A lejárt lakástakarékról ezt kell tudni, hogy ne legyen bukta

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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