{"id":55480,"date":"2017-11-07T11:13:35","date_gmt":"2017-11-07T10:13:35","guid":{"rendered":"https:\/\/www.nzp.de\/?p=55480"},"modified":"2026-08-07T11:15:48","modified_gmt":"2026-08-07T09:15:48","slug":"a-real-solution-for-foreign-currency-loan-borrowers-instead-of-walking-away-foreign-personal-insolvency","status":"publish","type":"post","link":"https:\/\/www.nzp.de\/hun\/valodi-megoldas-a-devizahitel-felvevok-szamara-a-hitel-elhagyasa-helyett-kulfoldi-magancsod\/","title":{"rendered":"Els\u00e9t\u00e1l\u00e1s helyett val\u00f3s megold\u00e1s a devizahiteleseknek: k\u00fclf\u00f6ldi mag\u00e1ncs\u0151d"},"content":{"rendered":"<p>A magyar ad\u00f3ss\u00e1gcsapd\u00e1b\u00f3l t\u00f6rt\u00e9n\u0151 kiker\u00fcl\u00e9s els\u0151 l\u00e9p\u00e9se, hogy ker\u00fclj\u00fcnk ki a magyar joghat\u00f3s\u00e1g al\u00f3l.<br \/>\nAz Index.hu has\u00e1bjain a mai nap megjelent cikk szerint a Magyar Id\u0151knek nyilatkoz\u00f3 Schadl Gy\u00f6rgy, a Magyar B\u00edr\u00f3s\u00e1gi V\u00e9grehajt\u00f3i Kar eln\u00f6ke v\u00e9lem\u00e9nye az, hogy a tengerent\u00falon m\u00e1r bev\u00e1lt \u00fan. \u201cels\u00e9t\u00e1l\u00e1s\u201d int\u00e9zm\u00e9ny\u00e9nek bevezet\u00e9se oldhatn\u00e1 meg sz\u00e1mos devizahiteles probl\u00e9m\u00e1j\u00e1t. E szerint amennyiben az ad\u00f3s minden vagyont\u00e1rgy\u00e1t \u00e9rt\u00e9kes\u00edtik, akkor \u2013 bizonyos felt\u00e9telek egy\u00fcttes fenn\u00e1ll\u00e1sa eset\u00e9n \u2013 mentes\u00fclne a fennmarad\u00f3 tartoz\u00e1sa al\u00f3l.<\/p>\n<p>Re\u00e1lis probl\u00e9ma ugyanis Magyarorsz\u00e1gon, hogy minden ing\u00f3 \u00e9s ingatlanvagyon \u00e1rverez\u00e9se ut\u00e1n is t\u00f6bb t\u00edzmilli\u00f3s tartoz\u00e1s marad a devizak\u00e1rosultak (vagy m\u00e1s ad\u00f3sok) nyak\u00e1n, akik \u00edgy \u00e9let\u00fck h\u00e1tral\u00e9v\u0151 r\u00e9sz\u00e9ben ad\u00f3ss\u00e1gcsapd\u00e1ba ker\u00fclnek. A magyar b\u00edr\u00f3s\u00e1gi v\u00e9grehajt\u00e1si t\u00f6rv\u00e9ny pedig sokszor gyakorlatilag hajl\u00e9ktalans\u00e1gba k\u00e9nyszer\u00edti a v\u00e9grehajt\u00e1s al\u00e1 vont ad\u00f3sokat. A magyar jogalkot\u00f3 szerint ugyanis adott esetben a mindenkori \u00f6regs\u00e9gi nyugd\u00edj legkisebb m\u00e9rt\u00e9kig is le lehet tiltani az ad\u00f3s valamennyi bev\u00e9tel\u00e9t. El\u0151fordulhat teh\u00e1t, hogy a jogalkot\u00f3 szerint egy magyar embernek havi 28.500 Ft-b\u00f3l kellene meg\u00e9lnie. A jelenleg megl\u00e9v\u0151 magyar \u201cmag\u00e1ncs\u0151d\u201d int\u00e9zm\u00e9nye pedig semmilyen \u00e9rdemi seg\u00edts\u00e9get nem ny\u00fajt az ad\u00f3ss\u00e1gsprir\u00e1lban l\u00e9v\u0151knek.<\/p>\n<p>A magyar jogszab\u00e1lyok teh\u00e1t olyan nevets\u00e9gesen alacsony \u00f6sszegeket hagynak az ad\u00f3sok kez\u00e9ben, amely alapj\u00e1n az \u00fajrakezd\u00e9s lehet\u0151s\u00e9ge gyakorlatilag a null\u00e1val egyenl\u0151. Mindez \u2013 amellett, hogy s\u00falyos alkotm\u00e1nyoss\u00e1gi agg\u00e1lyokat is felvet \u2013 csak konzerv\u00e1lja \u00e9s m\u00e9ly\u00edti az ad\u00f3ss\u00e1gcsapd\u00e1t. Ahelyett pedig, hogy igyekezne visszavezetni az ad\u00f3sokat a piacra, v\u00e9gk\u00e9pp kivonja \u0151ket a termel\u00e9sb\u0151l. \u00cdgy nemhogy a hitelez\u0151 nem jut hozz\u00e1 az \u0151t megillet\u0151 \u00f6sszeg t\u00f6red\u00e9k\u00e9hez sem, de az ad\u00f3st szem\u00e9lyesen is v\u00e9g\u00e9rv\u00e9nyesen t\u00f6nkreteszik.<\/p>\n<p>Ezen a helyzeten viszont m\u00e1r a jelenleg megl\u00e9v\u0151 szab\u00e1lyoz\u00e1s mellett is van lehet\u0151s\u00e9g v\u00e1ltoztatni, m\u00e9gpedig an\u00e9lk\u00fcl, hogy a magyar jogalkot\u00f3 kegy\u00e9nek lenne kiszolg\u00e1ltatva az ad\u00f3s.<\/p>\n<p>Az Eur\u00f3pai Uni\u00f3 ugyanis rendeleti szinten rendelkezett a fizet\u00e9sk\u00e9ptelens\u00e9gi elj\u00e1r\u00e1sokr\u00f3l, amely Magyarorsz\u00e1gra is k\u00f6telez\u0151 \u00e9rv\u00e9ny\u0171. Magyar \u00e1llampolg\u00e1r ad\u00f3soknak is megvan teh\u00e1t a lehet\u0151s\u00e9ge arra, hogy ig\u00e9nybe vegye a k\u00fclf\u00f6ldi jog szerinti cs\u0151dv\u00e9delmi lehet\u0151s\u00e9geket. Ez azt jelenti, hogy a magyar szab\u00e1lyoz\u00e1ssal ellent\u00e9tben<\/p>\n<p>\u2022  A magyar v\u00e9grehajt\u00e1si elj\u00e1r\u00e1s azonnal megsz\u00fcntethet\u0151;<br \/>\n\u2022  az elj\u00e1r\u00e1s egyetlen, megold\u00e1sorient\u00e1lt k\u00fclf\u00f6ldi cs\u0151dbiztos el\u0151tt \u00f6sszpontos\u00edthat\u00f3;<br \/>\n\u2022  a teljes ad\u00f3ss\u00e1gmentess\u00e9g ak\u00e1r az 0% t\u00f6rleszt\u00e9si m\u00f3d mellett is lehets\u00e9ges lehet;<br \/>\n\u2022  m\u00e9g v\u00e9grehajt\u00e1si vagy fizet\u00e9sk\u00e9ptelens\u00e9gi elj\u00e1r\u00e1s sor\u00e1n is el\u0151fordulhat, hogy t\u00f6bb ezer eur\u00f3 \u00f6sszeg\u0171 j\u00f6vedelem mentes\u00fcl a v\u00e9grehajt\u00e1s al\u00f3l;<br \/>\n\u2022  minden tartoz\u00e1s n\u00e9h\u00e1ny h\u00f3napon bel\u00fcl v\u00e9glegesen rendezhet\u0151;<br \/>\n\u2022  az ad\u00f3ss\u00e1gmentess\u00e9g hat\u00e1lya Magyarorsz\u00e1gon is \u00e9rv\u00e9nyes.<\/p>\n<p>Egy k\u00fclf\u00f6ldi mag\u00e1ncs\u0151d v\u00e9ghezvitel\u00e9t k\u00f6vet\u0151en teh\u00e1t valamennyi magyarorsz\u00e1gi tartoz\u00e1sa is v\u00e9g\u00e9rv\u00e9nyesen megsz\u0171nhet.<\/p>\n<p>L\u00e1that\u00f3 teh\u00e1t, hogy m\u00e1r jelenleg is van megold\u00e1s az ad\u00f3ss\u00e1gcsapd\u00e1b\u00f3l t\u00f6rt\u00e9n\u0151 kit\u00f6r\u00e9sre.<\/p>\n<p>Ha felkeltett\u00fck az \u00e9rdekl\u0151d\u00e9s\u00e9t, k\u00e9rj\u00fck, forduljon hozz\u00e1nk bizalommal a tov\u00e1bbi r\u00e9szletek\u00e9rt.<\/p>","protected":false},"excerpt":{"rendered":"<p>The first step in escaping the Hungarian debt trap is to move outside Hungarian jurisdiction. According to an article published today on Index.hu, Gy\u00f6rgy Schadl, President of the Hungarian Chamber of Judicial Officers, stated to Magyar Id\u0151k that the introduction of the so-called \u201cwalk-away\u201d mechanism, already used overseas, could solve the problems of many foreign-currency [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":55481,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"class_list":["post-55480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"The first step in escaping the Hungarian debt trap is to move outside Hungarian jurisdiction. According to an article published today on Index.hu, Gy\u00f6rgy Schadl, President of the Hungarian Chamber of Judicial Officers, stated to Magyar Id\u0151k that the introduction of the so-called \u201cwalk-away\u201d mechanism, already used overseas, could solve the problems of many foreign-currency\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Vajk Varai-Jeges\"\/>\n\t<meta name=\"google-site-verification\" content=\"0ZCEmvP3Jss6hqLOqbcJenXmykbTzE02xFLyiDZx5i8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.nzp.de\/hun\/valodi-megoldas-a-devizahitel-felvevok-szamara-a-hitel-elhagyasa-helyett-kulfoldi-magancsod\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<script type=\"application\/ld+json\" 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