{"id":897,"date":"2022-11-21T14:57:47","date_gmt":"2022-11-21T13:57:47","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=897"},"modified":"2025-03-21T14:11:20","modified_gmt":"2025-03-21T13:11:20","slug":"hogyan-lehet-elkerulni-a-tulzott-eladosodast","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/hu\/tanacs\/hogyan-lehet-elkerulni-a-tulzott-eladosodast\/","title":{"rendered":"Hogyan ker\u00fclj\u00fck el a t\u00falzott elad\u00f3sod\u00e1st?"},"content":{"rendered":"<p>A t\u00falzott elad\u00f3sod\u00e1st \u00fagy defini\u00e1lj\u00e1k, mint az \u00f6sszes ad\u00f3ss\u00e1g teljes \u00e9s hat\u00e1rid\u0151re t\u00f6rt\u00e9n\u0151 visszafizet\u00e9s\u00e9nek k\u00e9ptelens\u00e9g\u00e9t. Ez akkor fordul el\u0151, ha a h\u00e1ztart\u00e1s nett\u00f3 j\u00f6vedelme nem elegend\u0151 az ism\u00e9tl\u0151d\u0151 kiad\u00e1sok fedez\u00e9s\u00e9re hat egym\u00e1st k\u00f6vet\u0151 h\u00f3napon kereszt\u00fcl. Ez egy kedvez\u0151tlen \u00e9s tart\u00f3s anyagi helyzet, amely jogi l\u00e9p\u00e9seket vonhat maga ut\u00e1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mik a t\u00falzott elad\u00f3sod\u00e1s okai?<\/h2>\n\n\n\n<p>A t\u00falzott elad\u00f3sod\u00e1s soha nem t\u00f6rt\u00e9nik v\u00e9letlen\u00fcl. K\u00e9t f\u0151 okot lehet megk\u00fcl\u00f6nb\u00f6ztetni, amelyek ennek a helyzetnek a kialakul\u00e1s\u00e1hoz vezetnek:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>szem\u00e9lyes okok (rossz k\u00f6lts\u00e9gvet\u00e9si gazd\u00e1lkod\u00e1s, magasabb t\u00e1rsadalmi st\u00e1tuszra val\u00f3 t\u00f6rekv\u00e9s, betegs\u00e9g, baleset vagy s\u00e9r\u00fcl\u00e9s, f\u00fcgg\u0151s\u00e9g stb.)<\/li>\n\n\n\n<li>szoci\u00e1lis okok (infl\u00e1ci\u00f3, munkan\u00e9lk\u00fclis\u00e9g, alacsonyabb b\u00e9rek, k\u00e9sedelmes fizet\u00e9sek stb.)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Elmondhatjuk teh\u00e1t, hogy a t\u00falzott elad\u00f3sodotts\u00e1gnak k\u00e9t t\u00edpusa van: a \u201epassz\u00edv\u201d t\u00falad\u00f3ss\u00e1g, amelyet a munkan\u00e9lk\u00fclis\u00e9g \u00e9s egy\u00e9b hirtelen esem\u00e9nyek okoznak, amelyek lehetetlenn\u00e9 teszik az ad\u00f3ss\u00e1g visszafizet\u00e9s\u00e9t; \u00e9s az \u201eakt\u00edv\u201d t\u00falzott elad\u00f3sod\u00e1s, amely a fizet\u00e9si k\u00e9pess\u00e9g\u00e9t meghalad\u00f3 elad\u00f3sod\u00e1s eredm\u00e9nye.<\/p>\n\n\n\n<p>Az ad\u00f3ss\u00e1g a k\u00f6vetkez\u0151k\u00e9ppen min\u0151s\u00edthet\u0151:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mint p\u00e9ld\u00e1ul a b\u00e9rleti d\u00edj, villany- \u00e9s internetsz\u00e1ml\u00e1k \u00e9s minden lak\u00e1sfel\u00faj\u00edt\u00e1si k\u00f6lts\u00e9g.<\/li>\n\n\n\n<li>jelz\u00e1loghitel, fogyaszt\u00e1si hitel vagy g\u00e9pj\u00e1rm\u0171hitel form\u00e1j\u00e1ban fenn\u00e1ll\u00f3 tartoz\u00e1sok. Ez azt jelenti, hogy p\u00e9nzt kell felvenni, amelyet havonta kamatostul fizetnek vissza.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Az egyszer\u0171 t\u00e9ny, hogy hitelt kell t\u00f6rleszteni, vagy \u00e1tmeneti p\u00e9nz\u00fcgyi neh\u00e9zs\u00e9gekbe \u00fctk\u00f6zik, m\u00e9g nem jelenti azt, hogy t\u00fal elad\u00f3sodott. Sok emberrel megesik. Sz\u00f3val ne ess p\u00e1nikba! A hitelek nem ellens\u00e9gek, b\u00e1r fontos felismerni, hogy a t\u00falzott elad\u00f3sod\u00e1s oka lehet a vissza\u00e9l\u00e9s\u00fck.<\/p>\n\n\n\n<p>Miel\u0151tt b\u00e1rmilyen okb\u00f3l hitelt vesz fel, gy\u0151z\u0151dj\u00f6n meg arr\u00f3l, hogy vil\u00e1gos elk\u00e9pzel\u00e9se van arr\u00f3l, hogy a rendelkez\u00e9sre \u00e1ll\u00f3 k\u00f6lts\u00e9gvet\u00e9s hogyan fog kin\u00e9zni ezut\u00e1n. Tegyen fel mag\u00e1nak egy egyszer\u0171 k\u00e9rd\u00e9st: &quot;Elegend\u0151-e a j\u00f6vedelmem a meg\u00e9lhet\u00e9si k\u00f6lts\u00e9geim \u00e9s a hitel t\u00f6rleszt\u00e9s\u00e9re?&quot; &quot;. Lesz el\u00e9g p\u00e9nzed olyan sz\u00fcks\u00e9ges kiad\u00e1sokra, mint a b\u00e9rleti d\u00edj, az \u00e9lelmiszerv\u00e1s\u00e1rl\u00e1s \u00e9s a h\u00e1ztart\u00e1si sz\u00e1ml\u00e1k? Ha a v\u00e1lasz nem, fenn\u00e1ll a vesz\u00e9lye annak, hogy t\u00falzott elad\u00f3sod\u00e1sba ker\u00fcl, \u00e9s mindenk\u00e9ppen gondolja \u00e1t, miel\u0151tt al\u00e1\u00edrja.<\/p>\n\n\n\n<p>Ahhoz, hogy megtudja, fenn\u00e1ll-e a t\u00falzott elad\u00f3sod\u00e1s vesz\u00e9lye, el\u0151sz\u00f6r ismernie kell az ad\u00f3ss\u00e1gr\u00e1t\u00e1t, vagyis a havi bev\u00e9tel\u00e9t a teljes havi kiad\u00e1sokhoz viszony\u00edtva. Ezt az ar\u00e1nyt \u00fagy sz\u00e1m\u00edtja ki, hogy \u00f6sszeadja adott havi tartoz\u00e1sait (b\u00e9rleti d\u00edjak, sz\u00e1ml\u00e1k \u00e9s hitelek), \u00e9s \u00f6sszehasonl\u00edtja a nett\u00f3 havi j\u00f6vedelm\u00e9vel.\u00c1ltal\u00e1ban a rendelkez\u00e9sre \u00e1ll\u00f3 j\u00f6vedelm\u00e9hez k\u00e9pest 50% feletti ad\u00f3ss\u00e1gr\u00e1ta a t\u00falzott elad\u00f3sod\u00e1s kock\u00e1zat\u00e1val j\u00e1r. M\u00e9g a 30% feletti ad\u00f3ss\u00e1gr\u00e1ta is aggaszt\u00f3 \u00e9s \u00f3vatoss\u00e1gra int! A 33% kamatl\u00e1bat is szisztematikusan figyelembe veszik a bankok a hitelny\u00fajt\u00e1s el\u0151tt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cdme n\u00e9h\u00e1ny hasznos tipp, amelyek seg\u00edts\u00e9g\u00e9vel kord\u00e1ban tarthatja szem\u00e9lyes p\u00e9nz\u00fcgyeit, \u00e9s elker\u00fclheti a t\u00falzott elad\u00f3sod\u00e1st:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Takar\u00edtson meg min\u00e9l t\u00f6bb p\u00e9nzt. Rendszeresen tegyen f\u00e9lre p\u00e9nzt. Sokkal k\u00f6nnyebben tud majd megbirk\u00f3zni az esetleges \u00e9s el\u0151re nem l\u00e1that\u00f3 kiad\u00e1sokkal.<\/li>\n\n\n\n<li>Korl\u00e1tozza a sz\u00fcks\u00e9gtelen kiad\u00e1sokat. Cs\u00f6kkentse jelenlegi \u00e9letsz\u00ednvonal\u00e1t, \u00e9s csak azt v\u00e1s\u00e1rolja meg, ami sz\u00fcks\u00e9ges. Haszn\u00e1lja ki a k\u00fcl\u00f6nleges aj\u00e1nlatokat alapvet\u0151 v\u00e1s\u00e1rl\u00e1saihoz. Tekintse \u00e1t a kiad\u00e1sait, \u00e9s v\u00e1lassza ki azt, amit nem n\u00e9lk\u00fcl\u00f6zhet ak\u00e1r \u00e1tmenetileg is, am\u00edg a p\u00e9nz\u00fcgyei nem rendez\u0151dnek.<\/li>\n\n\n\n<li>Ker\u00fclje el a k\u00e9sedelmes fizet\u00e9st. A k\u00e9sedelmes fizet\u00e9sek dr\u00e1g\u00e1k, \u00e9s n\u00f6velik az ad\u00f3ss\u00e1g\u00e1t.<\/li>\n\n\n\n<li>K\u00e9sz\u00edtsen fizet\u00e9si \u00fctemez\u00e9st. K\u00e9sz\u00edtsen \u00fctemtervet a bev\u00e9telei \u00e9s a fizet\u00e9si hat\u00e1rid\u0151k alapj\u00e1n. \u00cdgy minden h\u00f3napban tudni fogja, mit engedhet meg mag\u00e1nak, \u00e9s m\u00f3dos\u00edthatja kiad\u00e1sait.<\/li>\n\n\n\n<li>Ne haszn\u00e1ljon rul\u00edroz\u00f3 hiteleket. Nagyon magas a kamata, \u00e9s cs\u00e1b\u00edt\u00f3 a hitelkeret ig\u00e9nybev\u00e9tele. Ker\u00fclje a hitelk\u00e1rty\u00e1kat \u00e9s a k\u00f6lcs\u00f6n\u00f6ket a k\u00f6lts\u00e9gek fedez\u00e9s\u00e9re.<\/li>\n\n\n\n<li>L\u00e9pjen kapcsolatba hitelez\u0151ivel. T\u00e1rgyaljon tov\u00e1bbi id\u0151t a k\u00f6lcs\u00f6n\u00f6k t\u00f6rleszt\u00e9s\u00e9re vagy \u00e1t\u00fctemez\u00e9s\u00e9re.<\/li>\n\n\n\n<li>Ne vegyen fel \u00faj hiteleket. Ha \u00edgy tesz, csak rosszabb lesz a helyzet.<\/li>\n\n\n\n<li>Ne konszolid\u00e1lja hiteleit. A hitel futamidej\u00e9nek meghosszabb\u00edt\u00e1s\u00e1val n\u00f6veli \u00e1ltal\u00e1nos elad\u00f3sodotts\u00e1g\u00e1t.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>K\u00f6lts\u00e9gvet\u00e9se ellen\u0151rz\u00e9s\u00e9hez, valamint fizet\u00e9si \u00e9s visszafizet\u00e9si k\u00e9pess\u00e9g\u00e9nek fenntart\u00e1s\u00e1hoz elengedhetetlen, hogy figyelemmel k\u00eds\u00e9rje p\u00e9nz\u00fcgyeit. Bizonyos \u00f3vint\u00e9zked\u00e9sek megt\u00e9tel\u00e9vel, a kock\u00e1zatok tudat\u00e1ban \u00e9s a k\u00f6lts\u00e9gvet\u00e9s szigor\u00fa kezel\u00e9s\u00e9vel minden es\u00e9lye megvan arra, hogy soha ne ker\u00fclj\u00f6n t\u00falzott elad\u00f3sod\u00e1sba!<\/p>\n\n\n\n<p>Hasznos lehet az is, ha biztos\u00edt\u00e1st k\u00f6t a legfontosabb hiteleire. Ez tov\u00e1bbi v\u00e9delmet ny\u00fajt az olyan el\u0151re nem l\u00e1that\u00f3 esem\u00e9nyek ellen, amelyek kiegyens\u00falyozhatj\u00e1k t\u00f6rleszt\u00e9si k\u00e9pess\u00e9geit.<\/p>\n\n\n\n<p>Bizony\u00e1ra \u00d6n is hallott m\u00e1r a szem\u00e9lyi k\u00f6lcs\u00f6n\u00f6k vesz\u00e9ly\u00e9r\u0151l, amelyeket sok szervezet felt\u00e9tel n\u00e9lk\u00fcl ny\u00fajt. Ezeket a k\u00f6lcs\u00f6n\u00f6ket sok t\u00falzott elad\u00f3sodotts\u00e1g eset\u00e9n haszn\u00e1lj\u00e1k fel. Nagyon k\u00f6nnyen beszerezhet\u0151, \u00e1ltal\u00e1ban nagyon gyorsan online biztos\u00edtj\u00e1k. Ker\u00fclje el a fogyaszt\u00f3i hitelcsapd\u00e1t.<\/p>\n\n\n\n<p>Az ad\u00f3ss\u00e1g puszt\u00edt\u00f3 k\u00f6vetkezm\u00e9nyekkel j\u00e1rhat j\u00f3l\u00e9t\u00e9re: \u00f6nbizalomveszt\u00e9s, depresszi\u00f3, elszigetelts\u00e9g, csal\u00e1di konfliktusok, csal\u00e1di k\u00f6lts\u00e9gvet\u00e9s cs\u00f6kken\u00e9se. Ha t\u00fal elad\u00f3sodott, ne dugja homokba a fej\u00e9t, vegye kez\u00e9be a dolgokat! A cselekv\u00e9s mindig megold\u00e1shoz vezet! Kezdje azzal, hogy felveszi a kapcsolatot a hitelez\u0151ivel, \u00e9s k\u00e9rjen t\u0151l\u00fck egy meg\u00e1llapod\u00e1st a tartoz\u00e1suk visszafizet\u00e9s\u00e9re. P\u00e9ld\u00e1ul a jelz\u00e1loghitel \u00fajrat\u00e1rgyal\u00e1sa gyakran lehet\u0151v\u00e9 teszi a havi kiad\u00e1sok cs\u00f6kkent\u00e9s\u00e9t. Vagy k\u00e9rjen fizet\u00e9si tervet anyagi helyzet\u00e9nek enyh\u00edt\u00e9s\u00e9re.<\/p>","protected":false},"excerpt":{"rendered":"<p>Melyek a t\u00falzott elad\u00f3sod\u00e1s okai, \u00e9s hogyan lehet elker\u00fclni?<\/p>","protected":false},"author":2,"featured_media":900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debiteurs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment \u00e9viter le surendettement ? - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"Stop au surendettement ! 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