Így nullázhatja le bárki a lakáshitele kamatát

Egy fővárosi pár régóta dédelgetett álma, hogy saját lakás vásároljon, azonban eddig nem voltak meg hozzá a megfelelő feltételek. Pedig jó néhány éve, hogy megismerkedtek és már el is játszottak a gyermekvállalás gondolatával, de szerettek volna biztos hátteret biztosítani, amit szerintük igazán egy saját lakás adhatott volna meg számukra. El is kezdték megnézni a lakásárakat Budapesten, ám gyorsan rájöttek, hogy megtakarításuk önmagában ehhez nem lesz elegendő, így nem marad más hátra, mint a hitelfelvétel.

Mivel az agglomerációra is kiterjesztették a keresést, és baráti segítséget is kaptak, viszonylag gyorsan belefutottak egy alkalmi vételbe. Az egyetlen gond csak az volt, hogy 20 millió forintba került és még némi felújításra is szorult a használt lakás, azaz összesen 21,5 millió forintra van szükségük. Az önerejük a szülők támogatásával és a sokéves spórolásnak köszönhetően 11,5 millió forint, így 10 millió forint hitelre lenne szükségük.

Mindkettejüknek biztos az állása, és együttesen a jövedelmük a mai átlagkeresetnek megfelelő összeg, így havi szinten a családi költségvetés 400 000 forint volt. Mivel az ingatlan értékéhez képest nem túl magas (bőven 80% alatt marad) a hitelösszeg és a törlesztő sem vinné el a havi családi jövedelem nagy részét, így minden bizonnyal könnyedén megkapnák a hitelt.

A fiatal párnak azonban ez nem volt elegendő, ugyanis hallottak arról, hogy ha a lakáshitel mellé még lakástakarékot is kötnek, akkor le tudják szorítani a hitelkamatot, szélsőséges esetben akár nullára is. Ebben teljes mértékben igazuk is volt, mutatjuk is, miként van erre mód.

Az ingyenes lakáshitel receptje
Akárcsak a főzésnél, nagyon fontosak a hozzávalók, és ha egy is hiányzik közülük, akkor a végeredmény nem lesz a fogunkra való. Ugyanez igaz a 0-százalékos kamatú lakáshitelre is, ahol egyrészt egy nagyon olcsó lakáshitelre van szükség, másrészt több lakástakarékra, amiben a felhalmozott megtakarítást a kamatokkal és a 30 százalékos állami támogatással együtt elő- vagy végtörlesztésre fordítják.

570 thoughts on “Így nullázhatja le bárki a lakáshitele kamatát”

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