{"id":4380,"date":"2019-05-16T16:07:45","date_gmt":"2019-05-16T14:07:45","guid":{"rendered":"https:\/\/financera.hu\/?page_id=4380"},"modified":"2024-05-26T23:35:14","modified_gmt":"2024-05-26T21:35:14","slug":"epitesi-hitel","status":"publish","type":"page","link":"https:\/\/financera.hu\/hitelek\/epitesi-hitel\/","title":{"rendered":"\u00c9p\u00edt\u00e9si hitel"},"content":{"rendered":"\n

Az \u00e9p\u00edt\u00e9si hitel egy olyan hitelkonstrukci\u00f3, amely az \u00faj ingatlanok meg\u00e9p\u00fcl\u00e9s\u00e9t seg\u00edti el\u0151.<\/strong> Ez a kedvez\u0151 lak\u00e1shitel b\u00e1rki sz\u00e1m\u00e1ra alkalmas, aki rendelkezik telekkel \u00e9s most szeretne \u00e9p\u00edtkez\u00e9sbe kezdeni. <\/p>\n\n\n\n

Az \u00e9p\u00edt\u00e9si hitel jelz\u00e1loghitel, teh\u00e1t ig\u00e9nyl\u00e9skor az \u00e9p\u00fcl\u0151 ingatlanra jelz\u00e1logjog fog ker\u00fclni. <\/p>\n\n\n\n

A t\u00f6bbi lak\u00e1shitelhez hasonl\u00f3an enn\u00e9l a k\u00f6lcs\u00f6nn\u00e9l is elv\u00e1rj\u00e1k az \u00f6ner\u0151 megl\u00e9t\u00e9t, <\/strong>ami legjobb esetben a hitel\u00f6sszeg 10%<\/strong>-\u00e1t teszi ki.<\/p>\n\n\n\n

\u00c9p\u00edt\u00e9si hitel jellemz\u0151i<\/h2>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Az \u00e9p\u00edt\u00e9si hitel a lak\u00e1shitelnek olyan form\u00e1ja, amely szakaszos foly\u00f3s\u00edt\u00e1ssal m\u0171k\u00f6dik. <\/strong>A bank \u00f3vatosabban dolgozik egy lak\u00e1s\u00e9p\u00edt\u00e9si hitel eset\u00e9ben, viszont neki is az a v\u00e9gs\u0151 \u00e9rdeke, hogy az ingatlan meg\u00e9p\u00fclj\u00f6n.<\/p>\n\n\n\n

Ha \u00e9p\u00edteni szeretn\u00e9l, akkor telekkel is kell<\/strong><\/strong> rendelkezned,<\/strong> teh\u00e1t az \u00f6ner\u0151 m\u00e9rt\u00e9k\u00e9be ezt is bele kell sz\u00e1molni. A telek megv\u00e1s\u00e1rl\u00e1s\u00e1t nem tudod az \u00e9p\u00edt\u00e9si hitelb\u0151l finansz\u00edrozni.<\/p>\n\n\n\n

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\u00daj h\u00e1z \u00e9p\u00edt\u00e9s<\/h3>\n\n\n\n

Ha rendelkezel egy telekkel, amire a null\u00e1r\u00f3l szeretn\u00e9l h\u00e1zat \u00e9p\u00edteni, akkor az \u00e9p\u00edt\u00e9si hitel megfelel\u0151 v\u00e1laszt\u00e1s lesz sz\u00e1modra.<\/p>\n<\/div>\n\n\n\n

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Megl\u00e9v\u0151 h\u00e1z kib\u0151v\u00edt\u00e9se<\/h3>\n\n\n\n

Sokan az\u00e9rt ig\u00e9nyelnek \u00e9p\u00edt\u00e9si hitelt, hogy a m\u00e1r megl\u00e9v\u0151 lak\u00e1sukat egy \u00faj t\u00e9rrel vagy emelettel b\u0151v\u00edts\u00e9k ki.<\/p>\n<\/div>\n<\/div>\n\n\n

V\u00e1lassz a legjobb lak\u00e1shitelek k\u00f6z\u00fcl:<\/h3>\n
\n
\n
<\/div>\n
<\/div>\n
<\/div>\n <\/div>\n
\n
\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n \n \n \u00d6sszes\u00edtett \u00e9rt\u00e9kel\u00e9s <\/span>\n <\/th>\n \n \n Hitel\u00f6sszeg<\/span><\/th> \n Futamid\u0151<\/span><\/th> \n THM<\/span><\/th> \n Z\u00f6ld kamatkedvezm\u00e9ny<\/span><\/th> \n \n <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td>\n 1.3<\/span><\/a><\/td>\n 2.000.000 Ft \u2013 55.000.000 Ft<\/span><\/td>\n 5 \u2013 30 \u00e9v<\/span><\/td>\n 6,96% \u2013 7,53%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td>\n 2.9<\/span><\/a><\/td>\n az ingatlan \u00e1r\u00e1nak legfeljebb 80%-a<\/span><\/td>\n 10 \u2013 30 \u00e9v<\/span><\/td>\n 6,70% \u2013 7,20%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td>\n 2.8<\/span><\/a><\/td>\n 500.000 Ft \u2013 130.000.000 Ft<\/span><\/td>\n 6 \u2013 30 \u00e9v<\/span><\/td>\n 3,30 – 7,30%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td>\n 2.5<\/span><\/a><\/td>\n 4.000.000 Ft \u2013 100.000.000 Ft<\/span><\/td>\n 10 – 30 \u00e9v<\/span><\/td>\n 7,01% \u2013 7,15%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td>\n 2.0<\/span><\/a><\/td>\n 1.000.000 Ft \u2013 120.000.000 Ft<\/span><\/td>\n 10 – 25 \u00e9v<\/span><\/td>\n 6,58% \u2013 7,17%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td>\n 1.7<\/span><\/a><\/td>\n 1.000.000 Ft \u2013 80.000.000 Ft<\/span><\/td>\n 5 \u2013 30 \u00e9v<\/span><\/td>\n 7,29% – 8,59%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td>\n 2.4<\/span><\/a><\/td>\n az ingatlan \u00e1r\u00e1nak legfeljebb 80%-a<\/span><\/td>\n 5 \u2013 35 \u00e9v<\/span><\/td>\n 6,46%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
Ig\u00e9nyl\u00e9s<\/th>\n <\/tr>\n <\/thead>\n
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
\n \n C\u00e9g <\/span>\n <\/th>\n \n \n \u00d6sszes\u00edtett \u00e9rt\u00e9kel\u00e9s <\/span>\n <\/th>\n \n Hitel\u00f6sszeg<\/span><\/th> \n Futamid\u0151<\/span><\/th> \n THM<\/span><\/th> \n Z\u00f6ld kamatkedvezm\u00e9ny<\/span><\/th> Ig\u00e9nyl\u00e9s <\/th>\n <\/tr>\n <\/thead>\n
\n aj\u00e1nlott<\/span>\n \n \"MBH\n <\/a><\/td>\n 1.3<\/span><\/a><\/td>\n 2.000.000 Ft \u2013 55.000.000 Ft<\/span><\/td>\n 5 \u2013 30 \u00e9v<\/span><\/td>\n 6,96% \u2013 7,53%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"MagNet\n <\/a><\/td>\n 2.9<\/span><\/a><\/td>\n az ingatlan \u00e1r\u00e1nak legfeljebb 80%-a<\/span><\/td>\n 10 \u2013 30 \u00e9v<\/span><\/td>\n 6,70% \u2013 7,20%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"OTP\n <\/a><\/td>\n 2.8<\/span><\/a><\/td>\n 500.000 Ft \u2013 130.000.000 Ft<\/span><\/td>\n 6 \u2013 30 \u00e9v<\/span><\/td>\n 3,30 – 7,30%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n aj\u00e1nlott<\/span>\n \n \"Erste\n <\/a><\/td>\n 2.5<\/span><\/a><\/td>\n 4.000.000 Ft \u2013 100.000.000 Ft<\/span><\/td>\n 10 – 30 \u00e9v<\/span><\/td>\n 7,01% \u2013 7,15%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Raiffeisen\n <\/a><\/td>\n 2.0<\/span><\/a><\/td>\n 1.000.000 Ft \u2013 120.000.000 Ft<\/span><\/td>\n 10 – 25 \u00e9v<\/span><\/td>\n 6,58% \u2013 7,17%<\/span><\/td>\n Van<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"UniCredit\n <\/a><\/td>\n 1.7<\/span><\/a><\/td>\n 1.000.000 Ft \u2013 80.000.000 Ft<\/span><\/td>\n 5 \u2013 30 \u00e9v<\/span><\/td>\n 7,29% – 8,59%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr>
\n \n \n \"Gr\u00e1nit\n <\/a><\/td>\n 2.4<\/span><\/a><\/td>\n az ingatlan \u00e1r\u00e1nak legfeljebb 80%-a<\/span><\/td>\n 5 \u2013 35 \u00e9v<\/span><\/td>\n 6,46%<\/span><\/td>\n Nincs<\/span><\/td>\n Aj\u00e1nlatok megtekint\u00e9se<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n\n