{"id":1165,"date":"2026-04-16T13:53:34","date_gmt":"2026-04-16T12:53:34","guid":{"rendered":"https:\/\/www.iksz.eu\/?page_id=1165"},"modified":"2026-04-16T14:10:36","modified_gmt":"2026-04-16T13:10:36","slug":"ingatlan-vasarlas-kalkulator","status":"publish","type":"page","link":"https:\/\/www.iksz.eu\/en\/ingatlan-vasarlas-kalkulator\/","title":{"rendered":"Ingatlanv\u00e1s\u00e1rl\u00e1s kalkul\u00e1tor"},"content":{"rendered":"    <div id=\"house-calc-adv\" style=\"background: #ffffff; padding: 30px; border-radius: 15px; border: 1px solid #d1d9e6; max-width: 650px; font-family: 'Segoe UI', sans-serif; box-shadow: 0 12px 30px rgba(0,0,0,0.1); color: #2c3e50; margin: 20px auto;\">\r\n        <h2 style=\"margin-top:0; color: #1e3a8a; font-size: 24px; text-align: center; border-bottom: 3px solid #3b82f6; padding-bottom: 10px;\">Ingatlanv\u00e1s\u00e1rl\u00e1si Tervez\u0151<\/h2>\r\n        \r\n        <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-top: 20px;\">\r\n            <div>\r\n                <label style=\"display:block; font-weight: bold; margin-bottom: 5px;\">Havi nett\u00f3 j\u00f6vedelem (Ft):<\/label>\r\n                <input type=\"number\" id=\"net_income\" placeholder=\"Pl. 550 000\" style=\"width: 100%; padding: 10px; border: 1px solid #cbd5e1; border-radius: 6px;\">\r\n            <\/div>\r\n            <div>\r\n                <label style=\"display:block; font-weight: bold; margin-bottom: 5px;\">Egy\u00e9b \u00e1lland\u00f3 kiad\u00e1s (Ft):<\/label>\r\n                <input type=\"number\" id=\"other_expenses\" placeholder=\"Pl. hitel, t\u00f6rleszt\u0151\" style=\"width: 100%; padding: 10px; border: 1px solid #cbd5e1; border-radius: 6px;\">\r\n                <small style=\"color: #64748b; font-size: 11px;\">M\u00e1r megl\u00e9v\u0151 hitelek, egy\u00e9b fix havi terhek.<\/small>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-top: 15px;\">\r\n            <div>\r\n                <label style=\"display:block; font-weight: bold; margin-bottom: 5px;\">Megl\u00e9v\u0151 \u00f6nr\u00e9sz (Ft):<\/label>\r\n                <input type=\"number\" id=\"down_payment\" placeholder=\"Pl. 15 000 000\" style=\"width: 100%; padding: 10px; border: 1px solid #cbd5e1; border-radius: 6px;\">\r\n            <\/div>\r\n            <div>\r\n                <label style=\"display:block; font-weight: bold; margin-bottom: 5px;\">Futamid\u0151 (\u00e9v):<\/label>\r\n                <select id=\"loan_years\" style=\"width: 100%; padding: 10px; border: 1px solid #cbd5e1; border-radius: 6px; background: #fff;\">\r\n                    <option value=\"5\">5 \u00e9v<\/option>\r\n                    <option value=\"10\">10 \u00e9v<\/option>\r\n                    <option value=\"15\">15 \u00e9v<\/option>\r\n                    <option value=\"20\" selected>20 \u00e9v<\/option>\r\n                <\/select>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div style=\"margin: 20px 0;\">\r\n            <label style=\"display:block; font-weight: bold; margin-bottom: 8px;\">Kock\u00e1zati v\u00e1llal\u00e1s (\u00d6sszes t\u00f6rleszt\u0151re):<\/label>\r\n            <select id=\"mortgage_risk\" style=\"width: 100%; padding: 10px; border: 1px solid #cbd5e1; border-radius: 6px; background: #fff;\">\r\n                <option value=\"0.3\">Biztons\u00e1gi (Fizet\u00e9s 30%-a)<\/option>\r\n                <option value=\"0.4\" selected>Optim\u00e1lis (Fizet\u00e9s 40%-a)<\/option>\r\n                <option value=\"0.5\">MNB maximum (Fizet\u00e9s 50%-a)<\/option>\r\n            <\/select>\r\n        <\/div>\r\n\r\n        <div id=\"house-results\" style=\"background: #eff6ff; padding: 25px; border-radius: 12px; border: 1px solid #bfdbfe;\">\r\n            <p style=\"margin: 0; font-size: 14px; color: #1e40af; font-weight: bold; text-transform: uppercase;\">Maxim\u00e1lis ingatlan \u00e9rt\u00e9k:<\/p>\r\n            <div id=\"max-property-value\" style=\"font-size: 34px; font-weight: 800; color: #1e3a8a; margin-bottom: 15px;\">0 Ft<\/div>\r\n            \r\n            <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px; border-top: 1px solid #dbeafe; padding-top: 15px;\">\r\n                <div>\r\n                    <p style=\"margin: 0; font-size: 13px; color: #64748b;\">Lehets\u00e9ges hitel:<\/p>\r\n                    <span id=\"max-loan\" style=\"font-weight: bold; font-size: 16px;\">0 Ft<\/span>\r\n                <\/div>\r\n                <div>\r\n                    <p style=\"margin: 0; font-size: 13px; color: #64748b;\">Szabad hitelkeret:<\/p>\r\n                    <span id=\"monthly-installment\" style=\"font-weight: bold; font-size: 16px; color: #059669;\">0 Ft\/h\u00f3<\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div style=\"margin-top: 25px; padding: 20px; background: #fff9f0; border-radius: 12px; border: 1px solid #ffedd5;\">\r\n            <h4 style=\"margin: 0 0 10px 0; color: #9a3412;\">V\u00e1rhat\u00f3 havi \u00f6sszkiad\u00e1s bek\u00f6lt\u00f6z\u00e9s ut\u00e1n:<\/h4>\r\n            <div id=\"total-monthly-outgo\" style=\"font-size: 20px; font-weight: bold; color: #c2410c; margin-bottom: 10px;\">0 Ft \/ h\u00f3<\/div>\r\n            <ul style=\"font-size: 13px; color: #7c2d12; padding-left: 20px; line-height: 1.6;\">\r\n                <li>\u00daj hitel t\u00f6rleszt\u0151je + megl\u00e9v\u0151 kiad\u00e1sok<\/li>\r\n                <li>\u00c1tlagos rezsi \u00e9s k\u00f6z\u00f6s k\u00f6lts\u00e9g (becs\u00fclt: 55.000 Ft)<\/li>\r\n                <li>Karbantart\u00e1si tartal\u00e9k (v\u00e9tel\u00e1r 0.1%-a)<\/li>\r\n            <\/ul>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <script>\r\n    (function() {\r\n        const incInp = document.getElementById('net_income');\r\n        const expInp = document.getElementById('other_expenses');\r\n        const downInp = document.getElementById('down_payment');\r\n        const riskSel = document.getElementById('mortgage_risk');\r\n        const yearSel = document.getElementById('loan_years');\r\n\r\n        function format(num) {\r\n            return Math.round(Math.max(0, num)).toLocaleString('hu-HU') + ' Ft';\r\n        }\r\n\r\n        function updateHouseCalc() {\r\n            const income = parseFloat(incInp.value) || 0;\r\n            const existingExp = parseFloat(expInp.value) || 0;\r\n            const downPayment = parseFloat(downInp.value) || 0;\r\n            const riskRatio = parseFloat(riskSel.value);\r\n            const years = parseInt(yearSel.value);\r\n            \r\n            \/\/ JTM (J\u00f6vedelemar\u00e1nyos T\u00f6rleszt\u0151r\u00e9szlet Mutat\u00f3) alap\u00fa sz\u00e1m\u00edt\u00e1s\r\n            \/\/ A bank a (j\u00f6vedelem * limit) - megl\u00e9v\u0151 hitelek k\u00e9pletet n\u00e9zi\r\n            const totalCreditLimit = income * riskRatio;\r\n            const availableMonthlyLoan = totalCreditLimit - existingExp;\r\n\r\n            if (availableMonthlyLoan <= 0) {\r\n                document.getElementById('max-property-value').innerText = \"Nincs szabad keret\";\r\n                document.getElementById('max-loan').innerText = \"0 Ft\";\r\n                document.getElementById('monthly-installment').innerText = \"0 Ft\";\r\n                document.getElementById('total-monthly-outgo').innerText = format(existingExp + 55000);\r\n                return;\r\n            }\r\n\r\n            \/\/ Hitel\u00f6sszeg sz\u00e1m\u00edt\u00e1sa (6.5% \u00e9ves kamat)\r\n            const annualRate = 0.065;\r\n            const monthlyRate = annualRate \/ 12;\r\n            const totalMonths = years * 12;\r\n            \r\n            const maxLoan = availableMonthlyLoan \/ (monthlyRate \/ (1 - Math.pow(1 + monthlyRate, -totalMonths)));\r\n            const totalValue = maxLoan + downPayment;\r\n\r\n            \/\/ Fenntart\u00e1si k\u00f6lts\u00e9g (Rezsi + Karbantart\u00e1s + Hitel + Megl\u00e9v\u0151 kiad\u00e1s)\r\n            const maintenance = totalValue * 0.001;\r\n            const utilities = 55000;\r\n            const totalMonthly = availableMonthlyLoan + existingExp + maintenance + utilities;\r\n\r\n            document.getElementById('max-property-value').innerText = format(totalValue);\r\n            document.getElementById('max-loan').innerText = format(maxLoan);\r\n            document.getElementById('monthly-installment').innerText = format(availableMonthlyLoan) + \"\/h\u00f3\";\r\n            document.getElementById('total-monthly-outgo').innerText = format(totalMonthly);\r\n        }\r\n\r\n        [incInp, expInp, downInp, riskSel, yearSel].forEach(el => \r\n            el.addEventListener('input', updateHouseCalc)\r\n        );\r\n    })();\r\n    <\/script>\r\n    \n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color wp-elements-ad40d48d8cd61ca9fef06eb35039b8fa\"><strong>(az itt megjelen\u0151 adatokat \u00e9rdemes er\u0151s fenntart\u00e1ssal kezelni, ink\u00e1bb csak egy pesszimista el\u0151rejelz\u00e9sk\u00e9nt kell \u00e9rtelmezni)<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(az itt megjelen\u0151 adatokat \u00e9rdemes er\u0151s fenntart\u00e1ssal kezelni, ink\u00e1bb csak egy pesszimista el\u0151rejelz\u00e9sk\u00e9nt kell \u00e9rtelmezni)<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1165","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ingatlanv\u00e1s\u00e1rl\u00e1s kalkul\u00e1tor - Info Kommunik\u00e1ci\u00f3s Szakszervezet<\/title>\n<meta name=\"robots\" content=\"index, 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