{"id":65034,"date":"2025-11-02T12:57:00","date_gmt":"2025-11-02T10:57:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=65034"},"modified":"2025-11-01T15:44:23","modified_gmt":"2025-11-01T13:44:23","slug":"ingatlanhiannyal-kuzdenek-europaban","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=65034&lang=hu","title":{"rendered":"Ingatlanhi\u00e1nnyal k\u00fczdenek Eur\u00f3p\u00e1ban"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"692\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/5fb93eeedeb24d4d9a2f02a9a6d9f505-1-1024x692.jpg\" alt=\"\" class=\"wp-image-65035\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/5fb93eeedeb24d4d9a2f02a9a6d9f505-1-1024x692.jpg 1024w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/5fb93eeedeb24d4d9a2f02a9a6d9f505-1-300x203.jpg 300w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/5fb93eeedeb24d4d9a2f02a9a6d9f505-1-768x519.jpg 768w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2025\/11\/5fb93eeedeb24d4d9a2f02a9a6d9f505-1.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Az Eur\u00f3pai Bizotts\u00e1g Gazdas\u00e1gi \u00e9s P\u00e9nz\u00fcgyi F\u0151igazgat\u00f3s\u00e1g\u00e1nak szak\u00e9rt\u0151i 2025 okt\u00f3ber\u00e9ben \u00e1tfog\u00f3 tanulm\u00e1nyt k\u00e9sz\u00edtettek az eur\u00f3pai lak\u00e1spiac helyzet\u00e9r\u0151l.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Housing in the European Union: Market Developments, Underlying Drivers, and Policies c\u00edm\u0171 dokumentum r\u00e9szletesen elemzi a lak\u00e1s\u00e1rak alakul\u00e1s\u00e1t, a kereslet \u00e9s k\u00edn\u00e1lat mozgat\u00f3rug\u00f3it, valamint azokat a szab\u00e1lyoz\u00e1si \u00e9s politikai t\u00e9nyez\u0151ket, amelyek befoly\u00e1solj\u00e1k a lakhat\u00e1s megfizethet\u0151s\u00e9g\u00e9t az EU-s tag\u00e1llamokban.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A tanulm\u00e1ny fontos meg\u00e1llap\u00edt\u00e1sa, hogy az elm\u00falt \u00e9vtizedben Eur\u00f3pa-szerte meredeken emelkedtek a lak\u00e1s\u00e1rak, m\u00e9ghozz\u00e1 olyan \u00fctemben, ami meghaladta a j\u00f6vedelmek n\u00f6veked\u00e9s\u00e9t. 2014 \u00e9s 2025 k\u00f6z\u00f6tt Eur\u00f3p\u00e1ban \u00e1tlagosan a h\u00e1ztart\u00e1sok j\u00f6vedelmei nagyj\u00e1b\u00f3l 10 sz\u00e1zal\u00e9kkal lassabban n\u0151ttek, mint a lak\u00e1s\u00e1rak, olvashat\u00f3 az\u00a0<a href=\"https:\/\/www.oeconomus.hu\/oecofocus\/europai-lakaspiaci-trendek-2025-ben\/\" target=\"_blank\" rel=\"noreferrer noopener\">Oeconomus elemz\u00e9s\u00e9ben<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A lak\u00e1sv\u00e1s\u00e1rl\u00e1s megfizethet\u0151s\u00e9ge az ut\u00f3bbi \u00e9vekben nem puszt\u00e1n az \u00e1rak alakul\u00e1s\u00e1t\u00f3l, hanem a p\u00e9nz\u00fcgyi felt\u00e9telekt\u0151l is egyre ink\u00e1bb f\u00fcgg:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>K\u00f6z\u00e9p- \u00e9s Kelet-Eur\u00f3p\u00e1ban \u2013 k\u00fcl\u00f6n\u00f6sen Bulg\u00e1ri\u00e1ban, Rom\u00e1ni\u00e1ban, Horv\u00e1torsz\u00e1gban, Csehorsz\u00e1gban \u00e9s\u00a0Magyarorsz\u00e1gon\u00a0\u2013 az er\u0151teljes j\u00f6vedelemn\u00f6veked\u00e9s ellens\u00falyozni tudta a kamatemelked\u00e9s negat\u00edv hat\u00e1s\u00e1t, \u00edgy a h\u00e1ztart\u00e1sok hitelk\u00e9pess\u00e9ge javult.<\/li>\n\n\n\n<li>Nyugat- \u00e9s \u00c9szak-Eur\u00f3p\u00e1ban, p\u00e9ld\u00e1ul Franciaorsz\u00e1gban, Portug\u00e1li\u00e1ban, Szlov\u00e1ki\u00e1ban, Luxemburgban \u00e9s Sv\u00e9dorsz\u00e1gban, ezzel szemben a kamatemelked\u00e9s domin\u00e1lt, ami 10-30 sz\u00e1zal\u00e9kos cs\u00f6kken\u00e9st okozott a hitelfelv\u00e9teli kapacit\u00e1sban.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A tanulm\u00e1ny arra is r\u00e1mutat, hogy nemcsak a v\u00e1s\u00e1rl\u00e1s, hanem a b\u00e9rl\u00e9s is kih\u00edv\u00e1s a fiatalok \u00e9s \u00faj h\u00e1ztart\u00e1sok sz\u00e1m\u00e1ra napjainkban. Sz\u00e1mos eur\u00f3pai nagyv\u00e1rosban egy \u00fajonnan b\u00e9relt k\u00e9t h\u00e1l\u00f3szob\u00e1s lak\u00e1s b\u00e9rleti d\u00edja meghaladja a medi\u00e1n h\u00e1ztart\u00e1si j\u00f6vedelem 50 sz\u00e1zal\u00e9k\u00e1t, ami komoly megfizethet\u0151s\u00e9gi probl\u00e9m\u00e1t jelent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mi hajtja felfel\u00e9 az \u00e1rakat?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Bizotts\u00e1g elemz\u00e9se szerint a lak\u00e1spiaci boom m\u00f6g\u00f6tt egyszerre \u00e1llnak keresleti t\u00e9nyez\u0151k (t\u00f6bb ember keres lak\u00e1st) \u00e9s k\u00edn\u00e1lati korl\u00e1tok (nem \u00e9p\u00fcl el\u00e9g \u00faj otthon). A tanulm\u00e1ny megl\u00e1t\u00e1sai szerint kijelenthetj\u00fck, hogy a k\u00edn\u00e1lat rugalmatlans\u00e1ga v\u00e1lt a lak\u00e1spiac tart\u00f3s jellemz\u0151j\u00e9v\u00e9: nem \u00e9p\u00fcl el\u00e9g \u00faj lak\u00e1s, \u00edgy az \u00e1remelked\u00e9s tart\u00f3san be\u00e9p\u00fcl a rendszerbe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mivel a kereslet-k\u00edn\u00e1lat egyens\u00faly\u00e1nak eltol\u00f3d\u00e1sa struktur\u00e1lis jelleg\u0171, \u00edgy nincs gyors megold\u00e1s. A szak\u00e9rt\u0151k abban egyet\u00e9rtenek, hogy \u00e1tfog\u00f3 lak\u00e1spolitikai reformokra van sz\u00fcks\u00e9g, melyek a k\u00edn\u00e1lat b\u0151v\u00edt\u00e9s\u00e9t, a felel\u0151s hitelez\u00e9st, \u00e9s az igazs\u00e1gosabb ad\u00f3z\u00e1st egyar\u00e1nt magukban foglalj\u00e1k. Csak \u00edgy biztos\u00edthat\u00f3, hogy a j\u00f6v\u0151 eur\u00f3pai v\u00e1rosaiban ne v\u00e1ljon luxuscikk\u00e9 a lakhat\u00e1s, \u00e9s a fiatalok, csal\u00e1dok megfizethet\u0151 otthonhoz juthassanak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.economx.hu\/allaspont\/remenytelennek-tunik-az-europai-lakhatasi-valsag.818597.html\" target=\"_blank\" rel=\"noreferrer noopener\">Forr\u00e1s<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az Eur\u00f3pai Bizotts\u00e1g Gazdas\u00e1gi \u00e9s P\u00e9nz\u00fcgyi F\u0151igazgat\u00f3s\u00e1g\u00e1nak szak\u00e9rt\u0151i 2025 okt\u00f3ber\u00e9ben \u00e1tfog\u00f3 tanulm\u00e1nyt k\u00e9sz\u00edtettek az eur\u00f3pai lak\u00e1spiac helyzet\u00e9r\u0151l.<\/p>\n","protected":false},"author":4,"featured_media":65035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,41,49,39],"tags":[1190712,5793,4995],"class_list":["post-65034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-nap-hirei","category-cikkek","category-hirek","category-vilag","tag-europai-lakaspiac-helyzete","tag-ingatlan-arak","tag-tanulmany"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=65034"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65034\/revisions"}],"predecessor-version":[{"id":65036,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/65034\/revisions\/65036"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/65035"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}