{"id":129965,"date":"2025-11-13T08:00:10","date_gmt":"2025-11-13T07:00:10","guid":{"rendered":"https:\/\/erdmost.hu\/?p=129965"},"modified":"2025-11-13T08:00:10","modified_gmt":"2025-11-13T07:00:10","slug":"hogy-a-leghatekonyabb-megvasarolni-egy-uj-autot","status":"publish","type":"post","link":"https:\/\/erdmost.hu\/en\/2025\/11\/13\/hogy-a-leghatekonyabb-megvasarolni-egy-uj-autot\/","title":{"rendered":"Hogy a leghat\u00e9konyabb megv\u00e1s\u00e1rolni egy \u00faj aut\u00f3t?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Sokan \u00fagy gondolj\u00e1k, hogy az a legtiszt\u00e1bb \u00e9s legegyszer\u0171bb, ha egy \u00f6sszegben, azonnal kifizetik a kiv\u00e1lasztott aut\u00f3 v\u00e9tel\u00e1r\u00e1t, \u00edgy nem kell semmilyen \u201cbonyodalommal\u201d k\u00e9s\u0151bb foglalkozni.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ennek azonban megvannak a h\u00e1tr\u00e1nyai, p\u00e9ld\u00e1ul nagy terhet jelent a k\u00f6lts\u00e9gvet\u00e9s sz\u00e1m\u00e1ra \u00e9s limit\u00e1lhatja a k\u00e9s\u0151bbi fejleszt\u00e9sek lehet\u0151s\u00e9g\u00e9t, a rugalmass\u00e1g elveszt\u00e9s\u00e9r\u0151l nem is besz\u00e9lve.<\/span><\/p>\n<p><b>A l\u00edzing minden helyzetben megold\u00e1st jelent<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sokan nem tudj\u00e1k, de a klasszikus konstrukci\u00f3 mellett el\u00e9rhet\u0151 az \u00fagynevezett <\/span><a href=\"https:\/\/lizingo.hu\/nyiltvegu-lizing\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">ny\u00edltv\u00e9g\u0171 l\u00edzing<\/span><\/a><span style=\"font-weight: 400;\"> is p\u00e9ld\u00e1ul a Lizingo.hu oldal\u00e1n, amely t\u00f6bb ter\u00fcleten is elt\u00e9r a z\u00e1rtv\u00e9g\u0171h\u00f6z k\u00e9pest. Az egyik legnagyobb k\u00fcl\u00f6nbs\u00e9g, hogy a futamid\u0151 elej\u00e9n \u00e9s k\u00f6zben m\u00e9g egy\u00e1ltal\u00e1n nem lehet tudni, hogy az \u00fcgylet lez\u00e1rt\u00e1val kihez ker\u00fcl a j\u00e1rm\u0171. Ugyanis h\u00e1rom alternat\u00edva is \u00e1ll a l\u00edzingbevev\u0151, teh\u00e1t az \u00fcgyf\u00e9l el\u0151tt.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Az els\u0151, hogy a maradv\u00e1ny\u00e9rt\u00e9k megfizet\u00e9se ellen\u00e9ben, a l\u00edzingt\u00e1rgy tulajdonos\u00e1v\u00e1 v\u00e1lik.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A m\u00e1sodik, hogy a megv\u00e1s\u00e1rl\u00e1s jog\u00e1t harmadik szem\u00e9lyre ruh\u00e1zza \u00e1t, ilyenkor a c\u00e9gt\u0151l f\u00fcggetlen szem\u00e9ly kijel\u00f6l\u00e9se javasolt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A harmadik opci\u00f3 pedig, hogy a l\u00edzingt\u00e1rgyat egyszer\u0171en visszaadja a l\u00edzingbead\u00f3nak.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mind a h\u00e1romra megvan a lehet\u0151s\u00e9g, illetve mindegyik mellett lehet \u00e9rvelni, vannak olyan helyzetek, amikor hol egyik, hol m\u00e1sik, vagy hol a harmadik a c\u00e9lravezet\u0151.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A m\u00e1sik nagy k\u00fcl\u00f6nbs\u00e9g a z\u00e1rtv\u00e9g\u0171 l\u00edzinghez k\u00e9pest, hogy itt szem\u00e9lyg\u00e9pkocsik eset\u00e9ben is van lehet\u0151s\u00e9g az \u00e1fa-visszaig\u00e9nyl\u00e9sre. Ez az\u00e9rt lehets\u00e9ges, mert 2012. janu\u00e1r elsej\u00e9n kiker\u00fclt a t\u00f6rv\u00e9nyb\u0151l a szem\u00e9lyg\u00e9pkocsival kapcsolatban felsz\u00e1m\u00edtott \u00e1fa mindennem\u0171 levon\u00e1s\u00e1t tilt\u00f3 rendelkez\u00e9s. \u00cdgy a ny\u00edltv\u00e9g\u0171 p\u00e9nz\u00fcgyi l\u00edzing eset\u00e9n az \u00e1ltal\u00e1nos forgalmi ad\u00f3 m\u00e1r levon\u00e1sra ker\u00fclhet. Fontos, hogy a visszaig\u00e9nyl\u00e9s csak akkor lehets\u00e9ges, ha a v\u00e1llalkoz\u00e1s teljes\u00edteni tudja az \u00e1fa visszaig\u00e9nyl\u00e9s\u00e9nek \u00e1ltal\u00e1nos felt\u00e9teleit is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A minim\u00e1lis kezd\u0151r\u00e9szlet, az \u00f6ner\u0151 itt is minimum a v\u00e9tel\u00e1r 20%-a lesz. A legr\u00f6videbb futamid\u0151 24 h\u00f3nap, de 36 h\u00f3napn\u00e1l r\u00f6videbbet a szakemberek nem szoktak aj\u00e1nlani.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A maxim\u00e1lis futamid\u0151 84 h\u00f3nap lehet. A nett\u00f3 l\u00edzingt\u0151ke t\u00f6rleszt\u00e9s\u00e9t, az azt terhel\u0151 \u00e1ltal\u00e1nos forgalmi ad\u00f3t \u00e9s a l\u00edzingd\u00edj kamatr\u00e9sz\u00e9t a l\u00edzingbe ad\u00f3 havonta sz\u00e1ml\u00e1zza a l\u00edzingbe vev\u0151 r\u00e9sz\u00e9re. A l\u00edzingd\u00edj kamatr\u00e9sze \u00e9s az aut\u00f3 \u00e9rt\u00e9kcs\u00f6kken\u00e9se is k\u00f6lts\u00e9gk\u00e9nt elsz\u00e1molhat\u00f3.<\/span><\/p>\n<p><b>Milyen felt\u00e9telekre kell k\u00e9sz\u00fclni?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A ny\u00edltv\u00e9g\u0171 l\u00edzing \u00faj vagy 8 \u00e9vn\u00e9l fiatalabb szem\u00e9lyaut\u00f3 eset\u00e9n \u00e9rhet\u0151 el. Fontos, hogy a teljes v\u00e9tel\u00e1rr\u00f3l 27%-os \u00e1fakulccsal ki\u00e1ll\u00edtott \u00e1f\u00e1s sz\u00e1ml\u00e1t kell adnia a magyar elad\u00f3nak. A l\u00edzing \u00f6sszege minimum 2 milli\u00f3, maximum 100 milli\u00f3 forint lehet. C\u00e9g, mag\u00e1nszem\u00e9ly \u00e9s egy\u00e9ni v\u00e1llalkoz\u00f3 is egyar\u00e1nt v\u00e1laszthatja ezt a konstrukci\u00f3t.<\/span><\/p>\n<p><b>1-2 nap alatt meg\u00e9rkezik a k\u00edv\u00e1nt \u00f6sszeg<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A gyors \u00fcgyint\u00e9z\u00e9shez term\u00e9szetesen az is kell, hogy a folyamat g\u00f6rd\u00fcl\u00e9keny legyen \u00e9s minden dokumentum id\u0151ben meg\u00e9rkezzen a finansz\u00edroz\u00f3hoz. Ez\u00e9rt is \u00e9rdemes min\u00e9l hamarabb felvenni a kapcsolatot egy szakemberrel, aki a teljes m\u0171veleten v\u00e9gig k\u00eds\u00e9r minket.<\/span><\/p>\n<p>(X)<\/p>","protected":false},"excerpt":{"rendered":"<p>Term\u00e9szetesen egy v\u00e1llalkoz\u00e1s sz\u00e1m\u00e1ra t\u00f6bb lehet\u0151s\u00e9g is el\u00e9rhet\u0151, ha \u00faj aut\u00f3 v\u00e1s\u00e1rl\u00e1s\u00e1r\u00f3l van sz\u00f3.<\/p>","protected":false},"author":8,"featured_media":129966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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