{"id":32132,"date":"2024-03-12T11:34:12","date_gmt":"2024-03-12T08:34:12","guid":{"rendered":"https:\/\/legalbadger.org\/?p=32132"},"modified":"2025-03-14T11:17:37","modified_gmt":"2025-03-14T08:17:37","slug":"kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak","status":"publish","type":"post","link":"https:\/\/legalbadger.org\/hu\/jogi\/polgari-jog\/kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak\/","title":{"rendered":"K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban &#8211; mit jelent \u00e9s milyen kock\u00e1zatai vannak"},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\"><strong>Mit jelent a haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban?<\/strong><\/h2>\r\n\r\n\r\n\r\n\r\nEgy haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s \u2013 m\u00e1s n\u00e9ven haszn\u00e1lati k\u00f6lcs\u00f6n \u2013 r\u00e9v\u00e9n az egyik f\u00e9l, akit <strong>k\u00f6lcs\u00f6nad\u00f3<\/strong>-nak nevez\u00fcnk, ideiglenesen \u00e1tad egy ing\u00f3 vagy ingatlan vagyont\u00e1rgyat egy m\u00e1sik f\u00e9lnek, az \u00fagynevezett <strong>k\u00f6lcs\u00f6nvev\u0151nek<\/strong>, aki azt haszn\u00e1lhatja, majd egy meghat\u00e1rozott id\u0151n bel\u00fcl k\u00f6teles visszaszolg\u00e1ltatni.\r\n\r\n\r\n\r\n\r\n\r\nA haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9seket az adott szerz\u0151d\u00e9s t\u00e1rgya szerint lehet oszt\u00e1lyozni, p\u00e9ld\u00e1ul: lak\u00f3ingatlanok haszn\u00e1lat\u00e1ra, g\u00e9pj\u00e1rm\u0171vekre vagy egy\u00e9b ing\u00f3 vagyont\u00e1rgyakra vonatkoz\u00f3an. Minden esetben a l\u00e9nyeg ugyanaz marad: a vagyont\u00e1rgy haszn\u00e1lati jog\u00e1nak ideiglenes \u00e1truh\u00e1z\u00e1sa an\u00e9lk\u00fcl, hogy a tulajdonjog is \u00e1tsz\u00e1llna.\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Hol lehet megk\u00f6tni a haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9st\u00a0<\/strong><strong>Rom\u00e1ni\u00e1ban<\/strong><strong>?<\/strong><\/h2>\r\n\r\n\r\n\r\n\r\nA haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s megk\u00f6thet\u0151 k\u00f6zokirat form\u00e1j\u00e1ban, illetve mag\u00e1nokiratk\u00e9nt is. A szerz\u0151d\u00e9sben r\u00f6gz\u00edtett \u00f6sszes k\u00f6telezetts\u00e9get be kell tartani \u00e9s teljes\u00edteni kell. A k\u00fcl\u00f6nbs\u00e9g csup\u00e1n abban rejlik, hogy ha a szerz\u0151d\u00e9st k\u00f6zjegyz\u0151 el\u0151tt hiteles\u00edtik vagy bizony\u00edthat\u00f3an r\u00f6gz\u00edtett d\u00e1tummal ell\u00e1tott mag\u00e1nokiratk\u00e9nt k\u00f6tik meg, akkor az v\u00e9grehajthat\u00f3 okiratnak min\u0151s\u00fcl. Ez azt jelenti, hogy a visszaszolg\u00e1ltat\u00e1si k\u00f6telezetts\u00e9g kik\u00e9nyszer\u00edthet\u0151, p\u00e9ld\u00e1ul v\u00e9grehajt\u00e1si elj\u00e1r\u00e1s keret\u00e9ben, ha a szerz\u0151d\u00e9sben meghat\u00e1rozott felt\u00e9telek teljes\u00fclnek.\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Ki k\u00f6thet haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9st Rom\u00e1ni\u00e1ban?<\/strong><\/h3>\r\n\r\n\r\n\r\n\r\nA rom\u00e1niai polg\u00e1ri t\u00f6rv\u00e9nyk\u00f6nyv rendelkez\u00e9sei szerint minden olyan szem\u00e9ly, aki haszn\u00e1lati joggal rendelkezik egy adott vagyont\u00e1rgy felett, lehet k\u00f6lcs\u00f6nad\u00f3, kiv\u00e9ve, ha ezt jogszab\u00e1ly vagy szerz\u0151d\u00e9s tiltja. Nem sz\u00fcks\u00e9ges, hogy a szem\u00e9ly tulajdonjoggal is rendelkezzen az adott t\u00e1rgy felett, elegend\u0151 a haszn\u00e1lati jog megl\u00e9te. \u00cdgy a k\u00f6lcs\u00f6nvev\u0151 egy harmadik f\u00e9llel is k\u00f6thet haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9st ugyanarra a vagyont\u00e1rgyra, ha erre el\u0151zetesen enged\u00e9lyt kapott az eredeti k\u00f6lcs\u00f6nad\u00f3t\u00f3l (az els\u0151 haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9sben foglaltak szerint).\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>A haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s kock\u00e1zatai\u00a0<\/strong><strong>Rom\u00e1ni\u00e1ban<\/strong><\/h3>\r\n\r\n\r\n\r\n\r\nHa a szerz\u0151d\u00e9st csup\u00e1n mag\u00e1nokiratk\u00e9nt k\u00f6tik meg, fenn\u00e1ll annak a kock\u00e1zata, hogy az nem lesz v\u00e9grehajthat\u00f3 okirat, vagyis a k\u00f6lcs\u00f6nvev\u0151 nem lesz jogilag k\u00e9nyszer\u00edthet\u0151 a vagyont\u00e1rgy visszaszolg\u00e1ltat\u00e1s\u00e1ra. Ez a kock\u00e1zat kik\u00fcsz\u00f6b\u00f6lhet\u0151, ha a felek k\u00f6zjegyz\u0151i okirat form\u00e1j\u00e1ban k\u00f6tik meg a szerz\u0151d\u00e9st, vagy legal\u00e1bb bizony\u00edthat\u00f3an r\u00f6gz\u00edtett d\u00e1tummal l\u00e1tj\u00e1k el a mag\u00e1nokiratot.\r\n\r\n\r\n\r\n\r\n\r\nA haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s megk\u00f6t\u00e9se azt a kock\u00e1zatot is hordozza, hogy a k\u00f6lcs\u00f6nadott t\u00e1rgy elveszhet vagy megs\u00e9r\u00fclhet. Ebben az esetben a k\u00f6lcs\u00f6nvev\u0151 nem vonhat\u00f3 felel\u0151ss\u00e9gre, ha a vagyont\u00e1rgyat rendeltet\u00e9sszer\u0171en haszn\u00e1lta. Ha azonban a k\u00f6lcs\u00f6nvev\u0151 m\u00e1s c\u00e9lra haszn\u00e1lja a t\u00e1rgyat, mint amire k\u00f6lcs\u00f6nkapta, vagy a szerz\u0151d\u00e9ses hat\u00e1rid\u0151 lej\u00e1rta ut\u00e1n is haszn\u00e1lja azt, felel\u0151ss\u00e9ggel tartozik a bek\u00f6vetkezett k\u00e1rok\u00e9rt.\r\n\r\n\r\n\r\n\r\n\r\nA k\u00f6lcs\u00f6nvev\u0151 szempontj\u00e1b\u00f3l is fenn\u00e1llhatnak kock\u00e1zatok a haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s megk\u00f6t\u00e9se sor\u00e1n. P\u00e9ld\u00e1ul az \u00e1tvett vagyont\u00e1rgy rejtett hib\u00e1kkal rendelkezhet. Ha bizony\u00edthat\u00f3, hogy a szerz\u0151d\u00e9s megk\u00f6t\u00e9sekor a k\u00f6lcs\u00f6nad\u00f3 tudott ezekr\u0151l a hib\u00e1kr\u00f3l, de nem t\u00e1j\u00e9koztatta err\u0151l a k\u00f6lcs\u00f6nvev\u0151t, a k\u00f6lcs\u00f6nad\u00f3 felel\u0151ss\u00e9ggel tartozik az ebb\u0151l ered\u0151 k\u00e1rok\u00e9rt.\r\n\r\n\r\n\r\n\r\n\r\nEzen kock\u00e1zatok ellen\u00e9re a haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s hat\u00e9kony m\u00f3dja lehet a vagyont\u00e1rgyak haszn\u00e1lati jog\u00e1nak \u00e1tenged\u00e9s\u00e9re. Mind a k\u00f6lcs\u00f6nad\u00f3, mind a k\u00f6lcs\u00f6nvev\u0151 el\u0151ny\u00f6kh\u00f6z juthat az ilyen t\u00edpus\u00fa meg\u00e1llapod\u00e1s r\u00e9v\u00e9n, mik\u00f6zben biztos\u00edtj\u00e1k a jogszer\u0171 \u00e9s \u00e1tl\u00e1that\u00f3 m\u0171k\u00f6d\u00e9st.\r\n\r\n\r\n\r\n\r\n\r\n\u00d6sszegz\u00e9sk\u00e9nt elmondhat\u00f3, hogy a szerz\u0151d\u00e9s hely\u00e9t \u00e9s form\u00e1j\u00e1t a szerz\u0151d\u0151 felek hat\u00e1rozz\u00e1k meg. Legyen az k\u00f6zjegyz\u0151 \u00e1ltal hiteles\u00edtett dokumentum vagy egy k\u00e9toldal\u00fa meg\u00e1llapod\u00e1s, a l\u00e9nyeg v\u00e1ltozatlan marad: egy bizalmon \u00e9s felel\u0151ss\u00e9gen alapul\u00f3 meg\u00e1llapod\u00e1s a vagyont\u00e1rgy ideiglenes haszn\u00e1lat\u00e1ra.\r\n\r\n","protected":false},"excerpt":{"rendered":"<p>Mit jelent a haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban? Egy haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9s \u2013 m\u00e1s n\u00e9ven haszn\u00e1lati k\u00f6lcs\u00f6n \u2013 r\u00e9v\u00e9n az egyik f\u00e9l, akit k\u00f6lcs\u00f6nad\u00f3-nak nevez\u00fcnk, ideiglenesen \u00e1tad egy ing\u00f3 vagy ingatlan vagyont\u00e1rgyat egy m\u00e1sik f\u00e9lnek, az \u00fagynevezett k\u00f6lcs\u00f6nvev\u0151nek, aki azt haszn\u00e1lhatja, majd egy meghat\u00e1rozott id\u0151n bel\u00fcl k\u00f6teles visszaszolg\u00e1ltatni. A haszonk\u00f6lcs\u00f6n szerz\u0151d\u00e9seket az adott szerz\u0151d\u00e9s t\u00e1rgya szerint lehet oszt\u00e1lyozni, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_ppma_block_editor_authors":""},"categories":[386,387],"tags":[],"ppma_author":[119],"class_list":["post-32132","post","type-post","status-publish","format-standard","has-post-thumbnail","category-polgari-jog","category-uzleti-jog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban - mit jelent \u00e9s milyen kock\u00e1zatai vannak - Legal Badger<\/title>\n<meta name=\"description\" content=\"K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban - mit jelent \u00e9s milyen kock\u00e1zatai vannak\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/legalbadger.org\/hu\/jogi\/polgari-jog\/kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban - mit jelent \u00e9s milyen kock\u00e1zatai vannak - Legal Badger\" \/>\n<meta property=\"og:description\" content=\"K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban - mit jelent \u00e9s milyen kock\u00e1zatai vannak\" \/>\n<meta property=\"og:url\" content=\"https:\/\/legalbadger.org\/hu\/jogi\/polgari-jog\/kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak\/\" \/>\n<meta property=\"og:site_name\" content=\"Legal Badger\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/thelegalbadger\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-12T08:34:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-14T08:17:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/legalbadger.org\/wp-content\/uploads\/2024\/03\/pexels-karolina-grabowska-4498124-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Barry, the Legal Badger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szerz\u0151:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Barry, the Legal Badger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Becs\u00fclt olvas\u00e1si id\u0151\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 perc\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/legalbadger.org\\\/hu\\\/jogi\\\/polgari-jog\\\/kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/legalbadger.org\\\/hu\\\/jogi\\\/polgari-jog\\\/kolcsonszerzodes-romaniaban-mit-jelent-es-milyen-kockazatai-vannak\\\/\"},\"author\":{\"name\":\"Barry, the Legal Badger\",\"@id\":\"https:\\\/\\\/legalbadger.org\\\/#\\\/schema\\\/person\\\/552bceb796b6824c0c1f4dda1212e39f\"},\"headline\":\"K\u00f6lcs\u00f6nszerz\u0151d\u00e9s Rom\u00e1ni\u00e1ban &#8211; 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