1. Otthon Start: 3% Fixed-Rate Mortgage Loan

Loan details:

3% fixed interest for up to 25 years
Maximum HUF 50 million loan amount
Minimum 10% down payment (50% if the property price exceeds HUF 100 million)
Source: Bankmonitor.hu, Bank360.hu

General requirements:

First-time homebuyer
At least 18 years old
2 years of Hungarian social security contributions (TB)
No debts or criminal record
Official registered address in Hungary (lakcím)
Source:  K&H Bank

For foreigners with permanent residence:

Third-country nationals with long-term resident status or permanent settlement permit can apply under the same rules as Hungarian citizens.
Must work in Hungary to have valid TB status.
Sources: Money.hu, VAOL.hu

How to apply:

Apply through participating commercial banks or the Hungarian Development Bank (MFB).
Documents: residence permit, address card, TB certificate, purchase contract or building plans, proof of income.

2. CSOK Plusz: Family Subsidy + Low-Interest Loan

Program details:

Combines a subsidized mortgage (up to HUF 50M) with cash grants per child.
Maximum interest rate ~3%
Example: HUF 10M of debt forgiven per new child born after signing.
Exemption from property acquisition tax.
Sources: Portfolio.hu, Bankmonitor.hu
 

General requirements:

Only for married couples (no unmarried couples or singles)
The wife must be under 41 years old (exceptions for advanced pregnancy)
Commitment to have at least one additional child
2 years of TB contributions, no debts, clean credit history (KHR)
Sources: Raiffeisen Bank
 

For foreigners with permanent residence:

Eligible on the same terms if they meet the family and residency requirements.
Documents: residence & address cards, marriage certificate, children’s birth certificates, TB proof, purchase/building documents.
 

3. Key Requirements for Third-Country Nationals

Permanent residence permit & official address in Hungary (lakcím).
Minimum 2 years TB contributions (social security).
Complete documentation: passport, residence permit, address card, tax ID, marriage/birth certificates if applicable, property documents.
Hungarian employment proof — especially important for Otthon Start.
 

4. Conclusion: Your Opportunity to Own a Home in Hungary

If you have permanent residence, both Otthon Start and CSOK Plusz offer excellent, low-interest options to buy or build your dream home in Hungary. These programs are fully available to foreigners who meet the criteria — don’t miss your chance!
 

Tip: Always check the latest rules at your bank and be ready with all documents before applying to speed up approval.
 

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