{"id":173153,"date":"2026-10-19T18:21:02","date_gmt":"2026-10-19T18:21:02","guid":{"rendered":"https:\/\/friss-hirek.hu\/index.php\/akar-94-millioval-kisebb-hitelt-kaphatnak-a-lakasvasarlok-2027-tol-mutatjuk-kik-jarnak-a-legrosszabbul\/friss-hirek\/"},"modified":"2026-10-19T18:21:02","modified_gmt":"2026-10-19T18:21:02","slug":"akar-94-millioval-kisebb-hitelt-kaphatnak-a-lakasvasarlok-2027-tol-mutatjuk-kik-jarnak-a-legrosszabbul","status":"publish","type":"post","link":"https:\/\/friss-hirek.hu\/index.php\/akar-94-millioval-kisebb-hitelt-kaphatnak-a-lakasvasarlok-2027-tol-mutatjuk-kik-jarnak-a-legrosszabbul\/uzlet\/","title":{"rendered":"Ak\u00e1r 9,4 milli\u00f3val kisebb hitelt kaphatnak a lak\u00e1sv\u00e1s\u00e1rl\u00f3k 2027-t\u0151l \u2013 mutatjuk, kik j\u00e1rnak a legrosszabbul"},"content":{"rendered":"<p><strong>2027-t\u0151l a Wekerle+ hitel v\u00e1ltja az Otthon Startot, \u00e9s a lak\u00e1sv\u00e1s\u00e1rl\u00f3k t\u00f6bbs\u00e9ge rosszabbul j\u00e1r: haszn\u00e1lt lak\u00e1sra 3 helyett 5 sz\u00e1zal\u00e9k lesz a fix kamat, 41 \u00e9v felett pedig nem lehet t\u00e1mogatott hitelt felvenni, ugyanakkor az \u00f6ner\u0151 \u00f6sszegy\u0171jt\u00e9s\u00e9t a kor\u00e1bbin\u00e1l jobban t\u00e1mogatja a korm\u00e1ny. <\/strong><\/p><div id=\"friss-4166694012\" 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>Magyar P\u00e9ter minisztereln\u00f6k a <a href=\"https:\/\/www.forbes.hu\/uzlet\/koltsegvetes-2027-nyertesek-vesztesek\/\">2027-es k\u00f6lts\u00e9gvet\u00e9s <\/a>parlamenti ismertet\u00e9s\u00e9n jelentette be, hogy az Otthon Start hely\u00e9re a Wekerle+ v\u00e1s\u00e1rl\u00e1si \u00e9s \u00e9p\u00edt\u00e9si hitel l\u00e9p. \u00daj lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1ra vagy \u00e9p\u00edt\u00e9s\u00e9re marad a fix 3 sz\u00e1zal\u00e9kos kamat, haszn\u00e1lt lak\u00e1sra viszont fix 5 sz\u00e1zal\u00e9k j\u00e1r. Csak a 18 \u00e9s 41 \u00e9v k\u00f6z\u00f6tti els\u0151 lak\u00e1sv\u00e1s\u00e1rl\u00f3k ig\u00e9nyelhetik, a lak\u00e1sban legal\u00e1bb \u00f6t \u00e9vig \u00e9letvitelszer\u0171en kell lakni, \u00e9s az ig\u00e9nyl\u0151 mellett a h\u00e1zast\u00e1rs ingatlantulajdon\u00e1t is vizsg\u00e1lj\u00e1k. A m\u00e1r megk\u00f6t\u00f6tt Otthon Start-szerz\u0151d\u00e9sek v\u00e1ltozatlan felt\u00e9telekkel maradnak \u00e9rv\u00e9nyben. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Azt m\u00e9g nem k\u00f6z\u00f6lt\u00e9k, mekkora lesz a hitelkeret, a futamid\u0151 \u00e9s az \u00e1rkorl\u00e1t.<\/p>\n<\/blockquote>\n<h2 class=\"wp-block-heading\">\u00cdgy v\u00e1ltozik a t\u00f6rleszt\u0151<\/h2>\n<p>A <a href=\"https:\/\/bankmonitor.hu\/mediatar\/cikk\/9-millioval-kevesebb-hitel-55-ezerrel-dragabb-torleszto-ezt-jelenti-a-gyakorlatban-a-wekerle-hitel\/?utm_source=Bankmonitor+Akt%C3%ADv&amp;utm_campaign=726b3fc9ec-EMAIL_CAMPAIGN_k%C3%B6zlemeny_2026_09_08_COPY_01&amp;utm_medium=email&amp;utm_term=0_-fb5c8f42ef-448134400&amp;mc_cid=726b3fc9ec&amp;mc_eid=c24208ba8b\">Bankmonitor<\/a> az Otthon Start 50 milli\u00f3s keret\u00e9vel \u00e9s 25 \u00e9ves futamidej\u00e9vel sz\u00e1molt. Ezek alapj\u00e1n haszn\u00e1lt lak\u00e1sn\u00e1l a Wekerle+ havi t\u00f6rleszt\u0151je 55 189 forinttal magasabb, a teljes futamid\u0151 alatt 16,6 milli\u00f3 forinttal kell t\u00f6bbet visszafizetni. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A 6,5 sz\u00e1zal\u00e9kos piaci hitelhez k\u00e9pest a 3 sz\u00e1zal\u00e9kos kamat 30,1 milli\u00f3 forintot sp\u00f3rol, az 5 sz\u00e1zal\u00e9kos csak 13,6 milli\u00f3t. A v\u00e1ltoz\u00e1s a v\u00e1s\u00e1rl\u00f3k nagy r\u00e9sz\u00e9t \u00e9rinti, mert a korm\u00e1nyzati adatok szerint az Otthon Start els\u0151 sz\u00e1z napj\u00e1ban vett lak\u00e1sok 90 sz\u00e1zal\u00e9ka haszn\u00e1lt volt.<\/p>\n<\/blockquote>\n<p>A magasabb kamat a hitelkeretet is sz\u0171k\u00edti, mert a jegybanki ad\u00f3ss\u00e1gf\u00e9k (JTM) a j\u00f6vedelemhez k\u00f6ti a v\u00e1llalhat\u00f3 t\u00f6rleszt\u0151t. A medi\u00e1nb\u00e9rrel egyed\u00fcl 45,3 milli\u00f3 forint Otthon Start hitelt lehetett felvenni, a Wekerle+ programban haszn\u00e1lt lak\u00e1sra m\u00e1r csak 36,8 milli\u00f3t. Az vesz\u00edt a legt\u00f6bbet, aki nett\u00f3 474 211 forintot keres, vagyis \u00e9ppen el\u00e9g az Otthon Start teljes keret\u00e9hez: <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>neki 50 helyett 40,6 milli\u00f3 jutna, ami 9,4 milli\u00f3 forinttal kevesebb. <\/p>\n<\/blockquote>\n<p>Egyed\u00fcl csak nett\u00f3 584 590 forint felett lehet megkapni a teljes 50 milli\u00f3t, ezt a teljes munkaid\u0151ben dolgoz\u00f3k kevesebb mint 30 sz\u00e1zal\u00e9ka keresi meg. Az Otthon Startn\u00e1l ez az ar\u00e1ny m\u00e9g 40 sz\u00e1zal\u00e9k f\u00f6l\u00f6tt volt.<\/p>\n<h2 class=\"wp-block-heading\">Kiket s\u00fajt a szigor\u00edt\u00e1s?<\/h2>\n<p>A szigor\u00edt\u00e1s legink\u00e1bb az alacsonyabb kereset\u0171eket, a befektet\u0151ket \u00e9s a 41 \u00e9v felettieket s\u00fajtja. Az als\u00f3 j\u00f6vedelmi tizedekben a 3 sz\u00e1zal\u00e9kos kamat kev\u00e9ss\u00e9 seg\u00edt, mert az csak \u00faj lak\u00e1sra j\u00e1r. A KSH szerint \u00faj lak\u00e1s 2025-ben \u00e1tlagosan 81,3 milli\u00f3 forintba ker\u00fclt, haszn\u00e1lt 41,6 milli\u00f3ba. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A bentlak\u00e1si k\u00f6telezetts\u00e9g \u00e9s a tulajdoni felt\u00e9tel miatt befektet\u00e9si c\u00e9lra is sokkal nehezebb lesz t\u00e1mogatott hitellel lak\u00e1st venni. <\/p>\n<\/blockquote>\n<p>Ezzel a korm\u00e1ny arra reag\u00e1l, hogy az Otthon Start hitelek 59 sz\u00e1zal\u00e9ka a legmagasabb j\u00f6vedelm\u0171 tizedhez ker\u00fclt. A 41 \u00e9v felettieknek csak piaci hitel marad: a medi\u00e1nb\u00e9rrel \u00edgy 13,5 milli\u00f3 forinttal kisebb a keret\u00fck. Az Otthon Start els\u0151 sz\u00e1z napj\u00e1ban az ig\u00e9nyl\u0151k 20 sz\u00e1zal\u00e9ka volt 40 \u00e9v feletti.<\/p>\n<p>Van azonban ellens\u00faly is: az \u00f6ner\u0151 \u00f6sszegy\u0171jt\u00e9s\u00e9t a Wekerle+ lak\u00e1stakar\u00e9k seg\u00edti. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Ebben az \u00e1llam az els\u0151 \u00f6t \u00e9vben a befizet\u00e9sek 10, a hatodik \u00e9vt\u0151l 20 sz\u00e1zal\u00e9k\u00e1val eg\u00e9sz\u00edti ki a megtakar\u00edt\u00e1st. <\/p>\n<\/blockquote>\n<p>Aki nagyobb keretet szeretne, bevonhat ad\u00f3st\u00e1rsat, vagy az ig\u00e9nyl\u00e9s el\u0151tt megsz\u00fcntetheti a nem haszn\u00e1lt hitelk\u00e1rtya- \u00e9s foly\u00f3sz\u00e1mlahitel-keret\u00e9t, mert ezeket a bank akkor is besz\u00e1m\u00edtja, ha egy forintot sem k\u00f6lt bel\u0151l\u00fck.<\/p>\n<p><!-- No email blocks found --><\/p>\n<p>The post <a href=\"https:\/\/www.forbes.hu\/penz\/lakasvasarlas-torleszto-wekerle-hitel\/\">Ak\u00e1r 9,4 milli\u00f3val kisebb hitelt kaphatnak a lak\u00e1sv\u00e1s\u00e1rl\u00f3k 2027-t\u0151l \u2013 mutatjuk, kik j\u00e1rnak a legrosszabbul<\/a> appeared first on <a href=\"https:\/\/www.forbes.hu\/\">Forbes.hu<\/a>.<\/p><div id=\"friss-387226412\" 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 n=o.offsetTop,d=o.offsetLeft,r=o.offsetWidth,a=o.offsetHeight;o.offsetParent;)o=o.offsetParent,n+=o.offsetTop,d+=o.offsetLeft;var 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id=\"friss-2977425995\" class=\"friss-after-content_3 friss-entity-placement\">https:\/\/www.youtube.com\/watch?v=Pdnw4KiUWp0<\/div>","protected":false},"excerpt":{"rendered":"<p>2027-t\u0151l a Wekerle+ hitel v\u00e1ltja az Otthon Startot, \u00e9s a lak\u00e1sv\u00e1s\u00e1rl\u00f3k t\u00f6bbs\u00e9ge rosszabbul j\u00e1r: haszn\u00e1lt lak\u00e1sra 3 helyett 5 sz\u00e1zal\u00e9k lesz a fix kamat, 41 \u00e9v felett pedig nem lehet t\u00e1mogatott hitelt felvenni, ugyanakkor az \u00f6ner\u0151 \u00f6sszegy\u0171jt\u00e9s\u00e9t a kor\u00e1bbin\u00e1l jobban t\u00e1mogatja a korm\u00e1ny. Magyar P\u00e9ter minisztereln\u00f6k a 2027-es k\u00f6lts\u00e9gvet\u00e9s parlamenti ismertet\u00e9s\u00e9n jelentette be, hogy az [&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-173153","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\/173153","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=173153"}],"version-history":[{"count":0,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/posts\/173153\/revisions"}],"wp:attachment":[{"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/media?parent=173153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/categories?post=173153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/friss-hirek.hu\/index.php\/wp-json\/wp\/v2\/tags?post=173153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}