{"id":171321,"date":"2026-09-08T08:18:11","date_gmt":"2026-09-08T08:18:11","guid":{"rendered":"https:\/\/friss-hirek.hu\/index.php\/mit-tegyel-ha-elkoltoznel-otthon-startos-ingatlanodbol\/friss-hirek\/"},"modified":"2026-09-08T08:18:11","modified_gmt":"2026-09-08T08:18:11","slug":"mit-tegyel-ha-elkoltoznel-otthon-startos-ingatlanodbol","status":"publish","type":"post","link":"https:\/\/friss-hirek.hu\/index.php\/mit-tegyel-ha-elkoltoznel-otthon-startos-ingatlanodbol\/uzlet\/","title":{"rendered":"Mit tegy\u00e9l, ha elk\u00f6lt\u00f6zn\u00e9l Otthon Startos ingatlanodb\u00f3l?"},"content":{"rendered":"<p><strong>Az Otthon Starttal finansz\u00edrozott ingatlanok k\u00f6zel fele Budapesthez vagy Pest v\u00e1rmegy\u00e9hez k\u00f6t\u0151dik.<\/strong> <strong>De mi t\u00f6rt\u00e9nik akkor, ha az els\u0151 lak\u00e1st n\u00e9h\u00e1ny \u00e9v m\u00falva kin\u00f6vi a tulajdonosa, \u00e9s nagyobb ingatlanba vagy m\u00e1sik telep\u00fcl\u00e9sre k\u00f6lt\u00f6zne? <\/strong><\/p><div id=\"friss-1223969907\" class=\"friss-etarget friss-entity-placement\"><script type=\"text\/javascript\" id=\"etargetScript7a9b589f63cb072bef80df221f46a22b\">function etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b(){var e=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",t=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",o=document.getElementById(e);if(o){for(var n=o.offsetTop,d=o.offsetLeft,r=o.offsetWidth,a=o.offsetHeight;o.offsetParent;)o=o.offsetParent,n+=o.offsetTop,d+=o.offsetLeft;var i=(n<=window.pageYOffset+window.innerHeight&&d<window.pageXOffset+window.innerWidth&&n+a>window.pageYOffset&&d+r>window.pageXOffset);if(i&&etargetAllowOtherCheck){allowed=!1;var c=document.createElement(\"script\");return c.src=\"\/\/hu.search.etargetnet.com\/generic\/uni.php?g=ref:58661,area:700x210\",void(document.getElementById(t)&&document.getElementById(e)&&(document.getElementById(t).parentNode.appendChild(c),document.getElementById(t).parentNode.removeChild(document.getElementById(t)),document.getElementById(e).parentNode.removeChild(document.getElementById(e)),document.removeEventListener(\"scroll\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.removeEventListener(\"resize\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.removeEventListener(\"DOMContentLoaded\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b)))}}}var etargetDivID=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",etargetScriptID=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",etargetPostloadPoint=document.createElement(\"div\");etargetPostloadPoint.id=etargetDivID;var etargetCurScript=document.getElementById(etargetScriptID);etargetCurScript.parentNode.appendChild(etargetPostloadPoint),document.addEventListener(\"scroll\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.addEventListener(\"resize\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b),document.addEventListener(\"DOMContentLoaded\",etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b);var etargetAllowOtherCheck=!0;if(typeof(\"forceRunPostload\")==\"string\"){etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b()}<\/script><\/div>\n<p><strong>Mi t\u00f6rt\u00e9nt? <\/strong>Az Otthon Starttal finansz\u00edrozott ingatlanok k\u00f6zel fele Budapesthez vagy Pest v\u00e1rmegy\u00e9hez k\u00f6t\u0151dik. Az MNB adatai szerint a szerz\u0151d\u00e9sek k\u00f6zel 30 sz\u00e1zal\u00e9ka budapesti, tov\u00e1bbi 14 sz\u00e1zal\u00e9ka Pest v\u00e1rmegyei ingatlanra sz\u00f3lt, az \u00e1tlagos hitel\u00f6sszeg pedig mintegy 35 milli\u00f3 forint. De mi t\u00f6rt\u00e9nik akkor, ha az els\u0151 lak\u00e1st n\u00e9h\u00e1ny \u00e9v m\u00falva kin\u00f6vi a tulajdonosa, \u00e9s nagyobb ingatlanba vagy m\u00e1sik telep\u00fcl\u00e9sre k\u00f6lt\u00f6zne? A <a href=\"https:\/\/ingatlan-dot-yamm-track.appspot.com\/2c70zRhrK8y9auylVlacdFkvG1u2yrqoS8wZwq0WqqgN1bH9_oAEC5awzFcKpR2X-8NWJDJ0NbJZZchiKx27rQ1FQol3nyPOBjxzipTYhS5UH9KZwi81lqnSS1C82IDY-qbE0K1n9m0Ka17sKPYVNGK0Df7H62De0EIpu_SsI4otiy4g\" target=\"_blank\" rel=\"noreferrer noopener\">money.hu<\/a> Forbes.hu-nak is eljuttatott k\u00f6zlem\u00e9ny\u00e9ben \u00f6sszefoglalta, milyen lehet\u0151s\u00e9gei vannak annak, aki a kedvezm\u00e9nyes, fix 3 sz\u00e1zal\u00e9kos hitel\u00e9t is szeretn\u00e9 megtartani.<\/p>\n<div class=\"related-post-links\">\n<p>\t\t<span class=\"related-post-links__title minititle\">T\u00f6bb ebb\u0151l<\/span><\/p>\n<div class=\"related-post-links__link-wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.forbes.hu\/hirek\/lakasok-kormany-tobb-kiemelt-beruhazas-elado-haz\/\" class=\"related-post-links__link\">J\u00f6hetnek a megfizethet\u0151 lak\u00e1sok? \u00daj programot ind\u00edt a korm\u00e1ny, t\u00f6bb kiemelt beruh\u00e1z\u00e1s sorsa is k\u00e9rd\u00e9ses<\/a>\n\t\t\t<\/div>\n<div class=\"related-post-links__link-wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.forbes.hu\/penz\/tiz-eve-nem-volt-ilyen-gyenge-augusztus-elfogyott-a-lendulet-a-lakaspiacon\/\" class=\"related-post-links__link\">T\u00edz \u00e9ve nem volt ilyen gyenge augusztus, elfogyott a lend\u00fclet a lak\u00e1spiacon<\/a>\n\t\t\t<\/div>\n<div class=\"related-post-links__link-wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.forbes.hu\/uzlet\/lakas-epitesi-engedely-epitkezes-otthon-start-vitezy\/\" class=\"related-post-links__link\">Fell\u00e9legezhetnek a vev\u0151k: a korm\u00e1ny nem \u00e1ll\u00edtja le a joger\u0151s \u00e9p\u00edt\u00e9si enged\u00e9llyel rendelkez\u0151 lak\u00e1s\u00e9p\u00edt\u00e9seket<\/a>\n\t\t\t<\/div>\n<\/div>\n<p><strong>Kontextus. <\/strong>Az Otthon Startos szerz\u0151d\u00e9sek d\u00f6nt\u0151 t\u00f6bbs\u00e9g\u00e9t legal\u00e1bb 20 \u00e9vre, jelent\u0151s r\u00e9sz\u00e9t pedig 25 \u00e9ves futamid\u0151re k\u00f6tik. Ennyi id\u0151 alatt term\u00e9szetes, hogy megv\u00e1ltozhat az \u00fcgyf\u00e9l \u00e9lethelyzete. \u201eEgy els\u0151 lak\u00e1s megv\u00e1s\u00e1rl\u00e1sakor sokan m\u00e9g nem tudj\u00e1k, hogy \u00f6t-t\u00edz \u00e9v m\u00falva mekkora ingatlanra lesz sz\u00fcks\u00e9g\u00fck vagy hol szeretn\u00e9nek \u00e9lni. Ez\u00e9rt egy hossz\u00fa futamidej\u0171 hiteln\u00e9l azt is \u00e9rdemes el\u0151re l\u00e1tni, milyen lehet\u0151s\u00e9geink vannak akkor, ha k\u00e9s\u0151bb tov\u00e1bbk\u00f6lt\u00f6zn\u00e9nk\u201d \u2013 mondta a k\u00f6zlem\u00e9ny szerint Garam D\u00e1niel, a money.hu hitelszak\u00e9rt\u0151je.<\/p>\n<p><strong>Ez a kritikus pont. <\/strong>Az Otthon Start nem \u00edr el\u0151 bentlak\u00e1si k\u00f6telezetts\u00e9get, vagyis \u00f6nmag\u00e1ban a k\u00f6lt\u00f6z\u00e9s nem jelent probl\u00e9m\u00e1t. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Az Otthon Starttal megv\u00e1s\u00e1rolt ingatlanra ugyanakkor \u00f6t \u00e9vre elidegen\u00edt\u00e9si \u00e9s terhel\u00e9si tilalom ker\u00fcl. <\/p>\n<\/blockquote>\n<p>Ha az eredeti hitelc\u00e9l ingatlant ebben az id\u0151szakban \u00e9rt\u00e9kes\u00edtik, annak jelent\u0151s p\u00e9nz\u00fcgyi k\u00f6vetkezm\u00e9nye lehet: az addig ig\u00e9nybe vett kamatt\u00e1mogat\u00e1st b\u00fcntet\u0151kamattal n\u00f6velten vissza kell fizetni, \u00e9s a kedvezm\u00e9nyes kamatt\u00e1mogat\u00e1s is megsz\u0171nik. Egy 50 milli\u00f3 forintos, 25 \u00e9ves Otthon Start hiteln\u00e9l a negyedik \u00e9v k\u00f6rny\u00e9k\u00e9n ez m\u00e1r nagys\u00e1grendileg t\u00f6bb milli\u00f3 forintos, ak\u00e1r 10 milli\u00f3 forinthoz k\u00f6zel\u00edt\u0151 visszafizet\u00e9si k\u00f6telezetts\u00e9get is jelenthet.<\/p>\n<p><strong>Miut\u00e1n letelt az \u00f6t \u00e9v. <\/strong> Az \u00f6t\u00e9ves id\u0151szak lej\u00e1rta ut\u00e1n m\u00e1r m\u00e1s a helyzet. Ha az \u00fcgyf\u00e9l nagyobb vagy m\u00e1sik ingatlanba k\u00f6lt\u00f6zne, a megl\u00e9v\u0151 Otthon Start hitelt nem felt\u00e9tlen\u00fcl kell lez\u00e1rnia. A megold\u00e1s a fedezetcsere: a hitel megmarad, mik\u00f6zben a kor\u00e1bbi ingatlan helyett egy m\u00e1sik, nagyobb \u00e9rt\u00e9k\u0171 ingatlan ker\u00fcl a bank fedezet\u00e9be. Ha a bank elfogadja az \u00faj fedezetet, a kamatt\u00e1mogat\u00e1si jogosults\u00e1g is fennmaradhat, \u00edgy a hitel tov\u00e1bbra is a kedvezm\u00e9nyes, fix 3 sz\u00e1zal\u00e9kos kamattal t\u00f6rleszthet\u0151. A fedezetcsere ugyanakkor nem egyik ingatlanr\u00f3l a m\u00e1sikra t\u00f6rt\u00e9n\u0151 egyszer\u0171 \u201e\u00e1tjegyz\u00e9s\u201d. Az \u00fajonnan megv\u00e1s\u00e1roland\u00f3 lak\u00e1s a v\u00e1s\u00e1rl\u00e1s el\u0151tt m\u00e9g nincs az \u00fcgyf\u00e9l tulajdon\u00e1ban, ez\u00e9rt arra a megl\u00e9v\u0151 hitel jelz\u00e1logjoga sem jegyezhet\u0151 \u00e1t azonnal. Emiatt a gyakorlatban \u00e1tmeneti fedezetre van sz\u00fcks\u00e9g. <\/p>\n<p>Ez lehet p\u00e9ld\u00e1ul egy csal\u00e1dtag megfelel\u0151 \u00e9rt\u00e9k\u0171 ingatlana, amelyet a bank ideiglenesen bevon a hitelbe. A r\u00e9gi lak\u00e1s \u00edgy \u00e9rt\u00e9kes\u00edthet\u0151, az \u00faj ingatlan megv\u00e1s\u00e1rolhat\u00f3, majd amikor annak tulajdonjoga m\u00e1r bejegyezhet\u0151, a hitel fedezete arra cser\u00e9lhet\u0151 \u00e1t. A folyamat banki j\u00f3v\u00e1hagy\u00e1st, \u00e9rt\u00e9kbecsl\u00e9st \u00e9s megfelel\u0151 id\u0151z\u00edt\u00e9st ig\u00e9nyel, ez\u00e9rt a tov\u00e1bbk\u00f6lt\u00f6z\u00e9st \u00e9rdemes m\u00e1r az ad\u00e1sv\u00e9teli szerz\u0151d\u00e9sek al\u00e1\u00edr\u00e1sa el\u0151tt egyeztetni a finansz\u00edroz\u00f3 bankkal.<\/p>\n<p>Tov\u00e1bbi fontos szempont, hogy az Otthon Start hitelt egy szem\u00e9ly csak egy alkalommal veheti ig\u00e9nybe. Ha valaki a megl\u00e9v\u0151 hitel\u00e9t lez\u00e1rja, k\u00e9s\u0151bb egy \u00fajabb lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1hoz m\u00e1r nem ig\u00e9nyelhet ism\u00e9t Otthon Startot.<\/p>\n<p><!-- No email blocks found --><\/p>\n<p>The post <a href=\"https:\/\/www.forbes.hu\/uzlet\/mit-tegyel-ha-tovabb-koltoznel-otthon-startos-ingatlanodbol\/\">Mit tegy\u00e9l, ha elk\u00f6lt\u00f6zn\u00e9l Otthon Startos ingatlanodb\u00f3l?<\/a> appeared first on <a href=\"https:\/\/www.forbes.hu\/\">Forbes.hu<\/a>.<\/p><div id=\"friss-1597241018\" class=\"friss-etarget-cikk-vege friss-entity-placement\"><script type=\"text\/javascript\" id=\"etargetScript7a9b589f63cb072bef80df221f46a22b\">function etargetPostloadFunction7a9b589f63cb072bef80df221f46a22b(){var e=\"etargetPostload7a9b589f63cb072bef80df221f46a22b\",t=\"etargetScript7a9b589f63cb072bef80df221f46a22b\",o=document.getElementById(e);if(o){for(var 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id=\"friss-922275445\" class=\"friss-after-content_3 friss-entity-placement\">https:\/\/www.youtube.com\/watch?v=Pdnw4KiUWp0<\/div>","protected":false},"excerpt":{"rendered":"<p>Az Otthon Starttal finansz\u00edrozott ingatlanok k\u00f6zel fele Budapesthez vagy Pest v\u00e1rmegy\u00e9hez k\u00f6t\u0151dik. De mi t\u00f6rt\u00e9nik akkor, ha az els\u0151 lak\u00e1st n\u00e9h\u00e1ny \u00e9v m\u00falva kin\u00f6vi a tulajdonosa, \u00e9s nagyobb ingatlanba vagy m\u00e1sik telep\u00fcl\u00e9sre k\u00f6lt\u00f6zne? Mi t\u00f6rt\u00e9nt? Az Otthon Starttal finansz\u00edrozott ingatlanok k\u00f6zel fele Budapesthez vagy Pest v\u00e1rmegy\u00e9hez k\u00f6t\u0151dik. Az MNB adatai szerint a szerz\u0151d\u00e9sek k\u00f6zel 30 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-171321","post","type-post","status-publish","format-standard","hentry","category-uzlet"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/171321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/comments?post=171321"}],"version-history":[{"count":0,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/171321\/revisions"}],"wp:attachment":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/media?parent=171321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/categories?post=171321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/tags?post=171321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}