{"id":2268126,"date":"2025-08-27T12:58:49","date_gmt":"2025-08-27T10:58:49","guid":{"rendered":"https:\/\/www.startlap.hu\/vasarlas\/?p=2268126"},"modified":"2025-08-27T13:04:15","modified_gmt":"2025-08-27T11:04:15","slug":"otthon-start-program-3-szazalekos-hitel","status":"publish","type":"post","link":"https:\/\/www.startlap.hu\/vasarlas\/otthon-start-program-3-szazalekos-hitel\/","title":{"rendered":"V\u00e1ltoztattak a 3 sz\u00e1zal\u00e9kos hitel szab\u00e1lyain &#8211; rengeteg magyart \u00e9rint"},"content":{"rendered":"<p data-start=\"2804\" data-end=\"2890\">A kabinet m\u00e9g az indul\u00e1s el\u0151tti napokban is szigor\u00edtotta az Otthon Start hitel felt\u00e9teleit &#8211; \u00edrja a <strong><a href=\"https:\/\/www.hirstart.hu\/site\/relocate.php?rssid=346&amp;rsspid=3&amp;ctype=rss&amp;id=40096211&amp;chk=467461301854415abcde57f89b5a1d50&amp;url=https%3A%2F%2F444.hu%2F2025%2F08%2F26%2Futolso-pillanatban-szigoritotta-a-kormany-az-otthon-start-hitel-szabalyait%3Futm_source%3Dhirstart%26utm_medium%3Dreferral%26utm_campaign%3Dct\" target=\"_blank\" target=\"_blank\" rel=\"noopener\">444.hu<\/a><\/strong> a Bankmonitorra hivatkozva.<\/p>\n<p data-start=\"2804\" data-end=\"2890\"><div class=\"o-widget m-readMoreWidget -readMore u-shortDecorLineAfter row widget-container _ce_measure_widget bigdata-widget read-more\" data-ce-measure-widget=\"olvass tov\u00e1bb\">\n\t<div class=\"m-readMoreWidget__imgWrapper image-wrapper col-12 col-md-4 no-p\">\n\t\t<a class=\"m-readMoreWidget__imgLink\" href=\"https:\/\/www.startlap.hu\/vasarlas\/villanyszamla-sporolas-elektromos-eszkoz\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/konektor-350x285.jpg\" class=\"m-readMoreWidget__img\">\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"m-readMoreWidget__titleWrapper title-wrapper col-12 col-md-8\">\n\t\t<span class=\"m-readMoreWidget__titleLabel u-shortDecorLineBefore label hidden-sm-up\">Ez is \u00e9rdekelhet:<\/span>\n\t\t<h3 class=\"m-readMoreWidget__title title\">\n\t\t\t<a class=\"m-readMoreWidget__titleLink -secondFont u-bold u-upperCase\" href=\"https:\/\/www.startlap.hu\/vasarlas\/villanyszamla-sporolas-elektromos-eszkoz\/\" >Kapcsold ki ezt a g\u00e9pet \u00e9jszak\u00e1ra, \u00e9s sp\u00f3rolj meg egy havi villanysz\u00e1ml\u00e1t<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/villanyszamla-sporolas-elektromos-eszkoz\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n<p data-start=\"2892\" data-end=\"3137\">A Korm\u00e1nyinf\u00f3n h\u00e9tf\u0151n m\u00e9g arr\u00f3l lehetett hallani, hogy rendelettel hangolj\u00e1k \u00f6ssze a szeptember elsej\u00e9n indul\u00f3 Otthon Start Program \u00e9s m\u00e1s lak\u00e1st\u00e1mogat\u00e1sok szab\u00e1lyait. Kedden azt\u00e1n m\u00e1r a Magyar K\u00f6zl\u00f6nyben publik\u00e1lt rendeletb\u0151l egy\u00e9rtelm\u0171en kider\u00fclt, hogy mik\u00e9nt is szigor\u00edtott\u00e1k a <strong><a href=\"https:\/\/www.startlap.hu\/vasarlas\/harom-szazalekos-lakashitel-reszletek\/\" target=\"_blank\" rel=\"noopener\">3 sz\u00e1zal\u00e9kos hitelhez<\/a><\/strong> kapcsol\u00f3d\u00f3 el\u0151\u00edr\u00e1sokat. Ezzel egy\u00fctt a falusi CSOK ig\u00e9nyl\u0151i viszont j\u00f3 h\u00edrt kaptak a hitelfelv\u00e9tellel kapcsolatban.<\/p>\n<figure id=\"attachment_2268138\" aria-describedby=\"caption-attachment-2268138\" style=\"width: 755px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-article-size-large-image wp-image-2268138\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/lakas_szerzodes_papir_-755x503.jpg\" alt=\"Lak\u00e1sszerz\u0151d\u00e9s al\u00e1\u00edr\u00e1s el\u0151tt\" width=\"755\" height=\"503\" srcset=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/lakas_szerzodes_papir_-755x503.jpg 755w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/lakas_szerzodes_papir_-525x350.jpg 525w, https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/lakas_szerzodes_papir_.jpg 1200w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><figcaption id=\"caption-attachment-2268138\" class=\"wp-caption-text\">Fot\u00f3: Getty Images<\/figcaption><\/figure>\n<p data-start=\"2892\" data-end=\"3137\">A Bankmonitor \u00f6sszefoglal\u00f3ja szerint a v\u00e1ltoztat\u00e1sok f\u0151bb pontjai a k\u00f6vetkez\u0151k:<\/p>\n<ul>\n<li data-start=\"2892\" data-end=\"3137\">Egy szem\u00e9ly csak egyszer vehet r\u00e9szt az Otthon Start Programban: aki felveszi a hitelt, az <strong>m\u00e1s k\u00f6lcs\u00f6nben ad\u00f3st\u00e1rsk\u00e9nt sem jelenhet meg.<\/strong><\/li>\n<li data-start=\"2892\" data-end=\"3137\"><strong>Ad\u00f3st\u00e1rs csak a hitelig\u00e9nyl\u0151 h\u00e1zast\u00e1rsa vagy sz\u00fcl\u0151je lehet<\/strong>, h\u00e1zasp\u00e1r eset\u00e9n pedig mindk\u00e9t f\u00e9l sz\u00fcl\u0151je is beker\u00fclhet a hitel\u00fcgyletbe. Testv\u00e9r p\u00e9ld\u00e1ul m\u00e1r nem lehet ad\u00f3st\u00e1rs.<\/li>\n<li data-start=\"2892\" data-end=\"3137\">Tulajdonjogot kiz\u00e1r\u00f3lag a h\u00e1zast\u00e1rsak szerezhetnek, a sz\u00fcl\u0151 akkor sem, ha ad\u00f3st\u00e1rsk\u00e9nt r\u00e9szt vesz a k\u00f6lcs\u00f6nben.<\/li>\n<li data-start=\"2892\" data-end=\"3137\">A k\u00f6nny\u00edt\u00e9s szerint a hitel r\u00e9sztulajdonra is felvehet\u0151, ha az osztatlan k\u00f6z\u00f6s ingatlanban \u00f6n\u00e1ll\u00f3an forgalomk\u00e9pes lak\u00e1s tal\u00e1lhat\u00f3.<\/li>\n<li data-start=\"2892\" data-end=\"3137\">A falusi CSOK eset\u00e9ben pedig \u00faj szab\u00e1ly, hogy <strong>nemcsak a h\u00e1zast\u00e1rs, hanem az \u00e9lett\u00e1rs is tulajdonoss\u00e1 v\u00e1lhat.<\/strong><\/li>\n<\/ul>\n<p data-start=\"2892\" data-end=\"3137\"><div class=\"o-widget m-readMoreWidget -readMore u-shortDecorLineAfter row widget-container _ce_measure_widget bigdata-widget read-more\" data-ce-measure-widget=\"olvass tov\u00e1bb\">\n\t<div class=\"m-readMoreWidget__imgWrapper image-wrapper col-12 col-md-4 no-p\">\n\t\t<a class=\"m-readMoreWidget__imgLink\" href=\"https:\/\/www.startlap.hu\/vasarlas\/penny-ujburgonya-akcio-olcso\/\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.startlap.hu\/vasarlas\/uploads\/2025\/08\/pennyi_logo_2025_-350x285.jpg\" class=\"m-readMoreWidget__img\">\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"m-readMoreWidget__titleWrapper title-wrapper col-12 col-md-8\">\n\t\t<span class=\"m-readMoreWidget__titleLabel u-shortDecorLineBefore label hidden-sm-up\">Ez is \u00e9rdekelhet:<\/span>\n\t\t<h3 class=\"m-readMoreWidget__title title\">\n\t\t\t<a class=\"m-readMoreWidget__titleLink -secondFont u-bold u-upperCase\" href=\"https:\/\/www.startlap.hu\/vasarlas\/penny-ujburgonya-akcio-olcso\/\" >A Pennyben 46 sz\u00e1zal\u00e9kkal lesz olcs\u00f3bb egy alapvet\u0151 \u00e9lelmiszer<\/a>\n\t\t<\/h3>\n\t\t<a class=\"m-readMoreWidget__btn -coloredBack u-tC link\" href=\"https:\/\/www.startlap.hu\/vasarlas\/penny-ujburgonya-akcio-olcso\/\" >Elolvasom<\/a>\n\t<\/div>\n<\/div>\n<p data-start=\"2892\" data-end=\"3137\">&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A korm\u00e1nyzat m\u00e9g az utols\u00f3 pillanatban is v\u00e1ltoztatott az Otthon Start hitel lehet\u0151s\u00e9gein, alig p\u00e1r nappal a megjelen\u00e9se el\u0151tt szigor\u00edtottak rajta. <\/p>\n","protected":false},"author":8,"featured_media":2268138,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8180],"tags":[3569,8966,19774],"class_list":["post-2268126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trending","tag-lakashitel","tag-magyar-kozlony","tag-otthon-start-program"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2268126","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/comments?post=2268126"}],"version-history":[{"count":11,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2268126\/revisions"}],"predecessor-version":[{"id":2268142,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/posts\/2268126\/revisions\/2268142"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media\/2268138"}],"wp:attachment":[{"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/media?parent=2268126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/categories?post=2268126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.startlap.hu\/vasarlas\/wp-json\/wp\/v2\/tags?post=2268126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}