Új építésű vagy használt ingatlant vegyél?

Életed egyik legfontosabb és egyben legnehezebb lépése az ingatlan vásárlása, főleg a mostani, felfokozott piaci helyzetben.

Az egyik legkardinálisabb kérdés – az elhelyezkedésen kívül – az, hogy új vagy használt ingatlant válassz. Bár a döntés egyszerűnek tűnhet, hiszen akinek van rá pénze, új ingatlant vásárol, akinek nincs, használtat, azonban a helyzet nem ennyire fekete vagy fehér.

A cikkben megmutatjuk, hogyan alakulnak jelenleg a lakásárak a piacon, továbbá pro és kontra összeszedjük az érveket, hogy megkönnyítsük számodra a döntést.

Az ingatlanárak alakulása hazánkban

Az MNB jelentése szerint ahhoz, hogy egy átlagos, 65 négyzetméteres használt lakást megvásárolhass, országosan 5,4, Budapesten pedig 8,9 évet kell ledolgoznod.

Az új lakások vétele esetén ugyanezek a számok országosan 9,4, a fővárosban pedig 10,7 évre rúgnak.

Az átlagos ingatlanár Magyarországon jelenleg 385 ezer forint/négyzetméter. A legolcsóbban Nógrád megyében juthatsz lakáshoz, itt ugyanis 91 ezer forint/négyzetméter az átlagár, míg a legdrágább természetesen Budapest, 707 ezer forintos négyzetméterenkénti árral.

A legdrágább vidéki megye Hajdú-Bihar megye, 389 ezer forintos átlagárral.

Előnyök és hátrányok

Ha már eldöntötted, hogy hol szeretnél lakást vásárolni, azt tanácsoljuk, hogy készíts magadnak egy pro és kontra listát, hogy amivel megkönnyíted a választást. A döntés során érdemes a következő szempontokat figyelembe venned.

Az új lakás vásárlásának előnyei

  • Jó időzítéssel egyénre szabhatod

Felújítás nélkül kiválaszthatod a burkolat színét, formáját, a homlokzatot – sőt, akár még minimálisan a tervrajzon is módosíthatsz még a korai szakaszban. Ha pedig családi házat építtetsz a nulláról, az otthonod teljes mértékben a te ízlésedet tükrözi. Így tehát nem kell kompromisszumokat kötnöd.

  • Nincsenek felújítási költségek

Nincsenek nem várt kiadások, nem kell tetőt cserélni, régi szigeteléssel bíbelődni a falban. Minden új lesz és a legkorszerűbb energetikai tanúsítványoknak is megfelel majd.

  • “Zöld”

Mivel 2020 után ez lesz a hivatalos szabvány, ma már fontos, hogy környezettudatos és energiatakarékos épületeket adjanak át, ezzel pedig sok pénzt lehet spórolni.

  • Az újdonság varázsa

Egy új építésű lakás vagy ház hangulata teljesen más, hiszen tudod, hogy te vagy itt először és senki sem használta még előtted.

Persze egy új építésű lakásnak is vannak hátrányai

  • Drága

Egy új lakás négyzetméterára akár több százezer forinttal is drágább lehet a használt lakásnál, ez pedig jelentősen megdrágítja az új lakás árát: akár 10-15 millió forinttal is.

  • Várni kell rá

A felfokozott igények és a munkaerőhiány miatt sok építkezés csúszik, éppen ezért az építkezés befejezésének várható ideje sokszor akár fél-, 1 évet csúszhat. A várakozás pedig gyakran próbára teszi az ember idegeit.

A használt ingatlan előnyei

  • Lényegesen olcsóbb

Ami az új ingatlan esetén hátrány, az itt előny: sokkal olcsóbban juthatsz hozzá egy használt lakáshoz, így rengeteg pénzt megspórolhatsz. Ráadásul “készen” látod, így nem kell a látványtervek alapján használni a képzelőerődet.

  • A felújítás során egyénre szabható

A használt lakások nagy részében mindig kell valamilyen felújítást végezni. Ez egyben előny és hátrány is, hiszen viszi a pénzt, ugyanakkor egyénre szabhatod. Így egy átalakítás során például kiválaszthatod a fürdőszoba burkolatát.

  • Kész van, így “csak” be kell költözni

Nem kell rá fél éveket várni, csupán elintézni a szükséges adminisztrációt és beköltözni.

  • Alkudhatsz is az árból

Az ár sok esetben irányár, amelyből – egy kis ügyességgel – akár több millió forint is lealkudható. Azonban ezzel vigyázni kell, ne sértsd meg az eladót bagatell összegekkel, hiszen lehet, hogy sorban állnak nála a vásárlók.

Kontra érvek

  • Nem várt költségek

Beázik a tető. Régi a vezeték. Penészes a fal. Szinte se szeri, se száma azoknak a lehetőségeknek, amik egy használt lakás vásárlása esetén kibukhatnak. Éppen ezért vásárlás előtt mindenképp nézesd át egy ingatlanszakértővel, aki felméri az esetleges javítási költséget – és amelyet aztán lealkudhatsz a vételárból.

  • Sokszor rengeteg munka van vele

Bár hamar beköltözhető, sokszor akár több évig is elhúzódhatnak a felújítások, csinosítgatások, mire végül elnyeri azt a formáját, ami neked tetszik.

Érdemes tehát mérlegelned és körbenézni a piacon, mielőtt bármit is megvásárolnál. Ha pedig elbizonytalanodtál, kérd ki egy szakértő vélyeményét.

Források:
koltozz.be
origo.hu

63 hozzászólás van itt: “Új építésű vagy használt ingatlant vegyél?

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