Mutatjuk, havonta mennyit érdemes félretenni, hogy mihamarabb lakást tudjunk venni

32 102 hozzászólás

A magyaroknak fontos, hogy saját lakásuk legyen – tízből kilencen el is érik ezt célt, derül ki az OECD statisztikájából. Ezzel az eredménnyel egyébként dobogós, harmadik helyezést értünk el.

De mi kell ahhoz, hogy meglegyen a vágyott saját lakás vagy ház? Hogyan érdemes nekifogni az ingatlanszerzési projektnek, és milyen úton juthatunk el odáig, hogy költözhessünk? Az OTP lakáshitelezési igazgatóját, Kormos Zoltánt kérdeztük erről.

Természetesen lakástakarék!
A lakásvásárlást érdemes úgy kezdeni, hogy félreteszünk egy kis pénzt. És hogy milyen megtakarítási formát válasszunk lakáscélra? A szakértő a lakástakarék-pénztári szerződést ajánlja, kiemelve, hogy megtakarításunk összege után 30 százalékos, maximum évi 72 000 forintos állami támogatást kaphatunk, amennyiben legalább 4 éven keresztül takarékoskodunk és a megtakarítás összegét a későbbiekben lakáscélra használjuk fel. A jelenlegi alacsony kamatkörnyezetben már ezzel kimagasló hozam érhető el, amihez még hozzájárul a lakástakarékpénztár által a megtakarítás összegére és a jóváírt állami támogatásra térített betéti kamat is.

Amit még érdemes tudni: a támogatás személyenként (szerződésenként) jár. Egy személynek azonban lehet több szerződése is, ha közeli hozzátartozót jelöl meg kedvezményezettként.

És mit lehet mondani annak, aki most kezdene el lakásra takarékoskodni: mennyit tegyen félre havonta, hány évig kell takarékoskodnia, mielőtt belevágna a vásárlásba, vagy építésbe?
Abból kiindulva, hogy hitelre is szükségünk lesz,

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