{"id":156,"date":"2022-06-29T07:40:56","date_gmt":"2022-06-29T07:40:56","guid":{"rendered":"http:\/\/www.hazeslakas.hu\/?page_id=156"},"modified":"2022-06-29T12:55:33","modified_gmt":"2022-06-29T12:55:33","slug":"a-csok","status":"publish","type":"page","link":"http:\/\/www.hazeslakas.hu\/?page_id=156","title":{"rendered":"A CSOK"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>CSOK (Csal\u00e1di Otthonteremt\u00e9si Kedvezm\u00e9ny):<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A CSOK egyes\u00fclet\u00fcnk \u00e1ll\u00e1spontja szerint a Honfoglal\u00e1s \u00f3ta a leg\u00e1tfog\u00f3bb, legjobb csal\u00e1dt\u00e1mogat\u00e1s a csal\u00e1dok tulajdonl\u00e1sa, \u00e9s lakhat\u00e1sa jav\u00edt\u00e1s\u00e1nak el\u0151seg\u00edt\u00e9s\u00e9re \u2013 ez a csal\u00e1dt\u00e1mogat\u00e1s egyes\u00fclet\u00fcnk c\u00e9ljaival, az egy\u00e9nek, csal\u00e1dok tulajdonoss\u00e1, h\u00e1z, lak\u00e1s tulajdonoss\u00e1 v\u00e1l\u00e1s\u00e1val is egybeesik!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mi a CSOK \u00e9s milyen felt\u00e9telekkel vehet\u0151 ig\u00e9nybe?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A CSOK 2015. j\u00falius 1. \u00f3ta ig\u00e9nybe vehet\u0151 t\u00e1mogat\u00e1si forma a csal\u00e1dok, nagycsal\u00e1dok lak\u00e1shoz jut\u00e1s\u00e1nak el\u0151seg\u00edt\u00e9s\u00e9re, mely a t\u00f6bbsz\u00f6r m\u00f3dos\u00edtott, \u201cA lak\u00e1s\u00e9p\u00edt\u00e9si t\u00e1mogat\u00e1sr\u00f3l\u201d sz\u00f3l\u00f3 <strong>256\/2011 Korm\u00e1ny rendelettel<\/strong> kezd\u0151d\u00f6tt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A jelenlegi nagyszer\u0171 csal\u00e1dt\u00e1mogat\u00e1shoz (csal\u00e1dok tulajdon szerz\u00e9s\u00e9hez) azonban t\u00f6bb egym\u00e1st k\u00f6vet\u0151 jogszab\u00e1ly vezetett, melyek id\u0151rendben.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\"><nav class=\"has-background has-light-green-cyan-background-color is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Navig\u00e1ci\u00f3 19\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Men\\u00fc\"}'><button aria-haspopup=\"dialog\" aria-label=\"Men\u00fc megnyit\u00e1sa\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  id=\"modal-1\" \n\t\t\t\tdata-wp-class--has-modal-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-class--is-menu-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-watch=\"callbacks.initMenu\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t\tdata-wp-on--focusout=\"actions.handleMenuFocusout\"\n\t\t\t\ttabindex=\"-1\"\n\t\t\t>\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" \n\t\t\t\tdata-wp-bind--aria-modal=\"state.ariaModal\"\n\t\t\t\tdata-wp-bind--aria-label=\"state.ariaLabel\"\n\t\t\t\tdata-wp-bind--role=\"state.roleAttribute\"\n\t\t\t>\n\t\t\t\t\t\t\t<button aria-label=\"Men\u00fc bez\u00e1r\u00e1sa\" class=\"wp-block-navigation__responsive-container-close\" \n\t\t\t\tdata-wp-on--click=\"actions.closeMenuOnClick\"\n\t\t\t><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" \n\t\t\t\tdata-wp-watch=\"callbacks.focusFirstElement\"\n\t\t\t id=\"modal-1-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container has-background has-light-green-cyan-background-color is-responsive wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"http:\/\/www.hazeslakas.hu\/?page_id=195\"><span class=\"wp-block-navigation-item__label\">Lak\u00e1st\u00e1mogat\u00e1s \u2013 fontosabb jogszab\u00e1lyok id\u0151rendben<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00e1mogat\u00e1s \u00faj \u00e9s haszn\u00e1lt lak\u00e1s v\u00e1s\u00e1rl\u00e1s\u00e1hoz, valamint \u00e9p\u00edt\u00e9shez, b\u0151v\u00edt\u00e9shez vehet\u0151 ig\u00e9nybe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00e1mogat\u00e1snak k\u00e9t f\u0151 r\u00e9sze van.<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s<\/li><li>kedvezm\u00e9nyes kamatoz\u00e1s\u00fa jelz\u00e1loghitel<\/li><\/ol>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s, maximum 10 milli\u00f3 forint, melynek \u00f6sszege <strong>h\u00e1rom t\u00e9nyez\u0151t\u0151l f\u00fcgg<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>a meglev\u0151 vagy v\u00e1llalt&nbsp;<strong>gyermekek sz\u00e1m\u00e1t\u00f3l<\/strong><\/li><li><strong>\u00faj vagy haszn\u00e1lt<\/strong> lak\u00e1sra k\u00edv\u00e1nj\u00e1k-e ford\u00edtani<\/li><li><strong>a leend\u0151 ingatlan<\/strong> m\u00e9ret\u00e9t\u0151l<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s l\u00e9nyege t\u00e1bl\u00e1zatosan<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td>Gyerekek:<\/td><td><\/td><td>\u00daj lak\u00e1s \/ h\u00e1z<br>v\u00e1s\u00e1rl\u00e1s vagy \u00e9p\u00edt\u00e9s<\/td><td><\/td><td>Haszn\u00e1lt lak\u00e1s<br>v\u00e1s\u00e1rl\u00e1s vagy b\u0151v\u00edt\u00e9s<\/td><\/tr><\/thead><tbody><tr><td><\/td><td>\u00d6sszeg Ft<\/td><td>Min. alapter\u00fclet<\/td><td>\u00d6sszeg Ft<\/td><td>Min. alapter\u00fclet<\/td><\/tr><tr><td>1 gyerek<\/td><td>600 000<\/td><td>40 m2 \/ 70 m2<\/td><td>600 000<\/td><td>40 m2 lak\u00e1s<\/td><\/tr><tr><td>2 gyerek<\/td><td>2 600 000<\/td><td>50 m2 \/ 80 m2<\/td><td>1 430 000<\/td><td>50 m2 lak\u00e1s<\/td><\/tr><tr><td>3 gyerek<\/td><td>10 000 000<\/td><td>60 m2 \/ 90 m2<\/td><td>2 200 000<\/td><td>60 m2 lak\u00e1s<\/td><\/tr><tr><td>4 gyerek<\/td><td>10 000 000<\/td><td>60 m2 \/ 90 m2<\/td><td>2 750 000<\/td><td>70 m2 lak\u00e1s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kedvezm\u00e9nyes kamatoz\u00e1s\u00fa jelz\u00e1loghitel:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s kieg\u00e9sz\u00edthet\u0151 \u00e1llamilag garant\u00e1lt, kedvezm\u00e9nyes lak\u00e1shitellel, mellyel, adott <strong>felt\u00e9telek eset\u00e9n maximum 25 milli\u00f3 forint t\u00e1mogat\u00e1st lehet kapni.<\/strong> 2018. december 1-j\u00e9n m\u00f3dosultak az ig\u00e9nyl\u00e9s felt\u00e9telei, ett\u0151l a napt\u00f3l kezd\u0151d\u0151en lehet ig\u00e9nyelni t\u00f6bb bankban is az emelt \u00f6sszeg\u0171, 15 milli\u00f3 forintos kamatt\u00e1mogatott hitelt azoknak a csal\u00e1doknak, akik h\u00e1rom gyermek ut\u00e1n veszik fel a t\u00e1mogat\u00e1st. A k\u00e9tgyermekes csal\u00e1dok sz\u00e1m\u00e1ra pedig el\u00e9rhet\u0151v\u00e9 v\u00e1lt a 10 milli\u00f3 forintos kamatt\u00e1mogatott hitel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2019. j\u00falius 1-t\u0151l<\/strong> a 10, illetve 15 milli\u00f3 forintos kedvezm\u00e9nyes k\u00f6lcs\u00f6n&nbsp;nemcsak \u00faj \u00e9p\u00edt\u00e9s\u0171, hanem haszn\u00e1lt ingatlanra is ig\u00e9nybe vehet\u0151 (lak\u00e1sra \u00e9s h\u00e1zra).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ezen id\u0151pontt\u00f3l a CSOK felv\u00e9tel szempontj\u00e1b\u00f3l \u00faj h\u00e1znak min\u0151s\u00fcl a r\u00e9gi h\u00e1z alapj\u00e1ra \u00e9p\u00fcl\u0151 \u00faj ingatlan is \u2013 term\u00e9szetesen, ha az, az \u00e9p\u00edt\u00e9si t\u00f6rv\u00e9nynek megfelel.&nbsp;Ez esetben az \u00faj lak\u00e1sokra \u00e9rv\u00e9nyes CSOK \u00f6sszeg ig\u00e9nyelhet\u0151.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kedvezm\u00e9nyes kamatoz\u00e1s\u00fa jelz\u00e1loghitel l\u00e9nyege t\u00e1bl\u00e1zatosan<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td>Gyerekek:<\/td><td><\/td><td>\u00daJ lak\u00e1s \/ h\u00e1z<br>v\u00e1s\u00e1rl\u00e1s vagy \u00e9p\u00edt\u00e9s<\/td><td><\/td><td>HASZN\u00c1LT lak\u00e1s v\u00e1s\u00e1rl\u00e1s<\/td><\/tr><\/thead><tbody><tr><td><\/td><td>\u00d6sszeg Ft<\/td><td>Min. alapter\u00fclet<\/td><td>\u00d6sszeg Ft<\/td><td>Min. alapter\u00fclet<\/td><\/tr><tr><td>1 gyerek<\/td><td>nincs<\/td><td><\/td><td>nincs<\/td><td><\/td><\/tr><tr><td>2 gyerek<\/td><td>10.000.000<\/td><td>50 m2 \/ 80 m2<\/td><td>10.000.000<\/td><td>50 m2 lak\u00e1s<\/td><\/tr><tr><td>3 gyerek<\/td><td>15.000.000<\/td><td>60 m2 \/ 90 m2<\/td><td>15.000.000<\/td><td>60 m2 lak\u00e1s<\/td><\/tr><tr><td>4 gyerek<\/td><td>15.000.000<\/td><td>60 m2 \/ 90 m2<\/td><td>15.000.000<\/td><td>70 m2 lak\u00e1s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nagyon fontos, hogy a vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s \u00f6nmag\u00e1ban is, de a kedvezm\u00e9nyes CSOK hitel csak a vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1ssal egy\u00fctt vehet\u0151 ig\u00e9nybe \u2013 ez esetben a k\u00e9t t\u00e1bl\u00e1zatot (vissza nem t\u00e9r\u00edtend\u0151 \u00e1llami t\u00e1mogat\u00e1s \u00e9s a kedvezm\u00e9nyes kamatoz\u00e1s\u00fa jelz\u00e1loghitel) az adott esetre (megl\u00e9v\u0151 \u00e9s v\u00e1llalt felt\u00e9telek) egy\u00fcttesen lehet alkalmazni!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00f6rv\u00e9ny nagyon r\u00e9szletesen szab\u00e1lyozza a csal\u00e1di otthonteremt\u00e9si kedvezm\u00e9ny (CSOK) ig\u00e9nybev\u00e9tel\u00e9nek felt\u00e9teleit (melyek t\u00f6bbsz\u00f6r v\u00e1ltoztak, legut\u00f3bb 2021 janu\u00e1r 1.-\u00e9n), a legl\u00e9nyegesebbek az al\u00e1bbi h\u00e1rom csoportba sorolhat\u00f3k<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\"><nav class=\"has-background has-light-green-cyan-background-color is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Navig\u00e1ci\u00f3 23\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Men\\u00fc\"}'><button aria-haspopup=\"dialog\" aria-label=\"Men\u00fc megnyit\u00e1sa\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  id=\"modal-2\" \n\t\t\t\tdata-wp-class--has-modal-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-class--is-menu-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-watch=\"callbacks.initMenu\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t\tdata-wp-on--focusout=\"actions.handleMenuFocusout\"\n\t\t\t\ttabindex=\"-1\"\n\t\t\t>\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" \n\t\t\t\tdata-wp-bind--aria-modal=\"state.ariaModal\"\n\t\t\t\tdata-wp-bind--aria-label=\"state.ariaLabel\"\n\t\t\t\tdata-wp-bind--role=\"state.roleAttribute\"\n\t\t\t>\n\t\t\t\t\t\t\t<button aria-label=\"Men\u00fc bez\u00e1r\u00e1sa\" class=\"wp-block-navigation__responsive-container-close\" \n\t\t\t\tdata-wp-on--click=\"actions.closeMenuOnClick\"\n\t\t\t><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" \n\t\t\t\tdata-wp-watch=\"callbacks.focusFirstElement\"\n\t\t\t id=\"modal-2-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container has-background has-light-green-cyan-background-color is-responsive wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"http:\/\/www.hazeslakas.hu\/?page_id=232\"><span class=\"wp-block-navigation-item__label\">A CSOK Szem\u00e9lyi felt\u00e9telei<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\"><nav class=\"has-background has-light-green-cyan-background-color is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Navig\u00e1ci\u00f3 24\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Men\\u00fc\"}'><button aria-haspopup=\"dialog\" aria-label=\"Men\u00fc megnyit\u00e1sa\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  id=\"modal-3\" \n\t\t\t\tdata-wp-class--has-modal-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-class--is-menu-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-watch=\"callbacks.initMenu\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t\tdata-wp-on--focusout=\"actions.handleMenuFocusout\"\n\t\t\t\ttabindex=\"-1\"\n\t\t\t>\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" \n\t\t\t\tdata-wp-bind--aria-modal=\"state.ariaModal\"\n\t\t\t\tdata-wp-bind--aria-label=\"state.ariaLabel\"\n\t\t\t\tdata-wp-bind--role=\"state.roleAttribute\"\n\t\t\t>\n\t\t\t\t\t\t\t<button aria-label=\"Men\u00fc bez\u00e1r\u00e1sa\" class=\"wp-block-navigation__responsive-container-close\" \n\t\t\t\tdata-wp-on--click=\"actions.closeMenuOnClick\"\n\t\t\t><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" \n\t\t\t\tdata-wp-watch=\"callbacks.focusFirstElement\"\n\t\t\t id=\"modal-3-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container has-background has-light-green-cyan-background-color is-responsive wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"http:\/\/www.hazeslakas.hu\/?page_id=236\"><span class=\"wp-block-navigation-item__label\">A CSOK Megl\u00e9v\u0151 vagy v\u00e1llalt gyermekre vonatkoz\u00f3 felt\u00e9telei<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\"><nav class=\"has-background has-light-green-cyan-background-color is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Navig\u00e1ci\u00f3 25\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Men\\u00fc\"}'><button aria-haspopup=\"dialog\" aria-label=\"Men\u00fc megnyit\u00e1sa\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  id=\"modal-4\" \n\t\t\t\tdata-wp-class--has-modal-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-class--is-menu-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-watch=\"callbacks.initMenu\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t\tdata-wp-on--focusout=\"actions.handleMenuFocusout\"\n\t\t\t\ttabindex=\"-1\"\n\t\t\t>\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" \n\t\t\t\tdata-wp-bind--aria-modal=\"state.ariaModal\"\n\t\t\t\tdata-wp-bind--aria-label=\"state.ariaLabel\"\n\t\t\t\tdata-wp-bind--role=\"state.roleAttribute\"\n\t\t\t>\n\t\t\t\t\t\t\t<button aria-label=\"Men\u00fc bez\u00e1r\u00e1sa\" class=\"wp-block-navigation__responsive-container-close\" \n\t\t\t\tdata-wp-on--click=\"actions.closeMenuOnClick\"\n\t\t\t><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" \n\t\t\t\tdata-wp-watch=\"callbacks.focusFirstElement\"\n\t\t\t id=\"modal-4-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container has-background has-light-green-cyan-background-color is-responsive wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"http:\/\/www.hazeslakas.hu\/?page_id=238\"><span class=\"wp-block-navigation-item__label\">A CSOK megvenni vagy fel\u00faj\u00edtani k\u00edv\u00e1nt ingatlanra vonatkoz\u00f3 felt\u00e9telei<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sz\u00fcks\u00e9ges dokumentumok<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\"><nav class=\"has-background has-light-green-cyan-background-color is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Navig\u00e1ci\u00f3 26\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Men\\u00fc\"}'><button aria-haspopup=\"dialog\" aria-label=\"Men\u00fc megnyit\u00e1sa\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  id=\"modal-5\" \n\t\t\t\tdata-wp-class--has-modal-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-class--is-menu-open=\"state.isMenuOpen\"\n\t\t\t\tdata-wp-watch=\"callbacks.initMenu\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t\tdata-wp-on--focusout=\"actions.handleMenuFocusout\"\n\t\t\t\ttabindex=\"-1\"\n\t\t\t>\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" \n\t\t\t\tdata-wp-bind--aria-modal=\"state.ariaModal\"\n\t\t\t\tdata-wp-bind--aria-label=\"state.ariaLabel\"\n\t\t\t\tdata-wp-bind--role=\"state.roleAttribute\"\n\t\t\t>\n\t\t\t\t\t\t\t<button aria-label=\"Men\u00fc bez\u00e1r\u00e1sa\" class=\"wp-block-navigation__responsive-container-close\" \n\t\t\t\tdata-wp-on--click=\"actions.closeMenuOnClick\"\n\t\t\t><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" \n\t\t\t\tdata-wp-watch=\"callbacks.focusFirstElement\"\n\t\t\t id=\"modal-5-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container has-background has-light-green-cyan-background-color is-responsive wp-block-navigation\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"http:\/\/www.hazeslakas.hu\/?page_id=240\"><span class=\"wp-block-navigation-item__label\">A CSOK ig\u00e9nyl\u00e9s\u00e9hez sz\u00fcks\u00e9ges dokumentumok, igazol\u00e1sok<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">CSOK-hoz kapcsolhat\u00f3 egy\u00e9b \u2013 ingatlan szerz\u00e9st seg\u00edt\u0151 \u2013 t\u00e1mogat\u00e1sok<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Babav\u00e1r\u00f3 hitel:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A h\u00e9tpontos csal\u00e1dt\u00e1mogat\u00e1si akci\u00f3terv (1. pontja) keret\u00e9ben bevezet\u00e9sre ker\u00fclt a fiatal h\u00e1zasok gyermekv\u00e1llal\u00e1si t\u00e1mogat\u00e1sa. Minden 40 \u00e9v alatti n\u0151, aki els\u0151 h\u00e1zass\u00e1g\u00e1t k\u00f6ti, a k\u00f6z\u00f6s \u00e9let kezd\u00e9s\u00e9hez 10 milli\u00f3 forint \u00f6sszeg\u0171 kedvezm\u00e9nyes k\u00f6lcs\u00f6nben r\u00e9szes\u00fclhet. A t\u00f6rleszt\u00e9s az els\u0151 gyermek \u00e9rkez\u00e9sekor h\u00e1rom \u00e9vre felf\u00fcggeszt\u00e9sre ker\u00fcl, a m\u00e1sodik gyermek \u00e9rkez\u00e9sekor \u00fajb\u00f3l h\u00e1rom \u00e9vre felf\u00fcggeszt\u00e9sre ker\u00fcl, \u00e9s a t\u0151ketartoz\u00e1s harmad\u00e1t nem kell visszafizetni. Ha harmadik gyerek is sz\u00fcletik, akkor a k\u00f6lcs\u00f6n tov\u00e1bbi r\u00e9sze teljes eg\u00e9sz\u00e9ben elenged\u00e9sre ker\u00fcl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Babav\u00e1r\u00f3 hitel \u2013 konkr\u00e9tan nem tartozna egyes\u00fclet\u00fcnk l\u00e1t\u00f3k\u00f6r\u00e9be, mert tulajdonk\u00e9ppen h\u00e1rom gyermek v\u00e1llal\u00e1sa eset\u00e9n, b\u00e1rmire felhaszn\u00e1lhat\u00f3, kamatmentes szem\u00e9lyi hitel, megeml\u00edteni az\u00e9rt kell, mert ingatlan v\u00e1s\u00e1rl\u00e1s\u00e1ra is fel lehet haszn\u00e1lni \u2013 a CSOK-al kombin\u00e1lhat\u00f3 \u201eBabav\u00e1r\u00f3 hitel\u201d-t, \u201ej\u00f3l\u201d alkalmazva ak\u00e1r 25 milli\u00f3 vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1st lehet ig\u00e9nybe venni.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Jelz\u00e1loghitel elenged\u00e9se:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A lak\u00e1sc\u00e9l\u00fa jelz\u00e1loghitelek t\u00f6rleszt\u00e9s\u00e9n\u00e9l is m\u00f3dos\u00edt\u00e1st hoz a csal\u00e1dv\u00e9delmi program (3. pontja) a m\u00e1sodik gyermek sz\u00fclet\u00e9sekor 1 milli\u00f3 forintot, a harmadik gyermek sz\u00fclet\u00e9sekor 4 milli\u00f3 forintot, minden tov\u00e1bbi gyermek sz\u00fclet\u00e9sekor pedig 1-1 milli\u00f3 forintot v\u00e1llal \u00e1t az \u00e1llam a sz\u00fcl\u0151k megl\u00e9v\u0151 jelz\u00e1loghitel\u00e9b\u0151l. Ez a kedvezm\u00e9ny csak a lak\u00e1sc\u00e9l\u00fa hitelekre k\u00e9rv\u00e9nyezhet\u0151. CSOK mellett is ig\u00e9nybe vehet\u0151, de az nem felt\u00e9tel.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Falusi CSOK:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A falusi CSOK, a csal\u00e1dok kis telep\u00fcl\u00e9sen marad\u00e1s\u00e1t seg\u00edti el\u0151, a vissza nem t\u00e9r\u00edtend\u0151 t\u00e1mogat\u00e1s haszn\u00e1lt ingatlanra is annyi, mintha \u00faj ingatlan v\u00e1s\u00e1rl\u00e1s\u00e1ra ford\u00edtan\u00e1k. A falusi CSOK&nbsp;2019. j\u00falius 1. \u00f3ta \u00e9rhet\u0151 el, 2021. janu\u00e1rt\u00f3l 2679 prefer\u00e1lt kistelep\u00fcl\u00e9sen. Fontos, hogy minimum egy \u00e9ves folyamatos TB jogviszonyt kell igazolnia legal\u00e1bb az egyik ig\u00e9nyl\u0151nek.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fontos! A falusi CSOK programot 2022. december 31-ig meghosszabb\u00edtott\u00e1k.<\/strong><\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00f6ld CSOK:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2021. okt\u00f3ber 4-t\u0151l a&nbsp;CSOK-hitel \u00f6sszekapcsolhat\u00f3 az MNB \u00e1ltal ind\u00edtott \u201eZ\u00f6ld Otthon Programmal\u201d, a program keret\u00e9ben v\u00e1s\u00e1rolt vagy \u00e9p\u00edtett, az energetikai felt\u00e9teleknek megfelel\u0151 \u00faj\u00e9p\u00edt\u00e9s\u0171 ingatlan eset\u00e9ben a&nbsp;<strong>z\u00f6ld&nbsp;CSOK hitel kamatmentesen vehet\u0151 ig\u00e9nybe<\/strong>.<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>A z\u00f6ld CSOK keret\u00e9ben el\u00e9rhet\u0151 maxim\u00e1lis hitel\u00f6sszeg megegyezik a CSOK hasonl\u00f3 gyermekv\u00e1llal\u00e1ssal ig\u00e9nyelt CSOK hitel \u00f6sszeg\u00e9vel.<\/li><li>A z\u00f6ld hitel \u00e9s a z\u00f6ld CSOK egy\u00fcttes \u00f6sszege maximum 70 milli\u00f3 forint.<\/li><\/ol>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">O &#8211; O<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">*<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CSOK (Csal\u00e1di Otthonteremt\u00e9si Kedvezm\u00e9ny): A CSOK egyes\u00fclet\u00fcnk \u00e1ll\u00e1spontja szerint a Honfoglal\u00e1s \u00f3ta a leg\u00e1tfog\u00f3bb, legjobb csal\u00e1dt\u00e1mogat\u00e1s a csal\u00e1dok tulajdonl\u00e1sa, \u00e9s lakhat\u00e1sa jav\u00edt\u00e1s\u00e1nak el\u0151seg\u00edt\u00e9s\u00e9re \u2013 ez a csal\u00e1dt\u00e1mogat\u00e1s egyes\u00fclet\u00fcnk c\u00e9ljaival, az egy\u00e9nek, csal\u00e1dok tulajdonoss\u00e1, h\u00e1z, lak\u00e1s tulajdonoss\u00e1 v\u00e1l\u00e1s\u00e1val is egybeesik! Mi a CSOK \u00e9s milyen felt\u00e9telekkel vehet\u0151 ig\u00e9nybe? A CSOK 2015. j\u00falius 1. \u00f3ta ig\u00e9nybe vehet\u0151 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-156","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/pages\/156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=156"}],"version-history":[{"count":24,"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/pages\/156\/revisions"}],"predecessor-version":[{"id":266,"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=\/wp\/v2\/pages\/156\/revisions\/266"}],"wp:attachment":[{"href":"http:\/\/www.hazeslakas.hu\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}