{"id":17,"date":"2023-11-06T08:12:26","date_gmt":"2023-11-06T07:12:26","guid":{"rendered":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/?page_id=17"},"modified":"2024-11-27T09:28:42","modified_gmt":"2024-11-27T08:28:42","slug":"lakaspolitikak-es-koltsegvetes","status":"publish","type":"page","link":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/lakaspolitikak-es-koltsegvetes\/","title":{"rendered":"Lak\u00e1spolitik\u00e1k \u00e9s k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok"},"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; _builder_version=&#8221;4.27.3&#8243; text_orientation=&#8221;left&#8221; custom_padding=&#8221;5%||5%||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_slide heading=&#8221;Lak\u00e1spolitik\u00e1k \u00e9s k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.27.3&#8243; header_font=&#8221;|800||on|||||&#8221; header_text_align=&#8221;center&#8221; header_font_size=&#8221;55px&#8221; header_line_height=&#8221;1.1em&#8221; background_color=&#8221;#385988&#8243; background_enable_color=&#8221;on&#8221; background_enable_image=&#8221;off&#8221; background_blend=&#8221;darken&#8221; button_on_hover=&#8221;on&#8221; text_orientation=&#8221;left&#8221; child_mix_blend_mode=&#8221;darken&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;45px&#8221; header_font_size_phone=&#8221;35px&#8221; header_font_size_last_edited=&#8221;on|phone&#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\u0151: Czirfusz M\u00e1rton <em>(Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont)<\/em>.<\/p>\n<p style=\"text-align: center;\"><i class=\"fas fa-calendar-alt\"><\/i> A szerkeszt\u00e9s 2024. okt\u00f3ber 18-\u00e1n z\u00e1rult.<\/p>\n<p style=\"text-align: center;\">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-2024\/wp-content\/uploads\/sites\/15\/2024\/11\/Habitat_EvesJelentes2024_241126.pdf\" target=\"_blank\" rel=\"noopener\"><i class=\"fas fa-download\"><\/i> A teljes jelent\u00e9s 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; 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;4.27.3&#8243; text_font_size=&#8221;16px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_text_color=&#8221;#385988&#8243; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#385988&#8243; header_4_line_height=&#8221;1.1em&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; 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><strong>A magyarorsz\u00e1gi lak\u00e1spolitikai eszk\u00f6zt\u00e1r a rendszerv\u00e1lt\u00e1s \u00f3ta n\u00e9lk\u00fcl\u00f6zi a hossz\u00fa t\u00e1v\u00fa kisz\u00e1m\u00edthat\u00f3s\u00e1got, nem szervez\u0151dik egys\u00e9ges rendszerbe.<\/strong> Ebben 2023\u20132024-ben sem t\u00f6rt\u00e9nt v\u00e1ltoz\u00e1s.<\/p>\n<p>2024 okt\u00f3ber\u00e9ben \u201egazdas\u00e1gpolitikai akci\u00f3tervet\u201d jelentett be a korm\u00e1ny, melynek egyik pill\u00e9re a megfizethet\u0151 lakhat\u00e1s lett. <strong>A tervezett t\u00edz int\u00e9zked\u00e9s t\u00f6bbs\u00e9ge az els\u0151 inform\u00e1ci\u00f3k alapj\u00e1n nem a lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151ket c\u00e9lozza.<\/strong><\/p>\n<p>A lak\u00e1spolitika t\u00e1rsadalmilag igazs\u00e1goss\u00e1 t\u00e9tel\u00e9re, a lakhat\u00e1si szeg\u00e9nys\u00e9g m\u00e9rs\u00e9kl\u00e9s\u00e9re a k\u00f6vetkez\u0151ket javasoljuk:<\/p>\n<ul>\n<li>A <strong>lakhat\u00e1si v\u00e1ls\u00e1g<\/strong> fogalma \u00faj elemk\u00e9nt jelent meg a korm\u00e1nyzati kommunik\u00e1ci\u00f3ban 2024 \u0151sz\u00e9n. Ezt pozit\u00edv fordulatnak tartjuk, mert \u00f6szt\u00f6n\u00f6zheti a korm\u00e1nyt a lakhat\u00e1si v\u00e1ls\u00e1g jellemz\u0151inek felt\u00e1r\u00e1s\u00e1ra, <strong>a lakhat\u00e1si szeg\u00e9nys\u00e9g rendszerszint\u0171 megold\u00e1s\u00e1ra.<\/strong><\/li>\n<li>Az \u00faj Eur\u00f3pai Bizotts\u00e1g az els\u0151 eur\u00f3pai megfizethet\u0151 lakhat\u00e1sra vonatkoz\u00f3 terv elk\u00e9sz\u00edt\u00e9s\u00e9t t\u0171zte ki c\u00e9lul. Ezt k\u00eds\u00e9rhetn\u00e9 <strong>az els\u0151 magyar megfizethet\u0151 lakhat\u00e1sra vonatkoz\u00f3 terv<\/strong>, sz\u00e9les szakmai \u00e9s t\u00e1rsadalmi p\u00e1rbesz\u00e9dben elk\u00e9sz\u00edtve.<\/li>\n<li>Amennyiben az eur\u00f3pai uni\u00f3s lak\u00e1s\u00fcgyi forr\u00e1sok b\u0151v\u00fclnek, azok felhaszn\u00e1l\u00e1s\u00e1val <strong>cs\u00f6kkentend\u0151 a lak\u00e1spolitikai r\u00e1ford\u00edt\u00e1sok ciklikus ingadoz\u00e1sa \u00e9s n\u00f6velend\u0151 a szoci\u00e1lisan c\u00e9lzott lak\u00e1skiad\u00e1sok ar\u00e1nya<\/strong>.<\/li>\n<li>A lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151kre <strong>c\u00e9lzott t\u00e1mogat\u00e1si programok<\/strong> kidolgoz\u00e1s\u00e1ra van sz\u00fcks\u00e9g, amely programok az energiaszeg\u00e9nys\u00e9gi szempontokat is figyelembe veszik.<\/li>\n<li><strong>A lakhat\u00e1si szeg\u00e9nys\u00e9g ter\u00fcleti szempontjaira nagyobb figyelmet sz\u00fcks\u00e9ges ford\u00edtani.<\/strong> A nagyv\u00e1rosi t\u00e9rs\u00e9gek lakhat\u00e1si probl\u00e9m\u00e1inak megold\u00e1s\u00e1ra \u00e1tfog\u00f3 programot kell kidolgozni, \u00e9s nem k\u00edv\u00e1natos a perif\u00e9ri\u00e1kra val\u00f3 k\u00f6lt\u00f6z\u00e9s lak\u00e1spolitikai \u00f6szt\u00f6nz\u00e9se.<\/li>\n<\/ul>\n<h3>Lak\u00e1spolitikai fejlem\u00e9nyek<\/h3>\n<p><strong>2024 \u0151sz\u00e9n a korm\u00e1nykommunik\u00e1ci\u00f3ban hangs\u00falyoss\u00e1 v\u00e1lt a megfizethet\u0151 lakhat\u00e1s t\u00e9m\u00e1ja. Pozit\u00edv fordulatnak tekintj\u00fck, hogy a korm\u00e1ny v\u00e9gre elkezdett a lakhat\u00e1si v\u00e1ls\u00e1gr\u00f3l besz\u00e9lni.<\/strong> A 2024 okt\u00f3ber\u00e9ben bejelentett \u201egazdas\u00e1gpolitikai akci\u00f3terv\u201d egyik pill\u00e9re lett a megfizethet\u0151 lakhat\u00e1s, t\u00edz int\u00e9zked\u00e9ssel. <strong>Az int\u00e9zked\u00e9sek az \u00e9p\u00edt\u0151ipar \u00e9s a gazdas\u00e1gi n\u00f6veked\u00e9s fellend\u00edt\u00e9s\u00e9t szolg\u00e1lj\u00e1k<\/strong> (pl. az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sok vagy a SZ\u00c9P-k\u00e1rty\u00e1ra \u00e9rkez\u0151 b\u00e9ren k\u00edv\u00fcli juttat\u00e1sok lak\u00e1sc\u00e9l\u00fa felhaszn\u00e1l\u00e1sa). A fiataloknak sz\u00f3l\u00f3 lak\u00e1sprogram vagy a budapesti fels\u0151oktat\u00e1si koll\u00e9giumi f\u00e9r\u0151helyb\u0151v\u00edt\u00e9s hat\u00e1sa a lakhat\u00e1si szeg\u00e9nys\u00e9gre csak a r\u00e9szletek ismeret\u00e9ben jelezhet\u0151 el\u0151re. Az akci\u00f3terv egyes elemei kor\u00e1bbi szakpolitikai eszk\u00f6z\u00f6k folytat\u00e1s\u00e1t tartalmazz\u00e1k (pl. kedvezm\u00e9nyes 5%-os lak\u00e1s\u00e1fa, vid\u00e9ki otthonfel\u00faj\u00edt\u00e1si program). Az int\u00e9zked\u00e9sek r\u00e9szleteit a k\u00e9zirat z\u00e1r\u00e1sakor m\u00e9g nem ismerj\u00fck.<\/p>\n<p>A 2023\u20132024-es lak\u00e1spolitikai v\u00e1ltoz\u00e1sok lakhat\u00e1si szeg\u00e9nys\u00e9ggel val\u00f3 \u00f6sszef\u00fcgg\u00e9seit az al\u00e1bbi \u00e1bra mutatja be. <strong>A lak\u00e1spolitikai eszk\u00f6zt\u00e1r \u00e1talak\u00edt\u00e1sai nem szolg\u00e1lt\u00e1k a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151kre val\u00f3 pontosabb c\u00e9lz\u00e1st \u00e9s ink\u00e1bb rontott\u00e1k a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k helyzet\u00e9t.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;1 \u00e1bra&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Roboto||||||||&#8221; text_font_size=&#8221;20px&#8221; width=&#8221;70%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;2em||2em||true|false&#8221; global_colors_info=&#8221;{}&#8221;]<div class=\"infogram-embed\" data-id=\"_\/JitEav70tZ6z5QsnuQ2O\" data-type=\"interactive\"><\/div><script>!function(e,t,s,i){var n=\"InfogramEmbeds\",o=e.getElementsByTagName(\"script\"),d=o[0],r=\/^http:\/.test(e.location)?\"http:\":\"https:\";if(\/^\\\/{2}\/.test(i)&&(i=r+i),window[n]&&window[n].initialized)window[n].process&&window[n].process();else if(!e.getElementById(s)){var a=e.createElement(\"script\");a.async=1,a.id=s,a.src=i,d.parentNode.insertBefore(a,d)}}(document,0,\"infogram-async\",\"\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.3&#8243; text_font_size=&#8221;16px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_text_color=&#8221;#385988&#8243; header_2_line_height=&#8221;1.1em&#8221; header_3_font=&#8221;|600||on|||||&#8221; header_3_text_color=&#8221;#385988&#8243; header_3_line_height=&#8221;1.1em&#8221; header_4_text_color=&#8221;#385988&#8243; header_4_line_height=&#8221;1.1em&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; 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>Csal\u00e1dpolitikai lak\u00e1st\u00e1mogat\u00e1sok<\/h4>\n<p>A csal\u00e1dpolitikai t\u00edpus\u00fa lak\u00e1st\u00e1mogat\u00e1sokat a korm\u00e1ny 2023-ban a k\u00f6lts\u00e9gvet\u00e9s roml\u00f3 helyzete miatt er\u0151teljesen visszav\u00e1gta.<\/p>\n<p>A CSOK (csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9ny) helyett \u00fajonnan bevezetett <strong>CSOK Plusz program<\/strong> a kor\u00e1bbiakn\u00e1l magasabb \u00f6sszeg\u0171 kamatt\u00e1mogatott (fix 3%-os) lak\u00e1shitel, amelyhez hitelelenged\u00e9s kapcsol\u00f3dik legal\u00e1bb k\u00e9t \u00faj gyermek megsz\u00fclet\u00e9se eset\u00e9n. <strong>A lak\u00e1sszeg\u00e9nys\u00e9gben \u00e9l\u0151, gyermekv\u00e1llal\u00e1st tervez\u0151 h\u00e1ztart\u00e1sok egy r\u00e9sze nem, vagy nem a maxim\u00e1lis \u00f6sszegig hitelk\u00e9pes.<\/strong> A falusi CSOK ig\u00e9nyl\u00e9si felt\u00e9telei nem v\u00e1ltoztak, a t\u00e1mogat\u00e1si \u00f6sszegek n\u00f6vel\u00e9se viszont a lak\u00e1s\u00e1rak emelked\u00e9s\u00e9t eredm\u00e9nyezheti a prefer\u00e1lt kistelep\u00fcl\u00e9seken. A <strong>babav\u00e1r\u00f3 hitel<\/strong> felv\u00e9tel\u00e9nek krit\u00e9riumait m\u00f3dos\u00edtott\u00e1k, \u00edgy 2023-ban el\u0151rehozott kereslet jelent meg.<\/p>\n<p><strong>\u00daj elad\u00f3sod\u00e1si kock\u00e1zati csoportk\u00e9nt jelentek meg a csal\u00e1dt\u00e1mogat\u00e1sokhoz k\u00f6t\u00f6tt gyermekv\u00e1llal\u00e1si felt\u00e9telt nem teljes\u00edt\u0151 h\u00e1ztart\u00e1sok.<\/strong> A babav\u00e1r\u00f3 hitelesekn\u00e9l 2026. j\u00falius 1-ig meghosszabb\u00edtott\u00e1k a gyermekv\u00e1llal\u00e1s teljes\u00edt\u00e9s\u00e9nek hat\u00e1ridej\u00e9t, hogy a t\u00f6bb mint t\u00edzezer \u00e9rintett csal\u00e1d ne ker\u00fclj\u00f6n nehezebb helyzetbe. A CSOK-szerz\u0151d\u00e9sek eset\u00e9ben a gyermekv\u00e1llal\u00e1s nemteljes\u00edt\u00e9se szint\u00e9n t\u00f6bbezer h\u00e1ztart\u00e1st \u00e9rint.<\/p>\n<h4>A lak\u00e1sfinansz\u00edroz\u00e1shoz kapcsol\u00f3d\u00f3 tov\u00e1bbi beavatkoz\u00e1sok<\/h4>\n<p>A v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa jelz\u00e1loghitelekre 2022-ben bevezetett kamatstopot a korm\u00e1ny 2024. december 31-ig meghosszabb\u00edtotta. <strong>A kamatstop z\u00f6mmel olyan ad\u00f3soknak kedvez, akiknek nem okozna neh\u00e9zs\u00e9get a megemelt t\u00f6rleszt\u0151r\u00e9szletek megfizet\u00e9se, \u00edgy az eszk\u00f6z t\u00e1rsadalmilag igazs\u00e1gtalan.<\/strong><\/p>\n<p><strong>A kedvezm\u00e9nyes, 5%-os lak\u00e1s\u00e1fa<\/strong> 2016 \u00f3ta r\u00e9sze a lak\u00e1spolitikai eszk\u00f6zt\u00e1rnak, \u00e9s legal\u00e1bb 2026 v\u00e9g\u00e9ig fenn is marad. Az \u00fajlak\u00e1sv\u00e1s\u00e1rl\u00e1s a tehet\u0151sebbek sz\u00e1m\u00e1ra el\u00e9rhet\u0151bb, \u00edgy az eszk\u00f6z <strong>nem k\u00f6nny\u00edti \u00e9rdemben a kev\u00e9sb\u00e9 tehet\u0151sek lak\u00e1sv\u00e1s\u00e1rl\u00e1s\u00e1t.<\/strong><\/p>\n<p><strong>A lak\u00e1sfinansz\u00edroz\u00e1s forr\u00e1sb\u0151v\u00edt\u00e9s\u00e9t szolg\u00e1lja a 2024 \u0151sz\u00e9n bejelentett gazdas\u00e1gpolitikai akci\u00f3terv n\u00e9h\u00e1ny eszk\u00f6ze<\/strong>, \u00edgy az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1sok lak\u00e1sc\u00e9lra val\u00f3 felhaszn\u00e1l\u00e1sa 2025-ben vagy a bankokt\u00f3l k\u00e9rt 5%-os lak\u00e1shitel-kamatplafon. Az eszk\u00f6z\u00f6k els\u0151dlegesen nem a lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9nek jav\u00edt\u00e1s\u00e1t szolg\u00e1lj\u00e1k.<\/p>\n<h4>\u00daj otthonfel\u00faj\u00edt\u00e1si \u00e9s lakoss\u00e1gi energetikai programok<\/h4>\n<p>2024. j\u00falius 1-t\u0151l elindult az <strong>\u00faj otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1si program<\/strong>, amely <strong>20 ezer 1990 el\u0151tt \u00e9p\u00fclt csal\u00e1di h\u00e1z energiahat\u00e9kony fel\u00faj\u00edt\u00e1s\u00e1ra adhat lehet\u0151s\u00e9get.<\/strong> A t\u00e1mogat\u00e1si \u00f6sszeg maximum 7 milli\u00f3 Ft, amely vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1sb\u00f3l \u00e9s kamatmentes hitelb\u0151l \u00e1ll. A lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k hozz\u00e1f\u00e9r\u00e9s\u00e9t seg\u00edti n\u00e9h\u00e1ny megold\u00e1s (pl. a h\u00e1ztart\u00e1si j\u00f6vedelem figyelembev\u00e9tele \u00e9s a k\u00f6zvetlen kivitelez\u0151i finansz\u00edroz\u00e1s), viszont <strong>a lakhat\u00e1si szeg\u00e9nys\u00e9gben \u00e9l\u0151k egy r\u00e9sze sz\u00e1m\u00e1ra nem hozz\u00e1f\u00e9rhet\u0151 a program<\/strong>, mert a tulajdonukban lev\u0151 csal\u00e1di h\u00e1z \u00e1llapota nem felel meg a p\u00e1ly\u00e1zati felt\u00e9teleknek, vagy mert a h\u00e1ztart\u00e1s nem hitelk\u00e9pes. A Habitat for Humanity Magyarorsz\u00e1g szakmai \u00e1ll\u00e1spontja szerint a program nem c\u00e9lozza az energiaszeg\u00e9ny h\u00e1ztart\u00e1sokat.<\/p>\n<p><strong>Semmilyen szoci\u00e1lis c\u00e9lz\u00e1st nem tartalmaz<\/strong> a Helyre\u00e1ll\u00edt\u00e1si \u00e9s Ellen\u00e1ll\u00f3k\u00e9pess\u00e9gi Tervb\u0151l finansz\u00edrozott, 2024-ben indult <strong>Napenergia Plusz Program<\/strong>, amelyb\u0151l napelemes \u00e9s energiat\u00e1rol\u00f3s rendszereket \u00e9p\u00edthetnek ki a p\u00e1ly\u00e1z\u00f3 h\u00e1ztart\u00e1sok.<\/p>\n<h4>Nagyberuh\u00e1z\u00e1sokhoz kapcsol\u00f3d\u00f3 kiszor\u00edt\u00e1si folyamatok<\/h4>\n<p><strong>A kiemelt korm\u00e1nyzati beruh\u00e1z\u00e1sokhoz kapcsol\u00f3d\u00f3an feler\u0151s\u00f6dtek a lakoss\u00e1gi kiszor\u00edt\u00e1si folyamatok<\/strong>, amikor a beruh\u00e1z\u00e1sok megval\u00f3s\u00edt\u00e1sa sor\u00e1n h\u00e1ztart\u00e1sok vesz\u00edtik el a lakhat\u00e1sukat, vagy a beruh\u00e1z\u00f3 nem gondoskodik a kiszorul\u00f3 h\u00e1ztart\u00e1sok megfelel\u0151 elhelyez\u00e9s\u00e9r\u0151l.<\/p>\n<p>Budapesten a <strong>R\u00e1kosrendez\u0151<\/strong> rozsda\u00f6vezeti ter\u00fclet\u00e9n a M\u00c1V szolg\u00e1lati lak\u00e1saiban \u00e9l\u0151ket szor\u00edtott\u00e1k ki. Budapest-J\u00f3zsefv\u00e1rosban t\u00f6bb helysz\u00ednen (Nemzeti K\u00f6zszolg\u00e1lati Egyetem campusfejleszt\u00e9se, P\u00e1zm\u00e1ny Campus) a lakoss\u00e1g kiszor\u00edt\u00e1s\u00e1val fenyeget\u0151 \u00e1llami beruh\u00e1z\u00e1sok el\u0151k\u00e9sz\u00edt\u00e9se zajlik. A debreceni rep\u00fcl\u0151t\u00e9r fejleszt\u00e9se sor\u00e1n Szepes v\u00e1rosr\u00e9szben szorulhatnak ki helyi lakosok a n\u00f6vekv\u0151 zajterhel\u00e9s miatt.<\/p>\n<h4>Kiszolg\u00e1ltatott lakhat\u00e1si helyzet\u0171 csoportok<\/h4>\n<p>A korm\u00e1ny t\u00f6bb, kiszolg\u00e1ltatott lakhat\u00e1si helyzet\u0171 csoport t\u00e1mogat\u00e1s\u00e1t\u00f3l fordult el 2023\u20132024-ben.<\/p>\n<p><strong>Az ukrajnai menek\u00fcltek lakhat\u00e1s\u00e1nak t\u00e1mogat\u00e1s\u00e1b\u00f3l j\u00f3r\u00e9szt kivonult az \u00e1llam a lakhat\u00e1si t\u00e1mogat\u00e1sokhoz val\u00f3 hozz\u00e1f\u00e9r\u00e9s szigor\u00edt\u00e1s\u00e1val.<\/strong> 2024. augusztus 20-t\u00f3l elhelyez\u00e9s kiz\u00e1r\u00f3lag a korm\u00e1nybiztos \u00e1ltal meghat\u00e1rozott, \u201eh\u00e1bor\u00fa s\u00fajtotta ter\u00fcleteken\u201d lak\u00f3hellyel rendelkez\u0151k sz\u00e1m\u00e1ra biztos\u00edthat\u00f3, legfeljebb egy h\u00f3nap id\u0151tartamra vagy a mened\u00e9kesk\u00e9nt t\u00f6rt\u00e9n\u0151 elismer\u00e9sig. A szigor\u00edt\u00e1s nyom\u00e1n k\u00e9t-h\u00e1romezer f\u0151t fenyegetett lakhat\u00e1s\u00e1nak elveszt\u00e9se. Az ukrajnai menek\u00fcltek lakhat\u00e1s\u00e1nak hossz\u00fa t\u00e1v\u00fa megold\u00e1s\u00e1ban nem vesz r\u00e9szt az \u00e1llam, sem anyagi forr\u00e1ssal, sem m\u00e1s beavatkoz\u00e1sokkal.<\/p>\n<p>Nem rendez\u0151d\u00f6tt <strong>a recski k\u0151b\u00e1ny\u00e1b\u00f3l lez\u00fadult 2023. j\u00faniusi s\u00e1rlavina<\/strong> k\u00e1rosultjainak lakhat\u00e1sa; a korm\u00e1ny visszavonta az 500 milli\u00f3 Ft-os t\u00e1mogat\u00e1st a helyzet megold\u00e1s\u00e1ra. A k\u00e1rosultak lakhat\u00e1s\u00e1t az MR K\u00f6z\u00f6ss\u00e9gi Lak\u00e1salap Nkft. pr\u00f3b\u00e1lja megoldani.<\/p>\n<h3>K\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok<\/h3>\n<p>A k\u00e9zirat z\u00e1r\u00e1sakor a 2023. \u00e9vi z\u00e1rsz\u00e1mad\u00e1st ismerj\u00fck, a 2024-es k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok alakul\u00e1s\u00e1r\u00f3l kev\u00e9s inform\u00e1ci\u00f3val rendelkez\u00fcnk. A 2025. \u00e9vi k\u00f6lts\u00e9gvet\u00e9si t\u00f6rv\u00e9nyjavaslatot 2024 november\u00e9ben ny\u00fajtja be a korm\u00e1ny a parlamentnek.<\/p>\n<h4>A \u201elak\u00e1st\u00e1mogat\u00e1sok\u201d k\u00f6lts\u00e9gvet\u00e9si c\u00edm<\/h4>\n<p><strong>A \u201elak\u00e1st\u00e1mogat\u00e1sok\u201d k\u00f6lts\u00e9gvet\u00e9si c\u00edm tartalmazza a korm\u00e1ny legjelent\u0151sebb lak\u00e1spolitikai eszk\u00f6zeinek kiad\u00e1sait<\/strong>, p\u00e9ld\u00e1ul a csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9nyt vagy a lak\u00e1shitelek kamatt\u00e1mogat\u00e1s\u00e1t. <strong>Ezek az eszk\u00f6z\u00f6k szoci\u00e1lisan nem c\u00e9lzottak<\/strong>, az akad\u00e1lymentes\u00edt\u00e9si t\u00e1mogat\u00e1st kiv\u00e9ve. 2023-ban az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s megsz\u00fcntet\u00e9s\u00e9vel a lak\u00e1st\u00e1mogat\u00e1sok k\u00f6lts\u00e9gvet\u00e9si c\u00edmen elsz\u00e1molt kiad\u00e1sok er\u0151teljesen cs\u00f6kkentek, \u00e9s ez a cs\u00f6kken\u00e9s a k\u00f6vetkez\u0151 \u00e9vekben is folytat\u00f3dik. <strong>Lak\u00e1st\u00e1mogat\u00e1sra re\u00e1l\u00e9rt\u00e9ken annyit k\u00f6lt most a k\u00f6zponti \u00e1llam, mint a 2010-es \u00e9vek k\u00f6zep\u00e9n a CSOK elindul\u00e1sa el\u0151tt \u00e9s mint az els\u0151 Orb\u00e1n-korm\u00e1ny (1998\u20132002) idej\u00e9n \u2013 ez a h\u00e1rom id\u0151szak a lak\u00e1st\u00e1mogat\u00e1sok h\u00e1rom m\u00e9lypontja a rendszerv\u00e1lt\u00e1s ut\u00e1n.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;2 \u00e1bra&#8221; 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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><strong>A lakhat\u00e1si c\u00e9l\u00fa k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok t\u00f6bb mint 90%-a szoci\u00e1lisan nem c\u00e9lzott.<\/strong> Az ar\u00e1ny az ut\u00f3bbi \u00e9vekben n\u00e9h\u00e1ny sz\u00e1zal\u00e9kponttal javult, a nem c\u00e9lzott t\u00e1mogat\u00e1sok jogosults\u00e1gi felt\u00e9teleinek szigor\u00edt\u00e1s\u00e1val \u00e9s nagyobb kiad\u00e1sokkal j\u00e1r\u00f3 eszk\u00f6z\u00f6k (pl. az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s) kivezet\u00e9s\u00e9vel. A sz\u00f6vegben a tov\u00e1bbiakban a foly\u00f3 \u00e1ras adatokat mutatjuk be, a fenti \u00e1bra viszont v\u00e1ltozatlan \u00e1ras adatokat tartalmaz.<\/p>\n<ul>\n<li><strong>K\u00f6ztulajdon\u00fa lak\u00e1sok b\u0151v\u00edt\u00e9s\u00e9re, fenntart\u00e1s\u00e1ra \u00e9s fel\u00faj\u00edt\u00e1s\u00e1ra<\/strong> l\u00e9nyeg\u00e9ben nem k\u00f6lt a k\u00f6zponti \u00e1llam. Az \u00f6nkorm\u00e1nyzati lak\u00e1s\u00e1llom\u00e1ny fel\u00faj\u00edt\u00e1s\u00e1ra a v\u00e1rosi \u00f6nkorm\u00e1nyzatok 2023-ban 15,2 milli\u00e1rd Ft-ot ford\u00edtottak. Az \u00f6nkorm\u00e1nyzati lak\u00e1srendszerb\u0151l cs\u00f6kken\u0151 \u00e1llom\u00e1ny mellett rendszerszint\u0171 forr\u00e1skivon\u00e1s t\u00f6rt\u00e9nik.<\/li>\n<li><strong>Lak\u00e1stulajdonhoz kapcsol\u00f3d\u00f3 szoci\u00e1lisan c\u00e9lzott t\u00e1mogat\u00e1sok<\/strong> l\u00e9nyeg\u00e9ben nem l\u00e9teznek. A gyermekv\u00e9delmi lak\u00e1salap (2023-ban 1,3 milli\u00e1rd Ft) a c\u00e9lcsoport lakhat\u00e1s\u00e1t nem tudja megoldani. A mozg\u00e1ss\u00e9r\u00fclt szem\u00e9lyek \u00e1ltal ig\u00e9nybe vehet\u0151 akad\u00e1lymentes\u00edt\u00e9si t\u00e1mogat\u00e1s k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sai re\u00e1l\u00e9rt\u00e9ken a rendszerv\u00e1lt\u00e1s ut\u00e1ni m\u00e9lypontra zuhantak 2023-ra (71,6 milli\u00f3 Ft).<\/li>\n<li><strong>Lak\u00e1stulajdonhoz kapcsol\u00f3d\u00f3, szoci\u00e1lisan nem c\u00e9lzott t\u00e1mogat\u00e1sokra<\/strong> 2023-ban 639,6 milli\u00e1rd Ft-ot ford\u00edtott az \u00e1llam, 2024-re pedig 393,5 milli\u00e1rd Ft-ot terveztek. 2023-ban az otthonfel\u00faj\u00edt\u00e1si t\u00e1mogat\u00e1s volt a csoportban a legnagyobb kiad\u00e1ssal j\u00e1r\u00f3 eszk\u00f6z (245,7 milli\u00e1rd Ft). Ezt k\u00f6vette a csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9ny (73,6 milli\u00e1rd Ft), a babav\u00e1r\u00f3 t\u00e1mogat\u00e1sok gyereksz\u00fclet\u00e9s ut\u00e1ni elenged\u00e9se (58,3 milli\u00e1rd Ft). Az emelked\u0151 kamatk\u00f6rnyezetben a lak\u00e1spolitikai eszk\u00f6z\u00f6kh\u00f6z kapcsol\u00f3d\u00f3 kamatt\u00e1mogat\u00e1sok kiad\u00e1sai n\u00f6vekedtek: 2023-ban a babav\u00e1r\u00f3 hitel kamatt\u00e1mogat\u00e1sa 112,4 milli\u00e1rd Ft, a CSOK-hitelek kamatt\u00e1mogat\u00e1sa 40,3 milli\u00e1rd Ft kiad\u00e1st eredm\u00e9nyezett.<\/li>\n<li><strong>A lakoss\u00e1gi energiak\u00f6lts\u00e9gek t\u00e1mogat\u00e1sa<\/strong> soron a lakoss\u00e1gi fogyaszt\u00f3khoz k\u00f6zvetlen\u00fcl eljut\u00f3 energiat\u00e1mogat\u00e1sokat szerepeltett\u00fck a hossz\u00fa t\u00e1v\u00fa \u00e1ttekint\u00e9s\u00fcnkben. Ilyen t\u00e1mogat\u00e1sra a 2000-es \u00e9vek k\u00f6zep\u00e9n volt utolj\u00e1ra p\u00e9lda. A lakoss\u00e1gi rezsiv\u00e9delem kiad\u00e1sai nehezen beazonos\u00edthat\u00f3ak, ez\u00e9rt nem szerepeltett\u00fck az \u00e1br\u00e1n.<\/li>\n<li><strong>A lakhat\u00e1si k\u00f6lts\u00e9gek szoci\u00e1lisan c\u00e9lzott t\u00e1mogat\u00e1sai<\/strong> k\u00f6z\u00f6tt a telep\u00fcl\u00e9si t\u00e1mogat\u00e1sra ford\u00edtott kiad\u00e1sok 2020 \u00e9s 2023 k\u00f6z\u00f6tt re\u00e1l\u00e9rt\u00e9ken negyed\u00e9vel cs\u00f6kkentek. A szoci\u00e1lis t\u00fczel\u0151anyag-t\u00e1mogat\u00e1s p\u00e1ly\u00e1zati kerete 2019 \u00f3ta v\u00e1ltozatlan, 5 milli\u00e1rd Ft, ami nem fedezi az ig\u00e9nyeket.<\/li>\n<li><strong>A p\u00e9nzint\u00e9zetek lakhat\u00e1si eszk\u00f6z\u00f6kkel kapcsolatos t\u00e1mogat\u00e1sai<\/strong> a jogszab\u00e1lyi v\u00e1ltoz\u00e1sok miatt cs\u00f6kkentek.<\/li>\n<\/ul>\n<p>Az \u00f6sszefoglal\u00f3 \u00e1br\u00e1n nem szerepeltett\u00fcnk lakhat\u00e1si c\u00e9lt szolg\u00e1l\u00f3, de a fenti kateg\u00f3ri\u00e1kba nem besorolhat\u00f3 t\u00e9teleket, valamint olyanokat, amelyek r\u00e1ford\u00edt\u00e1si \u00f6sszege a z\u00e1rsz\u00e1mad\u00e1sokb\u00f3l nem rekonstru\u00e1lhat\u00f3. Ezeket, valamint a rezsiv\u00e9delemre ford\u00edtott k\u00f6lts\u00e9gvet\u00e9si kiad\u00e1sok r\u00e9szletesebb elemz\u00e9s\u00e9t a fejezet <a href=\"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-content\/uploads\/sites\/15\/2024\/11\/Habitat_EvesJelentes2024_1fejezet_v2.pdf\" target=\"_blank\" rel=\"noopener\">PDF-ben let\u00f6lthet\u0151 hossz\u00fa v\u00e1ltozata<\/a> tartalmazza.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Szerz\u0151: Czirfusz M\u00e1rton (Perif\u00e9ria K\u00f6zpolitikai \u00e9s Kutat\u00f3k\u00f6zpont). A szerkeszt\u00e9s 2024. okt\u00f3ber 18-\u00e1n z\u00e1rult. Az al\u00e1bbiakban a fejezet kivonata olvashat\u00f3. A teljes jelent\u00e9s let\u00f6lthet\u0151 itt.A magyarorsz\u00e1gi lak\u00e1spolitikai eszk\u00f6zt\u00e1r a rendszerv\u00e1lt\u00e1s \u00f3ta n\u00e9lk\u00fcl\u00f6zi a hossz\u00fa t\u00e1v\u00fa kisz\u00e1m\u00edthat\u00f3s\u00e1got, nem szervez\u0151dik egys\u00e9ges rendszerbe. Ebben 2023\u20132024-ben sem t\u00f6rt\u00e9nt v\u00e1ltoz\u00e1s. 2024 okt\u00f3ber\u00e9ben \u201egazdas\u00e1gpolitikai akci\u00f3tervet\u201d jelentett be a korm\u00e1ny, melynek egyik pill\u00e9re [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":55,"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-17","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/pages\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":27,"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/pages\/17\/revisions"}],"predecessor-version":[{"id":308,"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/pages\/17\/revisions\/308"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/media\/55"}],"wp:attachment":[{"href":"https:\/\/habitat.hu\/sites\/lakhatasi-jelentes-2024\/wp-json\/wp\/v2\/media?parent=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}