"Are you lonely? Missing a family?- Maganyos vagy? Kene egy csalad?"

"Are you lonely? Missing a family?"

Buy one for yourself!
It is the newest advertisement of our bank.
This past week my husband had an interview with our bank about our loan.
The bank said that because of the financial crises they own several properties themselves and instead of giving a loan to buy an apartment from someone else the bank itself offers and did offer an apartment for us.
Just to make it clear, they said if we buy an apartment we would have to pay 30% of the full price at once and then later they pay the rest. Well, we don't have 10000 euros just at home (well, we don't have that much of money anywhere else either). So, we decided by the other offer which is that the bank finds an apartment for us and then we pay 10% of the full price (actually we don't even have that much of money, but previously they offered that you can have another loan to pay the first payment from it) and then they pay the rest.
Ok, this is too much of explanation I don't know how many of you will read it anyways.
So, they sent the papers and some photos of the apartment. We checked out the photos and found out that actually the family, who owns the apartment still lives there. So, my husband is keep reading the contract:
in brackets, last sentence says: "The bank is not responsible if the previous owner will not open the door for you"
WHAAAAAAAAAT?
Oh, yeah financial crises- so the bank is selling out those apartments, whose owner is not able to pay the rent anymore. So, you can buy it, but since the previous owner does not have anything and nowhere to go, will not leave his apartment (Why on earth he would even leave it? And the bank will not do anything with them because that is not their job. They just sell the house over their head, but that is not their problem if you yourself will not be able to move in.) then you can yourself own the apartment and if you are lucky then maybe you can move into the little room (if they let you move in or if they open the door for you FOR THE NEW OWNER OF THEIR, YOUR APARTMENT, but most likely will not happen.
Is it clear for everyone, what I wrote here?
This is pretty much the grossest legal business that I've ever heard.

"Maganyos vagy? Kene egy csalad?"
Hat vegyel egyet magadnak!
A legujabb reklam szlogenje a bankunknak mint sikerult a heten kideritenunk.
A lakasberlesi szerzodesunk jovo honapban lejar, meg van kb egy hetunk, amig a tulaj jon es keri a valaszt, hogy maradunk vagy megyunk. Ha maradunk az megint legalabb 6 havi szerzodessel jar, tehat elkotelezzuk magunkat, hogy meg 6 honapig itt rothadunk a hidegben, ha alairjuk,de hamarabb elmennenk mint 6 honap akkor elveszitjuk egy havi bert, ami 80ezer forint kb.
Szoval nem olyan egyszeru jatek.
Ok, tehat vegre sikerult a varva vart interju a bankkal, hogy kideritsuk, hogy hogyan vehetunk fel hitelt egy lakasra.
A gazdasagi valsag miatt a bank ugy ad hitelt, hogy ha hazat, lakast veszel akkor 30%-at kell befizetned keszpenzkent, ami kb 10000 euro, 2,5millio forint, de a bank eloallt egy csillogo ajanlattal, mint a cimben le is van irva.
Ok maguk talalnak neked lakast es csak 10%at kell befizetni elore es maris a tied, mivel ok ugye fizetik a tobbit es a reszleteket meg majd te fizeted kesobb.
El is kuldtek nekunk a lakasrol a fenykepet es a szerzodest. Megnezegettuk a fenykepeket, farmer nadragok szaradnak a furdoszobaban, kis kanari madar kalitka a nagyszobaban, persze foldszinti lakas es regi ablakok vannak benne. Na, de ugye mindent nem lehet egyszerre, legalabb 2 szobas. Aztan a ferjem tovabb olvassa a szerzodesi reszleteket.
Zarojeles kisbetus resz: " A bank nem vallal felelosseget, amennyiben az elozo tulajdonos nem nyit ajtot"
MICSODA??????????? Nem nyit ajtot?????????????
Ja gazdasagi valsag= olcso lakas
Tehat a bank eladja azokat a lakasokat, akiknek a tulajdonosai nem kepesek tobbe fizetni a kolcsonuk reszleteit. Tehat nincs mibol, nincs semmijuk sem. Tehat ha megvesszuk a lakast, esetleg mi is odakoltozhetunk mellejuk, ha mar voltunk olyan kedvesek, hogy kifizettuk nekik a hatralekukat. Arrol nem is beszelve, hogy ha futest, vizet, gazt stb szeretnenk hasznalni akkor valoszinuleg annak a hatralekait is ki kellene fizetnunk.
Emberek en meg ilyen gusztustalan dolgot eletemben nem hallottam es mind ezt tok hivatalosan teszi a bank. Persze oket az mar nem erdekli, hogy te ebben az eletben nem lennel kepes bekoltozni abba a lakasba hiszen a regi tulaj nem hagyna el, mert hat hova koltozne ki a parkba telen.
Na, de szerencse a szerencsetlensegben penteken a radio bemondta, hogy a kormany fontolgatja, hogy megtiltja a bankoknak azon lakasok eladasat, akiknek a tulajdonosai nem kepesek fizetni a gazdasagi valsag miatt legalabb 2-3 evig.
Hurraaaaa szerencsetlen emberek maradhatnak a lakasukban legalabb telre!!!
es hurraaaa mi meg maradunk tovabbra is lakas nelkul azaz alberletben.



This house costs 21500 lats which is about 40000 USD
oh, don't ever think that the whole house only just two rooms.
Ezt a kepet egy masik hazrol csinaltuk, ami kb 8millio 600ezer forint, ja de nem az egesz haz, csak 2 szoba, kb 44m2.