{"id":1689,"date":"2026-09-01T16:22:33","date_gmt":"2026-09-01T15:22:33","guid":{"rendered":"https:\/\/www.iksz.eu\/?page_id=1689"},"modified":"2026-09-01T16:30:04","modified_gmt":"2026-09-01T15:30:04","slug":"lakas-haz-gepkocsi-vasarlasi-lepesek","status":"publish","type":"page","link":"https:\/\/www.iksz.eu\/en\/lakas-haz-gepkocsi-vasarlasi-lepesek\/","title":{"rendered":"Lak\u00e1s, h\u00e1z, g\u00e9pkocsi v\u00e1s\u00e1rl\u00e1si l\u00e9p\u00e9sek"},"content":{"rendered":"    <div class=\"ts-guide-wrapper\">\r\n        <h2>\u00datmutat\u00f3: Ad\u00e1sv\u00e9tel \u00e9s \u00c9p\u00edtkez\u00e9s L\u00e9p\u00e9sr\u0151l L\u00e9p\u00e9sre<\/h2>\r\n        <p class=\"guide-intro\">Nagy d\u00f6nt\u00e9s el\u0151tt \u00e1llsz? Legyen sz\u00f3 aut\u00f3- vagy ingatlanv\u00e1s\u00e1rl\u00e1sr\u00f3l, esetleg \u00e9p\u00edtkez\u00e9sr\u0151l vagy hitelfelv\u00e9telr\u0151l, \u00f6sszeszedt\u00fck neked a legfontosabb jogi \u00e9s adminisztrat\u00edv l\u00e9p\u00e9seket. <em>(Utols\u00f3 jogi friss\u00edt\u00e9s: 2026. szeptember)<\/em><\/p>\r\n\r\n        <!-- 1. AUT\u00d3V\u00c1S\u00c1RL\u00c1S -->\r\n        <section class=\"ts-guide-section\">\r\n            <h3>1. Aut\u00f3v\u00e1s\u00e1rl\u00e1s (Haszn\u00e1lt \u00e9s \u00daj)<\/h3>\r\n            <p>A haszn\u00e1lt vagy \u00faj aut\u00f3 v\u00e1s\u00e1rl\u00e1sa komoly pap\u00edrmunk\u00e1val j\u00e1r. Ezeket a k\u00f6r\u00f6ket kell lefutnod:<\/p>\r\n            <ol>\r\n                <li><strong>El\u0151\u00e9let ellen\u0151rz\u00e9se:<\/strong> Haszn\u00e1lt aut\u00f3 eset\u00e9n a J\u00e1rm\u0171 Szolg\u00e1ltat\u00e1si Platformon (JSZP) \u00fcgyf\u00e9lkapun kereszt\u00fcl ingyenesen lek\u00e9rdezheted az aut\u00f3 k\u00e1rt\u00f6rt\u00e9net\u00e9t \u00e9s kilom\u00e9ter\u00f3ra-\u00e1ll\u00e1s\u00e1t. Ne hagyd ki!<\/li>\r\n                <li><strong>Ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s:<\/strong> N\u00e9gy p\u00e9ld\u00e1nyban, k\u00e9t tan\u00faval \u00edrj\u00e1tok al\u00e1. Nagyon figyelj arra, hogy az \u00e1tad\u00e1s percre pontos id\u0151pontja r\u00e1ker\u00fclj\u00f6n \u2013 ez v\u00e9d meg, ha az elad\u00f3\/vev\u0151 esetleg szab\u00e1lys\u00e9rt\u00e9st k\u00f6vetne el a k\u00f6zbens\u0151 id\u0151ben.<\/li>\r\n                <li><strong>Eredetis\u00e9gvizsg\u00e1lat:<\/strong> Haszn\u00e1lt aut\u00f3n\u00e1l k\u00f6telez\u0151 k\u00f6r. Megcsin\u00e1ltathatod az ad\u00e1sv\u00e9tel el\u0151tt (biztons\u00e1gosabb), vagy r\u00f6gt\u00f6n ut\u00e1na is.<\/li>\r\n                <li><strong>K\u00f6telez\u0151 (KGFB):<\/strong> M\u00e9g a v\u00e1s\u00e1rl\u00e1s napj\u00e1n, miel\u0151tt elhozn\u00e1d az aut\u00f3t, meg kell k\u00f6tn\u00f6d a biztos\u00edt\u00e1st. En\u00e9lk\u00fcl ki sem viheted a forgalomba.<\/li>\r\n                <li><strong>\u00c1t\u00edr\u00e1s:<\/strong> A v\u00e1s\u00e1rl\u00e1st\u00f3l sz\u00e1m\u00edtott 15 napon bel\u00fcl be kell s\u00e9t\u00e1lnod a Korm\u00e1nyablakba. Itt fizeted ki a vagyonszerz\u00e9si illet\u00e9ket, valamint az \u00faj forgalmi \u00e9s a t\u00f6rzsk\u00f6nyv d\u00edj\u00e1t.<\/li>\r\n            <\/ol>\r\n        <\/section>\r\n\r\n        <!-- 2. INGATLANV\u00c1S\u00c1RL\u00c1S -->\r\n        <section class=\"ts-guide-section\">\r\n            <h3>2. Ingatlanv\u00e1s\u00e1rl\u00e1s (Lak\u00e1s vagy H\u00e1z)<\/h3>\r\n            <p>A magyar szab\u00e1lyok szerint ingatlant venni csak \u00fcgyv\u00e9d (vagy k\u00f6zjegyz\u0151) k\u00f6zrem\u0171k\u00f6d\u00e9s\u00e9vel lehet. \u00cdgy zajlik a folyamat:<\/p>\r\n            <ol>\r\n                <li><strong>Tulajdoni lap ellen\u0151rz\u00e9se:<\/strong> M\u00e9g miel\u0151tt b\u00e1rmit kifizetn\u00e9l, az \u00fcgyv\u00e9ded ellen\u0151rzi a terheket, haszon\u00e9lvezeti vagy el\u0151v\u00e1s\u00e1rl\u00e1si jogokat.<\/li>\r\n                <li><strong>\u00dcgyv\u00e9d megb\u00edz\u00e1sa:<\/strong> \u00c1ltal\u00e1ban a vev\u0151 (azaz te) hozza \u00e9s fizeti az \u00fcgyv\u00e9det. A d\u00edja legt\u00f6bbsz\u00f6r a v\u00e9tel\u00e1r 0,5% \u00e9s 1,5%-a k\u00f6z\u00f6tt mozog.<\/li>\r\n                <li><strong>Szerz\u0151d\u00e9s \u00e9s foglal\u00f3:<\/strong> Al\u00e1\u00edr\u00e1skor a v\u00e9tel\u00e1r 10%-\u00e1t szok\u00e1s \u00e1tadni foglal\u00f3k\u00e9nt. Ha te gondolod meg magad, ezt elvesz\u00edted, de ha az elad\u00f3 l\u00e9p vissza, a dupl\u00e1ja j\u00e1r vissza neked.<\/li>\r\n                <li><strong>Birtokbaad\u00e1s:<\/strong> Amikor a teljes v\u00e9tel\u00e1rat kifizetted, megkapod a kulcsokat, \u00e9s az elad\u00f3val k\u00f6z\u00f6sen leolvass\u00e1tok a m\u00e9r\u0151\u00f3r\u00e1kat.<\/li>\r\n                <li><strong>F\u00f6ldhivatal:<\/strong> Az \u00fcgyv\u00e9ded 30 napon bel\u00fcl beadja a pap\u00edrokat a F\u00f6ldhivatalba, hogy a nevedre ker\u00fclj\u00f6n az ingatlan.<\/li>\r\n            <\/ol>\r\n        <\/section>\r\n\r\n        <!-- 3. ILLET\u00c9K \u00c9S KEDVEZM\u00c9NYEK -->\r\n        <section class=\"ts-guide-section ts-highlight-section\">\r\n            <h3>3. Vagyonszerz\u00e9si Illet\u00e9k (VSI) \u00e9s Kiskapuk<\/h3>\r\n            <p>Amikor ingatlant veszel, az \u00e1llamnak illet\u00e9ket kell fizetned. Ez alapesetben a v\u00e9tel\u00e1r <strong>4%-a<\/strong>, amit k\u00e9s\u0151bb a NAV fog kiszabni. Szerencs\u00e9re vannak kedvezm\u00e9nyek, amikkel faraghatsz ebb\u0151l.<\/p>\r\n            \r\n            <div class=\"ts-benefits-grid\">\r\n                <div class=\"ts-benefit-card\">\r\n                    <h4>Teljes Mentess\u00e9g (0%)<\/h4>\r\n                    <ul>\r\n                        <li><strong>CSOK Plusz:<\/strong> Ha a v\u00e1s\u00e1rl\u00e1shoz CSOK Plusz hitelt veszel fel, az illet\u00e9ket teljesen elengedik (b\u00e1rmekkora is a v\u00e9tel\u00e1r!).<\/li>\r\n                        <li><strong>Csal\u00e1don bel\u00fcl:<\/strong> Egyenes\u00e1gi rokonok \u00e9s h\u00e1zast\u00e1rsak k\u00f6z\u00f6tti ad\u00e1sv\u00e9tel vagy aj\u00e1nd\u00e9koz\u00e1s teljesen illet\u00e9kmentes.<\/li>\r\n                        <li><strong>\u00c9p\u00edt\u00e9si telek:<\/strong> Nem kell illet\u00e9ket fizetned, ha 4 \u00e9ven bel\u00fcl lak\u00f3h\u00e1zat \u00e9p\u00edtesz r\u00e1, \u00e9s ezt pap\u00edrral igazolod.<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n                \r\n                <div class=\"ts-benefit-card\">\r\n                    <h4>Illet\u00e9kkedvezm\u00e9nyek<\/h4>\r\n                    <ul>\r\n                        <li><strong>Fiatalok els\u0151 lak\u00e1sa:<\/strong> Ha 35 \u00e9v alatti vagy \u00e9s ez az els\u0151 lak\u00e1sod, az illet\u00e9k csak <strong>2%<\/strong> (ha a lak\u00e1s nem dr\u00e1g\u00e1bb, mint 15 000 000 Ft).<\/li>\r\n                        <li><strong>Cserep\u00f3tl\u00f3 v\u00e9tel:<\/strong> Ha a v\u00e1s\u00e1rl\u00e1s el\u0151tti 3 \u00e9vben, vagy ut\u00e1na 1 \u00e9ven bel\u00fcl eladsz egy m\u00e1sik lak\u00e1st, csak a k\u00e9t ingatlan \u00e1rk\u00fcl\u00f6nb\u00f6zete ut\u00e1n kell illet\u00e9ket fizetned.<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n            <\/div>\r\n        <\/section>\r\n\r\n        <!-- 4. H\u00c1Z\u00c9P\u00cdT\u00c9S -->\r\n        <section class=\"ts-guide-section\">\r\n            <h3>4. H\u00e1z\u00e9p\u00edt\u00e9s (Saj\u00e1t c\u00e9lra)<\/h3>\r\n            <p>Egy csal\u00e1di h\u00e1z fel\u00e9p\u00edt\u00e9se komoly pap\u00edrmunk\u00e1val j\u00e1r. Ezeken a l\u00e9p\u00e9seken kell v\u00e9gigmenned:<\/p>\r\n            <ol>\r\n                <li><strong>Helyi \u00c9p\u00edt\u00e9si Szab\u00e1lyzat (H\u00c9SZ):<\/strong> Ez az orig\u00f3. Ebb\u0151l der\u00fcl ki, hogy a telkedre mekkora \u00e9s milyen t\u00edpus\u00fa h\u00e1zat h\u00fazhatsz fel.<\/li>\r\n                <li><strong>Tervez\u00e9s:<\/strong> Egy \u00e9p\u00edt\u00e9szm\u00e9rn\u00f6k elk\u00e9sz\u00edti neked a hat\u00f3s\u00e1gnak beny\u00fajtand\u00f3 \u00e9p\u00edt\u00e9szeti-m\u0171szaki terveket.<\/li>\r\n                <li><strong>Egyszer\u0171 bejelent\u00e9s:<\/strong> Ha saj\u00e1t r\u00e9szre \u00e9p\u00edtesz egy 300 m\u00b2 alatti h\u00e1zat, nincs sz\u00fcks\u00e9g hagyom\u00e1nyos enged\u00e9lyre, el\u00e9g egy \"Egyszer\u0171 bejelent\u00e9s\" az \u00c9TDR rendszerben.<\/li>\r\n                <li><strong>E-napl\u00f3:<\/strong> A kapav\u00e1g\u00e1s el\u0151tt k\u00f6telez\u0151 megnyitnotok az elektronikus \u00e9p\u00edt\u00e9si napl\u00f3t.<\/li>\r\n                <li><strong>Kivitelez\u00e9s:<\/strong> A munka sor\u00e1n sz\u00fcks\u00e9ged lesz tervez\u0151i m\u0171vezet\u00e9sre \u00e9s egy felel\u0151s m\u0171szaki vezet\u0151re is.<\/li>\r\n                <li><strong>Haszn\u00e1latbav\u00e9tel:<\/strong> Ha k\u00e9sz a h\u00e1z, a bek\u00f6lt\u00f6z\u00e9s el\u0151tt haszn\u00e1latbav\u00e9teli tudom\u00e1sulv\u00e9telt kell k\u00e9rned a hat\u00f3s\u00e1gt\u00f3l.<\/li>\r\n            <\/ol>\r\n        <\/section>\r\n\r\n        <!-- 5. HITEL \u00c9S CSOK PLUSZ -->\r\n        <section class=\"ts-guide-section\">\r\n            <h3>5. Hitel\u00fcgyint\u00e9z\u00e9s \u00e9s CSOK Plusz<\/h3>\r\n            <p>Ha a v\u00e1s\u00e1rl\u00e1shoz vagy \u00e9p\u00edtkez\u00e9shez banki seg\u00edts\u00e9gre van sz\u00fcks\u00e9ged, \u00edgy \u00e9rdemes nekiv\u00e1gni:<\/p>\r\n            <ol>\r\n                <li><strong>El\u0151min\u0151s\u00edt\u00e9s:<\/strong> M\u00e9g miel\u0151tt lefoglal\u00f3zn\u00e1l egy ingatlant, k\u00e9rj a bankodt\u00f3l egy ingyenes el\u0151min\u0151s\u00edt\u00e9st.<\/li>\r\n                <li><strong>\u00c9rt\u00e9kbecsl\u00e9s:<\/strong> A bank kik\u00fcld egy f\u00fcggetlen \u00e9rt\u00e9kbecsl\u0151t. A hitel\u00f6sszeg az \u0151 becsl\u00e9s\u00e9n fog m\u00falni.<\/li>\r\n                <li><strong>CSOK Plusz:<\/strong> Gyermeket v\u00e1llal\u00f3 h\u00e1zasp\u00e1rok k\u00e9rhetik, maximum fix 3%-os kamattal. \r\n                    <ul>\r\n                        <li><em>Alapfelt\u00e9telek:<\/em> Csak h\u00e1zasok k\u00e9rhetik, a feles\u00e9g max. 41 \u00e9ves lehet, \u00e9s kell min. 2 \u00e9v folyamatos TB.<\/li>\r\n                        <li><em>A lak\u00e1s \u00e9rt\u00e9ke:<\/em> Els\u0151 k\u00f6z\u00f6s lak\u00e1sn\u00e1l max. <strong>80 000 000 Ft<\/strong>. Nagyobbn\u00e1l max. <strong>150 000 000 Ft<\/strong>.<\/li>\r\n                        <li><em>Hitel\u00f6sszeg:<\/em> 1 gyermekn\u00e9l max. 15 000 000 Ft, 2-n\u00e9l max. 30 000 000 Ft, 3+ gyermekn\u00e9l max. 50 000 000 Ft.<\/li>\r\n                        <li><em>T\u0151keelenged\u00e9s:<\/em> A 2. \u00fajsz\u00fcl\u00f6ttt\u0151l kezdve gyermekenk\u00e9nt <strong>10 000 000 Ft<\/strong>-ot elenged az \u00e1llam.<\/li>\r\n                    <\/ul>\r\n                <\/li>\r\n                <li><strong>Babav\u00e1r\u00f3 hitel:<\/strong> Szabad felhaszn\u00e1l\u00e1s\u00fa hitel, ami az els\u0151 gyermek megsz\u00fclet\u00e9se ut\u00e1n kamatmentess\u00e9 v\u00e1lik.<\/li>\r\n                <li><strong>Foly\u00f3s\u00edt\u00e1s:<\/strong> Lak\u00e1sv\u00e1s\u00e1rl\u00e1sn\u00e1l a bank egyb\u0151l az elad\u00f3nak utal, \u00e9p\u00edtkez\u00e9sn\u00e9l pedig szakaszosan.<\/li>\r\n            <\/ol>\r\n        <\/section>\r\n        \r\n        <!-- JAV\u00cdTOTT KALKUL\u00c1TOR R\u00c9SZ -->\r\n        <section class=\"ts-guide-section\">\r\n            <h3>Pr\u00f3b\u00e1ld ki: CSOK Plusz \u00e9s Illet\u00e9kkalkul\u00e1tor<\/h3>\r\n            <p>\u00c1ll\u00edtsd be az adatokat a saj\u00e1t \u00e9lethelyzetednek megfelel\u0151en, \u00e9s n\u00e9zd meg, mennyi t\u00e1mogat\u00e1sra vagy jogosult!<\/p>\r\n            \r\n            <div id=\"csok-calc-app\">\r\n                <div class=\"calc-row\">\r\n                    <label>Csal\u00e1di \u00e1llapot<\/label>\r\n                    <select id=\"csok-marital\" class=\"calc-input\">\r\n                        <option value=\"married\" selected>H\u00e1zast\u00e1rsak<\/option>\r\n                        <option value=\"single\">Egyed\u00fcl\u00e1ll\u00f3 \/ \u00c9lett\u00e1rs<\/option>\r\n                    <\/select>\r\n                <\/div>\r\n                <div style=\"display:grid; grid-template-columns:1fr 1fr; gap:15px;\" class=\"calc-row\">\r\n                    <div>\r\n                        <label>Megl\u00e9v\u0151 gyermekek sz\u00e1ma<\/label>\r\n                        <input type=\"number\" id=\"csok-exist\" class=\"calc-input\" min=\"0\" max=\"5\" value=\"0\">\r\n                    <\/div>\r\n                    <div>\r\n                        <label>V\u00e1llalt \/ \u00daj gyermekek sz\u00e1ma<\/label>\r\n                        <input type=\"number\" id=\"csok-new\" class=\"calc-input\" min=\"0\" max=\"5\" value=\"1\">\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"calc-row\">\r\n                    <label>Els\u0151 k\u00f6z\u00f6s lak\u00e1s?<\/label>\r\n                    <label class=\"calc-checkbox-lbl\">\r\n                        <input type=\"checkbox\" id=\"csok-first\" checked> Igen, ez az els\u0151 k\u00f6z\u00f6s lak\u00e1sunk\r\n                    <\/label>\r\n                <\/div>\r\n                <div class=\"calc-row\" style=\"margin-top:15px;\">\r\n                    <label>Ingatlan v\u00e9tel\u00e1ra: <span id=\"csok-prop-val-txt\">50 000 000 Ft<\/span><\/label>\r\n                    <input type=\"range\" id=\"csok-prop\" style=\"width:100%; cursor:pointer;\" min=\"10000000\" max=\"150000000\" step=\"1000000\" value=\"50000000\">\r\n                <\/div>\r\n\r\n                <div class=\"calc-results\">\r\n                    <div id=\"csok-err\" class=\"res-error\" style=\"display:none;\"><\/div>\r\n                    <div class=\"res-item\">\r\n                        <span>Jogosults\u00e1g (CSOK Plusz):<\/span>\r\n                        <span id=\"res-elig\" class=\"res-val\" style=\"color:#27ae60;\">Jogosult<\/span>\r\n                    <\/div>\r\n                    <div class=\"res-item\">\r\n                        <span>Felvehet\u0151 hitel\u00f6sszeg (max):<\/span>\r\n                        <span id=\"res-loan\" class=\"res-val\">15 000 000 Ft<\/span>\r\n                    <\/div>\r\n                    <div class=\"res-item\">\r\n                        <span>Alap vagyonszerz\u00e9si illet\u00e9k (4%):<\/span>\r\n                        <span id=\"res-tax-base\" class=\"res-val\">2 000 000 Ft<\/span>\r\n                    <\/div>\r\n                    <div class=\"res-item res-highlight\">\r\n                        <span>Illet\u00e9k megtakar\u00edt\u00e1s:<\/span>\r\n                        <span id=\"res-tax-save\" class=\"res-val\">2 000 000 Ft<\/span>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <script type=\"text\/javascript\">\r\n            (function(){\r\n                var elM = document.getElementById('csok-marital'),\r\n                    elE = document.getElementById('csok-exist'),\r\n                    elN = document.getElementById('csok-new'),\r\n                    elF = document.getElementById('csok-first'),\r\n                    elP = document.getElementById('csok-prop'),\r\n                    elPTxt = document.getElementById('csok-prop-val-txt'),\r\n                    rEl = document.getElementById('res-elig'),\r\n                    rLn = document.getElementById('res-loan'),\r\n                    rTb = document.getElementById('res-tax-base'),\r\n                    rTs = document.getElementById('res-tax-save'),\r\n                    rErr = document.getElementById('csok-err');\r\n\r\n                function fmt(num) {\r\n                    return Math.round(num).toLocaleString('hu-HU') + ' Ft';\r\n                }\r\n\r\n                function calc() {\r\n                    var m = elM.value, e = parseInt(elE.value) || 0, n = parseInt(elN.value) || 0,\r\n                        f = elF.checked, p = parseInt(elP.value) || 0;\r\n\r\n                    elPTxt.innerText = fmt(p);\r\n\r\n                    var tot = e + n;\r\n                    \/\/ Szab\u00e1ly: H\u00e1zasok \u00c9S van v\u00e1llalt gyermek\r\n                    var elig = (m === 'married' && n > 0);\r\n                    \/\/ Szab\u00e1ly: Limit 80M az els\u0151 k\u00f6z\u00f6sre, am\u00fagy 150M\r\n                    var limit = f ? 80000000 : 150000000;\r\n                    var over = p > limit;\r\n\r\n                    if(over) {\r\n                        rErr.style.display = 'block';\r\n                        rErr.innerText = 'Figyelem: Az ingatlan \u00e9rt\u00e9ke meghaladja a t\u00e1mogatott maxim\u00e1lis v\u00e9tel\u00e1rat (' + fmt(limit) + ')!';\r\n                        elig = false;\r\n                    } else {\r\n                        rErr.style.display = 'none';\r\n                    }\r\n\r\n                    var loan = 0;\r\n                    if(elig) {\r\n                        if(tot === 1) loan = 15000000;\r\n                        else if(tot === 2) loan = 30000000;\r\n                        else if(tot >= 3) loan = 50000000;\r\n                    }\r\n\r\n                    var tax = p * 0.04;\r\n                    \/\/ CSOK Plusz mentess\u00e9g eset\u00e9n az illet\u00e9k megtakar\u00edt\u00e1s megegyezik a 4%-al\r\n                    var save = elig ? tax : 0;\r\n\r\n                    rEl.innerText = elig ? 'Jogosult' : 'Nem jogosult';\r\n                    rEl.style.color = elig ? 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