2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom?<\/title>\r\n <style>\r\n \/* Ugyanaz a st\u00edlus, mint az el\u0151z\u0151 posztn\u00e1l a konzisztencia \u00e9rdek\u00e9ben *\/\r\n * { margin: 0; padding: 0; box-sizing: border-box; }\r\n body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; line-height: 1.7; color: #333; background: #ffffff; }\r\n .blog-container { max-width: 900px; margin: 0 auto; padding: 60px 20px; }\r\n .hero-section { margin-bottom: 50px; padding-bottom: 30px; border-bottom: 1px solid #e0e0e0; }\r\n .content-image { width: 100%; height: auto; margin: 30px 0; border-radius: 4px; }\r\n .image-caption { text-align: center; font-size: 0.9em; color: #777; font-style: italic; margin-top: 10px; }\r\n .hero-subtitle { font-size: 1.15em; color: #555; margin-bottom: 25px; line-height: 1.6; }\r\n .highlight-box { background: #f8f9fa; padding: 25px; border-left: 3px solid #7da5c4; margin-top: 20px; font-size: 1.05em; }\r\n .highlight-box strong { color: #1e3a52; }\r\n .content-section { padding: 0; }\r\n h2 { color: #1e3a52; font-size: 1.8em; font-weight: 600; margin: 50px 0 25px 0; padding-bottom: 12px; border-bottom: 2px solid #7da5c4; }\r\n h3 { color: #2c4a62; font-size: 1.4em; font-weight: 600; margin: 35px 0 18px 0; }\r\n p { margin-bottom: 18px; font-size: 1.05em; color: #444; line-height: 1.8; }\r\n .stats-box { background: #f8f9fa; border-left: 3px solid #7da5c4; padding: 30px; margin: 35px 0; }\r\n .stats-box h3 { margin-top: 0; margin-bottom: 20px; color: #1e3a52; }\r\n .category-cards { display: grid; gap: 20px; margin: 35px 0; }\r\n .category-card { background: #ffffff; border: 1px solid #e0e0e0; padding: 25px; transition: all 0.2s ease; }\r\n .category-card:hover { box-shadow: 0 2px 12px rgba(30, 58, 82, 0.08); }\r\n .category-card h4 { color: #1e3a52; font-size: 1.2em; font-weight: 600; margin-bottom: 15px; }\r\n .category-card.top { border-left: 3px solid #7da5c4; } \/* K\u00e9k *\/\r\n .category-card.middle { border-left: 3px solid #e0a800; } \/* S\u00e1rg\u00e1s - Figyelem *\/\r\n .category-card.bottom { border-left: 3px solid #28a745; } \/* Z\u00f6ld - Pozit\u00edv\/Megold\u00e1s *\/\r\n .info-boxes { display: grid; grid-template-columns: 1fr 1fr; gap: 25px; margin: 40px 0; }\r\n .info-box { background: #f8f9fa; padding: 30px; border-top: 3px solid #7da5c4; }\r\n .info-box h3 { color: #1e3a52; margin-top: 0; margin-bottom: 18px; font-size: 1.3em; }\r\n .conclusion { background: #1e3a52; color: white; padding: 40px; margin: 50px 0; text-align: center; }\r\n .conclusion p { font-size: 1.25em; font-weight: 500; margin: 0; color: white; line-height: 1.6; }\r\n .author-section { background: #f8f9fa; padding: 30px; margin-top: 50px; border-top: 2px solid #7da5c4; }\r\n .author-section h4 { color: #1e3a52; margin-bottom: 15px; font-size: 1.2em; font-weight: 600; }\r\n .contact-info { display: flex; flex-direction: column; gap: 10px; margin-top: 15px; }\r\n .contact-item { display: flex; align-items: center; gap: 10px; color: #555; font-size: 1.05em; }\r\n .contact-item a { color: #7da5c4; text-decoration: none; font-weight: 500; transition: color 0.2s ease; }\r\n .contact-item a:hover { color: #1e3a52; }\r\n .emphasis { color: #1e3a52; font-weight: 600; }\r\n .source-text { font-size: 0.85em; color: #888; margin-top: 20px; border-top: 1px solid #eee; padding-top: 10px; }\r\n @media (max-width: 768px) { .blog-container { padding: 40px 20px; } .info-boxes { grid-template-columns: 1fr; } h2 { font-size: 1.5em; } }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <div class=\"blog-container\">\r\n <div class=\"hero-section\">\r\n <h1 style=\"color: #1e3a52; margin-bottom: 20px;\">Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es?<\/h1>\r\n <p class=\"hero-subtitle\">K\u00e9t \u00e9vvel ezel\u0151tt az MNB alapkamata m\u00e9g 18 sz\u00e1zal\u00e9kot tett ki, ma 6,5 sz\u00e1zal\u00e9kon \u00e1ll. A val\u00f3di fordulatot azonban a szeptember hozta el.<\/p>\r\n <div class=\"highlight-box\">\r\n 2025 szeptember\u00e9t\u0151l az <strong>Otthon Start Program<\/strong> keret\u00e9ben <span class=\"emphasis\">fix 3 sz\u00e1zal\u00e9kos kamat<\/span> \u00e9rhet\u0151 el 25 \u00e9vre, els\u0151 lak\u00e1sv\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra. Ez alapjaiban rendezte \u00e1t a p\u00e1ly\u00e1t.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"content-section\">\r\n <div class=\"stats-box\">\r\n <h3>A piac v\u00e1lasza? Robban\u00e1s.<\/h3>\r\n <p>A sz\u00e1mok \u00f6nmaguk\u00e9rt besz\u00e9lnek. Piaci felm\u00e9r\u00e9sek szerint a keresletindex augusztusban <strong>110 pontra ugrott<\/strong>, ami <span class=\"emphasis\">13 \u00e9ves cs\u00facsot<\/span> jelent.<\/p>\r\n <p>Az indul\u00e1s els\u0151 k\u00e9t het\u00e9ben <strong>napi ezer hitelig\u00e9nyl\u00e9s<\/strong> \u00e9rkezett, a lak\u00e1shitel-kereslet pedig \u00f6sszess\u00e9g\u00e9ben megt\u00edzszerez\u0151d\u00f6tt. Az ingatlanbemutat\u00e1sok sz\u00e1ma augusztusban 16,6 sz\u00e1zal\u00e9kkal n\u0151tt. A v\u00e1s\u00e1rl\u00e1si kedv teh\u00e1t egy\u00e9rtelm\u0171en visszat\u00e9rt.<\/p>\r\n <\/div>\r\n \r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Ingatlan kulcs\u00e1tad\u00e1s \u00e9s szerz\u0151d\u00e9sk\u00f6t\u00e9s\" class=\"content-image\">\r\n <p class=\"image-caption\">A forgalom visszat\u00e9rt, de a szab\u00e1lyok megv\u00e1ltoztak<\/p>\r\n \r\n <h2>Valami azonban m\u00e1s: A l\u00e9nyegi k\u00fcl\u00f6nbs\u00e9g<\/h2>\r\n <p>2021-ben senki nem k\u00e9rdezte, hogy \"ez az ingatlan nincs t\u00fal\u00e1razva?\" Akkor versengtek az ingatlanok\u00e9rt, t\u00f6bbet aj\u00e1nlottak az \u00e1rn\u00e1l. Most? M\u00e9g a 3 sz\u00e1zal\u00e9kos hitellel is alkudnak.<\/p>\r\n \r\n <div class=\"category-cards\">\r\n <div class=\"category-card top\">\r\n <h4>2021: A FOMO-vez\u00e9relt l\u00e1z<\/h4>\r\n <p>Mindenki f\u00e9lt, hogy lemarad. <em>\"Vedd meg most, holnap dr\u00e1g\u00e1bb lesz.\"<\/em> \u00c9rzelmi, p\u00e1nikszer\u0171 v\u00e1s\u00e1rl\u00e1s jellemezte a piacot. A m\u0171szaki \u00e1llapot m\u00e1sodlagos volt, csak a tulajdonszerz\u00e9s sz\u00e1m\u00edtott.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card bottom\">\r\n <h4>2025: T\u00e1mogat\u00e1s-vez\u00e9relt \u00f3vatoss\u00e1g<\/h4>\r\n <p>Sokan v\u00e1s\u00e1rolnak, mert v\u00e9gre el\u00e9rhet\u0151 a tulajdon, de nem vakon. \u00d6t-t\u00edz lak\u00e1st n\u00e9znek meg, nem kett\u0151t-h\u00e1rmat. \u00d6sszehasonl\u00edtanak. Az <strong>energetikai besorol\u00e1s<\/strong> alapk\u00f6vetelm\u00e9nny\u00e9 v\u00e1lt. A hitelk\u00e9pess\u00e9get el\u0151re tiszt\u00e1zz\u00e1k. \u00c9s ami a legfontosabb: <strong>alkudnak<\/strong>.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card middle\">\r\n <h4>Mi\u00e9rt az \u00f3vatoss\u00e1g a 3%-os hitel mellett?<\/h4>\r\n <p>A v\u00e1s\u00e1rl\u00f3k nem felejtett\u00e9k el 2022-23-at. L\u00e1tt\u00e1k, ahogy <span class=\"emphasis\">h\u00fasz-harminc sz\u00e1zal\u00e9kot<\/span> estek az \u00e1rak. L\u00e1tt\u00e1k, ahogy a 2021-es cs\u00facson v\u00e1s\u00e1rl\u00f3k vesztes\u00e9get realiz\u00e1ltak. F\u00e9lnek, hogy a forgat\u00f3k\u00f6nyv megism\u00e9tl\u0151dik, \u00e9s nem akarnak \"becsapva\" lenni.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <h2>Az elad\u00f3k oldala vs. Val\u00f3s\u00e1g<\/h2>\r\n \r\n <div class=\"info-boxes\">\r\n <div class=\"info-box\">\r\n <h3>Mit gondol az elad\u00f3?<\/h3>\r\n <p>Sokan m\u00e9g mindig a 2021-es \u00e1rakat tartj\u00e1k re\u00e1lisnak, s\u0151t, az Otthon Start miatt m\u00e1r t\u00f6bbet is k\u00e9rnek. A logika gyakran ez: <em>\"Most j\u00f6tt a 3 sz\u00e1zal\u00e9kos hitel, most kell emelni az \u00e1rat, mert a vev\u0151k \u00fagyis megveszik.\"<\/em><\/p>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h3>Mi t\u00f6rt\u00e9nik val\u00f3j\u00e1ban?<\/h3>\r\n <p>Nem \u00edgy m\u0171k\u00f6dik. A re\u00e1lisan \u00e1razott ingatlanok <strong>k\u00e9t-hat h\u00e9ten bel\u00fcl<\/strong> elkelnek, az \u00e9rt\u00e9kes\u00edt\u00e9si id\u0151k t\u00e9nyleg r\u00f6vid\u00fclnek. A t\u00fal\u00e1razott ingatlanok viszont m\u00e9g ebben a \"boomban\" is h\u00f3napokig \u00e1llnak.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <p>Szakmai becsl\u00e9sek szerint az Otthon Start t\u00edz-h\u00fasz sz\u00e1zal\u00e9kos \u00e1remelked\u00e9st hozhat egy \u00e9ven bel\u00fcl, de a vev\u0151k nem akarnak t\u00fal\u00e1razott ingatlant venni pont az emelked\u00e9s elej\u00e9n.<\/p>\r\n\r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-8d04cb21cd6c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Ingatlanpiaci elemz\u00e9s \u00e9s kalkul\u00e1ci\u00f3\" class=\"content-image\">\r\n \r\n <div class=\"conclusion\">\r\n <p>A piac m\u0171k\u00f6dik, \u00e9l\u00e9nk. Okt\u00f3berben k\u00f6zel <strong>170 milli\u00e1rd forint<\/strong> \u00e9rt\u00e9kben k\u00f6t\u00f6ttek Otthon Start-szerz\u0151d\u00e9seket.<br><br>\r\n A vev\u0151k azonban \u00f3vatosabbak \u00e9s tudatosabbak. A kamatcs\u00f6kkent\u00e9s visszahozta a forgalmat, de nem hozta vissza a l\u00e1zat.<br><strong>Ez tal\u00e1n jobb is \u00edgy.<\/strong><\/p>\r\n <\/div>\r\n \r\n <div class=\"author-section\">\r\n <h4>Szerz\u0151<\/h4>\r\n <p><strong>Budai Attila<\/strong><br>Rivers Property Consultants<\/p>\r\n <div class=\"contact-info\">\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udce7<\/span>\r\n <a href=\"mailto:budai@riverspc.com\">budai@riverspc.com<\/a>\r\n <\/div>\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udcf1<\/span>\r\n <a href=\"tel:+36704280350\">+36 70 428 0350<\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"source-text\">\r\n Forr\u00e1sok: MNB (2025. jan. 28.), piaci \u00e9s szakmai jelent\u00e9sek (2025. aug-nov.), ingatlanpiaci felm\u00e9r\u00e9sek\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/body>\r\n<\/html>\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom? Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? K\u00e9t \u00e9vvel ezel\u0151tt az MNB alapkamata m\u00e9g 18 sz\u00e1zal\u00e9kot tett ki, ma 6,5 sz\u00e1zal\u00e9kon \u00e1ll. A val\u00f3di fordulatot azonban a szeptember hozta el. 2025 szeptember\u00e9t\u0151l az Otthon Start Program keret\u00e9ben fix 3 sz\u00e1zal\u00e9kos kamat \u00e9rhet\u0151 el 25 \u00e9vre, els\u0151 […]<\/p>\n","protected":false},"author":2,"featured_media":426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","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":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","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":[14],"tags":[],"class_list":["post-422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kategoria-nelkuli-hu"],"yoast_head":"\n<title>Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? - Riverspc Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/riverspc.com\/blog\/2025\/12\/17\/miert-mas-a-2025-os-boom-mint-a-2021-es\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? - Riverspc Blog\" \/>\n<meta property=\"og:description\" content=\"2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom? 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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n 2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom?<\/title>\r\n <style>\r\n \/* Ugyanaz a st\u00edlus, mint az el\u0151z\u0151 posztn\u00e1l a konzisztencia \u00e9rdek\u00e9ben *\/\r\n * { margin: 0; padding: 0; box-sizing: border-box; }\r\n body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; line-height: 1.7; color: #333; background: #ffffff; }\r\n .blog-container { max-width: 900px; margin: 0 auto; padding: 60px 20px; }\r\n .hero-section { margin-bottom: 50px; padding-bottom: 30px; border-bottom: 1px solid #e0e0e0; }\r\n .content-image { width: 100%; height: auto; margin: 30px 0; border-radius: 4px; }\r\n .image-caption { text-align: center; font-size: 0.9em; color: #777; font-style: italic; margin-top: 10px; }\r\n .hero-subtitle { font-size: 1.15em; color: #555; margin-bottom: 25px; line-height: 1.6; }\r\n .highlight-box { background: #f8f9fa; padding: 25px; border-left: 3px solid #7da5c4; margin-top: 20px; font-size: 1.05em; }\r\n .highlight-box strong { color: #1e3a52; }\r\n .content-section { padding: 0; }\r\n h2 { color: #1e3a52; font-size: 1.8em; font-weight: 600; margin: 50px 0 25px 0; padding-bottom: 12px; border-bottom: 2px solid #7da5c4; }\r\n h3 { color: #2c4a62; font-size: 1.4em; font-weight: 600; margin: 35px 0 18px 0; }\r\n p { margin-bottom: 18px; font-size: 1.05em; color: #444; line-height: 1.8; }\r\n .stats-box { background: #f8f9fa; border-left: 3px solid #7da5c4; padding: 30px; margin: 35px 0; }\r\n .stats-box h3 { margin-top: 0; margin-bottom: 20px; color: #1e3a52; }\r\n .category-cards { display: grid; gap: 20px; margin: 35px 0; }\r\n .category-card { background: #ffffff; border: 1px solid #e0e0e0; padding: 25px; transition: all 0.2s ease; }\r\n .category-card:hover { box-shadow: 0 2px 12px rgba(30, 58, 82, 0.08); }\r\n .category-card h4 { color: #1e3a52; font-size: 1.2em; font-weight: 600; margin-bottom: 15px; }\r\n .category-card.top { border-left: 3px solid #7da5c4; } \/* K\u00e9k *\/\r\n .category-card.middle { border-left: 3px solid #e0a800; } \/* S\u00e1rg\u00e1s - Figyelem *\/\r\n .category-card.bottom { border-left: 3px solid #28a745; } \/* Z\u00f6ld - Pozit\u00edv\/Megold\u00e1s *\/\r\n .info-boxes { display: grid; grid-template-columns: 1fr 1fr; gap: 25px; margin: 40px 0; }\r\n .info-box { background: #f8f9fa; padding: 30px; border-top: 3px solid #7da5c4; }\r\n .info-box h3 { color: #1e3a52; margin-top: 0; margin-bottom: 18px; font-size: 1.3em; }\r\n .conclusion { background: #1e3a52; color: white; padding: 40px; margin: 50px 0; text-align: center; }\r\n .conclusion p { font-size: 1.25em; font-weight: 500; margin: 0; color: white; line-height: 1.6; }\r\n .author-section { background: #f8f9fa; padding: 30px; margin-top: 50px; border-top: 2px solid #7da5c4; }\r\n .author-section h4 { color: #1e3a52; margin-bottom: 15px; font-size: 1.2em; font-weight: 600; }\r\n .contact-info { display: flex; flex-direction: column; gap: 10px; margin-top: 15px; }\r\n .contact-item { display: flex; align-items: center; gap: 10px; color: #555; font-size: 1.05em; }\r\n .contact-item a { color: #7da5c4; text-decoration: none; font-weight: 500; transition: color 0.2s ease; }\r\n .contact-item a:hover { color: #1e3a52; }\r\n .emphasis { color: #1e3a52; font-weight: 600; }\r\n .source-text { font-size: 0.85em; color: #888; margin-top: 20px; border-top: 1px solid #eee; padding-top: 10px; }\r\n @media (max-width: 768px) { .blog-container { padding: 40px 20px; } .info-boxes { grid-template-columns: 1fr; } h2 { font-size: 1.5em; } }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <div class=\"blog-container\">\r\n <div class=\"hero-section\">\r\n <h1 style=\"color: #1e3a52; margin-bottom: 20px;\">Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es?<\/h1>\r\n <p class=\"hero-subtitle\">K\u00e9t \u00e9vvel ezel\u0151tt az MNB alapkamata m\u00e9g 18 sz\u00e1zal\u00e9kot tett ki, ma 6,5 sz\u00e1zal\u00e9kon \u00e1ll. A val\u00f3di fordulatot azonban a szeptember hozta el.<\/p>\r\n <div class=\"highlight-box\">\r\n 2025 szeptember\u00e9t\u0151l az <strong>Otthon Start Program<\/strong> keret\u00e9ben <span class=\"emphasis\">fix 3 sz\u00e1zal\u00e9kos kamat<\/span> \u00e9rhet\u0151 el 25 \u00e9vre, els\u0151 lak\u00e1sv\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra. Ez alapjaiban rendezte \u00e1t a p\u00e1ly\u00e1t.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"content-section\">\r\n <div class=\"stats-box\">\r\n <h3>A piac v\u00e1lasza? Robban\u00e1s.<\/h3>\r\n <p>A sz\u00e1mok \u00f6nmaguk\u00e9rt besz\u00e9lnek. Piaci felm\u00e9r\u00e9sek szerint a keresletindex augusztusban <strong>110 pontra ugrott<\/strong>, ami <span class=\"emphasis\">13 \u00e9ves cs\u00facsot<\/span> jelent.<\/p>\r\n <p>Az indul\u00e1s els\u0151 k\u00e9t het\u00e9ben <strong>napi ezer hitelig\u00e9nyl\u00e9s<\/strong> \u00e9rkezett, a lak\u00e1shitel-kereslet pedig \u00f6sszess\u00e9g\u00e9ben megt\u00edzszerez\u0151d\u00f6tt. Az ingatlanbemutat\u00e1sok sz\u00e1ma augusztusban 16,6 sz\u00e1zal\u00e9kkal n\u0151tt. A v\u00e1s\u00e1rl\u00e1si kedv teh\u00e1t egy\u00e9rtelm\u0171en visszat\u00e9rt.<\/p>\r\n <\/div>\r\n \r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Ingatlan kulcs\u00e1tad\u00e1s \u00e9s szerz\u0151d\u00e9sk\u00f6t\u00e9s\" class=\"content-image\">\r\n <p class=\"image-caption\">A forgalom visszat\u00e9rt, de a szab\u00e1lyok megv\u00e1ltoztak<\/p>\r\n \r\n <h2>Valami azonban m\u00e1s: A l\u00e9nyegi k\u00fcl\u00f6nbs\u00e9g<\/h2>\r\n <p>2021-ben senki nem k\u00e9rdezte, hogy \"ez az ingatlan nincs t\u00fal\u00e1razva?\" Akkor versengtek az ingatlanok\u00e9rt, t\u00f6bbet aj\u00e1nlottak az \u00e1rn\u00e1l. Most? M\u00e9g a 3 sz\u00e1zal\u00e9kos hitellel is alkudnak.<\/p>\r\n \r\n <div class=\"category-cards\">\r\n <div class=\"category-card top\">\r\n <h4>2021: A FOMO-vez\u00e9relt l\u00e1z<\/h4>\r\n <p>Mindenki f\u00e9lt, hogy lemarad. <em>\"Vedd meg most, holnap dr\u00e1g\u00e1bb lesz.\"<\/em> \u00c9rzelmi, p\u00e1nikszer\u0171 v\u00e1s\u00e1rl\u00e1s jellemezte a piacot. A m\u0171szaki \u00e1llapot m\u00e1sodlagos volt, csak a tulajdonszerz\u00e9s sz\u00e1m\u00edtott.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card bottom\">\r\n <h4>2025: T\u00e1mogat\u00e1s-vez\u00e9relt \u00f3vatoss\u00e1g<\/h4>\r\n <p>Sokan v\u00e1s\u00e1rolnak, mert v\u00e9gre el\u00e9rhet\u0151 a tulajdon, de nem vakon. \u00d6t-t\u00edz lak\u00e1st n\u00e9znek meg, nem kett\u0151t-h\u00e1rmat. \u00d6sszehasonl\u00edtanak. Az <strong>energetikai besorol\u00e1s<\/strong> alapk\u00f6vetelm\u00e9nny\u00e9 v\u00e1lt. A hitelk\u00e9pess\u00e9get el\u0151re tiszt\u00e1zz\u00e1k. \u00c9s ami a legfontosabb: <strong>alkudnak<\/strong>.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card middle\">\r\n <h4>Mi\u00e9rt az \u00f3vatoss\u00e1g a 3%-os hitel mellett?<\/h4>\r\n <p>A v\u00e1s\u00e1rl\u00f3k nem felejtett\u00e9k el 2022-23-at. L\u00e1tt\u00e1k, ahogy <span class=\"emphasis\">h\u00fasz-harminc sz\u00e1zal\u00e9kot<\/span> estek az \u00e1rak. L\u00e1tt\u00e1k, ahogy a 2021-es cs\u00facson v\u00e1s\u00e1rl\u00f3k vesztes\u00e9get realiz\u00e1ltak. F\u00e9lnek, hogy a forgat\u00f3k\u00f6nyv megism\u00e9tl\u0151dik, \u00e9s nem akarnak \"becsapva\" lenni.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <h2>Az elad\u00f3k oldala vs. Val\u00f3s\u00e1g<\/h2>\r\n \r\n <div class=\"info-boxes\">\r\n <div class=\"info-box\">\r\n <h3>Mit gondol az elad\u00f3?<\/h3>\r\n <p>Sokan m\u00e9g mindig a 2021-es \u00e1rakat tartj\u00e1k re\u00e1lisnak, s\u0151t, az Otthon Start miatt m\u00e1r t\u00f6bbet is k\u00e9rnek. A logika gyakran ez: <em>\"Most j\u00f6tt a 3 sz\u00e1zal\u00e9kos hitel, most kell emelni az \u00e1rat, mert a vev\u0151k \u00fagyis megveszik.\"<\/em><\/p>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h3>Mi t\u00f6rt\u00e9nik val\u00f3j\u00e1ban?<\/h3>\r\n <p>Nem \u00edgy m\u0171k\u00f6dik. A re\u00e1lisan \u00e1razott ingatlanok <strong>k\u00e9t-hat h\u00e9ten bel\u00fcl<\/strong> elkelnek, az \u00e9rt\u00e9kes\u00edt\u00e9si id\u0151k t\u00e9nyleg r\u00f6vid\u00fclnek. A t\u00fal\u00e1razott ingatlanok viszont m\u00e9g ebben a \"boomban\" is h\u00f3napokig \u00e1llnak.<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <p>Szakmai becsl\u00e9sek szerint az Otthon Start t\u00edz-h\u00fasz sz\u00e1zal\u00e9kos \u00e1remelked\u00e9st hozhat egy \u00e9ven bel\u00fcl, de a vev\u0151k nem akarnak t\u00fal\u00e1razott ingatlant venni pont az emelked\u00e9s elej\u00e9n.<\/p>\r\n\r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-8d04cb21cd6c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Ingatlanpiaci elemz\u00e9s \u00e9s kalkul\u00e1ci\u00f3\" class=\"content-image\">\r\n \r\n <div class=\"conclusion\">\r\n <p>A piac m\u0171k\u00f6dik, \u00e9l\u00e9nk. Okt\u00f3berben k\u00f6zel <strong>170 milli\u00e1rd forint<\/strong> \u00e9rt\u00e9kben k\u00f6t\u00f6ttek Otthon Start-szerz\u0151d\u00e9seket.<br><br>\r\n A vev\u0151k azonban \u00f3vatosabbak \u00e9s tudatosabbak. A kamatcs\u00f6kkent\u00e9s visszahozta a forgalmat, de nem hozta vissza a l\u00e1zat.<br><strong>Ez tal\u00e1n jobb is \u00edgy.<\/strong><\/p>\r\n <\/div>\r\n \r\n <div class=\"author-section\">\r\n <h4>Szerz\u0151<\/h4>\r\n <p><strong>Budai Attila<\/strong><br>Rivers Property Consultants<\/p>\r\n <div class=\"contact-info\">\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udce7<\/span>\r\n <a href=\"mailto:budai@riverspc.com\">budai@riverspc.com<\/a>\r\n <\/div>\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udcf1<\/span>\r\n <a href=\"tel:+36704280350\">+36 70 428 0350<\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"source-text\">\r\n Forr\u00e1sok: MNB (2025. jan. 28.), piaci \u00e9s szakmai jelent\u00e9sek (2025. aug-nov.), ingatlanpiaci felm\u00e9r\u00e9sek\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/body>\r\n<\/html>\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom? Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? K\u00e9t \u00e9vvel ezel\u0151tt az MNB alapkamata m\u00e9g 18 sz\u00e1zal\u00e9kot tett ki, ma 6,5 sz\u00e1zal\u00e9kon \u00e1ll. A val\u00f3di fordulatot azonban a szeptember hozta el. 2025 szeptember\u00e9t\u0151l az Otthon Start Program keret\u00e9ben fix 3 sz\u00e1zal\u00e9kos kamat \u00e9rhet\u0151 el 25 \u00e9vre, els\u0151 […]<\/p>\n","protected":false},"author":2,"featured_media":426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","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":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","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":[14],"tags":[],"class_list":["post-422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kategoria-nelkuli-hu"],"yoast_head":"\n<title>Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? - Riverspc Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/riverspc.com\/blog\/2025\/12\/17\/miert-mas-a-2025-os-boom-mint-a-2021-es\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mi\u00e9rt m\u00e1s a 2025-\u00f6s boom, mint a 2021-es? - Riverspc Blog\" \/>\n<meta property=\"og:description\" content=\"2025 vs 2021: Mi\u00e9rt m\u00e1s a mostani ingatlanboom? 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