{"id":146547,"date":"2024-06-27T16:47:10","date_gmt":"2024-06-27T14:47:10","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=146547"},"modified":"2024-06-27T16:47:10","modified_gmt":"2024-06-27T14:47:10","slug":"elveszitheti-a-jelentoseget-a-babavaro-hitel-2025-tol","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/elveszitheti-a-jelentoseget-a-babavaro-hitel-2025-tol\/","title":{"rendered":"Elvesz\u00edtheti a jelent\u0151s\u00e9g\u00e9t a babav\u00e1r\u00f3 hitel 2025-t\u0151l"},"content":{"rendered":"<p><strong>A <\/strong><a href=\"https:\/\/bankmonitor.hu\/\" target=\"_blank\" rel=\"noopener\"><strong>Bankmonitoron<\/strong><\/a><strong> kereszt\u00fcl az idei \u00e9vben babav\u00e1r\u00f3 hitelig\u00e9nyl\u00e9st beny\u00fajt\u00f3 h\u00e1zasp\u00e1rok 33,22 sz\u00e1zal\u00e9k\u00e1n\u00e1l a p\u00e1r h\u00f6lgy tagja 29 \u00e9vn\u00e9l id\u0151sebb volt, de m\u00e9g nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t. Ez az\u00e9rt l\u00e9nyeges, mert az ilyen kor\u00faaknak m\u00e1r csak f\u00e9l \u00e9v\u00fck van arra, hogy kihaszn\u00e1lj\u00e1l a lehet\u0151s\u00e9get.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>A <a href=\"https:\/\/bankmonitor.hu\/babavaro-hitel\" target=\"_blank\" rel=\"noopener\">babav\u00e1r\u00f3 k\u00f6lcs\u00f6n<\/a> egy kamatmentes, szabad felhaszn\u00e1l\u00e1s\u00fa, \u00e1llamilag t\u00e1mogatott hitel. A k\u00f6lcs\u00f6n a futamid\u0151 els\u0151 5 \u00e9v\u00e9ben kamatmentes, amennyiben pedig ezen id\u0151 alatt legal\u00e1bb egy gyereke sz\u00fcletik a p\u00e1rnak, akkor ez a futamid\u0151 v\u00e9g\u00e9ig meg is marad. Tov\u00e1bbi kedvezm\u00e9ny, hogy a m\u00e1sodik \u00e9s a harmadik baba \u00e9rkez\u00e9sekor elengedik a fenn\u00e1ll\u00f3 tartoz\u00e1s egy r\u00e9sz\u00e9t, illetve eg\u00e9sz\u00e9t.<\/p>\n<p>2024-t\u0151l azonban t\u00f6bb ponton is v\u00e1ltoztak a babav\u00e1r\u00f3 hitel ig\u00e9nyl\u00e9si felt\u00e9telei:<\/p><div id=\"gazda-3039867171\" class=\"gazda-tartalomban gazda-entity-placement\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<ol>\n<li>10 milli\u00f3 forintr\u00f3l 11 milli\u00f3 forintra emelt\u00e9k a maxim\u00e1lisan ig\u00e9nyelhet\u0151 \u00f6sszeget.<\/li>\n<li>2024-t\u0151l a feles\u00e9g ig\u00e9nyl\u00e9skor nem t\u00f6ltheti be a 30. \u00e9let\u00e9v\u00e9t. Id\u00e9n m\u00e9g annyi k\u00f6nny\u00edt\u00e9s van, hogy emennyiben ig\u00e9nyl\u00e9skor m\u00e1r \u00faton van a baba, akkor a feles\u00e9g ak\u00e1r 40 \u00e9ves is lehet.<\/li>\n<\/ol>\n<p>2025 janu\u00e1rj\u00e1t\u00f3l teh\u00e1t m\u00e1r akkor sem kaphatj\u00e1k meg a babav\u00e1r\u00f3t az &#8222;id\u0151sebb&#8221; h\u00e1zasp\u00e1rok, ha \u00e1llapotos a feles\u00e9g. A Bankmonitoron kereszt\u00fcl ig\u00e9nyl\u00e9st beny\u00fajt\u00f3k adatai alapj\u00e1n a j\u00f6v\u0151 \u00e9vt\u0151l ak\u00e1r harmad\u00e1val is cs\u00f6kkenhet a t\u00e1mogat\u00e1st kihaszn\u00e1l\u00f3k sz\u00e1ma. \u0150k, ha nem l\u00e9pnek m\u00e9g id\u00e9n, akkor j\u00f6v\u0151re v\u00e9g\u00e9rv\u00e9nyesen lemaradhatnak a babav\u00e1r\u00f3r\u00f3l.<\/p>\n<p>Ez egyben azt is el\u0151re vet\u00edti, hogy a babav\u00e1r\u00f3 ig\u00e9nyl\u00e9si volumen jelent\u0151s m\u00e9rt\u00e9kben visszaeshet j\u00f6v\u0151re, pedig ez historikusan jelenleg is alacsony szinten van. 2024 els\u0151 negyed\u00e9v\u00e9ben 59,8 milli\u00e1rd forint volt a babav\u00e1r\u00f3 hitel volumene, amin\u00e9l eddig csak 2023. els\u0151 negyed\u00e9v\u00e9ben m\u00e9rt alacsonyabb \u00e9rt\u00e9ket (37,4 milli\u00e1rd forint) a Magyar Nemzeti Bank, mik\u00f6zben a t\u00e1mogat\u00e1s indul\u00e1sa \u00f3ta \u00e1tlagosan 127,8 milli\u00e1rd forintot ig\u00e9nyeltek negyed\u00e9vente a p\u00e1rok.<\/p>\n<p>A babav\u00e1r\u00f3 hitel marginaliz\u00e1l\u00f3d\u00e1sa az\u00e9rt jelenthet probl\u00e9m\u00e1t, mert b\u00e1r egy szabad felhaszn\u00e1l\u00e1s\u00fa konstrukci\u00f3, a t\u00f6bbs\u00e9g lak\u00e1sc\u00e9lra ford\u00edtja, p\u00e9ld\u00e1ul \u00f6ner\u0151k\u00e9nt haszn\u00e1lja egy lak\u00e1shiteln\u00e9l.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Bankmonitoron kereszt\u00fcl az idei \u00e9vben babav\u00e1r\u00f3 hitelig\u00e9nyl\u00e9st beny\u00fajt\u00f3 h\u00e1zasp\u00e1rok 33,22 sz\u00e1zal\u00e9k\u00e1n\u00e1l a p\u00e1r h\u00f6lgy tagja 29 \u00e9vn\u00e9l id\u0151sebb volt, de m\u00e9g nem t\u00f6lt\u00f6tte be a 41. \u00e9let\u00e9v\u00e9t. Ez az\u00e9rt l\u00e9nyeges, mert az ilyen kor\u00faaknak m\u00e1r csak f\u00e9l \u00e9v\u00fck van arra, hogy kihaszn\u00e1lj\u00e1l a lehet\u0151s\u00e9get.<\/p>\n","protected":false},"author":1001010,"featured_media":146189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/146547"}],"collection":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/users\/1001010"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=146547"}],"version-history":[{"count":2,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/146547\/revisions"}],"predecessor-version":[{"id":146549,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/146547\/revisions\/146549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media\/146189"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=146547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=146547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=146547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}