{"id":3479,"date":"2026-03-30T16:14:04","date_gmt":"2026-03-30T16:14:04","guid":{"rendered":"https:\/\/lafodi.com\/?p=3479"},"modified":"2026-03-30T16:31:35","modified_gmt":"2026-03-30T16:31:35","slug":"hoe-betaling-en-valutawissel-werken-bij-het-kopen-van-een-woning-in-spanje-2026","status":"publish","type":"post","link":"https:\/\/lafodi.com\/nl\/hogyan-zajlik-a-fizetes-es-az-atvaltas-ingatlanvasarlaskor-spanyolorszagban-2026\/","title":{"rendered":"Hogyan zajlik a fizet\u00e9s \u00e9s az \u00e1tv\u00e1lt\u00e1s ingatlanv\u00e1s\u00e1rl\u00e1skor Spanyolorsz\u00e1gban? (2026)"},"content":{"rendered":"<p data-start=\"219\" data-end=\"310\">A spanyolorsz\u00e1gi ingatlanv\u00e1s\u00e1rl\u00e1s egyik legfontosabb k\u00e9rd\u00e9se a fizet\u00e9s m\u00f3dja \u00e9s biztons\u00e1ga.<\/p>\n<p data-start=\"312\" data-end=\"393\">Sokan att\u00f3l tartanak, hogy hogyan t\u00f6rt\u00e9nik a p\u00e9nz \u00e1tad\u00e1sa egy k\u00fclf\u00f6ldi orsz\u00e1gban.<\/p>\n<p data-start=\"395\" data-end=\"490\">A val\u00f3s\u00e1g az, hogy a folyamat j\u00f3l szab\u00e1lyozott \u00e9s biztons\u00e1gos, ha megfelel\u0151en van v\u00e9gigvezetve.<\/p>\n<p data-start=\"395\" data-end=\"490\">A v\u00e1s\u00e1rl\u00e1shoz sz\u00fcks\u00e9ges adminisztr\u00e1ci\u00f3 egyik alapja a NIE sz\u00e1m. Err\u0151l b\u0151vebben<em><a href=\"https:\/\/lafodi.com\/nl\/mi-az-a-nie-szam-es-miert-szukseges-ingatlanvasarlashoz-spanyolorszagban-2026\/\"> itt olvashatsz.<\/a><\/em><\/p>\n<hr data-start=\"492\" data-end=\"495\" \/>\n<h2 data-section-id=\"rs68vc\" data-start=\"497\" data-end=\"534\">Hogyan zajlik a fizet\u00e9s folyamata?<\/h2>\n<p data-start=\"536\" data-end=\"588\">A fizet\u00e9s t\u00f6bb l\u00e9p\u00e9sben t\u00f6rt\u00e9nik, nem egy \u00f6sszegben.<\/p>\n<hr data-start=\"590\" data-end=\"593\" \/>\n<h2 data-section-id=\"1ezfnsj\" data-start=\"595\" data-end=\"621\">1. Foglal\u00f3 (rezerv\u00e1ci\u00f3)<\/h2>\n<p data-start=\"623\" data-end=\"676\">Az els\u0151 l\u00e9p\u00e9s \u00e1ltal\u00e1ban egy kisebb \u00f6sszeg befizet\u00e9se.<\/p>\n<p data-start=\"678\" data-end=\"681\">Ez:<\/p>\n<ul data-start=\"683\" data-end=\"746\">\n<li data-section-id=\"1pnec58\" data-start=\"683\" data-end=\"710\">lefoglalja az ingatlant<\/li>\n<li data-section-id=\"gt83yy\" data-start=\"711\" data-end=\"746\">jelzi a komoly v\u00e9teli sz\u00e1nd\u00e9kot<\/li>\n<\/ul>\n<p data-start=\"748\" data-end=\"788\">Ez az \u00f6sszeg \u00e1ltal\u00e1ban n\u00e9h\u00e1ny ezer eur\u00f3.<\/p>\n<hr data-start=\"790\" data-end=\"793\" \/>\n<h2 data-section-id=\"1xf8mc7\" data-start=\"795\" data-end=\"834\">2. El\u0151szerz\u0151d\u00e9s \u00e9s nagyobb befizet\u00e9s<\/h2>\n<p data-start=\"836\" data-end=\"884\">A k\u00f6vetkez\u0151 l\u00e9p\u00e9s egy nagyobb \u00f6sszeg kifizet\u00e9se.<\/p>\n<p data-start=\"886\" data-end=\"900\">Ez jellemz\u0151en:<\/p>\n<ul data-start=\"902\" data-end=\"945\">\n<li data-section-id=\"1thqius\" data-start=\"902\" data-end=\"925\">a v\u00e9tel\u00e1r egy r\u00e9sze<\/li>\n<li data-section-id=\"1aisjmq\" data-start=\"926\" data-end=\"945\">gyakran kb. 10%<\/li>\n<\/ul>\n<p data-start=\"947\" data-end=\"1001\">Ekkor t\u00f6rt\u00e9nik meg a r\u00e9szletes szerz\u0151d\u00e9s r\u00f6gz\u00edt\u00e9se is.<\/p>\n<hr data-start=\"1003\" data-end=\"1006\" \/>\n<h2 data-section-id=\"1v749l5\" data-start=\"1008\" data-end=\"1044\">3. V\u00e9gs\u0151 kifizet\u00e9s a k\u00f6zjegyz\u0151n\u00e9l<\/h2>\n<p data-start=\"1046\" data-end=\"1126\">A teljes v\u00e9tel\u00e1r fennmarad\u00f3 r\u00e9sze a k\u00f6zjegyz\u0151 (notario) el\u0151tt ker\u00fcl kifizet\u00e9sre.<\/p>\n<p data-start=\"1128\" data-end=\"1141\">Ez t\u00f6rt\u00e9nhet:<\/p>\n<ul data-start=\"1143\" data-end=\"1196\">\n<li data-section-id=\"lgt9si\" data-start=\"1143\" data-end=\"1164\">banki \u00e1tutal\u00e1ssal<\/li>\n<li data-section-id=\"1485p6b\" data-start=\"1165\" data-end=\"1196\">banki csekkel (bank cheque)<\/li>\n<\/ul>\n<p data-start=\"1198\" data-end=\"1236\">Ez a hivatalos lez\u00e1r\u00e1sa a v\u00e1s\u00e1rl\u00e1snak. A fizet\u00e9shez \u00e1ltal\u00e1ban <em><a href=\"https:\/\/lafodi.com\/nl\/heb-je-in-2026-een-spaanse-bankrekening-nodig-om-een-woning-in-spanje-te-kopen\/\">spanyol banksz\u00e1mla is sz\u00fcks\u00e9ges.<\/a><\/em><\/p>\n<hr data-start=\"1238\" data-end=\"1241\" \/>\n<h2 data-section-id=\"11n7fss\" data-start=\"1243\" data-end=\"1275\">Hogyan biztos\u00edtott a fizet\u00e9s?<\/h2>\n<p data-start=\"1277\" data-end=\"1318\">A folyamat biztons\u00e1g\u00e1t t\u00f6bb t\u00e9nyez\u0151 adja:<\/p>\n<ul data-start=\"1320\" data-end=\"1390\">\n<li data-section-id=\"49eb91\" data-start=\"1320\" data-end=\"1342\">\u00fcgyv\u00e9di ellen\u0151rz\u00e9s<\/li>\n<li data-section-id=\"9hrb3j\" data-start=\"1343\" data-end=\"1366\">szerz\u0151d\u00e9ses v\u00e9delem<\/li>\n<li data-section-id=\"1sx5r2d\" data-start=\"1367\" data-end=\"1390\">k\u00f6zjegyz\u0151i jelenl\u00e9t<\/li>\n<\/ul>\n<p data-start=\"1392\" data-end=\"1442\">Ez\u00e9rt nem t\u00f6rt\u00e9nik \u201ek\u00e9zb\u0151l k\u00e9zbe\u201d t\u00f6rt\u00e9n\u0151 fizet\u00e9s.<\/p>\n<hr data-start=\"1444\" data-end=\"1447\" \/>\n<h2 data-section-id=\"yswjh4\" data-start=\"1449\" data-end=\"1471\">Mire kell figyelni?<\/h2>\n<ul data-start=\"1473\" data-end=\"1592\">\n<li data-section-id=\"nsge9d\" data-start=\"1473\" data-end=\"1510\">minden fizet\u00e9s dokument\u00e1lt legyen<\/li>\n<li data-section-id=\"svltl3\" data-start=\"1511\" data-end=\"1553\">ne utalj k\u00f6zvetlen\u00fcl ismeretlen f\u00e9lnek<\/li>\n<li data-section-id=\"1r8l12r\" data-start=\"1554\" data-end=\"1592\">a teljes folyamat legyen \u00e1tl\u00e1that\u00f3<\/li>\n<\/ul>\n<hr data-start=\"1594\" data-end=\"1597\" \/>\n<h2 data-section-id=\"10pj47\" data-start=\"1599\" data-end=\"1614\">Gyakori hiba<\/h2>\n<p data-start=\"1616\" data-end=\"1687\">Sokan nem \u00e9rtik pontosan a fizet\u00e9si l\u00e9p\u00e9seket, \u00e9s emiatt bizonytalanok.<\/p>\n<p data-start=\"1689\" data-end=\"1757\">Ez felesleges stresszt okozhat egy egy\u00e9bk\u00e9nt j\u00f3l m\u0171k\u00f6d\u0151 folyamatban.<\/p>\n<hr data-start=\"1759\" data-end=\"1762\" \/>\n<h2 data-section-id=\"6zrw6\" data-start=\"1764\" data-end=\"1783\">Fontos tiszt\u00e1zni<\/h2>\n<p data-start=\"1785\" data-end=\"1840\">A fizet\u00e9s nem egyszerre t\u00f6rt\u00e9nik, hanem t\u00f6bb l\u00e9pcs\u0151ben.<\/p>\n<p data-start=\"1842\" data-end=\"1879\">Ez v\u00e9di mind a vev\u0151t, mind az elad\u00f3t.<\/p>\n<hr data-start=\"1881\" data-end=\"1884\" \/>\n<h2 data-section-id=\"bzpk9t\" data-start=\"213\" data-end=\"244\">Mi a helyzet az \u00e1tv\u00e1lt\u00e1ssal?<\/h2>\n<p data-start=\"246\" data-end=\"339\">Ha nem eur\u00f3ban \u00e1ll rendelkez\u00e9sre a p\u00e9nz, akkor a v\u00e1s\u00e1rl\u00e1s el\u0151tt sz\u00fcks\u00e9g van deviza\u00e1tv\u00e1lt\u00e1sra.<\/p>\n<p data-start=\"341\" data-end=\"354\">Ez \u00e1ltal\u00e1ban:<\/p>\n<ul data-start=\"356\" data-end=\"400\">\n<li data-section-id=\"1owhh37\" data-start=\"356\" data-end=\"373\">forint \u2192 eur\u00f3<\/li>\n<li data-section-id=\"17rz746\" data-start=\"374\" data-end=\"400\">vagy m\u00e1s valuta \u2192 eur\u00f3<\/li>\n<\/ul>\n<hr data-start=\"402\" data-end=\"405\" \/>\n<h2 data-section-id=\"1mvbr4u\" data-start=\"407\" data-end=\"438\">Hogyan t\u00f6rt\u00e9nik az \u00e1tv\u00e1lt\u00e1s?<\/h2>\n<p data-start=\"440\" data-end=\"459\">T\u00f6bb lehet\u0151s\u00e9g van:<\/p>\n<ul data-start=\"461\" data-end=\"526\">\n<li data-section-id=\"1eumbmj\" data-start=\"461\" data-end=\"481\">bankon kereszt\u00fcl<\/li>\n<li data-section-id=\"1h0uf8t\" data-start=\"482\" data-end=\"526\">online p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3kon kereszt\u00fcl<\/li>\n<\/ul>\n<p data-start=\"528\" data-end=\"597\">A v\u00e1laszt\u00e1s nem mindegy, mert az \u00e1rfolyamok \u00e9s k\u00f6lts\u00e9gek elt\u00e9rhetnek.<\/p>\n<hr data-start=\"599\" data-end=\"602\" \/>\n<h2 data-section-id=\"yswjh4\" data-start=\"604\" data-end=\"626\">Mire kell figyelni?<\/h2>\n<ul data-start=\"628\" data-end=\"779\">\n<li data-section-id=\"1p1dfpe\" data-start=\"628\" data-end=\"668\">az \u00e1rfolyam k\u00fcl\u00f6nbs\u00e9g jelent\u0151s lehet<\/li>\n<li data-section-id=\"18uoyb5\" data-start=\"669\" data-end=\"725\">a bankok gyakran kev\u00e9sb\u00e9 kedvez\u0151 \u00e1rfolyamon v\u00e1ltanak<\/li>\n<li data-section-id=\"1jfpd3r\" data-start=\"726\" data-end=\"779\">nagyobb \u00f6sszegn\u00e9l ez komoly k\u00fcl\u00f6nbs\u00e9get jelenthet<\/li>\n<\/ul>\n<hr data-start=\"781\" data-end=\"784\" \/>\n<h2 data-section-id=\"10pj47\" data-start=\"786\" data-end=\"801\">Gyakori hiba<\/h2>\n<p data-start=\"803\" data-end=\"859\">Sokan az utols\u00f3 pillanatban foglalkoznak az \u00e1tv\u00e1lt\u00e1ssal.<\/p>\n<p data-start=\"861\" data-end=\"864\">Ez:<\/p>\n<ul data-start=\"866\" data-end=\"939\">\n<li data-section-id=\"u7djis\" data-start=\"866\" data-end=\"900\">rossz \u00e1rfolyamot eredm\u00e9nyezhet<\/li>\n<li data-section-id=\"1k4kycs\" data-start=\"901\" data-end=\"939\">felesleges plusz k\u00f6lts\u00e9get okozhat<\/li>\n<\/ul>\n<hr data-start=\"941\" data-end=\"944\" \/>\n<h2 data-section-id=\"6zrw6\" data-start=\"946\" data-end=\"965\">Fontos tiszt\u00e1zni<\/h2>\n<p data-start=\"967\" data-end=\"1053\">A fizet\u00e9s minden esetben eur\u00f3ban t\u00f6rt\u00e9nik, ez\u00e9rt az \u00e1tv\u00e1lt\u00e1st el\u0151re meg kell tervezni.<\/p>\n<p data-start=\"967\" data-end=\"1053\">A megfelel\u0151 \u00e1tv\u00e1lt\u00e1si megold\u00e1s kiv\u00e1laszt\u00e1sa a teljes k\u00f6lts\u00e9g szempontj\u00e1b\u00f3l is fontos d\u00f6nt\u00e9s.<\/p>\n<h2 data-section-id=\"fx0csx\" data-start=\"1886\" data-end=\"1902\"><\/h2>\n<h2 data-section-id=\"fx0csx\" data-start=\"1886\" data-end=\"1902\">\u00d6sszefoglal\u00e1s<\/h2>\n<ul data-start=\"1904\" data-end=\"2022\">\n<li data-section-id=\"14m6qsy\" data-start=\"1904\" data-end=\"1940\">a fizet\u00e9s t\u00f6bb l\u00e9p\u00e9sben t\u00f6rt\u00e9nik<\/li>\n<li data-section-id=\"ssnwut\" data-start=\"1941\" data-end=\"1985\">a v\u00e9gs\u0151 kifizet\u00e9s k\u00f6zjegyz\u0151 el\u0151tt zajlik<\/li>\n<li data-section-id=\"1tditjd\" data-start=\"1986\" data-end=\"2022\">a folyamat biztons\u00e1gosan m\u0171k\u00f6dik<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>A spanyolorsz\u00e1gi ingatlanv\u00e1s\u00e1rl\u00e1s egyik legfontosabb k\u00e9rd\u00e9se a fizet\u00e9s m\u00f3dja \u00e9s biztons\u00e1ga. Sokan att\u00f3l tartanak, hogy hogyan t\u00f6rt\u00e9nik a p\u00e9nz \u00e1tad\u00e1sa egy k\u00fclf\u00f6ldi orsz\u00e1gban. A val\u00f3s\u00e1g az, hogy a folyamat j\u00f3l szab\u00e1lyozott \u00e9s biztons\u00e1gos, ha megfelel\u0151en van v\u00e9gigvezetve. A v\u00e1s\u00e1rl\u00e1shoz sz\u00fcks\u00e9ges adminisztr\u00e1ci\u00f3 egyik alapja a NIE sz\u00e1m. Err\u0151l b\u0151vebben itt olvashatsz. Hogyan zajlik a fizet\u00e9s folyamata? [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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":[94],"tags":[],"class_list":["post-3479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/comments?post=3479"}],"version-history":[{"count":3,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479\/revisions"}],"predecessor-version":[{"id":3489,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/posts\/3479\/revisions\/3489"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/media\/3480"}],"wp:attachment":[{"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/media?parent=3479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/categories?post=3479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lafodi.com\/nl\/wp-json\/wp\/v2\/tags?post=3479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}