Starting September 1, 2025, Hungary introduces the most favorable first-time buyer program in Europe
Are you dreaming of owning your first home in Hungary? The Hungarian government has just announced the groundbreaking
Otthon Start Program (Home Start Program), offering unprecedented opportunities for first-time homebuyers starting this September.
Why This Program Changes Everything
With market mortgage rates currently at 6.5-8%, the Otthon Start Program’s fixed 3% interest rate represents a revolutionary approach to homeownership. This isn’t just a temporary discount – it’s a 25-year commitment to affordable housing.
Key Benefits at a Glance
💰 Loan Amount: Up to 50 million HUF (€125,000)
📉 Interest Rate: Fixed 3% for the entire 25-year term
🏠 Down Payment: Only 10% required
📍 Location: Available anywhere in Hungary
👥 Eligibility: No marriage or children requirements
Who Can Apply?
- Age: 18 years and older (no upper limit)
- Residency: Hungarian citizens or foreign nationals with Hungarian address card
- Insurance: Minimum 2 years of Hungarian social insurance
- Property History: First-time buyers or those with minimal previous ownership
- Special Note: Workers commuting to neighboring countries are also eligible
Property Limits
- Apartments: Up to 100 million HUF
- Houses: Up to 150 million HUF
- Price Cap: Maximum 1.5 million HUF per square meter
Real Savings, Real Impact
Example: On a 25 million HUF loan over 25 years:
- Otthon Start: ~120,000 HUF monthly payment
- Market Rate: ~185,000 HUF monthly payment
- Your Savings: 65,000 HUF per month, nearly 1 million HUF annually!
Combine for Maximum Benefit
The program can be combined with other Hungarian housing schemes like CSOK Plusz, potentially giving families access to up to 100 million HUF in favorable financing.
Ready to Start Your Journey?
The Otthon Start Program launches September 1, 2025. Banks are already preparing, and demand is expected to be high. Don’t wait – start preparing your documentation now.
Contact our experienced real estate team today to learn how the Otthon Start Program can help you secure your dream home in Hungary.
Official Information: kormany.hu/startolj-ra