J\u00f6v\u0151 \u00e9v janu\u00e1rj\u00e1t\u00f3l magasabb minim\u00e1lb\u00e9rrel \u00e9s garant\u00e1lt b\u00e9rminimummal sz\u00e1molhatnak a munkav\u00e1llal\u00f3k. Sz\u00e1mszer\u0171s\u00edtve ez azt jelenti, hogy a jelenleg \u00e9rv\u00e9nyes brutt\u00f3 167.400 Ft helyett brutt\u00f3 200.000 forintot kapnak havonta munk\u00e1ltat\u00f3jukt\u00f3l. A minimum k\u00f6z\u00e9pfok\u00fa k\u00e9pzetts\u00e9ghez k\u00f6t\u00f6tt munkak\u00f6r bet\u00f6lt\u00e9se eset\u00e9n, garant\u00e1lt b\u00e9rminimum n\u00e9ven fizetend\u0151 \u00f6sszeg pedig \u2013 a 19%-os emelked\u00e9snek k\u00f6sz\u00f6nhet\u0151en \u2013 260.000 forintot jelent majd a dolgoz\u00f3knak minden h\u00f3napban.<\/p>\n
A Duna House P\u00e9nz\u00fcgyek szak\u00e9rt\u0151i kisz\u00e1molt\u00e1k, hogy az \u00faj b\u00e9rmeg\u00e1llapod\u00e1s alapj\u00e1n mekkora \u00f6sszeg\u0171 lak\u00e1shitelt vehetnek fel az \u00fcgyfelek 2022-t\u0151l, \u00e9s azt nagys\u00e1grendileg milyen ingatlanra ford\u00edthatj\u00e1k. Ha egy h\u00e1zasp\u00e1r mindk\u00e9t tagja akt\u00edv keres\u0151, akkor a megemelt minim\u00e1lb\u00e9rrel, 20 \u00e9vre, fix 10 \u00e9ves kamatperi\u00f3dussal, maradva egyel\u0151re a jelenlegi, 4%-os kamatk\u00f6rnyezetben, maximum 22 milli\u00f3 forintot ig\u00e9nyelhetnek k\u00f6lcs\u00f6nk\u00e9nt. Ehhez hozz\u00e1adva a 20%-os \u00f6ner\u0151t \u00e9s k\u00e9t v\u00e1llalt vagy megl\u00e9v\u0151 gyermek eset\u00e9n az 1.430.000 forintos CSOK-ot, kis h\u00edj\u00e1n 29 milli\u00f3 forintb\u00f3l v\u00e1s\u00e1rolhatnak ingatlant.<\/p>\n
\u00cdgy ak\u00e1r 4,5 milli\u00f3 forinttal nagyobb k\u00f6lts\u00e9gvet\u00e9sb\u0151l is gazd\u00e1lkodhatnak a csal\u00e1dok, mint a mostani minim\u00e1lb\u00e9r eset\u00e9n. Ez\u00e9rt az \u00f6sszeg\u00e9rt pedig m\u00e1r Budapest csepeli, 8. ker\u00fcleti vagy ak\u00e1r \u00f3budai v\u00e1rosr\u00e9sz\u00e9ben is lehet 50 n\u00e9gyzetm\u00e9teres, k\u00e9tszob\u00e1s kialak\u00edt\u00e1s\u00fa, kisebb fel\u00faj\u00edt\u00e1sra szorul\u00f3, de lakhat\u00f3 panellak\u00e1st v\u00e1s\u00e1rolni. Vid\u00e9ken azonban csal\u00e1di h\u00e1zra is futhat ebb\u0151l a b\u00fcdzs\u00e9b\u0151l.<\/p>\n
Egykeres\u0151s h\u00e1ztart\u00e1sokban, vagy egyed\u00fcl\u00e1ll\u00f3k\u00e9nt maximum 11 milli\u00f3 forint vehet\u0151 fel lak\u00e1shitelk\u00e9nt hasonl\u00f3 konstrukci\u00f3ban, amely \u00f6sszeg egy 13,75 milli\u00f3 forintos lak\u00e1s v\u00e9tel\u00e9re lenne elegend\u0151, \u00e9s ez a kelet-magyarorsz\u00e1gi r\u00e9gi\u00f3ban ak\u00e1r egy k\u00e9tszob\u00e1s panellak\u00e1st is jelenthet. <\/p>\n
Azonos felt\u00e9telek mellett, a 260.000 forintos garant\u00e1lt b\u00e9rminimummal sz\u00e1molva, egyed\u00fcl ak\u00e1r 14,2 milli\u00f3 forintos k\u00f6lcs\u00f6nt is ig\u00e9nyelhet az \u00fcgyf\u00e9l. Az \u00f6ner\u0151vel kieg\u00e9sz\u00edtve pedig k\u00f6zel 18 milli\u00f3 forintot k\u00f6lthet \u00faj otthon\u00e1ra, valamivel kedvez\u0151bb v\u00e1s\u00e1rl\u00e1si opci\u00f3kkal, mint ha a minim\u00e1lb\u00e9r adn\u00e1 az alapot hitel\u00e9hez.<\/p>\n
K\u00e9t f\u0151 kereset\u00e9b\u0151l tervezett ingatlanv\u00e1s\u00e1rl\u00e1sn\u00e1l a felvehet\u0151 \u00f6sszeg 28,5 milli\u00f3 forintra emelkedik, amelyhez 7,125 milli\u00f3 forintnyi \u00f6ner\u0151t rakva m\u00e1r 35,5 milli\u00f3 forintos k\u00edn\u00e1latb\u00f3l is szemezgethetnek a potenci\u00e1lis vev\u0151k. Haszn\u00e1lt lak\u00e1s eset\u00e9n, k\u00e9t gyermek ut\u00e1n j\u00e1r\u00f3 CSOK-kal kieg\u00e9sz\u00edtve pedig 37 milli\u00f3 forintig v\u00e1logathatnak a p\u00e1rok. Ez\u00e9rt az \u00f6sszeg\u00e9rt pedig ak\u00e1r Budapest k\u00f6zkedvelt, frekvent\u00e1lt ker\u00fcleteiben is hozz\u00e1juthatnak egy j\u00f3 \u00e1llapot\u00fa, 2 szob\u00e1s lak\u00e1shoz, vagy vid\u00e9ken egy 4 szob\u00e1s csal\u00e1di h\u00e1zhoz.<\/p>","protected":false},"excerpt":{"rendered":"
2022 \u00e9v elej\u00e9t\u0151l brutt\u00f3 200 ezer forint lesz a minim\u00e1lb\u00e9r haz\u00e1nkban, a garant\u00e1lt b\u00e9rminimum pedig 260 ezer forintra n\u0151. A Duna House P\u00e9nz\u00fcgyek szak\u00e9rt\u0151i kisz\u00e1molt\u00e1k, hogy ennek k\u00f6sz\u00f6nhet\u0151en hogyan javulnak a csal\u00e1dok hitelfelv\u00e9teli lehet\u0151s\u00e9gei. <\/p>","protected":false},"author":8,"featured_media":12562,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_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":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"cikk_cimkek":[155],"content_flags":[],"content_icons":[],"class_list":["post-19441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erdmost","cikk_cimkek-ingatlan"],"acf":[],"_links":{"self":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/19441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/comments?post=19441"}],"version-history":[{"count":0,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/19441\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media\/12562"}],"wp:attachment":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media?parent=19441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/categories?post=19441"},{"taxonomy":"cikk_cimkek","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/cikk_cimkek?post=19441"},{"taxonomy":"content_flags","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_flags?post=19441"},{"taxonomy":"content_icons","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_icons?post=19441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}