{"id":4132,"date":"2024-02-03T15:49:17","date_gmt":"2024-02-03T15:49:17","guid":{"rendered":"http:\/\/mijn-lo.nl\/?page_id=4132"},"modified":"2025-08-19T17:25:25","modified_gmt":"2025-08-19T17:25:25","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/mijn-lo.nl\/hu\/housing\/mortgage\/","title":{"rendered":"Jelz\u00e1log"},"content":{"rendered":"
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Minden jelz\u00e1loghitelhez egy sz\u00e1zal\u00e9kos<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Jelz\u00e1loghitelt felvenni (hollandul: \"hypotheek\")<\/strong><\/h3>

Ha h\u00e1zat v\u00e1s\u00e1rol, \u00e1ltal\u00e1ban jelz\u00e1loghitelre (k\u00f6lcs\u00f6nre) van sz\u00fcks\u00e9ge. Ahhoz, hogy jelz\u00e1loghitelt kapjon a bankt\u00f3l, fontos l\u00e9p\u00e9seket kell k\u00f6vetnie:<\/p>

Hat\u00e1rozza meg a k\u00f6lts\u00e9gvet\u00e9s\u00e9t:<\/strong>\u00a0Miel\u0151tt jelz\u00e1loghitelt ig\u00e9nyelne, meg kell \u00e9rtenie, hogy mennyi p\u00e9nzt engedhet meg mag\u00e1nak. Vegye figyelembe bev\u00e9teleit, kiad\u00e1sait \u00e9s megtakar\u00edt\u00e1sait, hogy meghat\u00e1rozhassa a lak\u00e1sv\u00e1s\u00e1rl\u00e1s k\u00f6lts\u00e9gvet\u00e9s\u00e9t.

Jelz\u00e1loghitel lehet\u0151s\u00e9gek kutat\u00e1sa<\/strong>: A bankok k\u00fcl\u00f6nb\u00f6z\u0151 t\u00edpus\u00fa jelz\u00e1loghiteleket k\u00edn\u00e1lnak, mindegyiknek saj\u00e1t felt\u00e9telei \u00e9s kamatl\u00e1bai vannak. N\u00e9zzen ut\u00e1na a k\u00fcl\u00f6nb\u00f6z\u0151 hitelez\u0151knek, \u00e9s hasonl\u00edtsa \u00f6ssze a jelz\u00e1loghitel-opci\u00f3kat, hogy megtal\u00e1lja az \u00d6n ig\u00e9nyeinek megfelel\u0151t. A leggyakoribb t\u00edpusok k\u00f6z\u00e9 tartoznak a fix kamatoz\u00e1s\u00fa \u00e9s az \u00e1ll\u00edthat\u00f3 kamatoz\u00e1s\u00fa jelz\u00e1loghitelek.<\/p>

Gy\u0171jtse \u00f6ssze a sz\u00fcks\u00e9ges dokumentumokat<\/strong>: Jelz\u00e1loghitel ig\u00e9nyl\u00e9s\u00e9hez konkr\u00e9t dokumentumokat kell beny\u00fajtania, hogy bemutassa p\u00e9nz\u00fcgyi helyzet\u00e9t. Ezek k\u00f6z\u00e9 tartozhat a j\u00f6vedelemigazol\u00e1s (p\u00e9ld\u00e1ul a fizet\u00e9si csekkek vagy ad\u00f3bevall\u00e1sok), banksz\u00e1mlakivonatok, szem\u00e9lyi igazolv\u00e1nyok, a foglalkoztat\u00e1s igazol\u00e1sa, valamint a megl\u00e9v\u0151 ad\u00f3ss\u00e1gok vagy hitelek r\u00e9szletei.<\/p>

Keressen egy ingatlant \u00e9s tegyen aj\u00e1nlatot<\/strong>: Miut\u00e1n ismeri a k\u00f6lts\u00e9gvet\u00e9s\u00e9t, kezdje el keresni a megfelel\u0151 h\u00e1zat. Dolgozhat ingatlan\u00fcgyn\u00f6kkel, vagy kereshet online list\u00e1kat. Amikor megtal\u00e1lja a h\u00e1zat, amelyet meg szeretne v\u00e1s\u00e1rolni, tegyen aj\u00e1nlatot az elad\u00f3nak.<\/p>

Jelentkezzen jelz\u00e1loghitel\u00e9rt:<\/strong>\u00a0Miut\u00e1n az aj\u00e1nlat\u00e1t elfogadt\u00e1k, hivatalosan is k\u00e9relmeznie kell a jelz\u00e1loghitelt a kiv\u00e1lasztott bankn\u00e1l. K\u00fcldje be az \u00f6sszes sz\u00fcks\u00e9ges dokumentumot, \u00e9s t\u00f6ltse ki az ig\u00e9nyl\u0151lapokat. A bank megvizsg\u00e1lja a k\u00e9relm\u00e9t, bele\u00e9rtve a hitelt\u00f6rt\u00e9net\u00e9t, a foglalkoztat\u00e1si stabilit\u00e1s\u00e1t \u00e9s a p\u00e9nz\u00fcgyi adatait.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Lak\u00e1st\u00e1rsul\u00e1son (hollandul: \"woningcorporatie\") kereszt\u00fcl t\u00f6rt\u00e9n\u0151 lak\u00e1sszerz\u00e9s<\/strong><\/h3>

\u00a0<\/p>

\u00c1ltal\u00e1ban nincs el\u00e9g p\u00e9nzed arra, hogy h\u00e1zat vegy\u00e9l. A hollandiai lak\u00e1ssz\u00f6vetkezeten kereszt\u00fcl t\u00f6rt\u00e9n\u0151 h\u00e1zszerz\u00e9s jellemz\u0151en a k\u00f6vetkez\u0151 l\u00e9p\u00e9sekb\u0151l \u00e1ll:

Kezdje a lak\u00e1ssz\u00f6vetkezetekkel:<\/strong>\u00a0Kezdje a kutat\u00e1ssal \u00e9s a lak\u00e1ssz\u00f6vetkezetek azonos\u00edt\u00e1s\u00e1val a k\u00edv\u00e1nt helyen. Hollandia-szerte sz\u00e1mos sz\u00f6vetkezet l\u00e9tezik, mindegyiknek megvannak a maga szab\u00e1lyai, k\u00f6vetelm\u00e9nyei \u00e9s rendelkez\u00e9sre \u00e1ll\u00f3 ingatlanjai. Fedezze fel a honlapjaikat, l\u00e9pjen kapcsolatba vel\u00fck k\u00f6zvetlen\u00fcl, vagy l\u00e1togasson el az irod\u00e1ikba, hogy inform\u00e1ci\u00f3kat gy\u0171jts\u00f6n.

Jelentkezzen lakhat\u00e1si enged\u00e9ly\u00e9rt:\u00a0<\/strong>Egyes telep\u00fcl\u00e9seken lakhat\u00e1si enged\u00e9lyre van sz\u00fcks\u00e9g. Ezt az \u00f6nkorm\u00e1nyzatn\u00e1l k\u00e9rheti.
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Megfeleljen a lak\u00e1s\u00e9p\u00edt\u0151 t\u00e1rsas\u00e1g k\u00f6vetelm\u00e9nyeinek:\u00a0<\/strong>A lak\u00e1ssz\u00f6vetkezet el\u0151\u00edrhat k\u00f6vetelm\u00e9nyeket a csal\u00e1d m\u00e9ret\u00e9re vonatkoz\u00f3an. Vagy az \u00d6n j\u00f6vedelm\u00e9nek szintj\u00e9t.

Tags\u00e1g \u00e9s regisztr\u00e1ci\u00f3:<\/strong>\u00a0A lak\u00e1ssz\u00f6vetkezetben val\u00f3 r\u00e9szv\u00e9telhez \u00e1ltal\u00e1ban tagg\u00e1 kell v\u00e1lnia. Ellen\u0151rizze a tags\u00e1gra vonatkoz\u00f3 konkr\u00e9t k\u00f6vetelm\u00e9nyeket, amelyek tartalmazhatnak olyan krit\u00e9riumokat, mint a j\u00f6vedelemhat\u00e1r vagy egy\u00e9b jogosults\u00e1gi felt\u00e9telek. Regisztr\u00e1ljon a sz\u00f6vetkezetbe a sz\u00fcks\u00e9ges dokumentumok beny\u00fajt\u00e1s\u00e1val \u00e9s az esetleges jelentkez\u00e9si lapok kit\u00f6lt\u00e9s\u00e9vel.

V\u00e1r\u00f3list\u00e1kra val\u00f3 feliratkoz\u00e1s:<\/strong>\u00a0A lak\u00e1ssz\u00f6vetkezetek gyakran v\u00e1r\u00f3list\u00e1t vezetnek a rendelkez\u00e9sre \u00e1ll\u00f3 ingatlanokra. Ha egyszer tagg\u00e1 v\u00e1lik, el\u0151fordulhat, hogy fel kell iratkoznia a v\u00e1r\u00f3list\u00e1ra az \u00d6nt \u00e9rdekl\u0151 konkr\u00e9t ingatlant\u00edpusok vagy v\u00e1rosr\u00e9szek eset\u00e9ben. A v\u00e1rakoz\u00e1si id\u0151 nagyon elt\u00e9r\u0151 lehet, a kereslett\u0151l \u00e9s a rendelkez\u00e9sre \u00e1ll\u00e1st\u00f3l f\u00fcgg\u0151en n\u00e9h\u00e1ny h\u00f3napt\u00f3l ak\u00e1r t\u00f6bb \u00e9vig is terjedhet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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lak\u00e1ssz\u00f6vetkezet (arab sz\u00f6veg)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Funda honlapja<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Lak\u00e1sv\u00e1s\u00e1rl\u00e1s br\u00f3kerrel (hollandul: \"makelaar\")<\/strong><\/h3>

\u00a0<\/p>

Ha k\u00f6zvet\u00edt\u0151vel v\u00e1s\u00e1rol h\u00e1zat, itt van n\u00e9h\u00e1ny fontos szempont, amit figyelembe kell vennie:
V\u00e1lasszon j\u00f3 h\u00edr\u0171 \u00e9s tapasztalt br\u00f3kert: Sz\u00e1njon id\u0151t a kutat\u00e1sra, \u00e9s v\u00e1lasszon egy j\u00f3 h\u00edr\u0171 \u00e9s tapasztalt ingatlank\u00f6zvet\u00edt\u0151t. Keressen aj\u00e1nl\u00e1sokat, olvassa el az \u00e9rt\u00e9kel\u00e9seket, \u00e9s vegye figyelembe a piacon el\u00e9rt eredm\u00e9nyeiket. Egy megb\u00edzhat\u00f3 br\u00f3ker \u00e9rt\u00e9kes \u00fatmutat\u00e1st \u00e9s t\u00e1mogat\u00e1st ny\u00fajthat a v\u00e1s\u00e1rl\u00e1si folyamat sor\u00e1n.

Vil\u00e1gosan k\u00f6z\u00f6lje ig\u00e9nyeit \u00e9s preferenci\u00e1it:<\/strong>\u00a0Tiszt\u00e1zza a k\u00f6zvet\u00edt\u0151vel az ig\u00e9nyeit, preferenci\u00e1it \u00e9s a k\u00f6lts\u00e9gvet\u00e9s\u00e9t.
Hozz\u00e1f\u00e9r\u00e9s a list\u00e1khoz \u00e9s a piaci inform\u00e1ci\u00f3khoz: A br\u00f3ker hozz\u00e1f\u00e9r az ingatlanlist\u00e1k sz\u00e9les k\u00f6r\u00e9hez \u00e9s a naprak\u00e9sz piaci inform\u00e1ci\u00f3khoz.

Ingatlanok megtekint\u00e9se \u00e9s ellen\u0151rz\u00e9se:<\/strong>\u00a0A br\u00f3kere be\u00fctemezi a potenci\u00e1lis h\u00e1zak megtekint\u00e9s\u00e9t. Vegyen r\u00e9szt ezeken a megtekint\u00e9seken a br\u00f3ker\u00e9vel, \u00e9s alaposan vizsg\u00e1lja meg az ingatlant.

T\u00e1rgyal\u00e1s \u00e9s aj\u00e1nlatk\u00e9sz\u00edt\u00e9s:<\/strong>\u00a0Ha megtal\u00e1lja az \u00d6nt \u00e9rdekl\u0151 h\u00e1zat, a br\u00f3ker seg\u00edt \u00d6nnek az aj\u00e1nlat elk\u00e9sz\u00edt\u00e9s\u00e9ben \u00e9s az elad\u00f3val val\u00f3 t\u00e1rgyal\u00e1sban. \u00datmutat\u00e1st tud adni az \u00e1rk\u00e9pz\u00e9ssel, a piaci felt\u00e9telekkel \u00e9s az aj\u00e1nlat felt\u00e9teleivel kapcsolatban. B\u00edzzon az \u0151 szak\u00e9rtelm\u00fckben, hogy seg\u00edtsenek \u00d6nnek tisztess\u00e9ges \u00fczletet k\u00f6tni.

Szerz\u0151d\u00e9ses \u00e9s jogi megfontol\u00e1sok:<\/strong>\u00a0Miut\u00e1n az aj\u00e1nlat\u00e1t elfogadt\u00e1k, a br\u00f3ker seg\u00edt \u00d6nnek a szerz\u0151d\u00e9s fel\u00fclvizsg\u00e1lat\u00e1ban \u00e9s annak biztos\u00edt\u00e1s\u00e1ban, hogy minden jogi szempont rendben legyen. \u00d6nnel \u00e9s jogi k\u00e9pvisel\u0151j\u00e9vel egy\u00fctt tudnak egy\u00fcttm\u0171k\u00f6dni az esetlegesen felmer\u00fcl\u0151 probl\u00e9m\u00e1k kezel\u00e9se, a felt\u00e9telek tiszt\u00e1z\u00e1sa \u00e9s a z\u00f6kken\u0151mentes tranzakci\u00f3 biztos\u00edt\u00e1sa \u00e9rdek\u00e9ben.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tfolytat\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Each mortgage is related to a percentage To get a mortgage (Dutch: “hypotheek”) If you buy a house, usually you need a mortgage (loan). To get a mortgage from the bank, there are important steps to follow: Figure out your budget:\u00a0Before applying for a mortgage, you need to understand how much money you can afford […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":3311,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4132","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/pages\/4132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/comments?post=4132"}],"version-history":[{"count":19,"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/pages\/4132\/revisions"}],"predecessor-version":[{"id":6256,"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/pages\/4132\/revisions\/6256"}],"up":[{"embeddable":true,"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/pages\/3311"}],"wp:attachment":[{"href":"https:\/\/mijn-lo.nl\/hu\/wp-json\/wp\/v2\/media?parent=4132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}