{"id":1308,"date":"2025-08-30T16:16:00","date_gmt":"2025-08-30T16:16:00","guid":{"rendered":"https:\/\/suzannerealty.hu\/?p=1308"},"modified":"2026-03-05T15:33:35","modified_gmt":"2026-03-05T15:33:35","slug":"ingatlanvasarlas-a-costa-del-solon-hitelfelvetel-magyaroknak","status":"publish","type":"post","link":"https:\/\/suzannerealty.hu\/hu\/ingatlanvasarlas-a-costa-del-solon-hitelfelvetel-magyaroknak\/","title":{"rendered":"Jelz\u00e1loghitelek Spanyolorsz\u00e1gban \u2013 Milyen lehet\u0151s\u00e9gei vannak?"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Ha Spanyolorsz\u00e1gban \u00e9l, vagy k\u00f6lt\u00f6z\u00e9st \u00e9s ingatlanv\u00e1s\u00e1rl\u00e1st tervez, elengedhetetlen meg\u00e9rteni, hogyan m\u0171k\u00f6dnek a jelz\u00e1loghitelek (hipotecas). A spanyol jelz\u00e1loghitel-rendszer k\u00fclf\u00f6ldi lakosok sz\u00e1m\u00e1ra is el\u00e9rhet\u0151, \u00e9s sok bank rendszeresen dolgozik nemzetk\u00f6zi \u00fcgyfelekkel.<\/p>

Ak\u00e1r az EU-b\u00f3l, ak\u00e1r az EU-n k\u00edv\u00fclr\u0151l sz\u00e1rmazik, \u00e1ltal\u00e1ban lehets\u00e9ges finansz\u00edroz\u00e1st ig\u00e9nyelni, a tart\u00f3zkod\u00e1si st\u00e1tusz\u00e1t\u00f3l \u00e9s a p\u00e9nz\u00fcgyi helyzet\u00e9t\u0151l f\u00fcgg\u0151en.<\/p>

El\u0151leg \u00e9s hitelfelt\u00e9telek<\/h6>

Spanyolorsz\u00e1gban a bankok jellemz\u0151en a k\u00f6vetkez\u0151ket k\u00f6vetelik meg:<\/p>

El\u0151leg:<\/strong> 20\u201330% az ingatlan \u00e1r\u00e1b\u00f3l
K\u00f6lcs\u00f6n futamideje:<\/strong> \u00c1ltal\u00e1ban 20-30 \u00e9v
Kamatl\u00e1b:<\/strong> K\u00f6r\u00fclbel\u00fcl 3,5\u201341 TP3T \u00e9vente (fix vagy v\u00e1ltoz\u00f3, az aj\u00e1nlatt\u00f3l \u00e9s a piaci k\u00f6r\u00fclm\u00e9nyekt\u0151l f\u00fcgg\u0151en)<\/p>

A nem rezidens v\u00e1s\u00e1rl\u00f3knak esetenk\u00e9nt magasabb \u00f6ner\u0151re lehet sz\u00fcks\u00e9g\u00fck, a bank kock\u00e1zat\u00e9rt\u00e9kel\u00e9s\u00e9t\u0151l f\u00fcgg\u0151en.<\/p>

Jelz\u00e1log-forgat\u00f3k\u00f6nyvek p\u00e9ld\u00e1i<\/h6>

Az al\u00e1bbiakban indikat\u00edv sz\u00e1m\u00edt\u00e1sok l\u00e1that\u00f3k (~25% \u00f6ner\u0151t \u00e9s 25 \u00e9ves futamid\u0151t felt\u00e9telezve).
A pontos felt\u00e9telek a bankt\u00f3l \u00e9s az \u00d6n p\u00e9nz\u00fcgyi helyzet\u00e9t\u0151l f\u00fcggenek.<\/p>

Ingatlan \u00e1ra (\u20ac)<\/th>El\u0151leg (25%) (\u20ac)<\/th>K\u00f6lcs\u00f6n\u00f6sszeg (\u20ac)<\/th>Id\u0151tartam (\u00e9v)<\/th>Havi t\u00f6rleszt\u0151r\u00e9szlet (\u20ac)<\/th><\/tr><\/thead>
150,000<\/td>37,500<\/td>112,500<\/td>25<\/td>560\u2013600<\/td><\/tr>
200,000<\/td>50,000<\/td>150,000<\/td>25<\/td>740\u2013780<\/td><\/tr>
250,000<\/td>62,500<\/td>187,500<\/td>25<\/td>920\u2013970<\/td><\/tr>
300,000<\/td>75,000<\/td>225,000<\/td>25<\/td>1100\u20131150<\/td><\/tr><\/tbody><\/table><\/div><\/div>

Ezek az adatok hozz\u00e1vet\u0151legesek, \u00e9s a kamatl\u00e1b t\u00edpus\u00e1t\u00f3l, a banki szab\u00e1lyzatt\u00f3l \u00e9s a hitelk\u00e9pess\u00e9gt\u0151l f\u00fcggenek.<\/p>

Mit fognak k\u00e9rni a bankok?<\/h6>

Spanyolorsz\u00e1gban jelz\u00e1loghitel ig\u00e9nyl\u00e9sekor a bankok \u00e1ltal\u00e1ban a k\u00f6vetkez\u0151ket vizsg\u00e1lj\u00e1k:<\/p>

  • Stabil j\u00f6vedelem igazol\u00e1sa (alkalmazotti vagy \u00f6n\u00e1ll\u00f3 v\u00e1llalkoz\u00f3i tev\u00e9kenys\u00e9g)<\/p><\/li>

  • Legut\u00f3bbi fizet\u00e9si jegyz\u00e9kek vagy ad\u00f3bevall\u00e1sok<\/p><\/li>

  • Megl\u00e9v\u0151 p\u00e9nz\u00fcgyi k\u00f6telezetts\u00e9gek<\/p><\/li>

  • Hitelt\u00f6rt\u00e9net az \u00d6n haz\u00e1j\u00e1ban<\/p><\/li>

  • Spanyol banksz\u00e1mla (fizet\u00e9sekhez \u00e9s hitelkezel\u00e9shez)<\/p><\/li><\/ul>

    A rendszerezett p\u00e9nz\u00fcgyi dokument\u00e1ci\u00f3 jelent\u0151sen n\u00f6veli a j\u00f3v\u00e1hagy\u00e1s es\u00e9lyeit.<\/p>

    Gyakorlati tippek k\u00fclf\u00f6ldieknek<\/h6>

    • Hasonl\u00edtsa \u00f6ssze a k\u00fcl\u00f6nb\u00f6z\u0151 bankok aj\u00e1nlatait \u2013 a felt\u00e9telek elt\u00e9r\u0151ek lehetnek.<\/p><\/li>

    • Vegye figyelembe mind a fix, mind a v\u00e1ltoz\u00f3 kamatoz\u00e1s\u00fa opci\u00f3kat.<\/p><\/li>

    • K\u00e9sz\u00edtsen re\u00e1lis k\u00f6lts\u00e9gvet\u00e9st, amely tartalmazza a v\u00e1s\u00e1rl\u00e1shoz kapcsol\u00f3d\u00f3 ad\u00f3kat \u00e9s a j\u00e1rul\u00e9kos k\u00f6lts\u00e9geket.<\/p><\/li>

    • Min\u00e9l magasabb az el\u0151leg, ann\u00e1l er\u0151sebb a t\u00e1rgyal\u00e1si poz\u00edci\u00f3d.<\/p><\/li>

    • Dolgozz egy\u00fctt egy helyi szakemberrel, aki \u00e9rt mind a jogi, mind a banki folyamatokhoz.<\/p><\/li><\/ul>

      Z\u00e1r\u00f3 gondolatok<\/h6>

      A spanyolorsz\u00e1gi ingatlanv\u00e1s\u00e1rl\u00e1s abszol\u00fat megval\u00f3s\u00edthat\u00f3 a k\u00fclf\u00f6ldi lakosok sz\u00e1m\u00e1ra. Megfelel\u0151 dokument\u00e1ci\u00f3val, stabil \u00f6ner\u0151vel \u00e9s gondos p\u00e9nz\u00fcgyi tervez\u00e9ssel sok k\u00fclf\u00f6ldi \u00e1llampolg\u00e1r minden \u00e9vben sikeresen kap jelz\u00e1loghitelt.<\/p>

      Ha ingatlanv\u00e1s\u00e1rl\u00e1son gondolkodik, \u00e9s \u00fatmutat\u00e1st szeretne a folyamat sor\u00e1n \u2013 bele\u00e9rtve a jelz\u00e1loghitel-t\u00e1mogat\u00e1st \u00e9s a helyi koordin\u00e1ci\u00f3t \u2013, a szakmai seg\u00edts\u00e9g g\u00f6rd\u00fcl\u00e9kenyebb\u00e9 \u00e9s hat\u00e9konyabb\u00e1 teheti a folyamatot: info@suzannerealty.hu<\/p>

      \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      If you are living in Spain or planning to relocate and buy a property, understanding how mortgages (hipotecas) work is […]<\/p>\n","protected":false},"author":1,"featured_media":159140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment"],"acf":[],"_links":{"self":[{"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/posts\/1308","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/comments?post=1308"}],"version-history":[{"count":16,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/posts\/1308\/revisions"}],"predecessor-version":[{"id":159144,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/posts\/1308\/revisions\/159144"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/media\/159140"}],"wp:attachment":[{"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/media?parent=1308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/categories?post=1308"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/suzannerealty.hu\/hu\/wp-json\/wp\/v2\/tags?post=1308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}