{"id":23784,"date":"2026-05-08T14:19:42","date_gmt":"2026-05-08T14:19:42","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/?post_type=blog&#038;p=23784"},"modified":"2026-06-24T13:33:32","modified_gmt":"2026-06-24T13:33:32","slug":"valas-es-kozos-otthon-hollandiaban-milyen-lehetosegei-vannak","status":"publish","type":"blog","link":"https:\/\/domek-nl.bearwithus.nl\/hu\/hirek-es-tippek\/valas-es-kozos-otthon-hollandiaban-milyen-lehetosegei-vannak\/","title":{"rendered":"V\u00e1l\u00e1s \u00e9s k\u00f6z\u00f6s otthon Hollandi\u00e1ban \u2013 milyen lehet\u0151s\u00e9gei vannak?"},"content":{"rendered":"\n<p class=\"font-weight-bold wp-block-paragraph\">A v\u00e1l\u00e1s vagy k\u00fcl\u00f6nv\u00e1l\u00e1s nemcsak \u00e9rzelmileg megterhel\u0151 id\u0151szak, hanem sz\u00e1mos k\u00e9rd\u00e9st is felvet a lakhat\u00e1ssal, a jelz\u00e1loghitellel \u00e9s a p\u00e9nz\u00fcgyekkel kapcsolatban. Sokan Hollandi\u00e1ban azon gondolkodnak, mi lesz a k\u00f6z\u00f6s otthonnal, \u00e9s lehets\u00e9ges-e \u00faj fejezetet kezdeni tov\u00e1bbi p\u00e9nz\u00fcgyi terhek n\u00e9lk\u00fcl.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" src=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Middle-class couple in a typical Dutch home discussing housing and financial decisions after divorce or separation\" style=\"object-fit:cover;\" srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands.jpg 1200w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands-300x157.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands-1024x536.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands-768x402.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/divorce-separation-home-netherlands-690x361.jpg 690w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n<h2 class=\"wp-block-heading\">Mi t\u00f6rt\u00e9nik az ingatlannal v\u00e1l\u00e1s ut\u00e1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Minden helyzet egyedi. Sok esetben lehet\u0151s\u00e9g van arra, hogy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00e1tvegye a k\u00f6z\u00f6s otthont;<\/li>\n\n\n\n<li>eladj\u00e1k az ingatlant \u00e9s megossz\u00e1k az elad\u00e1sb\u00f3l sz\u00e1rmaz\u00f3 \u00f6sszeget;<\/li>\n\n\n\n<li>refinansz\u00edrozz\u00e1k a megl\u00e9v\u0151 jelz\u00e1loghitelt;<\/li>\n\n\n\n<li>v\u00e1l\u00e1s ut\u00e1n \u00faj lak\u00e1st vagy h\u00e1zat v\u00e1s\u00e1roljanak;<\/li>\n\n\n\n<li>felhaszn\u00e1lj\u00e1k az ingatlanban l\u00e9v\u0151 saj\u00e1t t\u0151k\u00e9t (<strong>overwaarde<\/strong>).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A legjobb megold\u00e1s t\u00f6bbek k\u00f6z\u00f6tt az al\u00e1bbiakt\u00f3l f\u00fcgg:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mindk\u00e9t f\u00e9l j\u00f6vedelm\u00e9t\u0151l;<\/li>\n\n\n\n<li>az ingatlan \u00e9rt\u00e9k\u00e9t\u0151l;<\/li>\n\n\n\n<li>a fennmarad\u00f3 jelz\u00e1loghitel \u00f6sszeg\u00e9t\u0151l;<\/li>\n\n\n\n<li>a csal\u00e1di helyzett\u0151l;<\/li>\n\n\n\n<li>a v\u00e1l\u00e1s ut\u00e1ni p\u00e9nz\u00fcgyi lehet\u0151s\u00e9gekt\u0151l.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c1tveheti a k\u00f6z\u00f6s otthont v\u00e1l\u00e1s ut\u00e1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sok esetben igen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ha az egyik f\u00e9l szeretne a jelenlegi otthonban maradni, gyakran lehet\u0151s\u00e9g van a jelz\u00e1loghitel \u00e1tv\u00e9tel\u00e9re \u00e9s a m\u00e1sik f\u00e9l kiv\u00e1s\u00e1rl\u00e1s\u00e1ra. A bank \u00e1ltal\u00e1ban a k\u00f6vetkez\u0151ket vizsg\u00e1lja:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a j\u00f6vedelmet;<\/li>\n\n\n\n<li>a megl\u00e9v\u0151 p\u00e9nz\u00fcgyi k\u00f6telezetts\u00e9geket;<\/li>\n\n\n\n<li>az ingatlan \u00e9rt\u00e9k\u00e9t;<\/li>\n\n\n\n<li>a jelz\u00e1loghitel fizethet\u0151s\u00e9g\u00e9t a v\u00e1l\u00e1s ut\u00e1n.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sok ember sz\u00e1m\u00e1ra k\u00fcl\u00f6n\u00f6sen fontos a stabilit\u00e1s meg\u0151rz\u00e9se, f\u0151k\u00e9nt akkor, ha gyermekek, iskola \u00e9s a megszokott k\u00f6rnyezet is \u00e9rintett.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kaphat \u00faj jelz\u00e1loghitelt v\u00e1l\u00e1s ut\u00e1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Igen \u2013 a v\u00e1l\u00e1s nem jelenti automatikusan azt, hogy elvesz\u00edti a jelz\u00e1loghitel felv\u00e9tel\u00e9nek lehet\u0151s\u00e9g\u00e9t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hollandi\u00e1ban sokan a v\u00e1l\u00e1s ut\u00e1n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00faj lak\u00e1st v\u00e1s\u00e1rolnak;<\/li>\n\n\n\n<li>kisebb ingatlanba k\u00f6lt\u00f6znek;<\/li>\n\n\n\n<li>\u00f6n\u00e1ll\u00f3an \u00e9p\u00edtik \u00fajra p\u00e9nz\u00fcgyi helyzet\u00fcket.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A lehet\u0151s\u00e9gek az \u00d6n egy\u00e9ni p\u00e9nz\u00fcgyi helyzet\u00e9t\u0151l \u00e9s jelenlegi k\u00f6telezetts\u00e9geit\u0151l f\u00fcggenek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ingatlanelad\u00e1s v\u00e1l\u00e1s ut\u00e1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bizonyos helyzetekben az ingatlan elad\u00e1sa lehet a legjobb megold\u00e1s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ingatlan \u00e9rt\u00e9kes\u00edt\u00e9se:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>seg\u00edthet rendezni a p\u00e9nz\u00fcgyi helyzetet;<\/li>\n\n\n\n<li>\u00faj kezdetet biztos\u00edthat;<\/li>\n\n\n\n<li>lehet\u0151v\u00e9 teheti \u00faj otthon v\u00e1s\u00e1rl\u00e1s\u00e1t;<\/li>\n\n\n\n<li>elker\u00fclhet\u0151v\u00e9 teheti az ingatlannal kapcsolatos hossz\u00fa t\u00e1v\u00fa konfliktusokat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hollandi\u00e1ban egyre t\u00f6bben d\u00f6ntenek \u00fagy, hogy minden sz\u00fcks\u00e9ges \u00fcgyet nyugodtan rendeznek m\u00e9g a v\u00e1l\u00e1si folyamat lez\u00e1r\u00e1sa el\u0151tt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi\u00e9rt \u00e9rdemes id\u0151ben felm\u00e9rni a lehet\u0151s\u00e9geit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sokan halogatj\u00e1k a d\u00f6nt\u00e9seket, mert agg\u00f3dnak a lakhat\u00e1s \u00e9s a p\u00e9nz\u00fcgyeik miatt. A val\u00f3s\u00e1gban azonban a korai t\u00e1j\u00e9koz\u00f3d\u00e1s gyakran cs\u00f6kkenti a stresszt \u00e9s a bizonytalans\u00e1got.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1r egyetlen konzult\u00e1ci\u00f3 is seg\u00edthet meg\u00e9rteni:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lehets\u00e9ges-e az ingatlan \u00e1tv\u00e9tele;<\/li>\n\n\n\n<li>jogosult lehet-e \u00faj jelz\u00e1loghitelre;<\/li>\n\n\n\n<li>mekkora lehet a hitelk\u00e9pess\u00e9ge v\u00e1l\u00e1s ut\u00e1n;<\/li>\n\n\n\n<li>melyik megold\u00e1s a legbiztons\u00e1gosabb p\u00e9nz\u00fcgyi szempontb\u00f3l.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00e1mogat\u00e1s k\u00fclf\u00f6ldieknek Hollandi\u00e1ban<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Domek.nl \u00e9vek \u00f3ta seg\u00edti a Hollandi\u00e1ban \u00e9l\u0151 k\u00fclf\u00f6ldieket jelz\u00e1loghitelekkel, ingatlan\u00fcgyekkel \u00e9s v\u00e1l\u00e1s vagy k\u00fcl\u00f6nv\u00e1l\u00e1s ut\u00e1ni p\u00e9nz\u00fcgyi k\u00e9rd\u00e9sekkel kapcsolatban.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Szak\u00e9rt\u0151ink seg\u00edts\u00e9get ny\u00fajtanak:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a p\u00e9nz\u00fcgyi lehet\u0151s\u00e9gek elemz\u00e9s\u00e9ben;<\/li>\n\n\n\n<li>az ingatlan \u00e1tv\u00e9tel\u00e9ben;<\/li>\n\n\n\n<li>a jelz\u00e1loghitel refinansz\u00edroz\u00e1s\u00e1ban;<\/li>\n\n\n\n<li>az ingatlan \u00e9rt\u00e9kes\u00edt\u00e9s\u00e9ben;<\/li>\n\n\n\n<li>a sz\u00fcks\u00e9ges \u00fcgyint\u00e9z\u00e9sben;<\/li>\n\n\n\n<li>a bankokkal val\u00f3 kapcsolattart\u00e1sban;<\/li>\n\n\n\n<li>valamint a mindk\u00e9t f\u00e9l sz\u00e1m\u00e1ra legjobb megold\u00e1s megtal\u00e1l\u00e1s\u00e1ban.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sok esetben medi\u00e1torokkal is egy\u00fcttm\u0171k\u00f6d\u00fcnk, hogy a helyzetet a lehet\u0151 legnyugodtabb \u00e9s leg\u00e1tl\u00e1that\u00f3bb m\u00f3don rendezz\u00fck.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Szeretn\u00e9 megismerni a lehet\u0151s\u00e9geit v\u00e1l\u00e1s ut\u00e1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vegye fel a kapcsolatot a Domek.nl csapat\u00e1val, \u00e9s tudja meg, milyen megold\u00e1sok \u00e1llnak rendelkez\u00e9s\u00e9re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? +31 88 1021 500<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2709\ufe0f <a>info@domek.nl<\/a><\/p>\n","protected":false},"author":20,"featured_media":23783,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"V\u00e1l\u00e1s \u00e9s otthon Hollandi\u00e1ban | Milyen lehet\u0151s\u00e9gei vannak?","_seopress_titles_desc":"Ismerje meg lehet\u0151s\u00e9geit v\u00e1l\u00e1s ut\u00e1n Hollandi\u00e1ban: ingatlan \u00e1tv\u00e9tele, \u00e9rt\u00e9kes\u00edt\u00e9se, jelz\u00e1loghitel refinansz\u00edroz\u00e1sa \u00e9s a Domek t\u00e1mogat\u00e1sa.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"inline_featured_image":false},"blog_categorie":[152],"class_list":["post-23784","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog_categorie-valas-es-kulonvalas"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/blog\/23784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/users\/20"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/media\/23783"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/media?parent=23784"}],"wp:term":[{"taxonomy":"blog_categorie","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/blog_categorie?post=23784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}