{"id":27495,"date":"2026-01-16T11:44:55","date_gmt":"2026-01-16T10:44:55","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/az-ingatlanvasarlas-lepesrol-lepesre-torteno-folyamata-del-cipruson\/"},"modified":"2026-01-16T11:45:43","modified_gmt":"2026-01-16T10:45:43","slug":"az-ingatlanvasarlas-lepesrol-lepesre-torteno-folyamata-del-cipruson","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/hu\/az-ingatlanvasarlas-lepesrol-lepesre-torteno-folyamata-del-cipruson\/","title":{"rendered":"Az ingatlanv\u00e1s\u00e1rl\u00e1s l\u00e9p\u00e9sr\u0151l-l\u00e9p\u00e9sre t\u00f6rt\u00e9n\u0151 folyamata D\u00e9l-Cipruson"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">0\ufe0f\u20e3 <strong>Gyors \u00e1ttekint\u00e9s (TL;DR)<\/strong><br\/>Foglal\u00e1s (2-4 nap) \u2192 blokkolja az \u00e1rat \u00e9s az egys\u00e9get.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00dcgyv\u00e9di \u00e1tvil\u00e1g\u00edt\u00e1s (1-3 h\u00e9t) \u2192 tulajdonjog \u00e9s enged\u00e9lyek ellen\u0151rz\u00e9se.<\/p>\n\n<p class=\"wp-block-paragraph\">Ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s (SPA) \u00e9s telekk\u00f6nyvi bejegyz\u00e9s (az al\u00e1\u00edr\u00e1st\u00f3l sz\u00e1m\u00edtott 60 napon bel\u00fcl).<\/p>\n\n<p class=\"wp-block-paragraph\">Fizet\u00e9sek terv szerint \/ jelz\u00e1loghitel \u2192 + esetleges 5 % \u00c1FA k\u00e9r\u00e9s (f\u0151 lak\u00f3hely).<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c1tad\u00e1s, k\u00f6zm\u0171vek, ir\u00e1ny\u00edt\u00e1s \u2192 majd a tulajdoni lap \u00e1tad\u00e1sa (1-6 h\u00f3nap; \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanok eset\u00e9ben a tulajdonjog k\u00e9szenl\u00e9t\u00e9t\u0151l f\u00fcgg\u0151en).<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 <strong>El\u0151k\u00e9sz\u00edt\u00e9s \u00e9s kiv\u00e1laszt\u00e1s<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A c\u00e9l meghat\u00e1roz\u00e1sa: f\u0151 lak\u00f3hely (lehets\u00e9ges 5 %-os H\u00c9A) vs. befektet\u00e9s\/b\u00e9rbead\u00e1s (19 %-os H\u00c9A vagy H\u00c9A n\u00e9lk\u00fcli viszontelad\u00e1s).<\/li>\n\n\n\n<li>Ellen\u0151rizze a k\u00f6lts\u00e9gvet\u00e9st \u00e9s a finansz\u00edroz\u00e1st: saj\u00e1t forr\u00e1s \/ jelz\u00e1loghitel \/ fejleszt\u0151i finansz\u00edroz\u00e1s.<\/li>\n\n\n\n<li>Helysz\u00ednek el\u0151zetes kiv\u00e1laszt\u00e1sa: Limassol (pr\u00e9mium, dr\u00e1ga), Larnaca\/Paphos (magasabb hozam), Nicosia (stabil belf\u00f6ldi piac).<\/li>\n\n\n\n<li>Tipp: k\u00f6ss\u00f6n keretegy\u00fcttm\u0171k\u00f6d\u00e9st egy f\u00fcggetlen \u00fcgyv\u00e9ddel (nem a fejleszt\u0151 \u00fcgyv\u00e9dj\u00e9vel).<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">2\ufe0f\u20e3 <strong>Foglal\u00e1s (Foglal\u00e1s \/ Booking)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Foglal\u00e1si \u0171rlap al\u00e1\u00edr\u00e1sa + foglal\u00f3 befizet\u00e9se (\u00e1ltal\u00e1ban 2.000-5.000 \u20ac)<\/li>\n\n\n\n<li>A fejleszt\u0151 ideiglenesen kivonja az ingatlant az \u00e9rt\u00e9kes\u00edt\u00e9sb\u0151l \u00e9s r\u00f6gz\u00edti az \u00e1rat<\/li>\n\n\n\n<li>Foglal\u00e1si felt\u00e9telek: visszat\u00e9r\u00edtend\u0151\/nem visszat\u00e9r\u00edtend\u0151, az SPA al\u00e1\u00edr\u00e1s\u00e1nak hat\u00e1rideje, az egys\u00e9g pontos le\u00edr\u00e1sa \u00e9s az \u00e1rlista.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">3\ufe0f\u20e3 <strong>Jogi ellen\u0151rz\u00e9s (Due Diligence)<\/strong><br\/>Az \u00fcgyv\u00e9d ellen\u0151rzi:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Tulajdonjog &#8211;<\/strong> z\u00e1logjogok, terhek, egym\u00e1ssal verseng\u0151 k\u00f6vetel\u00e9sek<\/li>\n\n\n\n<li>\u00c9p\u00edt\u00e9si enged\u00e9lyek, tervez\u00e9si korl\u00e1tok, parcellamegoszt\u00e1s<\/li>\n\n\n\n<li>\u00daj \u00e9p\u00edtkez\u00e9sek eset\u00e9n: k\u00fcl\u00f6n jogc\u00edmek (v\u00e1rhat\u00f3 id\u0151pont), projekt regisztr\u00e1ci\u00f3, garanci\u00e1k.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Kimenet: \u00edr\u00e1sbeli jelent\u00e9s\/v\u00e9lem\u00e9ny a folytat\u00e1sra vagy annak mell\u0151z\u00e9s\u00e9re vonatkoz\u00f3 aj\u00e1nl\u00e1ssal.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">4\ufe0f\u20e3 <strong>Ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s (SPA)<\/strong><br\/>Pozit\u00edv \u00e1tvil\u00e1g\u00edt\u00e1st k\u00f6vet\u0151en az \u00fcgyv\u00e9d t\u00e1rgyal:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00c1r, fizet\u00e9si terv, \u00e9p\u00edt\u00e9si \u00fctemterv, k\u00f6tb\u00e9rek, garanci\u00e1k, hi\u00e1nyoss\u00e1gok, \u00e1tad\u00e1si id\u0151pontok, let\u00e9tbe helyezett kifizet\u00e9sek, vitarendez\u00e9s.<\/li>\n\n\n\n<li>Al\u00e1\u00edr\u00e1s (szem\u00e9lyesen vagy meghatalmaz\u00e1s \u00fatj\u00e1n)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>B\u00e9lyegillet\u00e9k (hozz\u00e1vet\u0151leges):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>5 000 eur\u00f3ig \u2192 0 %<\/li>\n\n\n\n<li>\u20ac5,001-170,000 \u2192 0.15 %<\/li>\n\n\n\n<li>170 000 eur\u00f3 felett \u2192 0,20 % (jogszab\u00e1lyi fels\u0151 hat\u00e1rral)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Az SPA-t az al\u00e1\u00edr\u00e1st\u00f3l sz\u00e1m\u00edtott 60 napon bel\u00fcl be kell jegyeztetni a K\u00f6rzeti F\u00f6ldhivataln\u00e1l &#8211; ez biztos\u00edtja az \u00d6n jogi ig\u00e9ny\u00e9t harmadik szem\u00e9lyekkel szemben.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">5\ufe0f\u20e3 <strong>H\u00c9A- \u00e9s ad\u00f3rendszerek<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00daj \u00e9p\u00edt\u00e9s: standard 19 % \u00c1FA<\/li>\n\n\n\n<li>F\u0151 lak\u00f3hely: az els\u0151 130 m\u00b2-re 5 %-os kedvezm\u00e9nyes \u00e1fa lehets\u00e9ges (felt\u00e9telek vonatkoznak; hat\u00e1r\u00e9rt\u00e9k felett vagy egy\u00e9b felhaszn\u00e1l\u00e1s = 19 %).<\/li>\n\n\n\n<li>\u00dajra\u00e9rt\u00e9kes\u00edt\u00e9s (haszn\u00e1lt): \u00e1ltal\u00e1ban nem kell \u00e1f\u00e1t fizetni.<\/li>\n\n\n\n<li>\u00c9p\u00edt\u00e9si c\u00e9l\u00fa f\u00f6ldter\u00fclet: 19 % H\u00c9A-t lehet felsz\u00e1m\u00edtani (az elad\u00f3t\u00f3l\/st\u00e1tuszt\u00f3l f\u00fcgg\u0151en).<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">6\ufe0f\u20e3 <strong>Kifizet\u00e9sek \/ Finansz\u00edroz\u00e1s<\/strong><br\/><strong>Finansz\u00edroz\u00e1si<\/strong> modellek:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Fejleszt\u0151i finansz\u00edroz\u00e1s (gyakran kamatmentes az \u00e9p\u00edtkez\u00e9s alatt): pl. 30 %-os el\u0151leg + m\u00e9rf\u00f6ldk\u0151 kifizet\u00e9sek.<\/li>\n\n\n\n<li>Jelz\u00e1loghitel ciprusi bankt\u00f3l (EU-s \u00fcgyfelek \u00e1ltal\u00e1ban 60-70 % LTV; legfeljebb 25 \u00e9v)<\/li>\n\n\n\n<li>Kombin\u00e1ci\u00f3 (fejleszt\u0151 + bank)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Fizet\u00e9sbiztons\u00e1g: \u00fcgyv\u00e9di<\/strong> let\u00e9tbe helyez\u00e9s, m\u00e9rf\u00f6ldk\u0151sz\u00e1ml\u00e1z\u00e1s, egy\u00e9rtelm\u0171 hat\u00e1rid\u0151k<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">7\ufe0f\u20e3 <strong>Tulajdonjog \u00e1truh\u00e1z\u00e1sa (tulajdonjog \u00e1truh\u00e1z\u00e1sa)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>A teljes \u00f6sszeg kifizet\u00e9se \u00e9s a felt\u00e9telek teljes\u00edt\u00e9se ut\u00e1n az \u00fcgyv\u00e9d k\u00e9ri a tulajdonjog \u00e1truh\u00e1z\u00e1s\u00e1t.<\/li>\n\n\n\n<li><strong>\u00c1tutal\u00e1si d\u00edj (<\/strong> ha alkalmazhat\u00f3): \u00e1f\u00e1s v\u00e1s\u00e1rl\u00e1sok eset\u00e9n \u00e1ltal\u00e1ban nincs; nem \u00e1f\u00e1s v\u00e1s\u00e1rl\u00e1sok eset\u00e9n a norm\u00e1l ad\u00f3m\u00e9rt\u00e9kb\u0151l 50 %-kal cs\u00f6kkentett (3 % \/ 5 % \/ 8 %-os sk\u00e1la \u2192 fel\u00e9re cs\u00f6kkentve).<\/li>\n\n\n\n<li>A f\u00f6ldhivatal \u00faj tulajdoni lapot \u00e1ll\u00edt ki a vev\u0151 nev\u00e9re<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Id\u0151keretek (kb.):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00dajra\u00e9rt\u00e9kes\u00edt\u00e9s megl\u00e9v\u0151 jogc\u00edmmel: 1-2 h\u00f3nap<\/li>\n\n\n\n<li>\u00daj \u00e9p\u00edt\u00e9s\u0171, k\u00e9sz c\u00edmekkel: 3-4 h\u00f3nap<\/li>\n\n\n\n<li>Projekt v\u00e9gleges c\u00edmek n\u00e9lk\u00fcl: (f\u00fcgg a fejleszt\u0151t\u0151l \/ a f\u00f6ldhivatalt\u00f3l)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">8\ufe0f\u20e3 <strong>\u00c1tad\u00e1s-\u00e1tv\u00e9tel, min\u0151s\u00e9gellen\u0151rz\u00e9s (Snagging) \u00e9s menedzsment<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>M\u0171szaki ellen\u0151rz\u00e9s (hi\u00e1nyoss\u00e1gi lista) &#8211; kisebb hib\u00e1k \u00e9s a jav\u00edt\u00e1si hat\u00e1rid\u0151<\/li>\n\n\n\n<li>Villany, v\u00edz, internet, b\u00fatorzat, biztos\u00edt\u00e1s \u00e1tad\u00e1sa<\/li>\n\n\n\n<li>Lak\u00f3\u00e9p\u00fcletekben: meg\u00e1llapod\u00e1s a k\u00f6z\u00f6s ter\u00fcletkezel\u00e9sr\u0151l (szolg\u00e1ltat\u00e1si d\u00edj)<\/li>\n\n\n\n<li>Befektet\u00e9shez: b\u00e9rbead\u00e1s (hossz\u00fa t\u00e1v\u00fa \/ r\u00f6vid t\u00e1v\u00fa turisztikai regisztr\u00e1ci\u00f3val)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">9\ufe0f\u20e3 <strong>V\u00e1s\u00e1rl\u00f3i k\u00f6lts\u00e9gek (hozz\u00e1vet\u0151legesen)<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00dcgyv\u00e9d: ~(vagy 1.500-2.000 \u20ac egy standard lak\u00e1s eset\u00e9ben)<\/li>\n\n\n\n<li>B\u00e9lyegillet\u00e9k: l\u00e1sd fent (a jogszab\u00e1lyi fels\u0151 hat\u00e1r)<\/li>\n\n\n\n<li>\u00c1tutal\u00e1si d\u00edj: \u00e1f\u00e1s v\u00e1s\u00e1rl\u00e1s eset\u00e9n nincs; egy\u00e9b esetben a norm\u00e1l \u00e1rak 50 %-a.<\/li>\n\n\n\n<li>H\u00c9A: 19 % (vagy 5 % az els\u0151 130 m\u00b2-es f\u0151\u00e9p\u00fcletre)<\/li>\n\n\n\n<li>K\u00f6zm\u0171vek \/ Transzferek: t\u00edzesekt\u0151l az alacsony sz\u00e1zasokig \u20ac<\/li>\n\n\n\n<li>Szolg\u00e1ltat\u00e1si d\u00edj: \u00e1ltal\u00e1ban 30-100 \u20ac\/h\u00f3 (projektt\u0151l f\u00fcgg\u0151en)<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd1f Az EU-s \u00e9s nem EU-s v\u00e1s\u00e1rl\u00f3kra vonatkoz\u00f3 saj\u00e1toss\u00e1gok<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>EU-polg\u00e1r: korl\u00e1tlan<\/strong> v\u00e1s\u00e1rl\u00e1s; standard elj\u00e1r\u00e1s<\/li>\n\n\n\n<li><strong>Nem uni\u00f3s \u00e1llampolg\u00e1r: k\u00f6zigazgat\u00e1si \u00faton szerzett<\/strong> jogszerz\u00e9si enged\u00e9ly sz\u00fcks\u00e9ges (\u00e1llami hat\u00f3s\u00e1g) &#8211; az \u00fcgyv\u00e9d a tranzakci\u00f3val p\u00e1rhuzamosan int\u00e9zi az \u00fcgyletet.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Gyakori hib\u00e1k (mit nem szabad tennie az \u00fcgyf\u00e9lnek):<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>SPA al\u00e1\u00edr\u00e1sa f\u00fcggetlen \u00fcgyv\u00e9d n\u00e9lk\u00fcl<\/li>\n\n\n\n<li>Az SPA 60 napon bel\u00fcli bejegyz\u00e9s\u00e9nek elmulaszt\u00e1sa a f\u00f6ldhivataln\u00e1l<\/li>\n\n\n\n<li>Vissza\u00e9l\u00e9s az 5 %-os H\u00c9A-val (f\u0151 lak\u00f3hely b\u00e9rl\u00e9se \u2192 19 %-os k\u00fcl\u00f6nb\u00f6zetet fizetni + b\u00fcntet\u00e9s)<\/li>\n\n\n\n<li>Fizessen a szerz\u0151d\u00e9sen k\u00edv\u00fcl \u00e9s m\u00e9rf\u00f6ldk\u0151 fedezet n\u00e9lk\u00fcl<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>0\ufe0f\u20e3 Gyors \u00e1ttekint\u00e9s (TL;DR)Foglal\u00e1s (2-4 nap) \u2192 blokkolja az \u00e1rat \u00e9s az egys\u00e9get. \u00dcgyv\u00e9di \u00e1tvil\u00e1g\u00edt\u00e1s (1-3 h\u00e9t) \u2192 tulajdonjog \u00e9s enged\u00e9lyek ellen\u0151rz\u00e9se. Ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s (SPA) \u00e9s telekk\u00f6nyvi bejegyz\u00e9s (az al\u00e1\u00edr\u00e1st\u00f3l sz\u00e1m\u00edtott 60 napon bel\u00fcl). Fizet\u00e9sek terv szerint \/ jelz\u00e1loghitel \u2192 + esetleges 5 % \u00c1FA k\u00e9r\u00e9s (f\u0151 lak\u00f3hely). \u00c1tad\u00e1s, k\u00f6zm\u0171vek, ir\u00e1ny\u00edt\u00e1s \u2192 majd a tulajdoni&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[538,543,598],"tags":[],"class_list":["post-27495","post","type-post","status-publish","format-standard","hentry","category-informaciok-vasarloknak","category-ingatlanvasarlas","category-ingatlanvasarlas-del-ciprus"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/27495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/comments?post=27495"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/27495\/revisions"}],"predecessor-version":[{"id":27496,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/27495\/revisions\/27496"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/media?parent=27495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/categories?post=27495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/tags?post=27495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}