{"id":27406,"date":"2026-05-11T09:19:10","date_gmt":"2026-05-11T09:19:10","guid":{"rendered":"https:\/\/domek-nl.bearwithus.nl\/?post_type=blog&#038;p=27406"},"modified":"2026-06-26T19:08:48","modified_gmt":"2026-06-26T19:08:48","slug":"jelzaloghitel-kamat-atvitele-uj-otthonba-megeri","status":"publish","type":"blog","link":"https:\/\/domek-nl.bearwithus.nl\/hu\/hirek-es-tippek\/jelzaloghitel-kamat-atvitele-uj-otthonba-megeri\/","title":{"rendered":"Jelz\u00e1loghitel-kamat \u00e1tvitele \u00faj otthonba \u2013 meg\u00e9ri?"},"content":{"rendered":"\n<p class=\"font-weight-bold wp-block-paragraph\">Sok hollandiai ingatlantulajdonosnak m\u00e9g mindig olyan jelz\u00e1loghitele van, amely egy alacsonyabb kamatk\u00f6rnyezetben lett felv\u00e9ve. Egy k\u00f6lt\u00f6z\u00e9s sor\u00e1n egy \u00faj ingatlanba ezeket a felt\u00e9teleket elvesz\u00edteni jelent\u0151sen megn\u00f6velheti a havi t\u00f6rleszt\u0151r\u00e9szleteket.<\/p>\n\n\n\n<p class=\"font-weight-bold wp-block-paragraph\">Amit sokan nem tudnak: bizonyos esetekben lehet\u0151s\u00e9g van arra, hogy a megl\u00e9v\u0151 jelz\u00e1loghitel-kamatot \u00e1tments\u00e9k egy \u00faj ingatlanra. Hollandi\u00e1ban ezt hypotheekrente meenemen-nek nevezik.<\/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\/Blog-page-photos-1200-x-628-px-64.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Moving to a new home in the Netherlands with your mortgage\" style=\"object-fit:cover;\" srcset=\"https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64.jpg 1200w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-300x157.jpg 300w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-1024x536.jpg 1024w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-768x402.jpg 768w, https:\/\/domek-nl.bearwithus.nl\/wp-content\/uploads\/2026\/05\/Blog-page-photos-1200-x-628-px-64-690x361.jpg 690w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n<h2 class=\"wp-block-heading\">Mi az a hypotheekrente meenemen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A hypotheekrente meenemen azt jelenti, hogy a megl\u00e9v\u0151 jelz\u00e1loghitel-kamatot \u00e1tviszik az \u00faj ingatlanra, miut\u00e1n az el\u0151z\u0151 otthon elad\u00e1sra ker\u00fclt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a lehet\u0151s\u00e9g k\u00fcl\u00f6n\u00f6sen vonz\u00f3 azok sz\u00e1m\u00e1ra, akiknek a jelenlegi kamata alacsonyabb, mint a piaci kamatok. A megl\u00e9v\u0151 kamat megtart\u00e1s\u00e1val elker\u00fclhet\u0151k a magasabb havi k\u00f6lts\u00e9gek, \u00e9s kedvez\u0151bb finansz\u00edroz\u00e1si felt\u00e9telek maradhatnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A gyakorlatban ez azt jelenti, hogy a megl\u00e9v\u0151 jelz\u00e1log egy r\u00e9sze vagy ak\u00e1r eg\u00e9sze \u00e1tvihet\u0151 az \u00faj otthonba.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mikor el\u0151ny\u00f6s a jelz\u00e1logkamat \u00e1tvitele?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A kamat \u00e1tvitele akkor lehet el\u0151ny\u00f6s, ha:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a jelenlegi kamat alacsonyabb, mint a piaci kamatok<\/li>\n\n\n\n<li>nagyobb ingatlanba k\u00f6lt\u00f6zik<\/li>\n\n\n\n<li>szeretn\u00e9 cs\u00f6kkenteni a havi kiad\u00e1sokat<\/li>\n\n\n\n<li>van felhalmozott ingatlan\u00e9rt\u00e9ke (overwaarde)<\/li>\n\n\n\n<li>nagyobb p\u00e9nz\u00fcgyi stabilit\u00e1st szeretne k\u00f6lt\u00f6z\u00e9s ut\u00e1n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sokan csal\u00e1db\u0151v\u00fcl\u00e9s, munkahelyv\u00e1lt\u00e1s vagy jobb anyagi helyzet miatt k\u00f6lt\u00f6znek. Egy kedvez\u0151 kamat megtart\u00e1sa seg\u00edthet stabilabb havi k\u00f6lts\u00e9geket biztos\u00edtani.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mindenki haszn\u00e1lhatja ezt a lehet\u0151s\u00e9get?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lehet\u0151s\u00e9g t\u00f6bb t\u00e9nyez\u0151t\u0151l f\u00fcgg:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a jelenlegi bank felt\u00e9telei<\/li>\n\n\n\n<li>a jelz\u00e1log t\u00edpusa<\/li>\n\n\n\n<li>a p\u00e9nz\u00fcgyi helyzet<\/li>\n\n\n\n<li>az \u00faj ingatlan \u00e9rt\u00e9ke<\/li>\n\n\n\n<li>az \u00faj hitel \u00f6sszege<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Minden bank saj\u00e1t szab\u00e1lyokat alkalmaz a verhuisregeling (k\u00f6lt\u00f6z\u00e9si szab\u00e1ly) kapcs\u00e1n. Sok esetben a bank \u00fajra\u00e9rt\u00e9keli a hitelk\u00e9pess\u00e9get.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi t\u00f6rt\u00e9nik, ha az \u00faj ingatlan dr\u00e1g\u00e1bb?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ez egy nagyon gyakori helyzet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ilyenkor \u00e1ltal\u00e1ban lehets\u00e9ges:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a megl\u00e9v\u0151 kamat megtart\u00e1sa a jelenlegi hitelr\u00e9szre<\/li>\n\n\n\n<li>a fennmarad\u00f3 \u00f6sszeg finansz\u00edroz\u00e1sa az aktu\u00e1lis piaci kamaton<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cdgy a hitel egy r\u00e9sze tov\u00e1bbra is alacsonyabb kamattal maradhat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u00f6telez\u0151 ugyanann\u00e1l a bankn\u00e1l maradni?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A legt\u00f6bb esetben igen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A kamat \u00e1tvitele \u00e1ltal\u00e1ban ugyanazon bankon bel\u00fcl t\u00f6rt\u00e9nik. Minden bank saj\u00e1t felt\u00e9teleket alkalmaz a verhuisregeling haszn\u00e1lat\u00e1ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez\u00e9rt fontos minden opci\u00f3t alaposan \u00f6sszehasonl\u00edtani.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e9ha a kamat megtart\u00e1sa a legjobb megold\u00e1s, m\u00e1s esetben egy teljesen \u00faj jelz\u00e1log lehet el\u0151ny\u00f6sebb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hogyan zajlik a folyamat?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A folyamat \u00e1ltal\u00e1ban a k\u00f6vetkez\u0151 l\u00e9p\u00e9sekb\u0151l \u00e1ll:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>jelenlegi ingatlan elad\u00e1sa<\/li>\n\n\n\n<li>megl\u00e9v\u0151 jelz\u00e1log elemz\u00e9se<\/li>\n\n\n\n<li>banki felt\u00e9telek ellen\u0151rz\u00e9se<\/li>\n\n\n\n<li>hitelk\u00e9pess\u00e9g felm\u00e9r\u00e9se<\/li>\n\n\n\n<li>legjobb finansz\u00edroz\u00e1si megold\u00e1s kiv\u00e1laszt\u00e1sa<\/li>\n\n\n\n<li>\u00faj jelz\u00e1log rendez\u00e9se<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A j\u00f3 tervez\u00e9s nagyon fontos, mert a bankok gyakran szigor\u00fa hat\u00e1rid\u0151ket alkalmaznak az \u00e1tvitelre az elad\u00e1s ut\u00e1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hogyan seg\u00edt a Domek?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Domekn\u00e9l A-t\u00f3l Z-ig seg\u00edt\u00fcnk a Hollandi\u00e1ban \u00e9l\u0151 nemzetk\u00f6zi \u00fcgyfeleknek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elemezz\u00fck:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a kamat \u00e1tvitel\u00e9nek lehet\u0151s\u00e9geit<\/li>\n\n\n\n<li>a jelenlegi bank felt\u00e9teleit<\/li>\n\n\n\n<li>a rendelkez\u00e9sre \u00e1ll\u00f3 finansz\u00edroz\u00e1si opci\u00f3kat<\/li>\n\n\n\n<li>a j\u00f6v\u0151beli havi k\u00f6lts\u00e9geket<\/li>\n\n\n\n<li>az \u00d6n helyzet\u00e9re legjobb megold\u00e1st<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Emellett seg\u00edt\u00fcnk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>az ingatlan elad\u00e1s\u00e1ban<\/li>\n\n\n\n<li>\u00faj otthon keres\u00e9s\u00e9ben<\/li>\n\n\n\n<li>a jelz\u00e1log int\u00e9z\u00e9s\u00e9ben<\/li>\n\n\n\n<li>dokumentumok el\u0151k\u00e9sz\u00edt\u00e9s\u00e9ben<\/li>\n\n\n\n<li>az eg\u00e9sz folyamat lebonyol\u00edt\u00e1s\u00e1ban az \u00d6n nyelv\u00e9n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Teljes k\u00f6r\u0171 t\u00e1mogat\u00e1s nemzetk\u00f6zieknek Hollandi\u00e1ban<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Domek t\u00f6bb mint 15 \u00e9ve seg\u00edt nemzetk\u00f6zi \u00fcgyfeleknek ingatlan v\u00e1s\u00e1rl\u00e1s\u00e1ban \u00e9s jelz\u00e1log\u00fcgyint\u00e9z\u00e9sben Hollandi\u00e1ban.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Szak\u00e9rt\u0151i csapatunk v\u00e9gigk\u00eds\u00e9ri a teljes folyamatot \u2014 a hitelk\u00e9pess\u00e9g sz\u00e1m\u00edt\u00e1s\u00e1t\u00f3l az aj\u00e1nlatok \u00f6sszehasonl\u00edt\u00e1s\u00e1n \u00e1t az \u00faj otthon v\u00e9gleges\u00edt\u00e9s\u00e9ig.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ha szeretn\u00e9 tudni, hogy \u00e1tviheti-e a jelenlegi jelz\u00e1logkamat\u00e1t egy \u00faj otthonba, vegye fel vel\u00fcnk a kapcsolatot. Seg\u00edt\u00fcnk megtal\u00e1lni a legjobb megold\u00e1st.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefon: +31 88 1021 500<br>Email: <a>info@domek.nl<\/a><\/p>\n","protected":false},"author":20,"featured_media":27405,"template":"","meta":{"_acf_changed":false,"_seopress_titles_title":"Jelz\u00e1logkamat \u00e1tvitele \u00faj otthonba | Domek","_seopress_titles_desc":"Tartsa meg jelz\u00e1logkamat\u00e1t \u00faj ingatlan v\u00e1s\u00e1rl\u00e1sakor Hollandi\u00e1ban. Ismerje meg a hypotheekrente meenemen m\u0171k\u00f6d\u00e9s\u00e9t.","_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":[184],"class_list":["post-27406","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog_categorie-jelzaloghitel"],"acf":[],"_links":{"self":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/blog\/27406","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\/27405"}],"wp:attachment":[{"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/media?parent=27406"}],"wp:term":[{"taxonomy":"blog_categorie","embeddable":true,"href":"https:\/\/domek-nl.bearwithus.nl\/hu\/wp-json\/wp\/v2\/blog_categorie?post=27406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}