Home Start 3% home loan

Home Start: 3% home loan

Our firm's expert lawyers provide full legal support in preparing the purchase contract for real estate purchased under the FIX 3% home loan .

We ensure that the contract complies with all banking and legal requirements, so you can focus on taking possession of your new home.

Fast and smooth administration Complete legal security Personalized customer support.

Contact us today and we will help you make your dream home yours safely!

Detailed information...

Available property and loan purposes

• The loan can be used for the purchase or construction of an urban apartment , a single-family residential building , a farm or an estate center .

• Must be classified as residential property – a holiday home, weekend home, or resort does not qualify , even if suitable for permanent residence

  
  

Loan amount, term and interest rate

• Maximum loan amount : HUF 50,000,000

• Term : maximum 25 years

• Interest rate : fixed, maximum 3% per annum over the entire term

  
  

Property value and square footage limits

• Gross 1,500,000 HUF/m² square meter price ceiling

• It is also possible to purchase used residential property if it meets the other conditions. (In the case of new construction, the permit must be issued after January 1, 2022.)

• The purchase price or cost may differ by ±20% from the appraiser's market value.

  
  

Personal entitlement

• The applicant is a Hungarian citizen , or a third-country national from an EEA country or a stateless person with an appropriate residence permit . Mortgage and mortgage loan

• No criminal record , no public debt (≦ HUF 5,000 may remain)

• At least 2 years of legal status with the Social Security Administration (TB ) are required, even if it is from a foreign country (neighboring country), as long as you have a Hungarian address; at least the same number of Hungarian legal status must be maintained in the last 180 days

  
  

Criteria for a first home

• You may not have owned an inner-city residential property within 10 years, unless:

  • value ≤ 15 million HUF,

  • demolished,

  • burdened with a benefit, or

  • ownership share ≤ 50% (even in one property).

    
    
    
    

• If, when involving a co-debtor, it is sufficient for only one half of the claimant or co-debtor to meet this criterion.

  
  

Co-debtor and acquisition of property

• A co-debtor can only be a spouse or a parent ; in the case of a married couple, both can be included.

• If the co-debtor is a parent, he/she does not need to acquire ownership of the property. Mortgage and mortgage loan

• The property acquired from the loan can be rented out .

  
  

Self-sufficiency and costs

• Minimum equity : at least 10% (relative to the market value). However, the bank may have different internal rules.

• Additional fees: loan assessment/disbursement max. HUF 30,000 , plus valuation and on-site inspection costs. Mortgage and mortgage loan

• Prepayment fee : maximum 1% of the prepaid capital.

  
  

Application process and deadlines

• Claim start date : September 1, 2025.

• Contract submission : for purchases, within 180 days after signing the purchase contract; for construction, before the occupancy permit. Mortgage and mortgage loan

• Bank approval : for purchases max. 30 days, for construction max. 60 days. Mortgage and mortgage loan

  
  

Compatibility and further information

• The loan can be combined with : CSOK Plusz or Falusi CSOK support, but only one other loan can be taken out at the same time . (Modification: August 25, 2025) BiztoDöntés+1

• The loan does not include any non-refundable subsidy (only interest subsidy). Duty exemption is only possible in combination with CSOK.

• The interest subsidy ceases if: the property is alienated , demolished (except in the event of a natural disaster), encumbered with a usufruct or right of use , or used for non-residential purposes .

  
  

Structured tabular summary

Item	Details
Loan amount	≤ HUF 50 million
Term	≤ 25 years
Interest	Fixed, max. 3%/year
Pre-min. self-sufficiency	≥ 10% (may vary based on bank assessment)
Property type	Apartment, single-family house, farm, estate center (residential property)
Value and nm limit	≤ 100 M HUF apartment, ≤ 150 M HUF house; ≤ 1.5 M HUF/m²
Personal condition	18+, Hungarian or EEA/stateless, no criminal record, no public debt, TB legal status
Exceptions to the prohibition of ownership	≤ 15 M HUF, demolished, usufructuary, ≤ 50% ownership (separate unit)
Co-debtor	Spouse or parent (only them!)
Rental	Possible in the property
Start of claim	September 1, 2025
Evaluation deadline	Purchase: 30 days; Construction: 60 days
Combinability	CSOK Plusz or Falusi CSOK (another subsidized loan)
Cases of interest deduction	Alienation, demolition, right of use/usufruct, non-residential purpose

✍Author:

Dr. Gábor Major is a tax attorney and member of the Budapest Bar Association, specializing in corporate taxation, international tax structuring and tax authority representation. He advises domestic and foreign companies on Hungarian tax matters and provides strategic legal support in cross-border tax issues.