaci helyzetek \u00e1ltal\u00e1ban els\u0151sorban \u0151ket s\u00fajtj\u00e1k.<\/p>\n<h3>B\u00e9rleti d\u00edjak<\/h3>\n<p>A lak\u00e1shoz jut\u00e1s m\u00e1sik f\u0151 csatorn\u00e1ja a mag\u00e1nb\u00e9rleti szektor, amelynek megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1ival a Habitat <a href=\"https:\/\/habitat.hu\/sites\/feketelakas\/megoldasok-megfizethetoseg\/\" target=\"_blank\" rel=\"noopener noreferrer\">Feketelak\u00e1s 3.0 javaslatcsomagja<\/a> r\u00e9szletesen is foglalkozik. Ennek a piacnak a probl\u00e9m\u00e1i is els\u0151sorban az elm\u00falt \u00e9vtizedben meredeken emelked\u0151 \u00e1rakb\u00f3l ad\u00f3dnak, valamint abb\u00f3l, hogy \u00e1tfog\u00f3 szab\u00e1lyoz\u00e1s h\u00edj\u00e1n ez a szektor nem el\u00e9g kisz\u00e1m\u00edthat\u00f3.<\/p>\n<p><strong>A k\u00fcl\u00f6nb\u00f6z\u0151 jogc\u00edmeken bejelentett h\u00e1ztart\u00e1sok k\u00f6z\u00fcl a mag\u00e1nb\u00e9rlem\u00e9nyben \u00e9l\u0151k k\u00f6ltik a legt\u00f6bbet a lakhat\u00e1sukra<\/strong>, ami cs\u00f6kkenti a meg\u00e9lhet\u00e9sre ford\u00edthat\u00f3 forr\u00e1sokat, \u00e9s a lakb\u00e9rrel val\u00f3 megcs\u00fasz\u00e1shoz, h\u00e1tral\u00e9kok felhalmoz\u00f3d\u00e1s\u00e1hoz vezethet. Tov\u00e1bbi probl\u00e9ma, hogy lak\u00e1sb\u00e9rl\u00e9sekor jellemz\u0151en legal\u00e1bb k\u00e9thavi b\u00e9rleti d\u00edjnak megfelel\u0151 \u00f6sszeget ki kell fizetni, amit az alacsonyabb j\u00f6vedelm\u0171 b\u00e9rl\u0151k el\u0151fordul, hogy hitelb\u0151l fedeznek. A \u201ekauci\u00f3\u201d egyik speci\u00e1lis fajt\u00e1ja emellett az \u00f6nkorm\u00e1nyzati lak\u00e1sokra val\u00f3 p\u00e1ly\u00e1z\u00e1sn\u00e1l a fel\u00faj\u00edt\u00e1si k\u00f6telezetts\u00e9g, amelynek k\u00f6lts\u00e9geit a leend\u0151 b\u00e9rl\u0151k k\u00f6z\u00fcl sokan szint\u00e9n csak k\u00f6lcs\u00f6nnel vagy elad\u00f3sod\u00e1ssal tudnak v\u00e1llalni.<\/p>\n<h3>Rezsi \u00e9s k\u00f6z\u00fczemi d\u00edjak<\/h3>\n<p>A megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k \u00e9s az elad\u00f3sod\u00e1s egyik fontos t\u00e9nyez\u0151it jelentik a k\u00f6z\u00fczemi d\u00edjak. A k\u00f6z\u00fczemi d\u00edjh\u00e1tral\u00e9kokat szolg\u00e1ltat\u00f3t\u00edpusonk\u00e9nt tartj\u00e1k sz\u00e1mon, ez\u00e9rt neh\u00e9z \u00f6sszes\u00edteni, de <strong>hozz\u00e1vet\u0151legesen <a href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2020\/energiaszegenyseg\/\">a magyar h\u00e1ztart\u00e1sok hatoda rendelkezik valamilyen k\u00f6z\u00fczemi tartoz\u00e1ssal<\/a>.<\/strong> A fent eml\u00edtetteknek megfelel\u0151en, sok h\u00e1ztart\u00e1s rendelkezik 60 napn\u00e1l (s\u0151t, 30 napn\u00e1l) kevesebb fizet\u00e9si h\u00e1tral\u00e9kkal. Ezek a kis cs\u00fasz\u00e1sok azt jelezhetik, hogy a k\u00f6zm\u0171d\u00edjak fizet\u00e9se terhet jelent a csal\u00e1d k\u00f6lts\u00e9gvet\u00e9se sz\u00e1m\u00e1ra. S\u0151t, akkor is p\u00e9nz\u00fcgyi nyom\u00e1st jelenthetnek a k\u00f6z\u00fczemi d\u00edjak, ha az adott h\u00e1ztart\u00e1s nem esik k\u00e9sedelembe.<\/p>\n<p>A d\u00edjh\u00e1tral\u00e9kok k\u00f6vetkezm\u00e9nye r\u00f6vid t\u00e1von a szolg\u00e1ltat\u00e1s kikapcsol\u00e1sa, ami jelent\u0151s \u00e9letsz\u00ednvonal-cs\u00f6kken\u00e9st okoz, k\u00f6z\u00e9pt\u00e1von pedig, ha a tartoz\u00e1s behajt\u00e1sa v\u00e9grehajt\u00f3hoz ker\u00fcl, a tartoz\u00e1s k\u00e9sedelmi d\u00edjakkal emelt \u00f6sszeg\u00e9nek automatikus levon\u00e1sa a j\u00f6vedelemb\u0151l. Legrosszabb esetben pedig ak\u00e1r egy d\u00edjtartoz\u00e1s is vezethet lak\u00e1sveszt\u00e9shez.<\/p>\n<h3>Lak\u00e1sveszt\u00e9s<\/h3>\n<p>A megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k v\u00e9gs\u0151 k\u00f6vetkezm\u00e9nye a lak\u00e1sveszt\u00e9s. <strong>Magyarorsz\u00e1gon \u00e9vente hozz\u00e1vet\u0151legesen 3 ezer kilakoltat\u00e1s t\u00f6rt\u00e9nik, viszont enn\u00e9l j\u00f3val magasabb sz\u00e1mot tesz ki az \u00f6sszes elad\u00f3sod\u00e1s miatti lak\u00e1sveszt\u00e9s<\/strong>, mivel sokan ink\u00e1bb saj\u00e1t maguk \u00e9rt\u00e9kes\u00edtik lak\u00e1sukat \u00e9s k\u00f6lt\u00f6znek el.<\/p>\n<p>Az MBVK honlapj\u00e1n k\u00f6zz\u00e9tett \u00e1rver\u00e9si hirdetm\u00e9nyek szerint a kilakoltat\u00e1sok sokszor kis t\u00e9tel\u0171, 5 milli\u00f3 forint alatti ad\u00f3ss\u00e1gok miatt t\u00f6rt\u00e9nnek. Tov\u00e1bb\u00e1 jellemz\u0151, hogy egy-egy ad\u00f3snak sok k\u00fcl\u00f6nb\u00f6z\u0151 t\u00edpus\u00fa tartoz\u00e1sa van (p\u00e9ld\u00e1ul szem\u00e9lyi k\u00f6lcs\u00f6n, k\u00f6z\u00fczemi d\u00edjtartoz\u00e1s, egy\u00e9b sz\u00e1mlatartoz\u00e1s), <strong>ad\u00f3ss\u00e1gcsapd\u00e1ba<\/strong> ker\u00fcl. Ezek a tartoz\u00e1sok a v\u00e9grehajt\u00e1si elj\u00e1r\u00e1sban \u201esorba vannak \u00e1ll\u00edtva\u201d, \u00e9s az \u00e1rver\u00e9sb\u0151l befoly\u00f3 p\u00e9nzb\u0151l fokozatosan egyenl\u00edtik ki \u0151ket. Az esetek 60 sz\u00e1zal\u00e9k\u00e1ban azonban az ingatlan \u00e9rt\u00e9ke nem fedezi a teljes tartoz\u00e1s \u00f6sszeg\u00e9t, ilyenkor az ad\u00f3s j\u00f6vedelm\u00e9b\u0151l k\u00e9s\u0151bb is vonj\u00e1k a h\u00e1tral\u00e9kokat.<\/p>\n<h3>A koronav\u00edrus-j\u00e1rv\u00e1ny hat\u00e1sai a megfizethet\u0151s\u00e9gre \u00e9s az elad\u00f3sod\u00e1sra<\/h3>\n<p>2020 augusztusi felm\u00e9r\u00e9sek alapj\u00e1n a koronav\u00edrus-j\u00e1rv\u00e1ny miatt a munkav\u00e1llal\u00f3k k\u00f6zel harmad\u00e1nak cs\u00f6kkent a j\u00f6vedelme, ugyanakkor a magyar h\u00e1ztart\u00e1sok csup\u00e1n fel\u00e9nek van k\u00e9t h\u00f3napra elegend\u0151 tartal\u00e9ka. A j\u00e1rv\u00e1ny \u00e1ltal okozott gazdas\u00e1gi neh\u00e9zs\u00e9gek viszont enn\u00e9l j\u00f3val tov\u00e1bb h\u00faz\u00f3dnak majd, ez\u00e9rt <strong>v\u00e1rhat\u00f3an n\u0151ni fog a h\u00e1ztart\u00e1sok elad\u00f3sod\u00e1s\u00e1nak kock\u00e1zata. Egyr\u00e9szt val\u00f3sz\u00edn\u0171leg h\u00e1tral\u00e9kokat fognak felhalmozni, m\u00e1sr\u00e9szt pedig a hitellel rendelkez\u0151 h\u00e1ztart\u00e1soknak neh\u00e9zs\u00e9geik lesznek a t\u00f6rleszt\u0151r\u00e9szletek fizet\u00e9s\u00e9vel.<\/strong> A hitelfizet\u00e9s probl\u00e9m\u00e1it r\u00f6vid t\u00e1von kezeli, vagy legal\u00e1bb m\u00e9rs\u00e9kli, a hitelt\u00f6rleszt\u00e9si morat\u00f3rium, viszont ennek 2020 decemberi (illetve azok eset\u00e9ben, akikre vonatkozik a hosszabb\u00edt\u00e1s; 2021 j\u00faniusi) v\u00e9ge ut\u00e1n val\u00f3sz\u00edn\u0171leg r\u00f6videsen jelentkezni fognak a t\u00f6rleszt\u00e9si neh\u00e9zs\u00e9gek.<\/p>\n<p>Emellett f\u0151k\u00e9nt egyes bels\u0151 budapesti ker\u00fcletekben cs\u00f6kkentek a b\u00e9rleti d\u00edjak a r\u00f6vid t\u00e1v\u00fa sz\u00e1ll\u00e1shelyek \u00e1tmeneti vissza\u00e1raml\u00e1s\u00e1val a klasszikus b\u00e9rleti piacra. A lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9re ez pozit\u00edv hat\u00e1ssal volt, azonban szab\u00e1lyoz\u00f3i beavatkoz\u00e1s n\u00e9lk\u00fcl ez csak \u00e1tmeneti v\u00e1ltoz\u00e1st jelent. <\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Javaslatok&#8221; _builder_version=&#8221;4.6.1&#8243; text_font_size=&#8221;15px&#8221; link_font=&#8221;||||on|||#ffffff|&#8221; link_text_color=&#8221;#ffffff&#8221; header_line_height=&#8221;1.1em&#8221; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_line_height=&#8221;1.1em&#8221; background_color=&#8221;#43b02a&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;2em||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><strong>Mindenk\u00e9ppen sz\u00fcks\u00e9g van a lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9nek \u00e1tfog\u00f3bb biztos\u00edt\u00e1s\u00e1ra \u00e9s olyan megold\u00e1sok kidolgoz\u00e1s\u00e1ra, amelyek az alacsonyabb j\u00f6vedelm\u0171 h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra is kisz\u00e1m\u00edthat\u00f3, biztos helyzetet teremtenek.<\/strong><\/p>\n<p>Mindenekel\u0151tt sz\u00fcks\u00e9g lenne egy \u00e1tfog\u00f3 adatgy\u0171jt\u00e9sre, amely \u00f6sszegzi a h\u00e1ztart\u00e1sok elad\u00f3sod\u00e1si t\u00e9nyez\u0151it \u00e9s re\u00e1lis k\u00e9pet ad a probl\u00e9ma m\u00e9rt\u00e9k\u00e9r\u0151l.<\/p>\n<p>Emellett javasoljuk \u00e1tfog\u00f3 ad\u00f3ss\u00e1gkezel\u00e9si programok kidolgoz\u00e1s\u00e1t, amelyek tartalmazz\u00e1k az egyeztet\u00e9s vagy a k\u00f6zvet\u00edt\u00e9s lehet\u0151s\u00e9g\u00e9t az ad\u00f3sok, valamint a tartoz\u00e1st k\u00f6vetel\u0151k k\u00f6z\u00f6tt, \u00e9s ami az ad\u00f3ss\u00e1gcsapd\u00e1ba ker\u00fclt h\u00e1ztart\u00e1sok helyzet\u00e9t rendezni tudja.<\/p>\n<p>Szint\u00e9n sz\u00fcks\u00e9g van a megfizethet\u0151 lak\u00e1sszektor b\u0151v\u00edt\u00e9s\u00e9re, ami a j\u00f6v\u0151beli elad\u00f3sod\u00e1st megakad\u00e1lyozza az\u00e1ltal, hogy alacsonyabb j\u00f6vedelm\u0171 h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra is tart\u00f3san megfizethet\u0151 \u00e1r\u00fa lak\u00e1sokat biztos\u00edt. Emellett pedig c\u00e9lzott lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1si programokra is sz\u00fcks\u00e9g van.<\/p>\n<p>Elengedhetetlen a mag\u00e1nb\u00e9rleti piac \u00e1tfog\u00f3 szab\u00e1lyoz\u00e1sa, hogy ez a szegmens is biztons\u00e1gosabb\u00e1 \u00e9s megfizethet\u0151bb\u00e9 v\u00e1ljon. Ehhez kor\u00e1bban r\u00e9szletes javaslatcsomagot dolgoztunk ki <a href=\"https:\/\/habitat.hu\/sites\/feketelakas\/megoldasok-megfizethetoseg\/\" target=\"_blank\" rel=\"noopener noreferrer\">Feketelak\u00e1s 3.0<\/a> c\u00edmen.<\/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: P\u00f3sfai Zsuzsanna (Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont). A szerkeszt\u00e9s 2020. augusztus 31-\u00e9n lez\u00e1rult. Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3, a teljes lakhat\u00e1si jelent\u00e9s let\u00f6lthet\u0151 itt.A lakhat\u00e1si k\u00f6lts\u00e9gek jelent\u0151s t\u00e9telt k\u00e9peznek a magyar h\u00e1ztart\u00e1sok havi kiad\u00e1sai k\u00f6z\u00f6tt, \u00e9s min\u00e9l alacsonyabb j\u00f6vedelm\u0171 egy h\u00e1ztart\u00e1s, ezek ann\u00e1l nagyobb h\u00e1nyadot tesznek ki. Ez a nagy anyagi teher, \u2013 amit [&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":4,"featured_media":238,"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-37","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 2020 | 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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