Hungarian Gazette 2025/89
Summary
The government decree on the FIX 3% housing loan introduced under the Otthon Start programme regulates the state-subsidised loan programme facilitating the acquisition of a first home by young people, which provides a forint-based loan of up to 50 million forints at a fixed interest rate of 3%, with a maximum term of 25 years, for the purchase or construction of a flat or a single-dwelling residential building. A condition for the use of the programme is that the applicant shall not have held ownership of a built-up area residential property in their own name during the ten years preceding the submission of the application, and the benefit may be used only once by the same person. The interest subsidy is provided by the central budget in the form of state support for housing purposes.
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HUNGARIAN OFFICIAL GAZETTE · Issue 89 of 2025
III. Government Decrees
Government Decree No. 227/2025. (VII. 31.) on the FIX 3% Home Loan provided within the framework of the Otthon Start Programme
[1] In Hungary, we give everyone the opportunity to obtain their own home if they wish to do so.
[2] The purpose of the Otthon Start programme is to support young people in acquiring their first home.
[3] The Otthon Start programme is a home loan with a fixed 3% interest rate. It can be taken out for a maximum amount of HUF 50 million, provides a fixed interest rate of 3%, for a maximum period of 25 years.
[4] Thanks to the FIX 3% programme, the first own home is no longer just a dream.
[5] Acting within its original legislative authority as defined in Article 15(3) of the Fundamental Law and within its scope of duties as defined in Article 15(1) of the Fundamental Law, the Government hereby orders the following:
1. Basic Provisions
1.§ (1) The purpose of this Decree is to support the possibility of securing a first adequate home.
(2) The applicant may, from the central budget and under the conditions set out in this Decree, participate in the state-subsidised loan programme provided for in this Decree for the construction or purchase of a dwelling, single-family residential building, farmstead or estate centre (hereinafter collectively: home) located within the built-up area of Hungary, and may avail themselves of an interest subsidy — as a state housing support — towards the payment of interest on the loan.…