értékterhelések

értékterhelések refers to encumbrances or charges placed on a property, typically in Hungary. These are legal rights that limit the owner's ability to freely dispose of the property or affect its value. The most common type is a mortgage (jelzálogjog), used to secure a loan. When a mortgage is registered, the lender has a claim on the property, which can be enforced if the borrower defaults. Other types of értékterhelések can include usufruct (haszonélvezet), granting someone the right to use and benefit from the property, or a right of pre-emption (elővásárlási jog), which gives a designated person the first opportunity to purchase the property if it is sold.

These encumbrances are officially registered in the land registry (ingatlan-nyilvántartás). Their presence is crucial information for potential buyers, as they affect the property's marketability and the extent of the owner's rights. Removing an értékterhelés usually requires the consent of the party in whose favor it is registered or a court order. Understanding the nature and implications of any registered értékterhelések is a vital step in any property transaction in Hungary.