Lakindex Budapest property prices

Mortgage simulator

Monthly payment, cost of interest and income needed for a home loan in Hungary, at market rate or with the 3% Otthon Start scheme.

Typical rates

Good to know

  • Banks usually require a down payment of at least 20% for a market-rate loan, and the monthly payment is capped at about 50% of net income (60% above HUF 600,000 net per month).
  • Otthon Start: interest rate capped at 3% for a first home, loan up to HUF 50 million over up to 25 years, property worth up to HUF 100 million (flat) or 150 million (house), 10% down payment.
  • The amounts exclude loan insurance, valuation and file fees.
  • A simulation, not a loan offer: compare bank offers (APR / THM).

Summary of the rules checked in October 2026, for information only. Have your situation confirmed by a lawyer or the tax authority.

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