{"id":935,"date":"2026-09-24T12:29:02","date_gmt":"2026-09-24T12:29:02","guid":{"rendered":"https:\/\/aranybalintingatlan.hu\/?p=935"},"modified":"2026-09-24T12:30:08","modified_gmt":"2026-09-24T12:30:08","slug":"lakasvasarlas-2026-afa-kulonbseg","status":"publish","type":"post","link":"https:\/\/aranybalintingatlan.hu\/index.php\/2026\/09\/24\/lakasvasarlas-2026-afa-kulonbseg\/","title":{"rendered":"Lak\u00e1sv\u00e1s\u00e1rl\u00e1s 2026-ban: mit jelenthet az 5%-os \u00e9s 27%-os \u00e1fa k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g?"},"content":{"rendered":"\t\t
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\u00daj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1st v\u00e1s\u00e1roln\u00e1l 2026-ban? Ezt \u00e9rdemes
tudni az 5%-os \u00e1f\u00e1r\u00f3l<\/h2>\n\n\n\n

Ingatlanszak\u00e9rt\u0151k\u00e9nt azt l\u00e1tom, hogy 2026-ban az \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanok piac\u00e1n az egyik
legfontosabb k\u00e9rd\u00e9s az \u00e1fa alakul\u00e1sa. Egy lak\u00e1sv\u00e1s\u00e1rl\u00e1sn\u00e1l sokan els\u0151sorban a v\u00e9tel\u00e1rat, a
lok\u00e1ci\u00f3t vagy a finansz\u00edroz\u00e1st n\u00e9zik, pedig az \u00e1fatartalom is komoly hat\u00e1ssal lehet arra,
mennyibe ker\u00fcl v\u00e9g\u00fcl egy \u00faj otthon.

A jelenlegi szab\u00e1lyoz\u00e1s szerint az \u00faj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1sok egy meghat\u00e1rozott k\u00f6re tov\u00e1bbra is 5%-os
kedvezm\u00e9nyes \u00e1f\u00e1val \u00e9rt\u00e9kes\u00edthet\u0151. Ez jelent\u0151s k\u00fcl\u00f6nbs\u00e9g a 27%-os \u00e1ltal\u00e1nos \u00e1fakulcshoz
k\u00e9pest, k\u00fcl\u00f6n\u00f6sen akkor, ha t\u00f6bb t\u00edzmilli\u00f3 forintos ingatlanr\u00f3l besz\u00e9l\u00fcnk.

\u00c9ppen ez\u00e9rt 2026-ban nemcsak az a k\u00e9rd\u00e9s, hogy milyen ingatlant v\u00e1lasztunk, hanem az is,
hogy az adott projektre milyen \u00e1faszab\u00e1lyok vonatkoznak.<\/p>\n\n\n\n

Mit jelent az 5%-os lak\u00e1s\u00e1fa?<\/h2>\n\n\n\n

Az 5%-os lak\u00e1s\u00e1fa a meghat\u00e1rozott felt\u00e9teleknek megfelel\u0151 \u00faj \u00e9p\u00edt\u00e9s\u0171 lak\u00f3ingatlanokra
alkalmazhat\u00f3 kedvezm\u00e9nyes ad\u00f3m\u00e9rt\u00e9k. A NAV t\u00e1j\u00e9koztat\u00e1sa szerint az 5%-os \u00e1fa 2026.
december 31-ig alkalmazhat\u00f3 bizonyos \u00faj lak\u00e1sok \u00e9s egylak\u00e1sos lak\u00f3ingatlanok \u00e9rt\u00e9kes\u00edt\u00e9s\u00e9re.
A szab\u00e1ly lak\u00e1sokn\u00e1l legfeljebb 150 n\u00e9gyzetm\u00e9ter, egylak\u00e1sos lak\u00f3ingatlanokn\u00e1l legfeljebb 300
n\u00e9gyzetm\u00e9ter hasznos alapter\u00fcletig relev\u00e1ns.
Forr\u00e1s: NAV \u2013 \u00dajabb k\u00e9t \u00e9vig marad az \u00faj\u00e9p\u00edt\u00e9s\u0171 lak\u00e1sok 5 sz\u00e1zal\u00e9kos \u00e1f\u00e1ja.

Ez a gyakorlatban azt jelenti, hogy egy \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan v\u00e9tel\u00e1r\u00e1ban jelent\u0151s elt\u00e9r\u00e9s lehet
att\u00f3l f\u00fcgg\u0151en, hogy 5%-os vagy 27%-os \u00e1fa vonatkozik r\u00e1. A k\u00fcl\u00f6nbs\u00e9g nemcsak sz\u00e1mviteli
k\u00e9rd\u00e9s, hanem v\u00e1s\u00e1rl\u00f3i oldalr\u00f3l is fontos d\u00f6nt\u00e9si szempont.<\/p>\n\n\n\n

Mi v\u00e1ltozhat 2026 ut\u00e1n?<\/h2>\n\n\n\n

A NAV t\u00e1j\u00e9koztat\u00e1sa alapj\u00e1n az 5%-os kedvezm\u00e9nyes ad\u00f3m\u00e9rt\u00e9ket 2027. janu\u00e1r 1-j\u00e9vel
kivezetik, ugyanakkor \u00e1tmeneti szab\u00e1lyok mellett 2026 ut\u00e1n is alkalmazhat\u00f3 lehet bizonyos
projektek eset\u00e9ben. Ilyen lehet p\u00e9ld\u00e1ul, ha az \u00e9p\u00edt\u00e9si enged\u00e9ly 2026. december 31-ig
v\u00e9glegess\u00e9 v\u00e1lt, vagy az egyszer\u0171 bejelent\u00e9s a jogszab\u00e1lyban meghat\u00e1rozott hat\u00e1rid\u0151k szerint
megt\u00f6rt\u00e9nt.
Forr\u00e1s: NAV \u2013 \u00dajabb k\u00e9t \u00e9vig marad az \u00faj\u00e9p\u00edt\u00e9s\u0171 lak\u00e1sok 5 sz\u00e1zal\u00e9kos \u00e1f\u00e1ja.

Ez\u00e9rt 2026-ban k\u00fcl\u00f6n\u00f6sen fontos lehet ellen\u0151rizni, hogy az adott \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan melyik
szab\u00e1lyoz\u00e1si k\u00f6rbe tartozik. Nem minden projekt \u00e1f\u00e1ja alakul ugyan\u00fagy, \u00e9s egy k\u00e9s\u0151bbi \u00e1tad\u00e1s
\u00f6nmag\u00e1ban m\u00e9g nem jelenti azt, hogy biztosan elveszik az 5%-os \u00e1fa lehet\u0151s\u00e9ge.

A l\u00e9nyeg a r\u00e9szletekben van: mikor kapott enged\u00e9lyt a projekt, milyen bejelent\u00e9s kapcsol\u00f3dik
hozz\u00e1, \u00e9s milyen id\u0151pontban t\u00f6rt\u00e9nik az \u00e9rt\u00e9kes\u00edt\u00e9s vagy az el\u0151legfizet\u00e9s.<\/p>\n\n\n\n

Mi\u00e9rt sz\u00e1m\u00edt ez a v\u00e1s\u00e1rl\u00f3nak?<\/h2>\n\n\n\n

Egy \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan eset\u00e9ben az \u00e1fa m\u00e9rt\u00e9ke k\u00f6zvetlen\u00fcl befoly\u00e1solhatja a brutt\u00f3 v\u00e9tel\u00e1rat.
Ha egy projekt 5%-os \u00e1f\u00e1val \u00e9rt\u00e9kes\u00edthet\u0151, az v\u00e1s\u00e1rl\u00f3i oldalr\u00f3l kedvez\u0151bb bel\u00e9p\u00e9si pontot
jelenthet ahhoz k\u00e9pest, mintha ugyanarra az ingatlanra 27%-os \u00e1fa vonatkozna.

Fontos azonban l\u00e1tni, hogy az \u00e1fav\u00e1ltoz\u00e1s nem minden esetben jelenik meg automatikusan \u00e9s
teljes eg\u00e9sz\u00e9ben az \u00e1rakban. A fejleszt\u0151k, az elad\u00f3k \u00e9s a piac teherb\u00edr\u00f3 k\u00e9pess\u00e9ge is
befoly\u00e1solja, hogy a magasabb ad\u00f3terhet milyen m\u00e9rt\u00e9kben lehet \u00e1th\u00e1r\u00edtani a vev\u0151kre.

Ett\u0151l f\u00fcggetlen\u00fcl a k\u00fcl\u00f6nbs\u00e9g olyan jelent\u0151s lehet, hogy lak\u00e1sv\u00e1s\u00e1rl\u00e1s el\u0151tt mindenk\u00e9ppen
\u00e9rdemes tiszt\u00e1zni az adott ingatlan \u00e1fast\u00e1tusz\u00e1t. Egy pr\u00e9mium ingatlan vagy nagyobb \u00e9rt\u00e9k\u0171 \u00faj
\u00e9p\u00edt\u00e9s\u0171 ingatlan eset\u00e9ben ez ak\u00e1r t\u00f6bb milli\u00f3 forintos k\u00e9rd\u00e9s is lehet.<\/p>\n\n\n\n

Milyen hat\u00e1sa lehet az ingatlanpiacra?<\/h2>\n\n\n\n

Az 5%-os \u00e9s 27%-os \u00e1fa k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g nemcsak egy\u00e9ni v\u00e1s\u00e1rl\u00f3i szinten fontos, hanem a
teljes \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanpiacra is hat\u00e1ssal lehet. A kedvezm\u00e9nyes \u00e1fa t\u00e1mogathatja a fejleszt\u0151i
aktivit\u00e1st, seg\u00edtheti az \u00faj lak\u00e1sok piacra ker\u00fcl\u00e9s\u00e9t, \u00e9s jav\u00edthatja a v\u00e1s\u00e1rl\u00f3k el\u00e9rhet\u0151s\u00e9g\u00e9t.

Ha egyes projektek 2026 ut\u00e1n m\u00e1r nem tudj\u00e1k alkalmazni az 5%-os \u00e1f\u00e1t, az hat\u00e1ssal lehet az
\u00e1rk\u00e9pz\u00e9sre, a keresletre \u00e9s ak\u00e1r a fejleszt\u00e9si d\u00f6nt\u00e9sekre is. A v\u00e1s\u00e1rl\u00f3k oldal\u00e1r\u00f3l ez azt jelenti,
hogy a j\u00f3 lok\u00e1ci\u00f3j\u00fa, \u00e1tl\u00e1that\u00f3 felt\u00e9telekkel k\u00edn\u00e1lt \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanok ir\u00e1nt tov\u00e1bbra is er\u0151s lehet
az \u00e9rdekl\u0151d\u00e9s.

Ez k\u00fcl\u00f6n\u00f6sen igaz akkor, ha a kedvezm\u00e9nyes \u00e1fa mellett m\u00e1s t\u00e9nyez\u0151k is t\u00e1mogatj\u00e1k a
v\u00e1s\u00e1rl\u00e1st: p\u00e9ld\u00e1ul kedvez\u0151 finansz\u00edroz\u00e1s, j\u00f3 m\u0171szaki tartalom, energiahat\u00e9kony megold\u00e1sok \u00e9s
hossz\u00fa t\u00e1von \u00e9rt\u00e9k\u00e1ll\u00f3 lok\u00e1ci\u00f3.<\/p>\n\n\n\n

Mire figyelj lak\u00e1sv\u00e1s\u00e1rl\u00e1s el\u0151tt?<\/h2>\n\n\n\n

2026-ban \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan v\u00e1s\u00e1rl\u00e1sa el\u0151tt \u00e9rdemes k\u00fcl\u00f6n r\u00e1k\u00e9rdezni arra, hogy az adott
projekt 5%-os vagy 27%-os \u00e1f\u00e1val ker\u00fcl-e \u00e9rt\u00e9kes\u00edt\u00e9sre. Fontos tiszt\u00e1zni azt is, hogy az \u00e1r
brutt\u00f3 vagy nett\u00f3 m\u00f3don szerepel-e a kommunik\u00e1ci\u00f3ban, \u00e9s milyen fizet\u00e9si \u00fctemez\u00e9s
kapcsol\u00f3dik a szerz\u0151d\u00e9shez.

Ugyanilyen fontos az is, hogy a v\u00e1s\u00e1rl\u00f3 ne csak az \u00e1f\u00e1t n\u00e9zze. A kedvez\u0151bb ad\u00f3kulcs
\u00f6nmag\u00e1ban nem p\u00f3tolja a j\u00f3 lok\u00e1ci\u00f3t, az \u00e1tgondolt m\u0171szaki tartalmat \u00e9s az \u00e9rt\u00e9k\u00e1ll\u00f3
ingatland\u00f6nt\u00e9st.

Az \u00e1fa teh\u00e1t fontos szempont, de nem az egyetlen. A j\u00f3 d\u00f6nt\u00e9shez \u00e9rdemes egy\u00fctt vizsg\u00e1lni az
ingatlan piaci \u00e9rt\u00e9k\u00e9t, a projekt h\u00e1tter\u00e9t, a finansz\u00edroz\u00e1st \u00e9s a hossz\u00fa t\u00e1v\u00fa c\u00e9lokat.<\/p>\n\n\n\n

\u00d6sszegz\u00e9s: 2026-ban az \u00e1fa is strat\u00e9giai k\u00e9rd\u00e9s<\/h2>\n\n\n\n

A 2026-os \u00e9v az \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanok piac\u00e1n kiemelt id\u0151szak lehet. Az 5%-os lak\u00e1s\u00e1fa \u00e9s a
27%-os \u00e1ltal\u00e1nos \u00e1fakulcs k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g jelent\u0151s hat\u00e1ssal lehet a v\u00e9tel\u00e1rra, ez\u00e9rt
lak\u00e1sv\u00e1s\u00e1rl\u00e1s el\u0151tt \u00e9rdemes pontosan meg\u00e9rteni, milyen szab\u00e1lyok vonatkoznak az adott
projektre.

\u00c9n azt l\u00e1tom, hogy a tudatos v\u00e1s\u00e1rl\u00f3k sz\u00e1m\u00e1ra 2026-ban k\u00fcl\u00f6n\u00f6sen fontos lesz a j\u00f3 id\u0151z\u00edt\u00e9s \u00e9s
az alapos el\u0151k\u00e9sz\u00edt\u00e9s. Egy \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan kiv\u00e1laszt\u00e1s\u00e1n\u00e1l nem el\u00e9g az alaprajzot vagy a
n\u00e9gyzetm\u00e9ter\u00e1rat n\u00e9zni: az ad\u00f3z\u00e1si h\u00e1tt\u00e9r, a szerz\u0151d\u00e9ses felt\u00e9telek \u00e9s a projekt st\u00e1tusza is
befoly\u00e1solhatja a v\u00e9gs\u0151 d\u00f6nt\u00e9st.

Ha \u00d6n is \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlan v\u00e1s\u00e1rl\u00e1s\u00e1n gondolkodik, \u00e9rdemes szak\u00e9rt\u0151 seg\u00edts\u00e9ggel \u00e1ttekinteni
az aktu\u00e1lis lehet\u0151s\u00e9geket. Ingatlanszak\u00e9rt\u0151k\u00e9nt abban seg\u00edtek, hogy ne csak megfelel\u0151
ingatlant tal\u00e1ljon, hanem hossz\u00fa t\u00e1von is biztons\u00e1gos \u00e9s \u00e9rt\u00e9k\u00e1ll\u00f3 d\u00f6nt\u00e9st hozzon.<\/p>\n\t\t\t\t\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":"

\u00daj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1st v\u00e1s\u00e1roln\u00e1l 2026-ban? Ezt \u00e9rdemestudni az 5%-os \u00e1f\u00e1r\u00f3l Ingatlanszak\u00e9rt\u0151k\u00e9nt azt l\u00e1tom, hogy 2026-ban az \u00faj \u00e9p\u00edt\u00e9s\u0171 ingatlanok piac\u00e1n az egyiklegfontosabb k\u00e9rd\u00e9s az \u00e1fa alakul\u00e1sa. Egy lak\u00e1sv\u00e1s\u00e1rl\u00e1sn\u00e1l sokan els\u0151sorban a v\u00e9tel\u00e1rat, alok\u00e1ci\u00f3t vagy a finansz\u00edroz\u00e1st n\u00e9zik, pedig az \u00e1fatartalom is komoly hat\u00e1ssal lehet arra,mennyibe ker\u00fcl v\u00e9g\u00fcl egy \u00faj otthon. A jelenlegi szab\u00e1lyoz\u00e1s szerint az […]<\/p>\n","protected":false},"author":1,"featured_media":937,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nLak\u00e1sv\u00e1s\u00e1rl\u00e1s 2026-ban: 5% vs 27% \u00e1fa \u2013 Mit jelent ez a vev\u0151nek?<\/title>\n<meta name=\"description\" content=\"\u00daj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1st v\u00e1s\u00e1roln\u00e1l 2026-ban? 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