{"id":428,"date":"2025-12-17T11:26:42","date_gmt":"2025-12-17T10:26:42","guid":{"rendered":"https:\/\/riverspc.com\/blog\/?p=428"},"modified":"2025-12-17T11:27:39","modified_gmt":"2025-12-17T10:27:39","slug":"2025-vs-2021-why-is-this-real-estate-boom-different","status":"publish","type":"post","link":"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/","title":{"rendered":"2025 vs 2021: Why is this real estate boom different?"},"content":{"rendered":"
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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n 2025 vs 2021: Why is this Real Estate Boom Different?<\/title>\r\n <style>\r\n \/* Exact same styling as the Hungarian version *\/\r\n * { margin: 0; padding: 0; box-sizing: border-box; }\r\n body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; line-height: 1.7; color: #333; background: #ffffff; }\r\n .blog-container { max-width: 900px; margin: 0 auto; padding: 60px 20px; }\r\n .hero-section { margin-bottom: 50px; padding-bottom: 30px; border-bottom: 1px solid #e0e0e0; }\r\n .content-image { width: 100%; height: auto; margin: 30px 0; border-radius: 4px; }\r\n .image-caption { text-align: center; font-size: 0.9em; color: #777; font-style: italic; margin-top: 10px; }\r\n .hero-subtitle { font-size: 1.15em; color: #555; margin-bottom: 25px; line-height: 1.6; }\r\n .highlight-box { background: #f8f9fa; padding: 25px; border-left: 3px solid #7da5c4; margin-top: 20px; font-size: 1.05em; }\r\n .highlight-box strong { color: #1e3a52; }\r\n .content-section { padding: 0; }\r\n h2 { color: #1e3a52; font-size: 1.8em; font-weight: 600; margin: 50px 0 25px 0; padding-bottom: 12px; border-bottom: 2px solid #7da5c4; }\r\n h3 { color: #2c4a62; font-size: 1.4em; font-weight: 600; margin: 35px 0 18px 0; }\r\n p { margin-bottom: 18px; font-size: 1.05em; color: #444; line-height: 1.8; }\r\n .stats-box { background: #f8f9fa; border-left: 3px solid #7da5c4; padding: 30px; margin: 35px 0; }\r\n .stats-box h3 { margin-top: 0; margin-bottom: 20px; color: #1e3a52; }\r\n .category-cards { display: grid; gap: 20px; margin: 35px 0; }\r\n .category-card { background: #ffffff; border: 1px solid #e0e0e0; padding: 25px; transition: all 0.2s ease; }\r\n .category-card:hover { box-shadow: 0 2px 12px rgba(30, 58, 82, 0.08); }\r\n .category-card h4 { color: #1e3a52; font-size: 1.2em; font-weight: 600; margin-bottom: 15px; }\r\n .category-card.top { border-left: 3px solid #7da5c4; }\r\n .category-card.middle { border-left: 3px solid #e0a800; }\r\n .category-card.bottom { border-left: 3px solid #28a745; }\r\n .info-boxes { display: grid; grid-template-columns: 1fr 1fr; gap: 25px; margin: 40px 0; }\r\n .info-box { background: #f8f9fa; padding: 30px; border-top: 3px solid #7da5c4; }\r\n .info-box h3 { color: #1e3a52; margin-top: 0; margin-bottom: 18px; font-size: 1.3em; }\r\n .conclusion { background: #1e3a52; color: white; padding: 40px; margin: 50px 0; text-align: center; }\r\n .conclusion p { font-size: 1.25em; font-weight: 500; margin: 0; color: white; line-height: 1.6; }\r\n .author-section { background: #f8f9fa; padding: 30px; margin-top: 50px; border-top: 2px solid #7da5c4; }\r\n .author-section h4 { color: #1e3a52; margin-bottom: 15px; font-size: 1.2em; font-weight: 600; }\r\n .contact-info { display: flex; flex-direction: column; gap: 10px; margin-top: 15px; }\r\n .contact-item { display: flex; align-items: center; gap: 10px; color: #555; font-size: 1.05em; }\r\n .contact-item a { color: #7da5c4; text-decoration: none; font-weight: 500; transition: color 0.2s ease; }\r\n .contact-item a:hover { color: #1e3a52; }\r\n .emphasis { color: #1e3a52; font-weight: 600; }\r\n .source-text { font-size: 0.85em; color: #888; margin-top: 20px; border-top: 1px solid #eee; padding-top: 10px; }\r\n @media (max-width: 768px) { .blog-container { padding: 40px 20px; } .info-boxes { grid-template-columns: 1fr; } h2 { font-size: 1.5em; } }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <div class=\"blog-container\">\r\n <div class=\"hero-section\">\r\n <h1 style=\"color: #1e3a52; margin-bottom: 20px;\">Why is the 2025 Boom Different from 2021?<\/h1>\r\n <p class=\"hero-subtitle\">Two years ago, the MNB (Central Bank) base rate was still 18%. Today, it stands at 6.5%. But the real turning point came in September.<\/p>\r\n <div class=\"highlight-box\">\r\n From September 2025, under the <strong>\"Otthon Start\" (Home Start) Program<\/strong>, a <span class=\"emphasis\">fixed 3% interest rate<\/span> is available for 25 years for first-time homebuyers. This has fundamentally reshaped the playing field.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"content-section\">\r\n <div class=\"stats-box\">\r\n <h3>The Market's Response? Explosion.<\/h3>\r\n <p>The numbers speak for themselves. According to market surveys, the demand index <strong>jumped to 110 points<\/strong> in August, marking a <span class=\"emphasis\">13-year high<\/span>.<\/p>\r\n <p>In the first two weeks of the launch, <strong>1,000 loan applications arrived daily<\/strong>, and overall mortgage demand increased tenfold. The number of property viewings grew by 16.6% in August. The appetite for buying has clearly returned.<\/p>\r\n <\/div>\r\n \r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Handshake and contract signing\" class=\"content-image\">\r\n <p class=\"image-caption\">Traffic is back, but the rules have changed<\/p>\r\n \r\n <h2>Something is Different: The Crucial Difference<\/h2>\r\n <p>In 2021, no one asked, \"Is this property overpriced?\" Buyers competed for properties, often bidding above the asking price. Now? Even with a 3% loan, they negotiate.<\/p>\r\n \r\n <div class=\"category-cards\">\r\n <div class=\"category-card top\">\r\n <h4>2021: FOMO-Driven Fever<\/h4>\r\n <p>Everyone was afraid of missing out. <em>\"Buy it now, it will be more expensive tomorrow.\"<\/em> The market was characterized by emotional, panic-like buying. Technical condition was secondary; ownership was all that mattered.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card bottom\">\r\n <h4>2025: Subsidy-Driven Caution<\/h4>\r\n <p>Many are buying because ownership is finally accessible, but not blindly. They visit five to ten apartments, not just two or three. They compare. <strong>Energy rating<\/strong> has become a basic requirement. Creditworthiness is clarified in advance. And most importantly: <strong>they negotiate<\/strong>.<\/p>\r\n <\/div>\r\n \r\n <div class=\"category-card middle\">\r\n <h4>Why Caution with a 3% Loan?<\/h4>\r\n <p>Buyers haven't forgotten 2022-23. They saw prices drop by <span class=\"emphasis\">20-30%<\/span>. They saw those who bought at the 2021 peak realize losses. They fear the scenario will repeat itself and don't want to be \"tricked.\"<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <h2>Sellers' Perspective vs. Reality<\/h2>\r\n \r\n <div class=\"info-boxes\">\r\n <div class=\"info-box\">\r\n <h3>What Sellers Think<\/h3>\r\n <p>Many still consider 2021 prices realistic and are even asking for more due to the Otthon Start program. The logic is often: <em>\"The 3% loan is here, so I should raise the price because buyers will buy anyway.\"<\/em><\/p>\r\n <\/div>\r\n \r\n <div class=\"info-box\">\r\n <h3>What Actually Happens<\/h3>\r\n <p>It doesn't work that way. Realistically priced properties sell <strong>within 2-6 weeks<\/strong>; sales times are indeed shortening. However, overpriced properties remain on the market for months, even in this \"boom.\"<\/p>\r\n <\/div>\r\n <\/div>\r\n \r\n <p>Expert estimates suggest Otthon Start could bring a 10-20% price increase within a year, but buyers do not want to buy overpriced properties right at the beginning of the rise.<\/p>\r\n\r\n <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-8d04cb21cd6c?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80\" alt=\"Real estate analysis\" class=\"content-image\">\r\n \r\n <div class=\"conclusion\">\r\n <p>The market is functional and lively. In October, \"Otthon Start\" contracts worth nearly <strong>170 billion HUF<\/strong> were signed.<br><br>\r\n However, buyers are more cautious and conscious. The interest rate cut brought back the traffic, but not the fever.<br><strong>Perhaps this is for the best.<\/strong><\/p>\r\n <\/div>\r\n \r\n <div class=\"author-section\">\r\n <h4>Author<\/h4>\r\n <p><strong>Budai Attila<\/strong><br>Rivers Property Consultants<\/p>\r\n <div class=\"contact-info\">\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udce7<\/span>\r\n <a href=\"mailto:budai@riverspc.com\">budai@riverspc.com<\/a>\r\n <\/div>\r\n <div class=\"contact-item\">\r\n <span>\ud83d\udcf1<\/span>\r\n <a href=\"tel:+36704280350\">+36 70 428 0350<\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"source-text\">\r\n Sources: MNB (Jan 28, 2025), market and professional reports (Aug-Nov 2025), real estate surveys.\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/body>\r\n<\/html>\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\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>2025 vs 2021: Why is this Real Estate Boom Different? Why is the 2025 Boom Different from 2021? Two years ago, the MNB (Central Bank) base rate was still 18%. Today, it stands at 6.5%. But the real turning point came in September. From September 2025, under the „Otthon Start” (Home Start) Program, a fixed […]<\/p>","protected":false},"author":2,"featured_media":426,"comment_status":"open","ping_status":"open","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-428","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>2025 vs 2021: Why is this real estate boom different? - Riverspc Blog_EN<\/title>\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\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2025 vs 2021: Why is this real estate boom different? - Riverspc Blog_EN\" \/>\n<meta property=\"og:description\" content=\"2025 vs 2021: Why is this Real Estate Boom Different? Why is the 2025 Boom Different from 2021? Two years ago, the MNB (Central Bank) base rate was still 18%. Today, it stands at 6.5%. But the real turning point came in September. From September 2025, under the „Otthon Start” (Home Start) Program, a fixed […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\" \/>\n<meta property=\"og:site_name\" content=\"Riverspc Blog_EN\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-17T10:26:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T10:27:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/12\/flat-lay-real-estate-concept-min-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"RPC\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RPC\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\"},\"author\":{\"name\":\"RPC\",\"@id\":\"https:\/\/riverspc.com\/blog\/en\/#\/schema\/person\/d62907cde6213ceb07a8d2e704b75813\"},\"headline\":\"2025 vs 2021: Why is this real estate boom different?\",\"datePublished\":\"2025-12-17T10:26:42+00:00\",\"dateModified\":\"2025-12-17T10:27:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\"},\"wordCount\":453,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/riverspc.com\/blog\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/riverspc.com\/blog\/wp-content\/uploads\/2025\/12\/flat-lay-real-estate-concept-min-scaled.jpg\",\"articleSection\":[\"Kateg\u00f3ria n\u00e9lk\u00fcli\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\",\"url\":\"https:\/\/riverspc.com\/blog\/en\/2025\/12\/17\/2025-vs-2021-why-is-this-real-estate-boom-different\/\",\"name\":\"2025 vs 2021: Why is this real estate boom different? 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