A lejárt lakástakarékról ezt kell tudni, hogy ne legyen bukta

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Van jelenleg egy lakástakarékom, ami már lejárt, de még nem használtam fel. Köthetek egy újat? Egy nagyobb összegű hitelt is felvettem lakáscélra – ezt lejárat után a lakástakarékban összegyűlt megtakarítással szeretném előtörleszteni. Mik a lehetőségeim?

Először a kérdés első részét tették tisztába. Az érdeklődő esetében hiába, hogy lejárt a lakástakarék, attól még élő szerződésről van szó, hiszen nem lett felhasználva a megtakarítás. A szabályok pedig úgy szólnak, hogy egy adószámmal egyszerre csak egy lakástakarék-szerződésben lehetünk kedvezményezettek, tehát nem nyithatunk egy új állami támogatással járó lakástakarékot.

Ugyanakkor általánosságban érdemes tudni, hogy akárhány éves lakástakarékot is kötöttünk is, a maximum 10 éves lejárati időig felhasználás nélkül parkoltathatjuk a pénzt a lakástakarék-pénztárnál. Ekkor:

ha tovább fizetjük a megtakarítást az állami támogatás és kamat is jár a pénz után,
ha pedig további befizetés nélkül hagyjuk bent a megtakarítást, akkor csak a kamat jár utána.
A díjjal járó szerződésmódosítással (vagyis a futamidő meghosszabbításával) akkor szükséges élnünk, ha a lejáratkor a magasabb szerződéses összegű lakástakarékhoz járó lakáskölcsönre is igényt tartunk.

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