Újabb fellendülést hoz a CSOK változás

A kormányzati bejelentés valósággal felrobbantotta az internetet. A sajtóanyag szerint a két- és többgyermekes családok használt lakás vásárlására is felhasználhatják a CSOK kedvezmény által nyújtott államilag támogatott hitelt. Ez pedig nem jelent mást, mint hogy az amúgy is száguldó ingatlanexpressz egy újabb hatalmas löketet kap.

És hogy mit is jelent ezt konkrétan? Megmutatjuk.

Mégis mennyi az annyi?

A kétgyermekes családok 10 millió forint kamattámogatott hitelt vehetnek fel. Ez azokra a fiatal párokra is vonatkozik, akik még csak tervezik a két gyermeket. Ha kettőnél is több utódot vállalnak, akkor 15 millió forint felvételére jogosultak.

A gyermeket tervezők szempontjából a törlesztés a következőképpen alakul: az első baba érkezésekor 3 évre felfüggesztik, a második utód után újabb 3 évre felfüggesztik és a tartozás harmadát elengedik, a harmadik gyermek érkezése esetén pedig a maradék tartozást is elengedik.

Ezzel együtt július 1-jétől eltörlik a használt ingatlanok esetében eddig hatályban lévő 35 millió forintos értékhatárt is.

Az adás-vételek legnagyobb része a használtlakás piacon zajlik

A magas ingatlanárak miatt a vevők természetesen próbálnak minél inkább spórolni, éppen ezért leginkább a használt lakásokat keresik. Budapesten például még találni 500 ezer forint alatti négyzetméteráron panellakást, de egy újépítésű ingatlan négyzetméterára 700-800 ezer forint körüli.

A Duna House adatai jól mutatják, hogy az országon belül is mekkora különbségek vannak. 2019. januárjában például vidéken 15 millió forint körüli lakásárral lehetett számolni, ugyanez a fővárosban már  34-35 millió forint volt.

Ahhoz, hogy jobban átlássuk a számokat, nézzünk egy konkrét példát. Egy vidéki használt lakás vétele esetén, ha egy kétgyermekes család az 1 430 000 forintos állami támogatás mellett rendelkezik 3 570 000 forint önerővel, akkor a lakás árából fennmaradó 10 millió forintot teljes egészében a kedvezményes hitellel tudja finanszírozni.

Ez azt jelenti, hogy a piaci kamatozású hitelekhez képest akár 2-2,5 millió forintot is spórolhat.

Budapestet már megrohamozták a befektetők

Ez a bejelentés természetesen nem csak a családosoknak, de a befektetőknek is kedvez, akik az utóbbi két hónapban jelentős mértékű felvásárlásba kezdtek. A fővárosban így már – a Duna House adatai szerint – az 50%-ot is átlépte a befektetési célú lakásvásárlás.

A vevők itt leginkább a könnyen kiadható, 50-60 négyzetméter közötti lakásokat keresik, ezek ára körülbelül 36-40 millió forint között mozog. Ezek az ingatlanok pedig szinte már egyből megjelennek a piacon, mint kiadó lakások.

Az biztos, hogy jókora lökést ad

Nem nehéz elképzelni, hogy ennek fényében mi várható az amúgy is exponenciálisan növekedő árakkal prosperáló piacon. A használt lakások ára – főképp a fővárosban – tovább növekszik, ezzel együtt pedig a vidék is felzárkózik, hiszen ekkora mértékű kedvezményes hitellel már könnyedén lakához juthatnak a családok. A növekedő kereslet és az egyre csökkenő kínálat pedig még feljebb strófolja majd az árakat.

103 hozzászólás van itt: “Újabb fellendülést hoz a CSOK változás

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