{"id":112,"date":"2021-10-17T18:06:14","date_gmt":"2021-10-17T16:06:14","guid":{"rendered":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/?page_id=112"},"modified":"2023-03-31T14:22:08","modified_gmt":"2023-03-31T12:22:08","slug":"lakhatasi-kozpolitikak-es-a-lakhatas-megfizethetosege-az-elmult-harom-evtizedben","status":"publish","type":"page","link":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/lakhatasi-kozpolitikak-es-a-lakhatas-megfizethetosege-az-elmult-harom-evtizedben\/","title":{"rendered":"Lakhat\u00e1si k\u00f6zpolitik\u00e1k \u00e9s a lakhat\u00e1s megfizethet\u0151s\u00e9ge az elm\u00falt h\u00e1rom \u00e9vtizedben"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; use_bg_overlay=&#8221;off&#8221; _builder_version=&#8221;4.20.2&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;15%||10%||false|false&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_slide heading=&#8221;Lakhat\u00e1si k\u00f6zpolitik\u00e1k \u00e9s a lakhat\u00e1s megfizethet\u0151s\u00e9ge az elm\u00falt h\u00e1rom \u00e9vtizedben&#8221; use_bg_overlay=&#8221;on&#8221; bg_overlay_color=&#8221;rgba(0,0,0,0.4)&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.20.2&#8243; header_level=&#8221;h2&#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_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/10\/habitat_gangos_berhaz_20210401_23_1080.jpg&#8221; background_enable_image=&#8221;on&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"text-align: center;\"><i class=\"fas fa-user\"><\/i> Szerz\u0151k: Czirfusz M\u00e1rton \u00e9s <span class=\"tooltip\">Jelinek Csaba<span class=\"tooltiptext\">Jelinek Csaba kutat\u00e1s\u00e1t a Nemzeti Kutat\u00e1si, Fejleszt\u00e9si \u00e9s Innov\u00e1ci\u00f3s Hivatal (NKFIH) A magyarorsz\u00e1gi lak\u00e1ssz\u00f6vetkezetek szociol\u00f3gi\u00e1ja t\u00f6rt\u00e9neti megk\u00f6zel\u00edt\u00e9sben c\u00edm\u0171, PD 139049 sz\u00e1m\u00fa projektje t\u00e1mogatta.<\/span><\/span> <em>(Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont; K\u00f6zgazdas\u00e1g- \u00e9s Region\u00e1lis Tudom\u00e1nyi Kutat\u00f3k\u00f6zpont)<\/em>.<\/p>\n<p style=\"text-align: center;\"><i class=\"fas fa-calendar-alt\"><\/i> A szerkeszt\u00e9s 2021. okt\u00f3ber 10-\u00e9n lez\u00e1rult.<\/p>\n<p style=\"text-align: center;\"><i class=\"fas fa-file-alt\"><\/i> Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3.<\/p>\n<p style=\"text-align: center; margin-top: 1em;\"><a class=\"fejezet-btn\" href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/11\/FINAL_Habitat_EvesJelentes_2021-3_20211109.pdf\" target=\"_blank\" rel=\"noopener\">A teljes fejezet 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;4.16&#8243; background_color=&#8221;rgba(234,234,234,0.95)&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; sticky_position=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_menu menu_id=&#8221;4&#8243; menu_style=&#8221;centered&#8221; mobile_menu_text_color=&#8221;#000000&#8243; menu_icon_color=&#8221;#000000&#8243; module_class=&#8221;custom-nav&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221;][\/et_pb_menu][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;4&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; text_font_size_tablet=&#8221;15px&#8221; text_font_size_phone=&#8221;15px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u200bA K\u00e1d\u00e1r-korszakban az egyik legfontosabb t\u00e1rsadalompolitikai alapvet\u00e9s a \u201elak\u00e1sk\u00e9rd\u00e9s\u201d megold\u00e1sa, a lak\u00e1sok sz\u00e1m\u00e1nak n\u00f6vel\u00e9se \u00e9s min\u0151s\u00e9g\u00fck jav\u00edt\u00e1sa volt. Ennek ellen\u00e9re szak\u00e9rt\u0151i becsl\u00e9sek szerint <strong>1990-ben m\u00e9g mindig 2-3 milli\u00f3 embert \u00e9rintett a lakhat\u00e1si szeg\u00e9nys\u00e9g valamilyen form\u00e1ja, ami m\u00e1ig nem cs\u00f6kkent \u00e9rdemben.<\/strong><\/p>\n<p>Az \u00e1llamszocialista id\u0151szakban az \u00e1llami szerepv\u00e1llal\u00e1s a lakhat\u00e1s ter\u00fclet\u00e9n a kor\u00e1bbi id\u0151szakokhoz k\u00e9pest jelent\u0151sen n\u0151tt, azonban az 1970-es \u00e9vek glob\u00e1lis p\u00e9nz\u00fcgyi v\u00e1ls\u00e1g\u00e1nak begy\u0171r\u0171z\u00e9s\u00e9vel az 1980-as \u00e9vekt\u0151l cs\u00f6kkenni kezdett, illetve \u00e1talakult. Az al\u00e1bbi, 1972-es kisfilm az akkori lak\u00e1spolitikai eszk\u00f6z\u00f6ket mutatja be, amelyek r\u00e9szben ma is ismer\u0151sek lehetnek.<\/p>\n<p>A rendszerv\u00e1lt\u00e1s ut\u00e1n megv\u00e1ltozott a lakhat\u00e1s politikai s\u00falya \u00e9s r\u00e9szben a lak\u00e1spolitikai eszk\u00f6z\u00f6k is. <strong>Ebben a fejezetben a rendszerv\u00e1lt\u00e1s \u00f3ta eltelt nagyj\u00e1b\u00f3l harminc \u00e9v lak\u00e1spolitik\u00e1j\u00e1t tekintj\u00fck \u00e1t.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;vid&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">Az \u00f6r\u00f6ks\u00e9g: az \u00e1llamszocialista id\u0151szak lak\u00e1spolitikai eszk\u00f6zei<\/h5>\n<div class=\"video-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/gXIRNjxbbis?start=259\" frameborder=\"0\" allowfullscreen=\"\" class=\"video\"><\/iframe><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; module_id=&#8221;korszakok&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; admin_label=&#8221;A lak\u00e1spolitika korszakai&#8221; _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;15%||15%||false|false&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide heading=&#8221;A lak\u00e1spolitika korszakai&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;on&#8221; text_overlay_color=&#8221;rgba(0,0,0,0.4)&#8221; _builder_version=&#8221;4.16&#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_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/11\/habitat_gangos_berhaz_20210401_24_1080.jpg&#8221; background_enable_image=&#8221;on&#8221; parallax=&#8221;on&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; 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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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u200bAz elm\u00falt h\u00e1rom \u00e9vtizedet lak\u00e1spolitikai szempontb\u00f3l \u00f6t korszakra bonthatjuk. A nagyobb t\u00f6r\u00e9spontok a v\u00e1ls\u00e1gok \u00e9s fel\u00edvel\u00e9sek szabdalta gazdas\u00e1gi, ingatlanpiaci ciklusok fordul\u00f3pontjaihoz kapcsol\u00f3dtak, \u00e9s csak r\u00e9szben a politikai ciklusokhoz.<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/WEpYNiH3cXw9uxfrJ5P0\" 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<h3>\u200b1. Rendszerv\u00e1lt\u00e1s \u00e9s v\u00e1ls\u00e1gkezel\u00e9s (1980-as \u00e9vek v\u00e9ge \u2013 1995)<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;0px||1em||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Az els\u0151 szakasz a piacos\u00edt\u00e1ssal \u00f6sszef\u00fcgg\u0151 k\u00f6zpolitikai v\u00e1ltoz\u00e1sokkal \u00e9s a v\u00e1ls\u00e1gkezel\u00e9ssel jellemezhet\u0151.<\/p>\n<p>Az 1980-as \u00e9vek v\u00e9g\u00e9n indult el, majd az 1993-as \u00faj lak\u00e1st\u00f6rv\u00e9nnyel gyorsult fel a lak\u00e1sok privatiz\u00e1ci\u00f3ja. A rendszerv\u00e1lt\u00e1s pillanat\u00e1ban orsz\u00e1gosan a lak\u00e1sok nagyj\u00e1b\u00f3l 20%-a \u00e1llami k\u00e9zben volt. A kor\u00e1bbi tan\u00e1csi b\u00e9rlak\u00e1sokat megkap\u00f3 \u00f6nkorm\u00e1nyzatok politikai auton\u00f3mi\u00e1juk \u00e9s \u00faj feladataik \u2013 k\u00f6zt\u00fck a helyi szoci\u00e1lis \u00e9s lak\u00e1sprobl\u00e9m\u00e1k kezel\u00e9se \u2013 mell\u00e9 nem kaptak elegend\u0151 p\u00e9nz\u00fcgyi forr\u00e1st, megalapozva az \u00f6nkorm\u00e1nyzati b\u00e9rlak\u00e1sszektor m\u00e1ig tart\u00f3 rendszerszint\u0171 probl\u00e9m\u00e1it.<\/p>\n<p>Az \u00e1llam visszafogta lak\u00e1sc\u00e9l\u00fa kiad\u00e1sait, az \u00e1llami lak\u00e1s\u00e9p\u00edt\u00e9s gyakorlatilag megsz\u0171nt. A kor\u00e1bbi lak\u00e1sc\u00e9l\u00fa hitelek t\u00e1mogat\u00e1sa 1990-ben m\u00e1r a GDP 8%-\u00e1t em\u00e9sztette fel, aminek a rendez\u00e9se a korszak nagy kih\u00edv\u00e1sa volt. Jelent\u0151s, szoci\u00e1lisan c\u00e9lzott lakhat\u00e1si t\u00e1mogat\u00e1sok alig l\u00e9teztek, az \u00e1llamszocializmusban is l\u00e9tez\u0151 \u201eszoci\u00e1lpolitikai kedvezm\u00e9nyen\u201d (szocpol) k\u00edv\u00fcl.<\/p>\n<p>A rendszerv\u00e1lt\u00e1s drasztikus k\u00f6zpolitikai v\u00e1ltoz\u00e1sainak negat\u00edv t\u00e1rsadalmi hat\u00e1sait szeml\u00e9ltetik az id\u0151szak mozgalmi v\u00e1laszai, illetve a \u201et\u0171zolt\u00f3\u201d jelleg\u0171 beavatkoz\u00e1sok, amelyek p\u00e9ld\u00e1ul kijel\u00f6lt\u00e9k a hazai hajl\u00e9ktalanell\u00e1t\u00e1s \u00fatf\u00fcgg\u0151 p\u00e1ly\u00e1j\u00e1t.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;vid&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">A lak\u00e1sprivatiz\u00e1ci\u00f3val \u201enemzeti aj\u00e1nd\u00e9kot\u201d juttattak a volt b\u00e9rl\u0151knek<\/h5>\n<div class=\"video-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/1BRsxHWnhIc\" frameborder=\"0\" allowfullscreen=\"\" class=\"video\"><\/iframe><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>\u200b2. P\u00e9nz\u00fcgyi liberaliz\u00e1ci\u00f3 \u00e9s \u00faj lak\u00e1sfinansz\u00edroz\u00e1si int\u00e9zm\u00e9nyek (1996\u20132001)<\/h3>\n<p>Az els\u0151 szakasz \u201et\u0171zolt\u00f3\u201d, \u201esodr\u00f3d\u00f3\u201d jellege ut\u00e1n a m\u00e1sodik szakasz a tudatosabb int\u00e9zm\u00e9ny\u00e9p\u00edt\u00e9sre \u00e9s a piaci viszonyok elterjeszt\u00e9s\u00e9re \u00f6sszpontos\u00edtott.<\/p>\n<p>A szakasz elej\u00e9n a lak\u00e1sfinansz\u00edroz\u00e1s v\u00e1ls\u00e1gban volt, a lak\u00e1s\u00e9p\u00edt\u00e9sek sz\u00e1ma 1999-ben \u00e9rte el \u00e9vtizedes m\u00e9lypontj\u00e1t. Az 1990-es \u00e9vek k\u00f6zep\u00e9t\u0151l indult be az \u00e1llamilag t\u00e1mogatott lak\u00e1s-takar\u00e9kp\u00e9nzt\u00e1ri rendszer (1996) \u00e9s a jelz\u00e1logalap\u00fa lak\u00e1shitelez\u00e9s (1998), amelyek meg\u00e1gyaztak a rendszerv\u00e1lt\u00e1s ut\u00e1ni els\u0151 lak\u00e1spiaci fellend\u00fcl\u00e9snek.<\/p>\n<p>Az els\u0151 Orb\u00e1n-korm\u00e1ny (1998\u20132002) a rendszerv\u00e1lt\u00e1s ut\u00e1n el\u0151sz\u00f6r pr\u00f3b\u00e1lkozott a lak\u00e1spolitika egys\u00e9gesebb kezel\u00e9s\u00e9vel. Az \u00faj int\u00e9zked\u00e9sek (\u00e1llamilag t\u00e1mogatott lak\u00e1shitelek, mag\u00e1nlak\u00e1s-\u00e9p\u00edt\u00e9s t\u00e1mogat\u00e1sa ad\u00f3kedvezm\u00e9nyekkel, panelfel\u00faj\u00edt\u00e1si program) kulcsszava az \u00f6ngondoskod\u00e1s lett. A kedvezm\u00e9nyezettek a (fels\u0151-)k\u00f6z\u00e9poszt\u00e1ly tagjai voltak, azon bel\u00fcl is a fiatal csal\u00e1dok, ami hozz\u00e1j\u00e1rult a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k t\u00e1rsadalmi leszakad\u00e1s\u00e1hoz. Ugyanakkor az els\u0151 Orb\u00e1n-korm\u00e1ny t\u00e1mogatta a rendszerv\u00e1lt\u00e1s \u00f3ta el\u0151sz\u00f6r az \u00f6nkorm\u00e1nyzati b\u00e9rlak\u00e1sok sz\u00e1m\u00e1nak n\u00f6vel\u00e9s\u00e9t: h\u00e1rom \u00e9v alatt v\u00e1s\u00e1rl\u00e1sokkal \u00e9s \u00e9p\u00edt\u00e9sekkel 11 ezer b\u00e9rlak\u00e1ssal b\u0151v\u00fclt a drasztikusan lecs\u00f6kkent \u00e1llom\u00e1ny.<\/p>\n<h3>3. Az els\u0151 lak\u00e1spiaci boom \u00e9s az eur\u00f3pai uni\u00f3s eszk\u00f6z\u00f6k (2002\u20132008)<\/h3>\n<p>Ebben az id\u0151szakban tov\u00e1bbra is a mag\u00e1ntulajdon-szerz\u00e9s t\u00e1mogat\u00e1sa \u00e9s a lakhat\u00e1si szeg\u00e9nys\u00e9g \u00e9rdemi kezel\u00e9s\u00e9nek a hi\u00e1nya volt jellemz\u0151.<\/p>\n<p>A 2000-es \u00e9vek elej\u00e9nek lak\u00e1spiaci fellend\u00fcl\u00e9se a t\u00e1rsadalom k\u00fcl\u00f6nb\u00f6z\u0151 r\u00e9tegeit k\u00fcl\u00f6nb\u00f6z\u0151k\u00e9ppen \u00e9rintette: a tehet\u0151sebb r\u00e9tegek az \u00e1llamilag t\u00e1mogatott hitelekkel, majd a (k\u00e9s\u0151bb sokszor drasztikus elad\u00f3sod\u00e1shoz vezet\u0151) devizahitelekkel jav\u00edtani tudt\u00e1k a lak\u00e1shelyzet\u00fcket, azonban a t\u00e1rsadalom nagyobb r\u00e9sze tov\u00e1bbra sem tudott jobb lakhat\u00e1si helyzetbe ker\u00fclni.<\/p>\n<p>A 2002 ut\u00e1ni korm\u00e1nyok szoci\u00e1lisan \u00e9rz\u00e9kenyebb\u00e9 pr\u00f3b\u00e1lt\u00e1k tenni a lak\u00e1spolitikai eszk\u00f6z\u00f6k egy r\u00e9sz\u00e9t, p\u00e9ld\u00e1ul a szocpolt, a mag\u00e1nlak\u00e1s-\u00e9p\u00edt\u00e9shez k\u00f6t\u0151d\u0151 \u00e1llami t\u00e1mogat\u00e1sokat \u00e9s ad\u00f3kedvezm\u00e9nyeket. A lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151k sz\u00e1m\u00e1ra megemelt\u00e9k (\u00e9s a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9sb\u0151l fizett\u00e9k) a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1st, valamint bevezett\u00e9k a k\u00f6zpontilag szab\u00e1lyozott ad\u00f3ss\u00e1gcs\u00f6kkent\u00e9si t\u00e1mogat\u00e1st, 2007-t\u0151l szoci\u00e1lisan c\u00e9lzott\u00e1 tett\u00e9k a lakoss\u00e1gi g\u00e1z\u00e1rt\u00e1mogat\u00e1st.<\/p>\n<p>Tov\u00e1bbi elemk\u00e9nt megjelentek a lakhat\u00e1si k\u00e9rd\u00e9seket is \u00e9rint\u0151 eur\u00f3pai uni\u00f3s t\u00e1mogat\u00e1sok: a szak\u00e9rt\u0151k el\u0151k\u00e9sz\u00edtett\u00e9k az els\u0151 nagyobb v\u00e1rosrehabilit\u00e1ci\u00f3s \u00e9s telepfelsz\u00e1mol\u00e1si programokat. Majdnem 200 ezer h\u00e1ztart\u00e1st \u00e9rintett az egyre b\u0151v\u00fcl\u0151 panelprogram, kezdetben hazai, majd uni\u00f3s forr\u00e1sb\u00f3l.<\/p>\n<h3>4. Devizahitel-v\u00e1ls\u00e1g (2009\u20132014)<\/h3>\n<p>A korszakban a 2008\u20132009-es glob\u00e1lis gazdas\u00e1gi v\u00e1ls\u00e1g kedvez\u0151tlen hat\u00e1sait kezelni sz\u00e1nd\u00e9koz\u00f3 lak\u00e1spolitikai programok l\u00e9ptek \u00e9letbe: a kilakoltat\u00e1si morat\u00f3rium, a v\u00e9gt\u00f6rleszt\u00e9s, az \u00e1rfolyamg\u00e1t \u00e9s a Nemzeti Eszk\u00f6zkezel\u0151 program. A hitelv\u00e1ls\u00e1got kezel\u0151 beavatkoz\u00e1sok nagy r\u00e9sze az eleve tehet\u0151sebbeket seg\u00edtette. A lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151ket c\u00e9lozta az Eszk\u00f6zkezel\u0151 fel\u00e1ll\u00edt\u00e1sa, amely t\u00f6bb mint 30 ezer lak\u00e1s \u00e1llami megv\u00e1s\u00e1rl\u00e1s\u00e1val a rendszerv\u00e1lt\u00e1s ut\u00e1ni id\u0151szak legnagyobb \u00e1llami b\u00e9rlak\u00e1sb\u0151v\u00edt\u0151 int\u00e9zked\u00e9se volt.<\/p>\n<p>Kor\u00e1bbi, a lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151ket c\u00e9lz\u00f3 t\u00e1mogat\u00e1sok megsz\u0171ntek vagy sz\u0171k\u00fclt a hozz\u00e1f\u00e9r\u00e9s\u00fck: ilyen volt a szocpol (megsz\u0171nt), a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s (szigor\u00edt\u00e1s), az ad\u00f3ss\u00e1gcs\u00f6kkent\u00e9si t\u00e1mogat\u00e1s (szigor\u00edt\u00e1s) \u00e9s a g\u00e1z\u00e1rt\u00e1mogat\u00e1s (felv\u00e1ltotta a \u201erezsics\u00f6kkent\u00e9s\u201d).<\/p>\n<p>A nemzeti egy\u00fcttm\u0171k\u00f6d\u00e9s rendszer\u00e9nek szeg\u00e9nyellenes politikai hozz\u00e1\u00e1ll\u00e1s\u00e1t p\u00e9ld\u00e1zza a hajl\u00e9ktalan embereket \u00e9s a hajl\u00e9ktalans\u00e1got kriminaliz\u00e1l\u00f3 szab\u00e1lyoz\u00e1sok alkotm\u00e1nyos szintre emel\u00e9se.<\/p>\n<h3>5. A m\u00e1sodik lak\u00e1spiaci boom (2015\u2013)<\/h3>\n<p>A 2010-es \u00e9vek m\u00e1sodik fel\u00e9ben indult a rendszerv\u00e1lt\u00e1s ut\u00e1ni m\u00e1sodik lak\u00e1spiaci fellend\u00fcl\u00e9s. \u00daj form\u00e1ban bevezettek r\u00e9szben kor\u00e1bban is ismert lak\u00e1spolitikai eszk\u00f6z\u00f6ket: a csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9nyt (CSOK), a babav\u00e1r\u00f3 hitelt \u00e9s az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1st. Ezek az int\u00e9zked\u00e9sek a (fels\u0151-)k\u00f6z\u00e9poszt\u00e1lybeli, t\u00f6bbgyermekes csal\u00e1dokat t\u00e1mogatj\u00e1k legink\u00e1bb; a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k helyzet\u00e9t rendszerszint\u0171en figyelmen k\u00edv\u00fcl hagyja a korm\u00e1ny.<\/p>\n<p>2015-ben megsz\u0171nt a k\u00f6zpontilag szab\u00e1lyozott lak\u00e1sfenntart\u00e1si \u00e9s ad\u00f3ss\u00e1gkezel\u00e9si t\u00e1mogat\u00e1s, \u00edgy a szoci\u00e1lisan c\u00e9lzott lakhat\u00e1si c\u00e9l\u00fa kiad\u00e1sok cs\u00f6kkentek, a lakhat\u00e1si egyenl\u0151tlens\u00e9gek n\u0151ttek. A Nemzeti Eszk\u00f6zkezel\u0151 lak\u00e1s\u00e1llom\u00e1ny\u00e1t privatiz\u00e1lt\u00e1k, illetve a marad\u00e9k lak\u00e1sokat egyh\u00e1zi szervezeteknek adt\u00e1k \u00e1t. Jelent\u0151sebb, szoci\u00e1lisan c\u00e9lzott programk\u00e9nt egyed\u00fcl a kis l\u00e9pt\u00e9k\u0171, az EU \u00e1ltal finansz\u00edrozott szoci\u00e1lis v\u00e1rosrehabilit\u00e1ci\u00f3k \u00e9s telepfelsz\u00e1mol\u00e1si programok maradtak.<\/p>\n<p>A lak\u00e1spolitikai d\u00f6nt\u00e9shozatalt a makrogazdas\u00e1gi \u00e9s a csal\u00e1dpolitikai szempontok hat\u00e1rozz\u00e1k meg. A lak\u00e1spolitik\u00e1t a mag\u00e1ntulajdonra \u00e9p\u00fcl\u0151 lak\u00e1srendszer v\u00e9delme, a k\u00f6ztulajdon\u00fa vagy nonprofit b\u00e9rlak\u00e1sszektor elvi alapokon t\u00f6rt\u00e9n\u0151 elutas\u00edt\u00e1sa jellemzi.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; module_id=&#8221;logikak&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; admin_label=&#8221;Lak\u00e1spolitikai logik\u00e1k \u00e9s a lak\u00e1s\u00fcgy helye a korm\u00e1nyzatban&#8221; _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;15%||15%||false|false&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide heading=&#8221;Lak\u00e1spolitikai logik\u00e1k \u00e9s a lak\u00e1s\u00fcgy helye a korm\u00e1nyzatban&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;on&#8221; text_overlay_color=&#8221;rgba(0,0,0,0.4)&#8221; _builder_version=&#8221;4.16&#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_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/11\/habitat_gangos_berhaz_20210401_17_1080.jpg&#8221; background_enable_image=&#8221;on&#8221; parallax=&#8221;on&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Lak\u00e1spolitikai logik\u00e1k<\/h3>\n<p>Az elm\u00falt h\u00e1rom \u00e9vtizedben a mindenkori korm\u00e1nyzat lak\u00e1spolitikai beavatkoz\u00e1saiban n\u00e9gyfajta megk\u00f6zel\u00edt\u00e9s keveredett, v\u00e1ltoz\u00f3 hangs\u00falyokkal.<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/3FtbITi7EF6EHs9uGYcU\" 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><strong>1. A lak\u00e1s\u00fcgy mint \u00f6nkorm\u00e1nyzati k\u00e9rd\u00e9s.<\/strong> Ez a megk\u00f6zel\u00edt\u00e9s meghat\u00e1roz\u00f3 volt 1990 \u00e9s 1998 k\u00f6z\u00f6tt, amikor az \u00f6nkorm\u00e1nyzatoknak \u00e1tadt\u00e1k a kor\u00e1bbi \u00e1llami lak\u00e1svagyont, v\u00e9grehajtott\u00e1k a k\u00f6ztulajdon\u00fa lak\u00e1sok privatiz\u00e1ci\u00f3j\u00e1t, \u00e9s kidolgozt\u00e1k az \u00f6nkorm\u00e1nyzatok lak\u00e1sgazd\u00e1lkod\u00e1s\u00e1nak a szab\u00e1lyait. A lak\u00e1s\u00fcgy ir\u00e1ny\u00edt\u00e1s\u00e1ban a Bel\u00fcgyminiszt\u00e9rium volt meghat\u00e1roz\u00f3 szerepl\u0151. 2006 \u00e9s 2010 k\u00f6z\u00f6tt szint\u00e9n hangs\u00falyoss\u00e1 v\u00e1lt ez a megk\u00f6zel\u00edt\u00e9s, amikor az \u00f6nkorm\u00e1nyzati \u00fcgyek\u00e9rt felel\u0151s miniszterhez tartoztak a lak\u00e1s\u00fcgyek.<\/p>\n<p><strong>2. A lak\u00e1s\u00fcgy mint p\u00e9nz\u00fcgyi k\u00e9rd\u00e9s.<\/strong> E logika szerint az a d\u00f6nt\u0151 szempont, hogy a kereskedelmi bankok k\u00f6zvet\u00edt\u00e9s\u00e9vel milyen p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6kkel tudja biztos\u00edtani a korm\u00e1ny az \u00e1llampolg\u00e1rok lak\u00e1stulajdonhoz jut\u00e1s\u00e1t. Ez a felfog\u00e1s 1994 \u00e9s 2002 k\u00f6z\u00f6tt, majd 2012-t\u0151l volt meghat\u00e1roz\u00f3. J\u00f3l jelzi ezt a megk\u00f6zel\u00edt\u00e9st, hogy a lak\u00e1spolitika alak\u00edt\u00f3ja jelenleg a P\u00e9nz\u00fcgyminiszt\u00e9rium.<\/p>\n<p><strong>3. A lak\u00e1s\u00fcgy mint \u00e9p\u00edt\u00e9s\u00fcgyi k\u00e9rd\u00e9s.<\/strong> A harmadik logika szerint a lak\u00e1s\u00fcgy els\u0151sorban a lak\u00e1sokr\u00f3l mint anyagi javakr\u00f3l sz\u00f3l, amelyek \u00e9p\u00edt\u00e9s\u00e9t \u00e9s fel\u00faj\u00edt\u00e1s\u00e1t kell a korm\u00e1nyoknak seg\u00edtenie. Ez a felfog\u00e1s k\u00e9t id\u0151szakban volt meghat\u00e1roz\u00f3: 2002 \u00e9s 2006 k\u00f6z\u00f6tt (ekkor foglalkoztak leg\u00e1tfog\u00f3bban a lakhat\u00e1ssal, azaz az \u00f6sszes logika egy\u00fcttesen \u00e9rv\u00e9nyes\u00fclt, b\u00e1r az \u00e9p\u00edt\u00e9s\u00fcgy t\u00fals\u00faly\u00e1val); valamint egy r\u00f6vid, 2010 \u00e9s 2012 k\u00f6z\u00f6tti id\u0151szakban.<\/p>\n<p><strong>4. A lak\u00e1s\u00fcgy mint szoci\u00e1lis vagy csal\u00e1dpolitikai k\u00e9rd\u00e9s.<\/strong> A szoci\u00e1lis megk\u00f6zel\u00edt\u00e9s szerint a korm\u00e1ny feladata a szoci\u00e1lisan r\u00e1szorul\u00f3k lakhat\u00e1s\u00e1nak t\u00e1mogat\u00e1sa. Ez a megk\u00f6zel\u00edt\u00e9s vallja mag\u00e1nak a lakhat\u00e1si szeg\u00e9nys\u00e9g cs\u00f6kkent\u00e9s\u00e9t mint els\u0151dleges feladatot. Az elm\u00falt h\u00e1rom \u00e9vtizedben a lakhat\u00e1si szeg\u00e9nys\u00e9g cs\u00f6kkent\u00e9s\u00e9t c\u00e9lz\u00f3 szoci\u00e1lis megk\u00f6zel\u00edt\u00e9s soha nem volt els\u0151dleges. Az elm\u00falt f\u00e9l \u00e9vtizedben er\u0151s\u00f6d\u00f6tt a lak\u00e1spolitika csal\u00e1dpolitikai (demogr\u00e1fiai) jellege, b\u00e1r a csal\u00e1dosok lakhat\u00e1s\u00e1nak kiemelt t\u00e1mogat\u00e1sa v\u00e9gig (\u00e9s m\u00e1r a rendszerv\u00e1lt\u00e1s el\u0151tt is) fontos volt a lak\u00e1st\u00e1mogat\u00e1si rendszerben.<\/p>\n<h3 style=\"padding-top:1em;\">A lak\u00e1s\u00fcgy helye a korm\u00e1nyzaton bel\u00fcl<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<strong>A lak\u00e1s\u00fcgynek az elm\u00falt h\u00e1rom \u00e9vtizedben nem volt a s\u00faly\u00e1nak megfelel\u0151 k\u00e9pviselete a korm\u00e1nyzaton bel\u00fcl.<\/strong> Legmagasabb szint\u0171 korm\u00e1nyzati k\u00e9pviselete a lak\u00e1s\u00fcgynek a Medgyessy-korm\u00e1nyban volt (2002\u20132004 k\u00f6z\u00f6tt), amikor lak\u00e1s\u00fcgyi korm\u00e1nymegb\u00edzott (Csabai L\u00e1szl\u00f3n\u00e9) foglalkozott \u00e1tfog\u00f3 m\u00f3don a lak\u00e1s\u00fcggyel. Lak\u00e1s\u00fcgyi \u00e1llamtitk\u00e1r (akinek csak ez szerepelt a feladatk\u00f6r\u00e9ben) soha nem volt, <strong>\u00f6n\u00e1ll\u00f3 miniszt\u00e9riumi f\u0151oszt\u00e1lyi szinten is csak a vizsg\u00e1lt id\u0151szak kevesebb mint harmad\u00e1ban volt k\u00e9pviselve a lak\u00e1s\u00fcgy<\/strong>. A lak\u00e1s\u00fcgy helyettes \u00e1llamtitk\u00e1ri szinten jelenleg a p\u00e9nz\u00fcgypolitik\u00e1\u00e9rt felel\u0151s helyettes \u00e1llamtitk\u00e1rhoz tartozik, akinek 14 pontban felsorolt feladataib\u00f3l puszt\u00e1n egy kapcsol\u00f3dik a lak\u00e1s\u00fcgyh\u00f6z. A<strong> P\u00e9nz\u00fcgyminiszt\u00e9riumon bel\u00fcl a lak\u00e1spolitikai k\u00e9rd\u00e9sek jelenleg a Makrogazdas\u00e1gi F\u0151oszt\u00e1lyhoz tartoznak, teh\u00e1t a lak\u00e1s\u00fcgy p\u00e9nz\u00fcgyi logik\u00e1ja a meghat\u00e1roz\u00f3.<\/strong><\/p>\n<p>Szint\u00e9n egy\u00e9rtelm\u0171 folyamat az elm\u00falt h\u00e1rom \u00e9vtizedben, hogy <strong>a szakmai feladatok \u00e9rdemi ell\u00e1t\u00e1s\u00e1t nem tette lehet\u0151v\u00e9 a lak\u00e1s\u00fcggyel foglalkoz\u00f3 korm\u00e1nyzati appar\u00e1tus m\u00e9rete<\/strong>. Kis m\u00e9ret\u0171 appar\u00e1tussal sem \u00e9rdemi lak\u00e1spolitikai tervez\u00e9s, sem a lak\u00e1spolitikai rendszer m\u0171k\u00f6dtet\u00e9se nem kivitelezhet\u0151.<\/p>\n<p><strong>Az elm\u00falt h\u00e1rom \u00e9vtizedben egyik korm\u00e1nynak sem volt elfogadott, \u00e1tfog\u00f3 lak\u00e1spolitikai koncepci\u00f3ja.<\/strong> A rendszerv\u00e1lt\u00e1s ut\u00e1n lak\u00e1spolitikai koncepci\u00f3 elk\u00e9sz\u00edt\u00e9s\u00e9vel 1991-ben pr\u00f3b\u00e1lkoztak sikertelen\u00fcl, majd 1999-ben az els\u0151 Orb\u00e1n-korm\u00e1ny id\u0151szak\u00e1ban a lak\u00e1spolitika f\u0151bb ir\u00e1nyair\u00f3l sz\u00f3l\u00f3 elfogadott korm\u00e1nyhat\u00e1rozatig jutott a koncepci\u00f3alkot\u00e1s. A lak\u00e1s\u00fcgyi korm\u00e1nybiztos vezet\u00e9s\u00e9vel 2003-ban ugyan elk\u00e9sz\u00fclt a <a href=\"https:\/\/docplayer.hu\/17527895-Otthon-europaban-a-nemzeti-lakasprogram-pillerei.html\" target=\"_blank\" rel=\"noopener\">Nemzeti Lak\u00e1sprogram koncepci\u00f3ja<\/a>, viszont ezt a korm\u00e1ny nem fogadta el a P\u00e9nz\u00fcgyminiszt\u00e9rium agg\u00e1lyai miatt. A 2010-es korm\u00e1nyv\u00e1lt\u00e1s ut\u00e1n, 2011-ben elk\u00e9sz\u00fclt egy <a href=\"https:\/\/2010-2014.kormany.hu\/download\/0\/d7\/30000\/otthonteremtesi_strategia.pdf\" target=\"_blank\" rel=\"noopener\">otthonteremt\u00e9si strat\u00e9gia vitairata<\/a>, amelynek elfogad\u00e1sa szint\u00e9n nem t\u00f6rt\u00e9nt meg. Az\u00f3ta m\u00e1r k\u00eds\u00e9rlet sem t\u00f6rt\u00e9nt a koncepci\u00f3alkot\u00e1sra. A korm\u00e1ny \u00e1ltal jelenleg otthonteremt\u00e9si programnak nevezett \u201ecsomag\u201d puszt\u00e1n lak\u00e1spolitikai eszk\u00f6z\u00f6k egy\u00fcttese, az eszk\u00f6zrendszert megalapoz\u00f3 strat\u00e9gia, valamint az eszk\u00f6z\u00f6k \u00e1tfog\u00f3, nyilv\u00e1nos hat\u00e1svizsg\u00e1lata n\u00e9lk\u00fcl.<\/p>\n<p><strong>C\u00e9lok hi\u00e1ny\u00e1ban nincs mihez m\u00e9rni a lak\u00e1spolitikai eszk\u00f6z\u00f6k hat\u00e1soss\u00e1g\u00e1t. A lak\u00e1spolitika egyed\u00fcli \u201esikerkrit\u00e9riuma\u201d az elm\u00falt h\u00e1rom \u00e9vtizedben l\u00e9nyeg\u00e9ben v\u00e9gig az volt, hogy min\u00e9l t\u00f6bb p\u00e9nzt k\u00f6lts\u00f6n el a korm\u00e1ny lak\u00e1st\u00e1mogat\u00e1si c\u00e9lra. Az, hogy ezek a forr\u00e1sok hogyan hasznosulnak vagy el\u00e9rik-e a lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151ket, nem mer\u00fclt fel megfontoland\u00f3 szempontk\u00e9nt.<\/strong>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;vid&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">A korm\u00e1ny jelenlegi otthonteremt\u00e9si programja val\u00f3j\u00e1ban lak\u00e1spolitikai eszk\u00f6z\u00f6k laza egy\u00fcttese<\/h5>\n<div class=\"video-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/BSpWdapawWo\" frameborder=\"0\" allowfullscreen=\"\" class=\"video\"><\/iframe><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; module_id=&#8221;koltsegvetes&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; admin_label=&#8221;Lak\u00e1sc\u00e9l\u00fa k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok \u00e9s a fontosabb lak\u00e1spolitikai eszk\u00f6z\u00f6k&#8221; _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;15%||15%||false|false&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide heading=&#8221;Lak\u00e1sc\u00e9l\u00fa k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok \u00e9s a fontosabb lak\u00e1spolitikai eszk\u00f6z\u00f6k&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;on&#8221; _builder_version=&#8221;4.16&#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_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/11\/habitat_gangos_panel_20210401_12_1080.jpg&#8221; background_enable_image=&#8221;on&#8221; parallax=&#8221;on&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]Ebben a r\u00e9szben a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s lakhat\u00e1si kiad\u00e1sait \u00e9s f\u0151bb lak\u00e1spolitikai eszk\u00f6zeit tekintj\u00fck \u00e1t.<\/p>\n<p>A lakhat\u00e1si kiad\u00e1sok \u00f6sszes\u00edt\u00e9sekor m\u00f3dszertanilag neh\u00e9zs\u00e9get jelent, hogy az \u00e1tfog\u00f3 lak\u00e1spolitikai adatszolg\u00e1ltat\u00e1s a rendszerv\u00e1lt\u00e1st k\u00f6vet\u0151en v\u00e9gig hi\u00e1nyzott, \u00edgy <strong>nem tudjuk, hogy pontosan mennyit k\u00f6lt az \u00e1llam az \u00e1llampolg\u00e1rok lakhat\u00e1s\u00e1nak biztos\u00edt\u00e1s\u00e1ra vagy seg\u00edt\u00e9s\u00e9re.<\/strong><\/p>\n<p><strong>Szint\u00e9n kev\u00e9s l\u00e9nyegi inform\u00e1ci\u00f3val rendelkez\u00fcnk arr\u00f3l, hogy a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s lakhat\u00e1si c\u00e9l\u00fa kiad\u00e1sai kiket \u00e9rtek el:<\/strong> azaz a lak\u00e1spolitikai eszk\u00f6z\u00f6k \u00e9rdemben hozz\u00e1j\u00e1rultak-e a lakhat\u00e1si szeg\u00e9nys\u00e9g m\u00e9rs\u00e9kl\u00e9s\u00e9hez vagy c\u00e9lzottabban \u00e9rt\u00e9k-e el a t\u00e1mogat\u00e1sra r\u00e1szorul\u00f3 t\u00e1rsadalmi csoportokat.<\/p>\n<h3 style=\"padding-top:1em;\">1. A <em>Lak\u00e1st\u00e1mogat\u00e1sok<\/em> k\u00f6lts\u00e9gvet\u00e9si c\u00edm kiad\u00e1sai<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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||1em||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A <em>Lak\u00e1st\u00e1mogat\u00e1sok<\/em> k\u00f6lts\u00e9gvet\u00e9si c\u00edm alig v\u00e1ltoz\u00f3 elnevez\u00e9sekkel \u00e9s nagyj\u00e1b\u00f3l hasonl\u00f3 tartalommal 1990 \u00f3ta jelen van a k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1si c\u00edmrendben. <strong>Elvileg a korm\u00e1ny a <em>Lak\u00e1st\u00e1mogat\u00e1sok<\/em> c\u00edm al\u00e1 sorolja be azokat a kiad\u00e1sokat, amelyeket lak\u00e1st\u00e1mogat\u00e1snak gondol el.<\/strong> A lak\u00e1st\u00e1mogat\u00e1sok elnevez\u00e9s nagyj\u00e1b\u00f3l pontos, mert olyan kiad\u00e1sokat soroltak ide a mindenkori k\u00f6lts\u00e9gvet\u00e9si tervez\u00e9s sor\u00e1n, amelyek valamilyen szempontb\u00f3l lakhat\u00e1si c\u00e9lokat szolg\u00e1ltak. A <em>Lak\u00e1st\u00e1mogat\u00e1sok<\/em> c\u00edm alatt a h\u00e1rom \u00e9vtized sor\u00e1n t\u00f6bb mint negyvenf\u00e9le lak\u00e1st\u00e1mogat\u00e1si eszk\u00f6zt szerepeltettek a korm\u00e1nyok, emellett a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9snek a <em>Lak\u00e1st\u00e1mogat\u00e1sok<\/em> soron t\u00fal is vannak jelent\u0151s, lakhat\u00e1si c\u00e9lokat szolg\u00e1l\u00f3 kiad\u00e1sai.<\/p>\n<p><strong>A lak\u00e1st\u00e1mogat\u00e1sok h\u00e1rom cs\u00facsa els\u0151sorban a rendszerv\u00e1lt\u00e1s el\u0151tti szoci\u00e1lpolitikai kedvezm\u00e9nynek (1990), a jelz\u00e1loghitelek kamatt\u00e1mogat\u00e1s\u00e1nak (2000-es \u00e9vek k\u00f6zepe), illetve a csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9nynek \u00e9s a lak\u00e1s-takar\u00e9kp\u00e9nzt\u00e1ri t\u00e1mogat\u00e1soknak (a 2010-es \u00e9vek m\u00e1sodik fel\u00e9t\u0151l) k\u00f6sz\u00f6nhet\u0151.<\/strong> (Az 1995-\u00f6s kiugr\u00f3 \u00e9rt\u00e9ket a rendszerv\u00e1lt\u00e1s el\u0151tti \u201er\u00e9gi\u201d lak\u00e1shitelek kiv\u00e1lt\u00e1s\u00e1hoz k\u00f6t\u0151d\u0151 egyszeri nagyobb kiad\u00e1si t\u00e9tel okozta, a 2022-es megugr\u00e1s pedig az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s miatt van.) Ezek a t\u00e1mogat\u00e1sok els\u0151sorban a h\u00e1ztart\u00e1sok lak\u00e1sv\u00e1s\u00e1rl\u00e1s\u00e1t \u00e9s lak\u00e1s\u00e9p\u00edt\u00e9s\u00e9t \u2013 azaz a mag\u00e1ntulajdon\u00fa lakhat\u00e1st \u2013 t\u00e1mogatt\u00e1k. <strong>Mindegyik\u00fckre jellemz\u0151, hogy nem r\u00e1szorults\u00e1gi alapon j\u00e1rnak; s\u0151t, a t\u00e1rsadalom als\u00f3 oszt\u00e1lyai sz\u00e1m\u00e1ra kev\u00e9sb\u00e9 el\u00e9rhet\u0151k.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; animation_style=&#8221;bounce&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/LZDQX00UbZqfRaO9Tj4x\" 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;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>2. A korm\u00e1nyzat lakhat\u00e1si kiad\u00e1sainak r\u00e9szletes bont\u00e1sa<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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||1em||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A korm\u00e1nyzat lakhat\u00e1si c\u00e9l\u00fa kiad\u00e1sait a kor\u00e1bbi lakhat\u00e1si jelent\u00e9sekhez hasonl\u00f3an a k\u00f6lts\u00e9gvet\u00e9si \u00e9s z\u00e1rsz\u00e1mad\u00e1si t\u00f6rv\u00e9nyekb\u0151l, illetve n\u00e9h\u00e1ny m\u00e1s forr\u00e1sb\u00f3l (p\u00e9ld\u00e1ul a K\u00f6zponti Statisztikai Hivatal kiadv\u00e1nyaib\u00f3l) is \u00f6sszes\u00edtj\u00fck. A kiad\u00e1sok pontos \u00f6sszes\u00edt\u00e9se lehetetlen, a tiszt\u00e1nl\u00e1t\u00e1st a mindenkori korm\u00e1nyok sem teszik-tett\u00e9k lehet\u0151v\u00e9. \u00cdgy <strong>az \u00f6ssze\u00e1ll\u00edt\u00e1s sok szempontb\u00f3l csak azt tartalmazza, amit a k\u00f6lts\u00e9gvet\u00e9s \u00e9s a korm\u00e1ny l\u00e1tni \u00e9s l\u00e1ttatni enged, sz\u00e1mos lakhat\u00e1st is szolg\u00e1l\u00f3 eszk\u00f6z rejtve marad<\/strong>. A hosszabb tendenci\u00e1k \u00e9s a bels\u0151 ar\u00e1nyok \u00e9rz\u00e9keltet\u00e9s\u00e9re ugyanakkor az \u00e1bra alkalmas.<\/p>\n<p>A tov\u00e1bbiakban az \u00e1bra csoportos\u00edt\u00e1s\u00e1hoz igazodva mutatjuk be a f\u0151bb lak\u00e1spolitikai eszk\u00f6z\u00f6ket. Az felt\u00fcntetett kiad\u00e1sok minden esetben 2020-as \u00e1rakra \u00e1tsz\u00e1molt (azaz az infl\u00e1ci\u00f3t is figyelembe vev\u0151) \u00f6sszegek.<\/p>\n<h4>K\u00f6ztulajdon\u00fa lak\u00e1sok b\u0151v\u00edt\u00e9se, fenntart\u00e1sa \u00e9s fel\u00faj\u00edt\u00e1sa<\/h4>\n<p>Ezek a t\u00e1mogat\u00e1sok szoci\u00e1lisan c\u00e9lzott t\u00e1mogat\u00e1soknak mondhat\u00f3ak, hiszen els\u0151dlegesen a r\u00e1szorul\u00f3k sz\u00e1m\u00e1ra biztos\u00edtanak lakhat\u00e1st a k\u00f6ztulajdon\u00fa lak\u00e1sok. Az \u00f6nkorm\u00e1nyzati b\u00e9rlak\u00e1sok fenntart\u00e1sa mellett ide sorolhatjuk a b\u00e9rlak\u00e1sok b\u0151v\u00edt\u00e9s\u00e9t szolg\u00e1l\u00f3 programot \u00e9s a Nemzeti Eszk\u00f6zkezel\u0151 Programot, melyekre \u00f6sszesen k\u00f6zel 1700 milli\u00e1rd Ft-ot ford\u00edtott az \u00e1llam az elm\u00falt h\u00e1rom \u00e9vtizedben.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; animation_style=&#8221;bounce&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/hUZmlC3Nyywxpmsxr1Xj\" 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;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_accordion toggle_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;\u00c1llami t\u00e1mogat\u00e1s\u00fa b\u00e9rlak\u00e1sprogram&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221;]Az els\u0151 Orb\u00e1n-korm\u00e1ny alatt zajlott az \u00c1llami T\u00e1mogat\u00e1s\u00fa B\u00e9rlak\u00e1s Program. A k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s t\u00e1mogat\u00e1sainak seg\u00edts\u00e9g\u00e9vel lak\u00e1s\u00e9p\u00edt\u00e9sre, -v\u00e1s\u00e1rl\u00e1sra vagy -fel\u00faj\u00edt\u00e1sra (b\u00e9rlak\u00e1sok, fiatalok sz\u00e1m\u00e1ra lakhat\u00e1st biztos\u00edt\u00f3 \u201efecskeh\u00e1zak\u201d, id\u0151sotthonok, nyugd\u00edjash\u00e1zak) p\u00e1ly\u00e1zhattak \u00f6nkorm\u00e1nyzatok \u00e9s egyh\u00e1zak.<strong> 2008-ig nagyj\u00e1b\u00f3l 12-18 ezer lak\u00e1ssal, az akkori teljes \u00e1llom\u00e1ny 5-8%-\u00e1val b\u0151v\u00fclt a programnak k\u00f6sz\u00f6nhet\u0151en a k\u00f6ztulajdonban l\u00e9v\u0151 b\u00e9rlak\u00e1sok sz\u00e1ma<\/strong> (ebb\u0151l 3-4 ezer lak\u00e1s volt \u00faj\u00e9p\u00edt\u00e9s).<\/p>\n<div style=\"max-width: 750px; margin-left: auto; margin-right: auto;\"><div class=\"infogram-embed\" data-id=\"_\/ieWz49KvmNFevKwKbzeP\" 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><\/div>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;A Nemzeti Eszk\u00f6zkezel\u0151&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p>A lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151 devizahiteleseket seg\u00edtette a 2012-ben ind\u00edtott Nemzeti Eszk\u00f6zkezel\u0151 program. <strong>A j\u00f3l c\u00e9lzott program, nagyj\u00e1b\u00f3l 36 ezer r\u00e1szorul\u00f3 h\u00e1ztart\u00e1st tudott el\u00e9rni.<\/strong> A programba bel\u00e9p\u0151k lak\u00e1sai az \u00e1llam tulajdon\u00e1ba ker\u00fcltek, a kor\u00e1bbi tulajdonosok pedig b\u00e9rl\u0151k\u00e9nt otthonaikban maradhattak \u00e9s szoci\u00e1lis munk\u00e1sok is seg\u00edtett\u00e9k \u0151ket. A Nemzeti Eszk\u00f6zkezel\u0151 nyolc \u00e9v alatt k\u00f6r\u00fclbel\u00fcl 25%-kal n\u00f6velte a k\u00f6ztulajdonban l\u00e9v\u0151 b\u00e9rlak\u00e1sok sz\u00e1m\u00e1t 207 milli\u00e1rd forintb\u00f3l. <strong>A lak\u00e1sportf\u00f3li\u00f3 alapja lehetett volna egy \u00fajszer\u0171 \u00e1llami b\u00e9rlak\u00e1sprogramnak. 2019-ben lehet\u0151v\u00e9 tett\u00e9k a b\u00e9rl\u0151knek, hogy lak\u00e1saikat kedvezm\u00e9nyesen visszav\u00e1s\u00e1rolj\u00e1k<\/strong>, 2021-ben pedig a marad\u00e9k \u00e1llom\u00e1nyt \u2013 nagyj\u00e1b\u00f3l 4600 lak\u00e1st \u2013 a Magyar M\u00e1ltai Szeretetszolg\u00e1lat \u00e9s a Magyar Reform\u00e1tus Szeretetszolg\u00e1lat \u00e1ltal alap\u00edtott nonprofit szervezet tulajdon\u00e1ba adta az \u00e1llam.<\/p>\n<div style=\"max-width: 750px; margin-left: auto; margin-right: auto;\">\n<h5 style=\"text-align: center; padding-top: 1em;\">A Magyarorsz\u00e1g Korm\u00e1nya \u00e1ltal k\u00e9sz\u00edtett riport a Nemzeti Eszk\u00f6zkezel\u0151 programr\u00f3l<\/h5>\n<p><iframe loading=\"lazy\" title=\"T\u00f6bb ezer elad\u00f3sodott csal\u00e1don seg\u00edtett m\u00e1r a NET-program - riport\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/koMkxJCdlyo?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Lak\u00e1stulajdonhoz kapcsol\u00f3d\u00f3, szoci\u00e1lisan c\u00e9lzott t\u00e1mogat\u00e1sok<\/h4>\n<p>Az \u00e1br\u00e1n majdhogynem l\u00e1thatatlan csoportba tartozik a mozg\u00e1skorl\u00e1tozott szem\u00e9lyek lak\u00e1sv\u00e1s\u00e1rl\u00e1s\u00e1t, -\u00e9p\u00edt\u00e9s\u00e9t vagy -fel\u00faj\u00edt\u00e1s\u00e1t szolg\u00e1l\u00f3 akad\u00e1lymentes\u00edt\u00e9si t\u00e1mogat\u00e1s, az int\u00e9zeti ell\u00e1t\u00e1sb\u00f3l kiker\u00fcl\u0151 feln\u0151tt\u00e9 v\u00e1lt szem\u00e9lyek lak\u00e1shoz jut\u00e1s\u00e1t t\u00e1mogat\u00f3 Gyermekv\u00e9delmi Lak\u00e1salap \u00e9s jogel\u0151djei, valamint a rendszerv\u00e1lt\u00e1s el\u0151tti r\u00e1szorul\u00f3 lak\u00e1shitelesek megseg\u00edt\u00e9se a 2000-es \u00e9vek els\u0151 \u00e9vtized\u00e9ben.<\/p>\n<h4>Lak\u00e1stulajdonhoz kapcsol\u00f3d\u00f3, szoci\u00e1lisan nem c\u00e9lzott t\u00e1mogat\u00e1sok<\/h4>\n<p>Az \u00e1llam lak\u00e1sc\u00e9l\u00fa kiad\u00e1sainak gerinc\u00e9t ad\u00f3 t\u00e1mogat\u00e1sok tartoznak ide, a h\u00e1rom \u00e9vtized alatt k\u00f6zel \u00f6tvenf\u00e9le (!) eszk\u00f6zzel \u00e9s \u00f6sszesen t\u00f6bb mint 8700 milli\u00e1rd forint kiad\u00e1ssal. A t\u00e1mogat\u00e1sok k\u00f6z\u00f6tt tal\u00e1lhatunk vissza nem t\u00e9r\u00edtend\u0151eket, kamatt\u00e1mogat\u00e1sokat \u00e9s k\u00fcl\u00f6nb\u00f6z\u0151 eseti t\u00e1mogat\u00e1sokat is.<\/p>\n<p>[\/et_pb_text][et_pb_accordion toggle_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Szocpol \u00e9s CSOK&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221;]<\/p>\n<p>Az 1971\u20131995 k\u00f6z\u00f6tt hivatalosan \u201eszoci\u00e1lpolitikai kedvezm\u00e9nyk\u00e9nt\u201d (\u201eszocpol\u201d), majd \u201elak\u00e1s\u00e9p\u00edt\u00e9si kedvezm\u00e9nyk\u00e9nt\u201d, 2015 \u00f3ta pedig \u201ecsal\u00e1dok otthonteremt\u00e9si kedvezm\u00e9nyek\u00e9nt\u201d (CSOK) h\u00edvott k\u00f6zpolitikai eszk\u00f6z a gyermekes h\u00e1ztart\u00e1sok lak\u00e1s\u00e9p\u00edt\u00e9s\u00e9t (vagy -v\u00e1s\u00e1rl\u00e1s\u00e1t, esetleg -b\u0151v\u00edt\u00e9s\u00e9t) vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1ssal seg\u00edti. Olyan lak\u00e1spolitikai eszk\u00f6znek tekinthetj\u00fck, amelynek fontos n\u00e9pesed\u00e9spolitikai szerepe van a gyermekv\u00e1llal\u00e1s \u00f6szt\u00f6nz\u00e9s\u00e9n kereszt\u00fcl. <strong>A szocpol \u00e9s a CSOK jobban seg\u00edti az eleve jobb helyzetben l\u00e9v\u0151 h\u00e1ztart\u00e1sokat, mint a r\u00e1szorul\u00f3kat. Az elm\u00falt h\u00e1rom \u00e9vtizedben t\u00f6bb sz\u00e1zezer h\u00e1ztart\u00e1s r\u00e9szes\u00fclt ezekb\u0151l a t\u00e1mogat\u00e1sokb\u00f3l, ami 2020-as \u00e1rakon \u00f6sszesen k\u00f6zel 2000 milli\u00e1rd forint kiad\u00e1st jelentett a k\u00f6lts\u00e9gvet\u00e9s sz\u00e1m\u00e1ra.<\/strong><\/p>\n<div style=\"max-width: 750px; margin-left: auto; margin-right: auto;\">\n<h5 style=\"text-align: center; padding-top: 1em;\">A csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9ny indul\u00e1sa 2015-ben<\/h5>\n<p><iframe loading=\"lazy\" title=\"J\u00falius 1-j\u00e9vel indul az \u00faj otthonteremt\u00e9si program\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/BpMmQek88nQ?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Kamatt\u00e1mogatott hitelek&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p>A vizsg\u00e1lt id\u0151szakon v\u00e9gigh\u00faz\u00f3dik a mag\u00e1nlak\u00e1s\u00e9p\u00edt\u00e9sek \u00e9s -v\u00e1s\u00e1rl\u00e1sok \u00f6szt\u00f6nz\u00e9se kamatt\u00e1mogatott hitelekkel, \u00e1ltal\u00e1ban akkor, amikor a makrogazdas\u00e1gi k\u00f6rnyezet miatt am\u00fagy is kedvez\u0151bb a piaci helyzet. <strong>A rendszerv\u00e1lt\u00e1s ut\u00e1ni k\u00e9t lak\u00e1spiaci fellend\u00fcl\u00e9s sor\u00e1n<\/strong> (jelz\u00e1loghitelez\u00e9s az 1990-es \u00e9vek m\u00e1sodik fel\u00e9t\u0151l a 2008-as v\u00e1ls\u00e1gig, illetve a 2010-es \u00e9vek m\u00e1sodik fel\u00e9t\u0151l a CSOK-kieg\u00e9sz\u00edt\u0151 \u00e9s babav\u00e1r\u00f3 hitelek) <strong>t\u00f6bb mint f\u00e9lmilli\u00f3 \u00e1llamilag t\u00e1mogatott lak\u00e1shitel-szerz\u0151d\u00e9st k\u00f6t\u00f6ttek<\/strong>, ink\u00e1bb a tehet\u0151sebb h\u00e1ztart\u00e1sokat seg\u00edtve. Olyan id\u0151szakokban, amikor a c\u00e9lz\u00e1sa szoci\u00e1lisan \u00e9rz\u00e9kenyebb\u00e9 v\u00e1lt \u2013 p\u00e9ld\u00e1ul a 2000-es \u00e9vek k\u00f6zep\u00e9n \u2013, a szab\u00e1lyoz\u00e1si hi\u00e1nyoss\u00e1gok miatt a program ak\u00e1r a tervezettel ellent\u00e9tes hat\u00e1st is kifejthetett.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Lak\u00e1stakar\u00e9k-p\u00e9nzt\u00e1ri t\u00e1mogat\u00e1sok&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p>A lak\u00e1sc\u00e9l\u00fa megtakar\u00edt\u00e1sok \u00f6szt\u00f6nz\u00e9s\u00e9re az 1990-es \u00e9vek k\u00f6zep\u00e9n megalakultak a lak\u00e1stakar\u00e9k-p\u00e9nzt\u00e1rak. A lakoss\u00e1gi megtakar\u00edt\u00e1sokat az \u00e1llam t\u00e1mogat\u00e1ssal eg\u00e9sz\u00edtette ki, illetve a term\u00e9khez kedvezm\u00e9nyes hitel is kapcsol\u00f3dott. <strong>Az eszk\u00f6z a m\u00e1r megtakar\u00edt\u00e1sokkal rendelkez\u0151, vagy azokat felhalmozni k\u00e9pes h\u00e1ztart\u00e1sokat seg\u00edti mag\u00e1ntulajdon\u00fa lak\u00e1shoz jutni, vagy azokat korszer\u0171s\u00edteni.<\/strong> A 2010-es \u00e9vekben m\u00e1r \u00e1tlagosan a lakoss\u00e1g tizede rendelkezett lak\u00e1s-takar\u00e9kp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1ssal, ami a k\u00f6lts\u00e9gvet\u00e9s sz\u00e1m\u00e1ra is n\u00f6vekv\u0151 kiad\u00e1sokat jelentett. A 2018-t\u00f3l kivezetett programra az \u00e1llam \u00f6sszesen nagyj\u00e1b\u00f3l 900 milli\u00e1rd Ft-ot k\u00f6lt\u00f6tt a m\u00faltban \u00e9s k\u00f6lt a k\u00f6vetkez\u0151 \u00e9vekben.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;A \u201er\u00e9gi\u201d lak\u00e1shitelek kivezet\u00e9se&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p><strong>A rendszerv\u00e1lt\u00e1s t\u00f6rt\u00e9net\u00e9nek egyik ritk\u00e1n t\u00e1rgyalt momentuma az a lak\u00e1shitelv\u00e1ls\u00e1g,<\/strong> amely \u00e1llami t\u00e1mogat\u00e1s n\u00e9lk\u00fcl cs\u0151dbe juttathatta volna az akkor m\u00e9g \u00e1llami OTP Bankot az 1990-es \u00e9vek elej\u00e9n. A hossz\u00fa t\u00e1von r\u00f6gz\u00edtett, fix lak\u00e1shitelkamatok \u00e9s az infl\u00e1ci\u00f3 k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9get a k\u00f6lts\u00e9gvet\u00e9s finansz\u00edrozta, ami a k\u00e9tsz\u00e1mjegy\u0171 infl\u00e1ci\u00f3 miatt hatalmas terheket jelentett. 1990-ben a r\u00f6gz\u00edtett kamatokat elt\u00f6r\u00f6lt\u00e9k, a lak\u00e1shiteleket az \u00e1llam \u00e1tvette a p\u00e9nzint\u00e9zetekt\u0151l \u00e9s kedvezm\u00e9nyes visszafizet\u00e9si lehet\u0151s\u00e9get biztos\u00edtott az ad\u00f3soknak. A r\u00e9gi lak\u00e1shitelek kivezet\u00e9se m\u00e9g a 2010-es \u00e9vek k\u00f6zep\u00e9n is kiad\u00e1sokat jelentett az \u00e1llamnak, illetve az elm\u00falt h\u00e1rom \u00e9vtizedben a r\u00e9gi lak\u00e1shitelesek elad\u00f3sod\u00e1si probl\u00e9m\u00e1it is t\u00f6bbsz\u00f6r kellett eseti m\u00f3don kezelni.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Lak\u00e1sfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sok&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Szint\u00e9n a szoci\u00e1lisan nem c\u00e9lzott t\u00e1mogat\u00e1sok k\u00f6z\u00e9 soroljuk a lak\u00e1sfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sokat. A rendszerv\u00e1lt\u00e1st k\u00f6vet\u0151 h\u00e1rom \u00e9vtizedben nagyobb volumen\u0171 \u00e9p\u00fcletfel\u00faj\u00edt\u00e1si programok csak a lak\u00f3telepeket \u00e9rintett\u00e9k. A panelfel\u00faj\u00edt\u00e1si programokat 2000-ben az els\u0151 Orb\u00e1n-korm\u00e1ny ind\u00edtotta el, 2008-ig az els\u0151 nagyobb szakaszban t\u00f6bb mint 127 ezer lak\u00e1s \u00fajult meg. <strong>A panelprogramok t\u00f6bb sz\u00e1zezer h\u00e1ztart\u00e1s lak\u00e1sk\u00f6r\u00fclm\u00e9nyein jav\u00edtottak, azonban \u00f6sszess\u00e9g\u00e9ben a lak\u00e1sfel\u00faj\u00edt\u00e1sokra sz\u00e1nt k\u00f6zpolitikai figyelem a probl\u00e9ma s\u00faly\u00e1hoz k\u00e9pest t\u00fal kicsi.<\/strong> Szoci\u00e1lis alap\u00fa c\u00e9lz\u00e1s sem a panelprogramokban nem volt, sem a 2021-ben indult otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sban nincsen; ezek az eszk\u00f6z\u00f6k a tehet\u0151sebb h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra \u00e9rhet\u0151k el.<\/p>\n<div style=\"max-width: 750px; margin-left: auto; margin-right: auto;\">\n<h5 style=\"text-align: center; padding-top: 1em;\">Panelfel\u00faj\u00edt\u00e1s Gy\u0151rben a 2010-es \u00e9vekben<\/h5>\n<p><iframe loading=\"lazy\" title=\"D\u00fcb\u00f6r\u00f6g a panelprogram\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/VaEdE2zPh8k?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Lakhat\u00e1si energiak\u00f6lts\u00e9gek t\u00e1mogat\u00e1sa<\/h4>\n<p><strong>A \u201erezsiharc\u201d nemcsak a 2010-es \u00e9vek k\u00f6zep\u00e9t\u0151l v\u00e1lt a politikai k\u00f6zbesz\u00e9d t\u00e9m\u00e1j\u00e1v\u00e1, hanem v\u00e9gigk\u00eds\u00e9rte az elm\u00falt h\u00e1rom \u00e9vtized k\u00f6zpolitikai vit\u00e1it.<\/strong> Az 1990-es \u00e9vek elej\u00e9n \u00e1ltal\u00e1nos (szoci\u00e1lisan nem c\u00e9lzott) fogyaszt\u00f3i \u00e1rkieg\u00e9sz\u00edt\u00e9sek voltak a h\u00e1ztart\u00e1si energia\u00e1rak t\u00e1mogat\u00e1s\u00e1ra, majd \u00e9venk\u00e9nti d\u00f6nt\u00e9sekkel, esetileg \u00e9s rosszul c\u00e9lzott m\u00f3don t\u00e1mogatt\u00e1k a rezsik\u00f6lts\u00e9geket. Ezeket v\u00e1ltotta fel 2003-ban, a f\u00f6ldg\u00e1zell\u00e1t\u00e1s piacos\u00edt\u00e1sa ut\u00e1n, az egys\u00e9ges f\u00f6ldg\u00e1z- \u00e9s t\u00e1vh\u0151-\u00e1rt\u00e1mogat\u00e1s, amely kezdetben szoci\u00e1lisan nem c\u00e9lzott t\u00e1mogat\u00e1s volt, 2007-t\u0151l viszont szoci\u00e1lis alapon j\u00e1r\u00f3 t\u00e1mogat\u00e1ss\u00e1 alak\u00edtott\u00e1k \u00e1t. A t\u00e1mogat\u00e1si rendszert az Orb\u00e1n-korm\u00e1ny 2010 ut\u00e1n megsz\u00fcntette, az alacsony h\u00e1ztart\u00e1si energia\u00e1rakat k\u00f6zvetlen \u00e1rszab\u00e1lyoz\u00e1ssal biztos\u00edtja (\u201erezsics\u00f6kkent\u00e9s\u201d), ami nem j\u00e1r k\u00f6zvetlen\u00fcl k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1ssal. <strong>A lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151k k\u00f6z\u00fcl valamennyi t\u00e1mogat\u00e1si form\u00e1b\u00f3l kiszorultak azok, akik nem g\u00e1zzal f\u0171tenek.<\/strong><\/p>\n<p>A lakhat\u00e1si energiak\u00f6lts\u00e9gek t\u00e1mogat\u00e1sa v\u00e1ltoz\u00f3 s\u00falyt k\u00e9pviselt a lakhat\u00e1si c\u00e9l\u00fa kiad\u00e1sok k\u00f6z\u00f6tt a h\u00e1rom \u00e9vtized sor\u00e1n, de \u00f6sszess\u00e9g\u00e9ben 1400 milli\u00e1rd Ft feletti kiad\u00e1st jelentett.<\/p>\n<h4>Lakhat\u00e1si k\u00f6lts\u00e9gek szoci\u00e1lisan c\u00e9lzott t\u00e1mogat\u00e1sa<\/h4>\n<p>Ebbe, az \u00e1br\u00e1n szint\u00e9n majdnem l\u00e1thatatlan, csoportba azok a p\u00e9nzbeli szoci\u00e1lis ell\u00e1t\u00e1sok tartoznak, amelyek lakhat\u00e1si c\u00e9lt szolg\u00e1lnak vagy szolg\u00e1ltak. Az al\u00e1bb bemutatott eszk\u00f6z\u00f6k mellett az \u00e1tmeneti seg\u00e9lyre ford\u00edtott \u00f6sszegeket, a 2015 ut\u00e1n a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s helyett bevezetett telep\u00fcl\u00e9si t\u00e1mogat\u00e1st \u00e9s a szoci\u00e1lis t\u00fczel\u0151anyag-t\u00e1mogat\u00e1st soroltuk ide az ismertebb eszk\u00f6z\u00f6k k\u00f6z\u00fcl.<\/p>\n<p>[\/et_pb_text][et_pb_accordion toggle_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;A lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221;]<\/p>\n<p><strong>A rendszerv\u00e1lt\u00e1s \u00f3ta eltelt h\u00e1rom \u00e9vtizedben a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s volt szinte az egyetlen sok \u00e9ven \u00e1t el\u00e9rhet\u0151, kifejezetten a r\u00e1szorultaknak sz\u00e1nt, j\u00f6vedelemalapon c\u00e9lzott lakhat\u00e1si t\u00e1mogat\u00e1s.<\/strong> Az 1993-ban bevezetett t\u00e1mogat\u00e1st az \u00f6nkorm\u00e1nyzatok ny\u00fajtott\u00e1k saj\u00e1t forr\u00e1sb\u00f3l \u00e9s saj\u00e1t hat\u00e1sk\u00f6rben meghat\u00e1rozott jogosults\u00e1g alapj\u00e1n. A lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s viszonylag sok embert \u00e9rt el, de biztosan nem \u00e9rte el az \u00f6sszes r\u00e1szorul\u00f3t, k\u00fcl\u00f6n\u00f6sen a kistelep\u00fcl\u00e9seken \u00e9l\u0151ket. 2004-t\u0151l a t\u00e1mogat\u00e1st egys\u00e9ges szab\u00e1lyok alapj\u00e1n, a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9sb\u0151l finansz\u00edrozt\u00e1k, a 2008-as v\u00e1ls\u00e1g ut\u00e1n 4-500 ezer ember sz\u00e1m\u00e1ra foly\u00f3s\u00edtottak t\u00e1mogat\u00e1st \u00e9vente. 2010 ut\u00e1n a m\u00e1sodik Orb\u00e1n-korm\u00e1ny t\u00f6bb r\u00e9szletszab\u00e1ly m\u00f3dos\u00edt\u00e1s\u00e1val egyenl\u0151tlenebb\u00e9 tette a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1s eloszt\u00e1s\u00e1t, majd 2015-ben megsz\u00fcntette, ezzel neh\u00e9z helyzetbe hozva els\u0151sorban a szeg\u00e9nyebb telep\u00fcl\u00e9seket \u00e9s a m\u00e9lyszeg\u00e9nys\u00e9gben \u00e9l\u0151ket.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Az ad\u00f3ss\u00e1gcs\u00f6kkent\u00e9si t\u00e1mogat\u00e1s&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; open=&#8221;off&#8221;]<\/p>\n<p><strong>Az elm\u00falt harminc \u00e9vben az ad\u00f3ss\u00e1gcs\u00f6kkent\u00e9si t\u00e1mogat\u00e1st tekinthetj\u00fck a m\u00e1sik legjelent\u0151sebb, kifejezetten (lak\u00e1s)szeg\u00e9nys\u00e9gben \u00e9l\u0151 n\u00e9pess\u00e9get c\u00e9lz\u00f3 k\u00f6zpolitikai eszk\u00f6znek.<\/strong> Az 1990-es \u00e9vek mintaprogramjainak tapasztalatai alapj\u00e1n 2003-ban h\u00e1rompill\u00e9r\u0171 rendszert hoztak l\u00e9tre, ahol az ad\u00f3ss\u00e1gcs\u00f6kkent\u00e9si t\u00e1mogat\u00e1st (melynek 90%-\u00e1t a k\u00f6zponti k\u00f6lts\u00e9gvet\u00e9s \u00e1llta) ad\u00f3ss\u00e1gkezel\u00e9si tan\u00e1csad\u00e1s \u00e9s a lak\u00e1sfenntart\u00e1si t\u00e1mogat\u00e1sra val\u00f3 jogosults\u00e1g eg\u00e9sz\u00edtette ki. <strong>\u00cdgy az egyszeri p\u00e9nzbeli seg\u00edts\u00e9get megt\u00e1mogatta a szakmai seg\u00edts\u00e9g \u00e9s a foly\u00f3 kiad\u00e1sok m\u00e9rs\u00e9kl\u00e9se.<\/strong> A 2010-es \u00e9vek elej\u00e9n m\u00e1r k\u00f6zel \u00e9vi 20 ezer h\u00e1ztart\u00e1s tudta ig\u00e9nybe venni ezt a t\u00e1mogat\u00e1si form\u00e1t, a k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok viszont m\u00e9rs\u00e9keltek voltak \u00e9s a r\u00e1szorul\u00f3k jelent\u0151s r\u00e9sze kiszorult a jogosultak k\u00f6z\u00fcl. A korm\u00e1ny szint\u00e9n 2015-ben sz\u00fcntette meg ezt a t\u00e1mogat\u00e1si form\u00e1t.<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/jKnjH5WVYgbtV6XwaTBA\" 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<h4>P\u00e9nzint\u00e9zetek lakhat\u00e1si eszk\u00f6z\u00f6kkel kapcsolatos t\u00e1mogat\u00e1sai<\/h4>\n<p>Visszat\u00e9r\u0151 eleme a magyar lakhat\u00e1si eszk\u00f6zrendszernek, hogy az \u00e1llam megt\u00e9r\u00edtette a p\u00e9nzint\u00e9zetek sz\u00e1m\u00e1ra a hitelek \u00e9s t\u00e1mogat\u00e1sok foly\u00f3s\u00edt\u00e1s\u00e1b\u00f3l sz\u00e1rmaz\u00f3 t\u00f6bbletk\u00f6lts\u00e9geket, a p\u00e9nzint\u00e9zetek bizonyos kiad\u00e1saikra el\u0151leget kaphattak, illetve az \u00e1llam \u00e1llt helyt bizonyos nem behajthat\u00f3 lak\u00e1shitelek eset\u00e9ben. Neh\u00e9z meg\u00edt\u00e9lni ugyanakkor, hogy ezek a kiad\u00e1sok mennyiben n\u00f6velt\u00e9k a p\u00e9nzint\u00e9zetek profitj\u00e1t, azaz a t\u00e1mogat\u00e1sok mennyiben \u201esziv\u00e1rogtak el\u201d.<\/p>\n<h4>\u00d6sszefoglal\u00e1s<\/h4>\n<p>A legfontosabb lak\u00e1spolitikai eszk\u00f6z\u00f6kre ford\u00edtott kiad\u00e1sokat \u00e9s az \u00e1ltaluk nagys\u00e1grendileg el\u00e9rt lakoss\u00e1g sz\u00e1m\u00e1t az al\u00e1bbi t\u00e1bl\u00e1zat \u00e9s \u00e1bra mutatja be. A korm\u00e1nyzat k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1saiban a szoci\u00e1lisan nem c\u00e9lzott kiad\u00e1sok ar\u00e1nya \u00f6sszess\u00e9g\u00e9ben legal\u00e1bb k\u00e9tharmad volt az elm\u00falt h\u00e1rom \u00e9vtizedben. Egy\u00e9rtelm\u0171en l\u00e1tszik 1990 ut\u00e1n az \u00e1llam kivonul\u00e1sa a lakhat\u00e1s finansz\u00edroz\u00e1s\u00e1b\u00f3l, amelyet nem p\u00f3tolt a mag\u00e1ntulajdonhoz jut\u00e1s t\u00e1mogat\u00e1s\u00e1nak egyik form\u00e1ja sem.<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/9mVxqOB9cHIQ7gicBulI\" 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<h3>3. Egy\u00e9b lakhat\u00e1si kiad\u00e1sok<\/h3>\n<p>\u00d6ssze\u00e1ll\u00edt\u00e1sunkb\u00f3l m\u00f3dszertani vagy adathozz\u00e1f\u00e9r\u00e9si okokb\u00f3l kimaradt n\u00e9h\u00e1ny fontosabb, a h\u00e1rom \u00e9vtizedben \u00e1lland\u00f3 vagy eseti k\u00f6zvetlen k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1s vagy k\u00f6zvetett t\u00e1mogat\u00e1s.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> <strong>A szoci\u00e1lisan c\u00e9lzott lakhat\u00e1si kiad\u00e1sok k\u00f6z\u00f6tt kiemelked\u0151 fontoss\u00e1g\u00faak az \u00e9rintettek sz\u00e1m\u00e1ra a szoci\u00e1lis ell\u00e1t\u00e1s keret\u00e9ben ny\u00fajtott tart\u00f3s \u00e9s \u00e1tmeneti bentlak\u00e1st biztos\u00edt\u00f3 int\u00e9zm\u00e9nyek<\/strong> (k\u00f6zt\u00fck a hajl\u00e9ktalan emberek sz\u00e1ll\u00f3i). Az int\u00e9zm\u00e9nyi finansz\u00edroz\u00e1s folyamatosan v\u00e1ltozott az elm\u00falt h\u00e1rom \u00e9vtizedben.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> A hajl\u00e9ktalan emberek nem bentlak\u00e1sos t\u00e1mogat\u00e1sa szint\u00e9n lakhat\u00e1si kiad\u00e1snak mondhat\u00f3k \u00e9s nehezen \u00f6sszes\u00edthet\u0151k.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> A lakhat\u00e1st biztos\u00edt\u00f3 int\u00e9zm\u00e9nyek k\u00f6vetkez\u0151 nagyobb csoportj\u00e1t a <strong>koll\u00e9giumi ell\u00e1t\u00e1s<\/strong> adja a k\u00f6zoktat\u00e1sban \u00e9s a fels\u0151oktat\u00e1sban, amely 1998-t\u00f3l eg\u00e9sz\u00fclt ki a lakhat\u00e1si t\u00e1mogat\u00e1ssal azok sz\u00e1m\u00e1ra, akik nem jutottak koll\u00e9giumi f\u00e9r\u0151helyhez.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> Szint\u00e9n nem tartalmazza \u00f6ssze\u00e1ll\u00edt\u00e1sunk a k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sokr\u00f3l <a href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/a-lakhatasi-szegenyseg-csokkentesenek-europai-unios-keretei\/\" target=\"_blank\" rel=\"noopener\"><strong>az eur\u00f3pai uni\u00f3s finansz\u00edroz\u00e1sban megval\u00f3sul\u00f3 programokat<\/strong><\/a>, amelyeknek lakhat\u00e1si vonatkoz\u00e1sai is vannak.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> K\u00f6zvetetten jelentenek kiad\u00e1sokat a k\u00f6lts\u00e9gvet\u00e9s sz\u00e1m\u00e1ra <strong>a lak\u00e1stulajdonl\u00e1shoz kapcsol\u00f3d\u00f3 ad\u00f3- \u00e9s illet\u00e9kkedvezm\u00e9nyek. Ezek forr\u00e1sokat csatorn\u00e1znak ki a lak\u00e1srendszer \u00e1llami m\u0171k\u00f6dtet\u00e9s\u00e9b\u0151l \u00e9s a lak\u00e1stulajdonnal nem rendelkez\u0151k t\u00e1mogat\u00e1s\u00e1b\u00f3l, valamint r\u00e9szben a befektet\u00e9si c\u00e9l\u00fa ingatlanv\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra juttatnak kedvezm\u00e9nyeket.<\/strong> Az 1990-es \u00e9vek elej\u00e9n az ad\u00f3- \u00e9s illet\u00e9kkedvezm\u00e9nyek, valamint m\u00e1s hasonl\u00f3 burkolt t\u00e1mogat\u00e1sok ar\u00e1ny\u00e1t az \u00f6sszes lak\u00e1sc\u00e9l\u00fa kiad\u00e1son bel\u00fcl egyharmadra tett\u00e9k a szak\u00e9rt\u0151i becsl\u00e9sek. 2012 \u00e9s 2022 k\u00f6z\u00f6tt pedig \u00f6sszess\u00e9g\u00e9ben 639 milli\u00e1rd Ft-ra becs\u00fclte a P\u00e9nz\u00fcgyminiszt\u00e9rium a kies\u0151 illet\u00e9kbev\u00e9teleket, de kies\u0151 bev\u00e9telt jelentett a lak\u00e1sv\u00e1s\u00e1rl\u00e1si \u00e1fakedvezm\u00e9ny is.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]A lakhat\u00e1si szeg\u00e9nys\u00e9g akkor m\u00e9rs\u00e9kelhet\u0151 eredm\u00e9nyesen k\u00f6zpolitikai beavatkoz\u00e1sokkal, ha a h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra a lakhat\u00e1s megfizethet\u0151s\u00e9ge javul. <strong>Megfizethet\u0151nek mondjuk a lakhat\u00e1st, ha a h\u00e1ztart\u00e1s egy \u201et\u00e1rsadalmi szinten elfogadhat\u00f3\u201d lak\u00e1s k\u00f6lts\u00e9geit ki tudja fizetni.<\/strong> A vizsg\u00e1lt h\u00e1rom \u00e9vtizedben \u00e1talakult, hogy mit tart a magyar t\u00e1rsadalom \u201eelfogadhat\u00f3\u201d lakhat\u00e1snak, \u00edgy neh\u00e9z hossz\u00fa id\u0151t\u00e1von is \u00e9rv\u00e9nyes megfizethet\u0151s\u00e9gi mutat\u00f3sz\u00e1mokat tal\u00e1lni. Ebben a r\u00e9szben a lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9t hat megk\u00f6zel\u00edt\u00e9sben vizsg\u00e1ljuk.<\/p>\n<h3 style=\"padding-top:1em;\">1. Kiknek \u00e9s mennyire megfizethet\u0151 a lak\u00e1sv\u00e1s\u00e1rl\u00e1s?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]A mag\u00e1ntulajdon\u00fa lakhat\u00e1s magyarorsz\u00e1gi magas ar\u00e1nya miatt a lak\u00e1sv\u00e1s\u00e1rl\u00e1s lehet\u0151s\u00e9ge kulcsfontoss\u00e1g\u00fa a lakhat\u00e1s megfizethet\u0151s\u00e9ge szempontj\u00e1b\u00f3l. A lakhat\u00e1si szeg\u00e9nys\u00e9g akkor cs\u00f6kken e megk\u00f6zel\u00edt\u00e9s szerint, ha a h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra \u201eolcs\u00f3bb\u201d lesz a lak\u00e1sv\u00e1s\u00e1rl\u00e1s, illetve ha a h\u00e1ztart\u00e1sok sz\u00e9lesebb k\u00f6re sz\u00e1m\u00e1ra v\u00e1lik el\u00e9rhet\u0151v\u00e9.<\/p>\n<p><strong>Az elm\u00falt h\u00e1rom \u00e9vtizedben v\u00e1ls\u00e1gid\u0151szakokban javult a lak\u00e1sv\u00e1s\u00e1rl\u00e1s megfizethet\u0151s\u00e9ge, a fel\u00edvel\u0151 id\u0151szakokban viszont romlott.<\/strong> A javul\u00e1st az al\u00e1bbi \u00e1br\u00e1n az mutatja, ha a lak\u00e1s\u00e1rak gyorsabban cs\u00f6kkennek, mint a j\u00f6vedelmek (1990-es \u00e9vek eleje, a 2008-as v\u00e1ls\u00e1g ut\u00e1ni \u00e9vek) vagy a j\u00f6vedelmek gyorsabban n\u0151nek, mint a lak\u00e1s\u00e1rak (2003 \u00e9s 2005 k\u00f6z\u00f6tt).<\/p>\n<p><strong>Az \u00e1tlagos j\u00f6vedelmek \u00e9s az \u00e1tlagos lak\u00e1s\u00e1rak \u00e1br\u00e1n l\u00e1that\u00f3 viszonya nem k\u00e9pezi le a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k probl\u00e9m\u00e1it<\/strong>, akiknek a j\u00f6vedelme j\u00f3r\u00e9szt az \u00e1tlagosn\u00e1l alacsonyabb, \u00e9s akik csak alacsonyabb \u00e1r\u00fa, rosszabb min\u0151s\u00e9g\u0171 vagy kedvez\u0151tlenebb adotts\u00e1g\u00fa lak\u00e1sokat engedhetnek meg maguknak \u2013 ha egy\u00e1ltal\u00e1n. Az 1990-es \u00e9vekben egy \u00e1tlagos h\u00e1ztart\u00e1s 4-6 \u00e9vi j\u00f6vedelme volt sz\u00fcks\u00e9ges ahhoz, hogy egy \u00e1tlagos lak\u00e1st megv\u00e1s\u00e1roljon. A legals\u00f3 j\u00f6vedelmi \u00f6t\u00f6dbe tartoz\u00f3knak 1993-ban 24 \u00e9vi teljes j\u00f6vedelm\u00fckbe ker\u00fclt volna egy \u00e1tlagos budapesti lak\u00e1s megv\u00e1s\u00e1rl\u00e1sa. 2020-ban megy\u00e9t\u0151l f\u00fcgg\u0151en 3-11 \u00e9vnyi j\u00f6vedelemre volt sz\u00fcks\u00e9g egy 60 n\u00e9gyzetm\u00e9teres lak\u00e1s megv\u00e1s\u00e1rl\u00e1s\u00e1hoz.<\/p>\n<p><strong>Az alacsonyabb lak\u00e1s\u00e1rakat \u00e9s a megfizethet\u0151bb lakhat\u00e1st lak\u00e1s\u00e9p\u00edt\u00e9sekkel nem lehet el\u00e9rni.<\/strong> Az 1990-es \u00e9vek v\u00e9g\u00e9n \u00e9s a 2000-es \u00e9vek elej\u00e9n az \u00fajlak\u00e1s\u00e9p\u00edt\u00e9sek megdupl\u00e1z\u00f3dtak, a lak\u00e1sv\u00e1s\u00e1rl\u00e1sok sz\u00e1ma emelkedett, b\u0151v\u00fcltek a lak\u00e1st\u00e1mogat\u00e1sok, mik\u00f6zben a megfizethet\u0151s\u00e9g romlott. A 2010-es \u00e9vek m\u00e1sodik fel\u00e9t\u0151l a lak\u00e1st\u00e1mogat\u00e1sok \u00e9s a j\u00f6vedelmek n\u00f6vekedtek, az Orb\u00e1n-korm\u00e1nyok k\u00fcl\u00f6nb\u00f6z\u0151 eszk\u00f6z\u00f6kkel igyekeznek \u00e9l\u00e9nk\u00edteni az \u00fajlak\u00e1s\u00e9p\u00edt\u00e9st, viszont a lak\u00e1s\u00e1rak megfizethet\u0151s\u00e9ge romlik.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; sticky_position=&#8221;top&#8221; 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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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"padding-top: 1em;\">2. Megfizethet\u0151k-e a lakhat\u00e1si k\u00f6lts\u00e9gek a h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A lakhat\u00e1si k\u00f6lts\u00e9gek megfizethet\u0151s\u00e9ge azt mutatja meg, hogy a h\u00e1ztart\u00e1sok lakhat\u00e1si kiad\u00e1sai mekkora r\u00e9szt k\u00e9pviselnek a j\u00f6vedelm\u00fckb\u0151l. Az Eurostat defin\u00edci\u00f3ja szerint a lakhat\u00e1s akkor megfizethet\u0151, ha egy h\u00e1ztart\u00e1s a rendelkez\u00e9sre \u00e1ll\u00f3 j\u00f6vedelm\u00e9nek kevesebb mint 40%-\u00e1t k\u00f6lti lakhat\u00e1sra.<\/p>\n<p>Az 1980-as \u00e9vek 10%-\u00e1r\u00f3l az 1990-es \u00e9vek k\u00f6zep\u00e9re dupl\u00e1j\u00e1ra n\u00f6vekedett a lakhat\u00e1si kiad\u00e1sok ar\u00e1nya a j\u00f6vedelmekb\u0151l. <strong>A legals\u00f3 j\u00f6vedelmi \u00f6t\u00f6dben a rezsi, a lakb\u00e9r \u00e9s a t\u00f6rleszt\u00e9s a h\u00e1ztart\u00e1si j\u00f6vedelmek 42%-\u00e1t tett\u00e9k ki 1993-ban.<\/strong> A lak\u00e1sfenntart\u00e1si k\u00f6lts\u00e9gek a 2000-es \u00e9s a 2010-es \u00e9vekben a h\u00e1ztart\u00e1sok j\u00f6vedelm\u00e9nek nagyj\u00e1b\u00f3l 20-25%-\u00e1t tett\u00e9k ki. Az \u00e9vezred elej\u00e9n m\u00e9g a t\u00e1rsadalom legszeg\u00e9nyebb \u00f6t\u00f6d\u00e9be tartoz\u00f3k 40%-a, a 2010-es \u00e9vek v\u00e9g\u00e9n m\u00e1r csak a 20%-a k\u00f6lt\u00f6tte a j\u00f6vedelm\u00e9nek t\u00f6bb mint 40%-\u00e1t lakhat\u00e1sra. \u00cdgy <strong>a 2010-es \u00e9vekben a lakhat\u00e1si k\u00f6lts\u00e9gek megfizethet\u0151s\u00e9ge javult a legszeg\u00e9nyebb h\u00e1ztart\u00e1sokban.<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; 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Kiket \u00e9s milyen m\u00e9rt\u00e9kben \u00e9rint az energiaszeg\u00e9nys\u00e9g?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Az el\u0151z\u0151 megk\u00f6zel\u00edt\u00e9shez k\u00e9pest sz\u0171kebben \u00e9rtelmezve a megfizethet\u0151s\u00e9get, vizsg\u00e1lhatjuk azt is, hogy a h\u00e1ztart\u00e1sok ki tudj\u00e1k-e fizetni a lakhat\u00e1s energiak\u00f6lts\u00e9geit.<\/p>\n<p>Az 1990-es \u00e9vek elej\u00e9n s\u00falyos probl\u00e9m\u00e1t jelentett a h\u00e1ztart\u00e1si energiak\u00f6lts\u00e9gek kifizet\u00e9se: 1993-ban a lakoss\u00e1g k\u00f6zel harmada a sz\u00fcks\u00e9gesn\u00e9l kevesebbet f\u0171t\u00f6tt vagy csak a lak\u00e1s egy r\u00e9sz\u00e9t f\u0171t\u00f6tte. Foly\u00f3 \u00e1ron <strong>1987 \u00e9s 1997 k\u00f6z\u00f6tt az energia\u00e1rak tizenn\u00e9gyszeres\u00fckre, a fogyaszt\u00f3i \u00e1rak nyolcszorosukra, a j\u00f6vedelmek viszont csak \u00f6tsz\u00f6r\u00f6s\u00fckre emelkedtek.<\/strong> A korm\u00e1nyok a f\u0171t\u00e9si k\u00f6lts\u00e9gek t\u00e1mogat\u00e1s\u00e1val igyekeztek m\u00e9rs\u00e9kelni a h\u00e1ztart\u00e1sok terheit. A 2000-es \u00e9vek m\u00e1sodik fel\u00e9ben a f\u0171t\u00e9s megfizethet\u0151s\u00e9ge javult, \u00edgy az energiaszeg\u00e9nys\u00e9g cs\u00f6kkent, majd a 2008-as v\u00e1ls\u00e1g ut\u00e1n ism\u00e9t meredeken n\u00f6vekedett, k\u00fcl\u00f6n\u00f6sen a szeg\u00e9nyebb h\u00e1ztart\u00e1sok k\u00f6r\u00e9ben. <strong>A 2010-es \u00e9vek m\u00e1sodik fel\u00e9ben valamennyi j\u00f6vedelmi csoport k\u00f6r\u00e9ben javultak egyes energiaszeg\u00e9nys\u00e9gi mutat\u00f3k, ami els\u0151sorban a rezsics\u00f6kkent\u00e9snek k\u00f6sz\u00f6nhet\u0151.<\/strong><\/p>\n<p>Az energetikai c\u00e9l\u00fa lak\u00e1sfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1sok az elm\u00falt h\u00e1rom \u00e9vtizedben nem tudtak \u00e1tt\u00f6r\u00e9st el\u00e9rni az energiaszeg\u00e9nys\u00e9g cs\u00f6kkent\u00e9s\u00e9ben. <strong>A mindenkori korm\u00e1nyok az egyszer\u0171bb, r\u00f6vid t\u00e1v\u00fa \u00e9s r\u00f6vid t\u00e1von politikai haszonnal kecsegtet\u0151 energia\u00e1rakba val\u00f3 beavatkoz\u00e1st r\u00e9szes\u00edtett\u00e9k el\u0151nyben a hosszabb t\u00e1von energiamegtakar\u00edt\u00e1st jelent\u0151 programokkal szemben.<\/strong> Az eur\u00f3pai uni\u00f3s \u00e9s a hazai kl\u00edmac\u00e9lok teljes\u00edt\u00e9se is nehezen \u00f6sszeegyeztethet\u0151 a rezsics\u00f6kkent\u00e9s alapgondolat\u00e1val.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; 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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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; z_index_tablet=&#8221;500&#8243; 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box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"padding-top: 1em;\">4. Mekkor\u00e1k a lakb\u00e9rek a mag\u00e1npiacon \u00e9s az \u00f6nkorm\u00e1nyzati tulajdon\u00fa b\u00e9rlak\u00e1sokban?<\/h3>\n<p>A lak\u00e1st b\u00e9rl\u0151k k\u00f6r\u00e9ben m\u00e1s megfizethet\u0151s\u00e9gi \u00e9s probl\u00e9m\u00e1k jelentkeznek, mint a lak\u00e1stulajdonosok k\u00f6r\u00e9ben. A mag\u00e1nb\u00e9rleti piac sokak sz\u00e1m\u00e1ra nem vagy nehezen megfizethet\u0151, ami a lakhat\u00e1si szeg\u00e9nys\u00e9g n\u00f6veked\u00e9s\u00e9t mutathatja. Mivel az \u00f6nkorm\u00e1nyzati b\u00e9rlak\u00e1sokban \u00e9l\u0151k ide\u00e1lis esetben r\u00e1szorul\u00f3k, ez\u00e9rt az \u00f6nkorm\u00e1nyzati lakb\u00e9rek elemz\u00e9se utalhat a lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9re.<\/p>\n<p>1995 \u00e9s 2016 k\u00f6z\u00f6tt az \u00f6nkorm\u00e1nyzati lakb\u00e9rek t\u00f6bb mint k\u00e9tszer gyorsabban emelkedtek, mint a fogyaszt\u00f3i \u00e1rak, a 2010-es \u00e9vekben viszont az emelked\u00e9s meg\u00e1llt. Mindek\u00f6zben az \u00f6nkorm\u00e1nyzati lak\u00e1sokban \u00e9l\u0151k k\u00f6re egyre ink\u00e1bb a szeg\u00e9nyebb h\u00e1ztart\u00e1sok ir\u00e1ny\u00e1ba tol\u00f3dott el. <strong>A jelenlegi lakb\u00e9rek mellett az \u00f6nkorm\u00e1nyzatok lak\u00e1s\u00e1llom\u00e1nya folyamatosan vesz\u00edt az \u00e9rt\u00e9k\u00e9b\u0151l, a lak\u00e1sok fel\u00faj\u00edt\u00e1s\u00e1ra nem jut elegend\u0151 forr\u00e1s \u2013 viszont a lakb\u00e9rek megfizethet\u0151s\u00e9get nem vesz\u00e9lyeztet\u0151 emel\u00e9s\u00e9re rendk\u00edv\u00fcl sz\u0171k a mozg\u00e1st\u00e9r.<\/strong><\/p>\n<p>A mag\u00e1nb\u00e9rleti piac folyamatair\u00f3l \u00e9s lakb\u00e9reir\u0151l, \u00edgy a mag\u00e1nb\u00e9rletben \u00e9l\u0151k megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1ir\u00f3l kev\u00e9s megb\u00edzhat\u00f3 adat \u00e9s kutat\u00e1s \u00e1ll rendelkez\u00e9sre. A rendszerv\u00e1lt\u00e1s ut\u00e1ni k\u00e9t \u00e9vtizedben felt\u00e9telezhet\u0151, hogy a mag\u00e1nb\u00e9rleti piac lakb\u00e9rei a lak\u00e1stulajdonl\u00e1s lehet\u0151s\u00e9g\u00e9b\u0151l kiszorul\u00f3 h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra egyre kev\u00e9sb\u00e9 voltak megfizethet\u0151k. <strong>A 2010-es \u00e9vekben a mag\u00e1nb\u00e9rleti piacon nagyj\u00e1b\u00f3l k\u00e9tszeres\u00fckre emelkedtek a lakb\u00e9rek, \u00e9s az emelked\u00e9s csak a koronav\u00edrus-v\u00e1ls\u00e1g sor\u00e1n \u00e1llt meg \u00e1tmenetileg.<\/strong><\/p>\n<h3 style=\"padding-top:1em;\">5. Mekkora a h\u00e1ztart\u00e1sok elad\u00f3sodotts\u00e1ga a lakhat\u00e1s ter\u00e9n?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A h\u00e1tral\u00e9koss\u00e1g \u00e9s az elad\u00f3sod\u00e1s egyr\u00e9szt a lak\u00e1srendszer \u00e1ltal\u00e1nos probl\u00e9m\u00e1ira utal (p\u00e9ld\u00e1ul, ha a h\u00e1ztart\u00e1sok k\u00f6z\u00fcl t\u00fals\u00e1gosan sokan csak lak\u00e1shitelekkel tudnak megfelel\u0151 lakhat\u00e1shoz jutni), m\u00e1sr\u00e9szt a gazdas\u00e1gi v\u00e1ls\u00e1gok id\u0151szak\u00e1ban id\u0151szakosan is megjelenhetnek olyan lakhat\u00e1si megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k, amelyek elad\u00f3sodotts\u00e1ghoz \u00e9s h\u00e1tral\u00e9koss\u00e1ghoz vezetnek. <strong>A lakhat\u00e1si h\u00e1tral\u00e9koss\u00e1gban a szeg\u00e9nyebb h\u00e1ztart\u00e1sok k\u00f6r\u00e9ben nagyobb kileng\u00e9sek vannak a gazdas\u00e1gi ciklusok sor\u00e1n, mint a t\u00e1rsadalom eg\u00e9sz\u00e9ben.<\/strong><\/p>\n<p>Az 1990-es \u00e9vekben a kor\u00e1bbi lak\u00e1shitelek egy r\u00e9sz\u00e9t \u00f6sszetett int\u00e9zked\u00e9ssorozattal kivezett\u00e9k, viszont tov\u00e1bbra is volt h\u00e1tral\u00e9koss\u00e1g. Az 1990-es \u00e9vek v\u00e9g\u00e9n a lak\u00e1shiteleit 650 ezer h\u00e1ztart\u00e1s nem tudta t\u00f6rleszteni, ami a hitelszerz\u0151d\u00e9sek \u00f6t\u00f6d\u00e9t jelentette. A lak\u00e1shitelez\u00e9s beindul\u00e1sa \u00e9s a 2008-as v\u00e1ls\u00e1g ut\u00e1n a 2014-es cs\u00facson minden tizennegyedik h\u00e1ztart\u00e1s rendelkezett jelz\u00e1loghitel- vagy lakb\u00e9rh\u00e1tral\u00e9kkal; <strong>a 2010-es \u00e9vek k\u00f6zep\u00e9n sz\u00e1zezres nagys\u00e1grendben nem tudt\u00e1k h\u00e1ztart\u00e1sok a lak\u00e1shiteleiket t\u00f6rleszteni.<\/strong> Az \u00e9vtized v\u00e9g\u00e9re m\u00e1r csak a magyar lakoss\u00e1g 2%-\u00e1nak voltak hitel- \u00e9s lakb\u00e9rh\u00e1tral\u00e9kai a gazdas\u00e1gi n\u00f6veked\u00e9snek \u00e9s a szigor\u00fabb hitelez\u00e9snek is k\u00f6sz\u00f6nhet\u0151en.<\/p>\n<p><strong>A rendszerv\u00e1lt\u00e1s ut\u00e1n a rezsik\u00f6lts\u00e9gek megemelked\u00e9se a rezsih\u00e1tral\u00e9koss\u00e1g n\u00f6veked\u00e9s\u00e9vel is egy\u00fctt j\u00e1rt.<\/strong> Egy 1993-as felm\u00e9r\u00e9s szerint a h\u00e1ztart\u00e1sok 12%-\u00e1n\u00e1l el\u0151fordult, hogy nem tudta kifizetni a lak\u00e1s rezsij\u00e9t. Az 1990-es \u00e9vek v\u00e9g\u00e9n 800-900 ezer h\u00e1ztart\u00e1snak volt rezsih\u00e1tral\u00e9ka; a 2013-as cs\u00facson a lakoss\u00e1g negyed\u00e9nek. <strong>Jelenleg minden tizedik h\u00e1ztart\u00e1s (\u00e9s a szeg\u00e9nyebb h\u00e1ztart\u00e1sok negyede) \u00e9rintett a rezsics\u00f6kkent\u00e9s ellen\u00e9re is.<\/strong> A k\u00f6zm\u0171d\u00edj-h\u00e1tral\u00e9kok s\u00falyosabb esetben a szolg\u00e1ltat\u00e1s kikapcsol\u00e1s\u00e1hoz, majd v\u00e9grehajt\u00e1shoz \u00e9s lak\u00e1sveszt\u00e9shez is vezethetnek.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;row&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"infogram-embed\" data-id=\"_\/VK5qnOZSsrNQLip5EtKi\" 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;4.16&#8243; 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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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"padding-top:1em;\">6. H\u00e1ny kilakoltat\u00e1s t\u00f6rt\u00e9nt?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]E megk\u00f6zel\u00edt\u00e9s szerint a kilakoltat\u00e1st sokszor megfizethet\u0151s\u00e9gi probl\u00e9ma okozza: p\u00e9ld\u00e1ul t\u00f6bb kilakoltat\u00e1s t\u00f6rt\u00e9nik, ha ar\u00e1nyaiban t\u00f6bb h\u00e1ztart\u00e1s nem tudja a lakhat\u00e1si k\u00f6lts\u00e9geit fizetni; vagy ha a megfizethet\u0151 lakhat\u00e1s hi\u00e1ny\u00e1ban t\u00f6bb lesz az \u201e\u00f6nk\u00e9nyes lak\u00e1sfoglal\u00f3\u201d \u00e9s ezekb\u0151l a lak\u00e1sokb\u00f3l t\u00f6rt\u00e9nnek a kilakoltat\u00e1sok.<\/p>\n<p>A rendszerv\u00e1lt\u00e1s ut\u00e1n a hajl\u00e9ktalann\u00e1 v\u00e1l\u00e1s megemelked\u00e9s\u00e9ben a kilakoltat\u00e1soknak is szerepe volt (ekkor f\u0151leg \u00f6nk\u00e9nyes lak\u00e1sfoglal\u00f3kat lakoltattak ki). Az 1990-es \u00e9vek elej\u00e9n kidolgozt\u00e1k a kilakoltat\u00e1s folyamat\u00e1nak jogszab\u00e1lyi kereteit. Az ezredfordul\u00f3 t\u00e1j\u00e1n az \u00f6nkorm\u00e1nyzatok gyakran a szeg\u00e9nyek vagy a szeg\u00e9ny roma h\u00e1ztart\u00e1sok el\u0171z\u00e9se c\u00e9lj\u00e1b\u00f3l lakoltattak ki csal\u00e1dokat orsz\u00e1gszerte, a lak\u00e1sfoglal\u00f3k jogi helyzete folyamatosan romlott. A 2008-as v\u00e1ls\u00e1got k\u00f6vet\u0151en a kilakoltat\u00e1sok sz\u00e1m\u00e1nak emelked\u00e9se a megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1k er\u0151s\u00f6d\u00e9s\u00e9t mutatta. 2009 els\u0151 f\u00e9l\u00e9v\u00e9ben v\u00e9grehajt\u00e1sok sor\u00e1n 6000 kilakoltat\u00e1s t\u00f6rt\u00e9nt, a 2010-es \u00e9vek m\u00e1sodik fel\u00e9ben ez a sz\u00e1m \u00e9vente 3000-3500 volt. <strong>A kilakoltatottak lakhat\u00e1shoz juttat\u00e1sa a rendszerv\u00e1lt\u00e1s \u00f3ta l\u00e9nyeg\u00e9ben folyamatosan megoldatlan<\/strong>, a kilakoltat\u00e1si morat\u00f3rium nem jelent rendszerszint\u0171 megold\u00e1st.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;vid&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;row&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5 style=\"text-align: center;\">\u00d6nk\u00e9nyes lak\u00e1sfoglal\u00f3k, kilakoltat\u00e1suk \u00e9s lakhat\u00e1si mozgalmak R\u00e1kospalot\u00e1n az 1990-es \u00e9vek k\u00f6zep\u00e9n<\/h5>\n<div class=\"video-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/i5w2JGSO-oE\" frameborder=\"0\" allowfullscreen=\"\" class=\"video\"><\/iframe><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; module_id=&#8221;kovetkeztetesek&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider show_arrows=&#8221;off&#8221; show_pagination=&#8221;off&#8221; admin_label=&#8221;K\u00f6vetkeztet\u00e9sek&#8221; module_id=&#8221;megfizethetoseg&#8221; _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;15%||15%||false|false&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide heading=&#8221;K\u00f6vetkeztet\u00e9sek&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;on&#8221; _builder_version=&#8221;4.16&#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_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/wp-content\/uploads\/sites\/10\/2021\/11\/habitat_gangos_berhaz_20210401_20_1080.jpg&#8221; background_enable_image=&#8221;on&#8221; parallax=&#8221;on&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text ol_item_indent=&#8221;10px&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;18px&#8221; ol_font_size=&#8221;18px&#8221; header_font_size=&#8221;55px&#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;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; header_4_line_height=&#8221;1.1em&#8221; text_font_size_tablet=&#8221;15px&#8221; text_font_size_phone=&#8221;15px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; ol_font_size_tablet=&#8221;15px&#8221; ol_font_size_phone=&#8221;15px&#8221; ol_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#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; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A fejezet h\u00e1rom f\u0151 meg\u00e1llap\u00edt\u00e1st tesz a rendszerv\u00e1lt\u00e1s ut\u00e1ni h\u00e1rom \u00e9vtizedes id\u0151szakr\u00f3l.<\/p>\n<ol>\n<li><strong>A kor\u00e1bbi \u00e9vtizedekhez, illetve t\u00e1rsadalmi jelent\u0151s\u00e9g\u00e9hez k\u00e9pest a lak\u00e1spolitika sokat vesz\u00edtett (k\u00f6z)politikai s\u00faly\u00e1b\u00f3l<\/strong>, \u00e9s egy t\u00f6redezett, t\u00f6bbf\u00e9le logika \u00e1ltal megt\u00e9p\u00e1zott beavatkoz\u00e1si ter\u00fclett\u00e9 v\u00e1lt, amely nem reag\u00e1l \u00e9rdemben a k\u00fcl\u00f6nb\u00f6z\u0151 t\u00e1rsadalmi csoportok \u2013 \u00e9s k\u00fcl\u00f6n\u00f6sen a szeg\u00e9nyek \u2013 lak\u00e1sprobl\u00e9m\u00e1ira.<\/li>\n<li>A lakhat\u00e1s ter\u00fclet\u00e9n n\u00f6vekedtek az egyenl\u0151tlens\u00e9gek; a lakhat\u00e1si v\u00e1ls\u00e1g a rendszerv\u00e1lt\u00e1s \u00f3ta elm\u00e9ly\u00fclt, <strong>a lakhat\u00e1s megfizethet\u0151s\u00e9ge nem javult \u00e9rdemben, t\u00f6bb szempontb\u00f3l romlott.<\/strong><\/li>\n<li><strong>A lakhat\u00e1si v\u00e1ls\u00e1g m\u00e9ly\u00fcl\u00e9s\u00e9nek legf\u0151bb oka a mag\u00e1ntulajdonhoz jut\u00e1s t\u00falzott t\u00e1mogat\u00e1sa<\/strong>, a k\u00f6ztulajdon\u00fa \u00e9s nonprofit lakhat\u00e1si form\u00e1k s\u00falyos alulfinansz\u00edrozotts\u00e1ga, tov\u00e1bb\u00e1 a lak\u00e1spolitikai beavatkoz\u00e1sok jelent\u0151s r\u00e9sz\u00e9nek a tehet\u0151sebbekre val\u00f3 c\u00e9lz\u00e1sa.<\/li>\n<\/ol>\n<p>B\u00e1r a lakhat\u00e1s ter\u00fclet\u00e9n t\u00f6rt\u00e9ntek k\u00f6zpolitikai v\u00e1ltoz\u00e1sok az elm\u00falt h\u00e1rom \u00e9vtizedben, ez a h\u00e1rom tulajdons\u00e1g meglep\u0151 v\u00e1ltozatlans\u00e1ggal jellemzi a lak\u00e1spolitik\u00e1t.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;javaslatok&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#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; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Javaslatok&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;15px&#8221; header_font_size=&#8221;55px&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#ff671f&#8221; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#ff671f&#8221; background_color=&#8221;#ff671f&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;2em||0px||false|false&#8221; custom_padding=&#8221;3%|3%|3%|3%|true|true&#8221; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"padding-top: 0;\">Javaslatok<\/h2>\n<p><i class=\"fas fa-chevron-right\"><\/i> \u00c1tfog\u00f3 helyzetelemz\u00e9sen alapul\u00f3, a szakma bevon\u00e1s\u00e1val elk\u00e9sz\u00fclt, a korm\u00e1ny \u00e1ltal elfogadott lak\u00e1spolitikai koncepci\u00f3ra van sz\u00fcks\u00e9g, amely kijel\u00f6li a lak\u00e1spolitika hossz\u00fa t\u00e1v\u00fa kereteit.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> Elengedhetetlen a lak\u00e1s\u00fcgy \u00f6n\u00e1ll\u00f3 k\u00e9pviselete korm\u00e1nyzati szinten: a lak\u00e1spolitik\u00e1nak legyen \u00f6n\u00e1ll\u00f3 \u00e1llamtitk\u00e1ra, aki \u00e9rdemi m\u00f3don \u00e9s \u00e1tfog\u00f3 szeml\u00e9letben k\u00e9pes alak\u00edtani a lak\u00e1spolitik\u00e1t.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> A lak\u00e1st\u00e1mogat\u00e1si eszk\u00f6z\u00f6k legyenek kisz\u00e1m\u00edthat\u00f3ak, a jogszab\u00e1lyok ne v\u00e1ltozzanak h\u00e1rom-n\u00e9gyhavonta. A lak\u00e1st\u00e1mogat\u00e1si eszk\u00f6z\u00f6kh\u00f6z tartozzon \u00e1tfog\u00f3 \u00e9s nyilv\u00e1nos monitoringrendszer, illetve m\u0171k\u00f6d\u00e9s\u00fcket rendszeresen \u00e9rt\u00e9kelje f\u00fcggetlen hat\u00e1svizsg\u00e1lat.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> A k\u00f6ztulajdon\u00fa lak\u00e1svagyont b\u0151v\u00edteni kell, ezzel p\u00e1rhuzamosan a mag\u00e1ntulajdont t\u00e1mogat\u00f3 forr\u00e1sok jelent\u0151s cs\u00f6kkent\u00e9s\u00e9re van sz\u00fcks\u00e9g.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> K\u00f6z\u00e9p- \u00e9s hossz\u00fa t\u00e1von a lak\u00e1sok tulajdonviszonyainak jelenlegi ar\u00e1nyait is radik\u00e1lisan m\u00f3dos\u00edtani kell ahhoz, hogy a k\u00f6ztulajdonban l\u00e9v\u0151 \u00e9s nonprofit b\u00e9rlak\u00e1sszektor \u00e9rdemi b\u0151v\u00edt\u00e9s\u00e9vel hossz\u00fa t\u00e1v\u00fa megold\u00e1sok sz\u00fclethessenek a lakhat\u00e1si szeg\u00e9nys\u00e9g tart\u00f3s m\u00e9rs\u00e9kl\u00e9s\u00e9re.<\/p>\n<p><i class=\"fas fa-chevron-right\"><\/i> A rezsik\u00f6lts\u00e9gek megfizethet\u0151s\u00e9g\u00e9t hossz\u00fa t\u00e1von biztos\u00edtani sz\u00fcks\u00e9ges. Ennek helyes eszk\u00f6ze nem a rezsics\u00f6kkent\u00e9s, hanem az energiaszeg\u00e9nys\u00e9g kezel\u00e9se. A rezsik\u00f6lts\u00e9gek megfizethet\u0151s\u00e9g\u00e9t hossz\u00fa t\u00e1v\u00fa, szoci\u00e1lisan c\u00e9lzott megold\u00e1soknak kell szolg\u00e1lniuk.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Szerz\u0151k: Czirfusz M\u00e1rton \u00e9s Jelinek CsabaJelinek Csaba kutat\u00e1s\u00e1t a Nemzeti Kutat\u00e1si, Fejleszt\u00e9si \u00e9s Innov\u00e1ci\u00f3s Hivatal (NKFIH) A magyarorsz\u00e1gi lak\u00e1ssz\u00f6vetkezetek szociol\u00f3gi\u00e1ja t\u00f6rt\u00e9neti megk\u00f6zel\u00edt\u00e9sben c\u00edm\u0171, PD 139049 sz\u00e1m\u00fa projektje t\u00e1mogatta. (Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont; K\u00f6zgazdas\u00e1g- \u00e9s Region\u00e1lis Tudom\u00e1nyi Kutat\u00f3k\u00f6zpont). A szerkeszt\u00e9s 2021. okt\u00f3ber 10-\u00e9n lez\u00e1rult. Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3. A teljes fejezet let\u00f6lthet\u0151 itt.\u200bA K\u00e1d\u00e1r-korszakban [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"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-112","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lakhat\u00e1si k\u00f6zpolitik\u00e1k \u00e9s a lakhat\u00e1s megfizethet\u0151s\u00e9ge az elm\u00falt h\u00e1rom \u00e9vtizedben - \u00c9ves lakhat\u00e1si jelent\u00e9s 2021 | Habitat for Humanity<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2021\/lakhatasi-kozpolitikak-es-a-lakhatas-megfizethetosege-az-elmult-harom-evtizedben\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lakhat\u00e1si k\u00f6zpolitik\u00e1k \u00e9s a lakhat\u00e1s megfizethet\u0151s\u00e9ge az elm\u00falt h\u00e1rom \u00e9vtizedben - \u00c9ves lakhat\u00e1si jelent\u00e9s 2021 | Habitat for Humanity\" \/>\n<meta property=\"og:description\" content=\"Szerz\u0151k: Czirfusz M\u00e1rton \u00e9s Jelinek CsabaJelinek Csaba kutat\u00e1s\u00e1t a Nemzeti Kutat\u00e1si, Fejleszt\u00e9si \u00e9s Innov\u00e1ci\u00f3s Hivatal (NKFIH) A magyarorsz\u00e1gi lak\u00e1ssz\u00f6vetkezetek szociol\u00f3gi\u00e1ja t\u00f6rt\u00e9neti megk\u00f6zel\u00edt\u00e9sben c\u00edm\u0171, PD 139049 sz\u00e1m\u00fa projektje t\u00e1mogatta. 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