{"id":27628,"date":"2026-01-16T12:54:59","date_gmt":"2026-01-16T11:54:59","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/jelzaloghitel-ingatlanvasarlasra-del-cipruson\/"},"modified":"2026-02-02T19:59:38","modified_gmt":"2026-02-02T18:59:38","slug":"jelzaloghitel-ingatlanvasarlasra-del-cipruson","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/hu\/jelzaloghitel-ingatlanvasarlasra-del-cipruson\/","title":{"rendered":"Jelz\u00e1loghitel ingatlanv\u00e1s\u00e1rl\u00e1sra D\u00e9l-Cipruson"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\ud83c\udfe0 Ingatlanfinansz\u00edroz\u00e1s D\u00e9l-Cipruson uni\u00f3s polg\u00e1rok sz\u00e1m\u00e1ra<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Ez a cikk \u00e1ttekint\u00e9st ny\u00fajt a jelz\u00e1loghitel felv\u00e9tel\u00e9nek elj\u00e1r\u00e1s\u00e1r\u00f3l D\u00e9l-Cipruson (Ciprusi K\u00f6zt\u00e1rsas\u00e1g) olyan v\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra, akik az Eur\u00f3pai Uni\u00f3 valamely orsz\u00e1g\u00e1nak \u00e1lland\u00f3 lakosai.<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Alapvet\u0151 finansz\u00edroz\u00e1si felt\u00e9telek<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">A nem rezidensek (\u00e1lland\u00f3 ciprusi lakhellyel nem rendelkez\u0151 uni\u00f3s polg\u00e1rok) hitelfelv\u00e9tele a szok\u00e1sos elj\u00e1r\u00e1s, de a szavatol\u00f3t\u0151ke r\u00e9szar\u00e1ny\u00e1ra vonatkoz\u00f3 szigor\u00fabb felt\u00e9telek mellett:<\/p>\n\n<p class=\"wp-block-paragraph\">LTV (Loan to Value): A bankok \u00e1ltal\u00e1ban az ingatlan v\u00e9tel\u00e1r\u00e1nak legfeljebb 50%-\u00e1t finansz\u00edrozz\u00e1k.<\/p>\n\n<p class=\"wp-block-paragraph\">Saj\u00e1t forr\u00e1sok: A vev\u0151nek az \u00e1r fennmarad\u00f3 50%-\u00e1t saj\u00e1t forr\u00e1sb\u00f3l kell el\u0151teremtenie.<\/p>\n\n<p class=\"wp-block-paragraph\">P\u00e9nznem: A hiteleket eur\u00f3ban (\u20ac) ny\u00fajtj\u00e1k, ami kik\u00fcsz\u00f6b\u00f6li a devizakock\u00e1zatot az eur\u00f3z\u00f3na lakosai sz\u00e1m\u00e1ra.<\/p>\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Foglal\u00e1si folyamat \u00e9s p\u00e9nzvisszafizet\u00e9si garancia<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Az ingatlan megszerz\u00e9s\u00e9nek \u00e9s a banki folyamat elind\u00edt\u00e1s\u00e1nak els\u0151 l\u00e9p\u00e9se annak r\u00f6gz\u00edt\u00e9se.<\/p>\n\n<p class=\"wp-block-paragraph\">Foglal\u00e1si d\u00edj: A vev\u0151 10 000 eur\u00f3 foglal\u00f3t fizet.<\/p>\n\n<p class=\"wp-block-paragraph\">Visszavon\u00e1s az \u00e9rt\u00e9kes\u00edt\u00e9sb\u0151l: A fizet\u00e9s j\u00f3v\u00e1\u00edr\u00e1sa ut\u00e1n a lak\u00e1st\/h\u00e1zakat hivatalosan kivonj\u00e1k a piacr\u00f3l \u00e9s lefoglalj\u00e1k az \u00fcgyf\u00e9l sz\u00e1m\u00e1ra.<\/p>\n\n<p class=\"wp-block-paragraph\">Visszat\u00e9r\u00edt\u00e9si z\u00e1rad\u00e9k: C\u00e9g\u00fcnk, a Cyprus Properties garant\u00e1lja, hogy amennyiben a bank elutas\u00edtja a hitelk\u00e9relmet, a 10 000 eur\u00f3s foglal\u00e1si d\u00edjat teljes m\u00e9rt\u00e9kben visszat\u00e9r\u00edti az \u00fcgyf\u00e9lnek. Az \u00fcgyf\u00e9l teh\u00e1t nem visel semmilyen p\u00e9nz\u00fcgyi kock\u00e1zatot a hitel elmarad\u00e1s\u00e1val kapcsolatban. <\/p>\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Banki folyamat \u00e9s dokument\u00e1ci\u00f3<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">A foglal\u00e1st egy ciprusi bankhoz beny\u00fajtott hivatalos k\u00e9relem k\u00f6veti. Az \u00fcgyf\u00e9lnek fel kell k\u00e9sz\u00fclnie a k\u00f6vetkez\u0151kre: <\/p>\n\n<p class=\"wp-block-paragraph\">J\u00f6vedelemigazol\u00e1s: Munkaszerz\u0151d\u00e9sek, b\u00e9relsz\u00e1mol\u00e1s vagy ad\u00f3bevall\u00e1s (v\u00e1llalkoz\u00f3k eset\u00e9ben).<\/p>\n\n<p class=\"wp-block-paragraph\">A p\u00e9nzeszk\u00f6z\u00f6k igazol\u00e1sa: A bankok szigor\u00faan ellen\u0151rzik a saj\u00e1t p\u00e9nzeszk\u00f6z\u00f6k eredet\u00e9t (pl. m\u00e1s ingatlan elad\u00e1sa, megtakar\u00edt\u00e1sok, \u00f6r\u00f6ks\u00e9g) az AML (p\u00e9nzmos\u00e1s elleni) szab\u00e1lyoknak megfelel\u0151en.<\/p>\n\n<p class=\"wp-block-paragraph\">Banksz\u00e1mlakivonatok: \u00c1ltal\u00e1ban az elm\u00falt 6-12 h\u00f3napra vonatkoz\u00f3an, az \u00d6n haz\u00e1j\u00e1ban vezetett sz\u00e1ml\u00e1r\u00f3l.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Fontos megjegyz\u00e9s: <\/strong>A bank <strong>minden egyes esetet <\/strong>egyedileg b\u00edr\u00e1l el. Javasoljuk, hogy az \u00fcgyfelek a ciprusi ellen\u0151rz\u00e9s el\u0151tt kezdj\u00e9k el a j\u00f6vedelemdokument\u00e1ci\u00f3 gy\u0171jt\u00e9s\u00e9t, hogy felgyors\u00edts\u00e1k az elj\u00e1r\u00e1st. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83c\udfe0 Ingatlanfinansz\u00edroz\u00e1s D\u00e9l-Cipruson uni\u00f3s polg\u00e1rok sz\u00e1m\u00e1ra Ez a cikk \u00e1ttekint\u00e9st ny\u00fajt a jelz\u00e1loghitel felv\u00e9tel\u00e9nek elj\u00e1r\u00e1s\u00e1r\u00f3l D\u00e9l-Cipruson (Ciprusi K\u00f6zt\u00e1rsas\u00e1g) olyan v\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra, akik az Eur\u00f3pai Uni\u00f3 valamely orsz\u00e1g\u00e1nak \u00e1lland\u00f3 lakosai. A nem rezidensek (\u00e1lland\u00f3 ciprusi lakhellyel nem rendelkez\u0151 uni\u00f3s polg\u00e1rok) hitelfelv\u00e9tele a szok\u00e1sos elj\u00e1r\u00e1s, de a szavatol\u00f3t\u0151ke r\u00e9szar\u00e1ny\u00e1ra vonatkoz\u00f3 szigor\u00fabb felt\u00e9telek mellett: LTV (Loan to Value):&#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-27628","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\/27628","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=27628"}],"version-history":[{"count":2,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/27628\/revisions"}],"predecessor-version":[{"id":31263,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/posts\/27628\/revisions\/31263"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/media?parent=27628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/categories?post=27628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/hu\/wp-json\/wp\/v2\/tags?post=27628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}