{"id":308,"date":"2025-10-01T11:06:09","date_gmt":"2025-10-01T09:06:09","guid":{"rendered":"https:\/\/riverspc.com\/blog\/?p=308"},"modified":"2025-11-04T09:06:06","modified_gmt":"2025-11-04T08:06:06","slug":"everything-you-need-to-know-about-the-home-start-program","status":"publish","type":"post","link":"https:\/\/riverspc.com\/blog\/en\/2025\/10\/01\/everything-you-need-to-know-about-the-home-start-program\/","title":{"rendered":"Everything you need to know about the Home Start program"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"308\" class=\"elementor elementor-308\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f88d08 e-flex e-con-boxed e-con e-parent\" data-id=\"2f88d08\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca18fc elementor-widget elementor-widget-image\" data-id=\"2ca18fc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"831\" src=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-1024x831.jpg\" class=\"attachment-large size-large wp-image-281\" alt=\"Boldog p\u00e1r \u00f6lelkezik \u00faj otthonuk konyh\u00e1j\u00e1ban az Otthon Start program seg\u00edts\u00e9g\u00e9vel.\" srcset=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-1024x831.jpg 1024w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-300x243.jpg 300w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-768x623.jpg 768w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-1536x1246.jpg 1536w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-2048x1662.jpg 2048w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/long-shot-couple-hugging-kitchen-min-15x12.jpg 15w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7351ba65 elementor-widget elementor-widget-text-editor\" data-id=\"7351ba65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Otthon Start program brings significant changes to the support options for first-time homebuyers starting in the summer of 2025. The most important update: even those who have previously owned residential property may now become eligible for the subsidized loan of up to 50 million forints with a fixed 3% interest rate \u2013 under certain conditions. As a real estate agency, we consider it important to help our clients navigate the new regulations and truly make their dream home achievable.<\/p><p><b>Can you receive the Otthon Start subsidy if you have already had a property in your name?<\/b><\/p><p>Yes, from 2025, the Otthon Start program does not automatically exclude those who have owned a home in the last 10 years. You may be eligible:<\/p><ul><li><p>if the value of the previous residential property located in an urban area did not exceed 15 million forints,<\/p><\/li><li><p>if you were only a partial owner (up to a maximum of 50%) of the property,<\/p><\/li><li><p>if the property was demolished or is encumbered by a usufruct right.<\/p><\/li><\/ul><p>A precise understanding of the conditions is crucial \u2013 we help our clients with this, step by step.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c76d9e1 e-flex e-con-boxed e-con e-parent\" data-id=\"c76d9e1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-662849c e-con-full e-flex e-con e-child\" data-id=\"662849c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c39f27c elementor-widget elementor-widget-text-editor\" data-id=\"c39f27c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>What are the conditions for obtaining the Otthon Start loan?<\/b><\/p><p>Under the program:<\/p><ul><li><p>a maximum loan of 50 million forints is available,<\/p><\/li><li><p>the interest rate is fixed: 3%,<\/p><\/li><li><p>the maximum term is 25 years,<\/p><\/li><li><p>a minimum down payment of 10% is required.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-401bc7c e-con-full e-flex e-con e-child\" data-id=\"401bc7c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1a3ba6 elementor-widget elementor-widget-image\" data-id=\"e1a3ba6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-1024x682.jpg\" class=\"attachment-large size-large wp-image-282\" alt=\"Fiatal p\u00e1r az Otthon Start hitel ig\u00e9nyl\u00e9s\u00e9hez sz\u00fcks\u00e9ges p\u00e9nz\u00fcgyeket \u00e9s dokumentumokat sz\u00e1molja \u00e1t laptop seg\u00edts\u00e9g\u00e9vel.\" srcset=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-1024x682.jpg 1024w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-300x200.jpg 300w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-768x512.jpg 768w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-1536x1024.jpg 1536w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/couple-managing-budget-together-kitchen-min-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6132d0 e-flex e-con-boxed e-con e-parent\" data-id=\"b6132d0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-958ed9f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"958ed9f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1149240 e-flex e-con-boxed e-con e-parent\" data-id=\"1149240\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0385076 e-con-full e-flex e-con e-child\" data-id=\"0385076\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff5dd6b elementor-widget elementor-widget-image\" data-id=\"ff5dd6b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-683x1024.jpg\" class=\"attachment-large size-large wp-image-283\" alt=\"Csal\u00e1di h\u00e1z modellje \u00e9s kulcsok a tervrajzon, amely az Otthon Start hitelb\u0151l t\u00f6rt\u00e9n\u0151 h\u00e1zv\u00e1s\u00e1rl\u00e1st szimboliz\u00e1lja.\" srcset=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-683x1024.jpg 683w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-200x300.jpg 200w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-768x1152.jpg 768w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-1024x1536.jpg 1024w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-1365x2048.jpg 1365w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-8x12.jpg 8w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/villa-house-model-key-drawing-retro-desktop-real-estate-sale-concept-min-scaled.jpg 1707w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4a1556 e-con-full e-flex e-con e-child\" data-id=\"a4a1556\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1d243e elementor-widget elementor-widget-text-editor\" data-id=\"b1d243e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Price limits regarding the property:<\/b><\/p><ul><li><p>the total price of an apartment cannot exceed 100 million forints, and for a house, it cannot exceed 150 million forints<\/p><\/li><li><p>the price per square meter can be a maximum of 1.5 million forints.<\/p><\/li><\/ul><p>It is important to note that the subsidy can only be used once, and the property purchased this way cannot be sold for 5 years.<\/p><p><b>What documents and certificates are needed to apply for the Otthon Start loan?<\/b><\/p><p>For the application, you will need:<\/p><ul><li><p>a title deed (property registration document) that verifies the details of a previous or current property,<\/p><\/li><li><p>a certificate of social security (TB) status (a minimum of 2 years is required),<\/p><\/li><li><p>a bank-issued income statement and a credit assessment.<\/p><\/li><\/ul><p>We help our clients compile the complete documentation in a timely and error-free manner \u2013 so they don&#8217;t miss out on the opportunity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bafbb9 e-flex e-con-boxed e-con e-parent\" data-id=\"1bafbb9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1bab81 elementor-widget elementor-widget-text-editor\" data-id=\"f1bab81\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Why is it worth buying a property now with the Otthon Start loan?<\/b><\/p><p>Due to the favorable, 3% fixed interest rate and the low down payment, purchasing a home has become much more accessible. For those who have already owned property but wish to make a change, or whose previous home ownership is no longer relevant, a new opportunity now arises. Due to increasing demand, timing is also crucial.<\/p><p>A reliable real estate agent not only finds the ideal property but also helps to:<\/p><ul><li><p>navigate the conditions of the subsidy,<\/p><\/li><li><p>pre-assess eligibility,<\/p><\/li><li><p>prepare for the legal and financial processes.<\/p><\/li><\/ul><p>In every case, our company supports the purchasing process with client-tailored advice \u2013 whether it&#8217;s for a first home or a new start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fb7d4a e-flex e-con-boxed e-con e-parent\" data-id=\"1fb7d4a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e746371 elementor-widget elementor-widget-image\" data-id=\"e746371\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-1024x683.jpg\" class=\"attachment-large size-large wp-image-285\" alt=\"Egy k\u00e9z az Otthon Start programmal v\u00e1s\u00e1rolt \u00faj \u00e9p\u00edt\u00e9s\u0171 lak\u00e1s kulcs\u00e1t tartja a magasba az \u00e9p\u00fclet el\u0151tt.\" srcset=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-1024x683.jpg 1024w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-300x200.jpg 300w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-768x512.jpg 768w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-1536x1024.jpg 1536w, https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/09\/hand-holding-key-outdoors-min-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bbd301 e-flex e-con-boxed e-con e-parent\" data-id=\"2bbd301\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c605ed5 elementor-widget elementor-widget-text-editor\" data-id=\"c605ed5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Otthon Start program offers a real chance to those who have, until now, only dreamed of creating a home. If you would also like to take advantage of this new opportunity, contact us with confidence \u2013 with our expertise and client-focused approach, we work to bring your dream home within reach.<\/p><p>Budai Attila<br \/><img decoding=\"async\" class=\"an1\" draggable=\"false\" src=\"https:\/\/fonts.gstatic.com\/s\/e\/notoemoji\/16.0\/1f4e9\/32.png\" alt=\"\ud83d\udce9\" data-emoji=\"\ud83d\udce9\" aria-label=\"\ud83d\udce9\" \/>\u00a0<a href=\"mailto:budai@riverspc.com\" target=\"_blank\" rel=\"noopener\">budai@riverspc.com<\/a><br \/><img decoding=\"async\" class=\"an1\" draggable=\"false\" src=\"https:\/\/fonts.gstatic.com\/s\/e\/notoemoji\/16.0\/1f4de\/32.png\" alt=\"\ud83d\udcde\" data-emoji=\"\ud83d\udcde\" aria-label=\"\ud83d\udcde\" \/>\u00a0+36 70 428 0350<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95d7ad8 e-flex e-con-boxed e-con e-parent\" data-id=\"95d7ad8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The Otthon Start program brings significant changes to the support options for first-time homebuyers starting in the summer of 2025. The most important update: even those who have previously owned residential property may now become eligible for the subsidized loan of up to 50 million forints with a fixed 3% interest rate \u2013 under certain [&hellip;]<\/p>","protected":false},"author":2,"featured_media":373,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[10],"tags":[],"class_list":["post-308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kategoria-nelkuli-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Everything you need to know about the Home Start program - Riverspc Blog_EN<\/title>\n<meta name=\"description\" content=\"Learn everything about the Otthon Start program launching in 2025! A loan of up to 50 million HUF with a fixed 3% interest rate, available not just for first-time homebuyers. Discover the conditions, the required down payment, and the necessary documents!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/riverspc.com\/blog\/en\/2025\/10\/01\/everything-you-need-to-know-about-the-home-start-program\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything you need to know about the Home Start program - Riverspc Blog_EN\" \/>\n<meta property=\"og:description\" content=\"Learn everything about the Otthon Start program launching in 2025! A loan of up to 50 million HUF with a fixed 3% interest rate, available not just for first-time homebuyers. 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