[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Mate Barzo [@MateBarzo](/creator/twitter/MateBarzo) on x XXX followers Created: 2025-07-14 18:13:54 UTC Let's talk about the Home Start Programme in Hungary. It is a government-backed home loan for first-time homebuyers. - Fixed X% interest rate for XX years - Loan amount up to XX million HUF - Only XX% down payment required - No age, marriage, or child requirements - Property price limit: XXX million HUF for apartments, XXX million HUF for houses. - max XXX million HUF/m² New home buyers have accounted for 25-30% of the market in recent years. I think because this is an opportunity for a segment that would not have taken advantage of a normal market loan, we could see an increase of about X percentage points in this category. That would give first-time homebuyers 30-35% of the market. There were and there are several government-backed loan programs in Hungary. In the case of those, there was a price increase of 9-9.5% in Budapest within X months of the announcement. Nationally, the increase was between X and 10%. It is questionable whether this level of increase will happen again, as we have been through a very steep rise, but I expect at least 5%. The XXX million HUF property price limit and the XXX million HUF/m² limit will obviously exclude some properties, but there is still a very wide range of properties that can qualify for the loan. To put it into perspective, average rents in Budapest range between XXX and 300K/month. According to the latest data, median net earnings in 2025 will be XXXXXXX HUF. A loan of XX million HUF for a 25-year term means a repayment of XXXXXXX HUF, which is less than the monthly rent. Of course, this is with a minimum of XX% equity, so you need to raise a few million forints to qualify for the loan. But let's not kid ourselves; in Budapest it is difficult to buy a property in such good condition for XX million where you would like to live for XX years, especially if you are planning to start a family. The problem is that supply is not growing. There will be more demand, and they will be able to pay more for the property. Market players know this; they are not waiting until September, which is the program start date. Sellers have already started raising prices on the day of the announcement. Many of us here in Hungary are begging the state not to interfere in the housing market, because the direct consequence of this is that we have seen the highest increase in house prices in the whole of Europe. We have around X million homes, which means that XXXXXX would have to be built every year in order to renew the housing stock every XXX years. Instead, between XXXXXX and XXXXXX are built every year. Obviously, if supply does not expand and we artificially stimulate demand, the prices will emerge. If for whatever reason you are not eligible for a loan, you should make sure you buy before the surge in demand catches up with you. However, it is easy to make the wrong decision under time pressure. #NOFOMO  XX engagements  **Related Topics** [hungarian forint](/topic/hungarian-forint) [fed rate](/topic/fed-rate) [hungary](/topic/hungary) [home loans](/topic/home-loans) [Post Link](https://x.com/MateBarzo/status/1944822677648429136)
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Mate Barzo @MateBarzo on x XXX followers
Created: 2025-07-14 18:13:54 UTC
Let's talk about the Home Start Programme in Hungary. It is a government-backed home loan for first-time homebuyers.
- Fixed X% interest rate for XX years
- Loan amount up to XX million HUF
- Only XX% down payment required
- No age, marriage, or child requirements
- Property price limit: XXX million HUF for apartments, XXX million HUF for houses.
- max XXX million HUF/m²
New home buyers have accounted for 25-30% of the market in recent years. I think because this is an opportunity for a segment that would not have taken advantage of a normal market loan, we could see an increase of about X percentage points in this category. That would give first-time homebuyers 30-35% of the market.
There were and there are several government-backed loan programs in Hungary. In the case of those, there was a price increase of 9-9.5% in Budapest within X months of the announcement. Nationally, the increase was between X and 10%. It is questionable whether this level of increase will happen again, as we have been through a very steep rise, but I expect at least 5%.
The XXX million HUF property price limit and the XXX million HUF/m² limit will obviously exclude some properties, but there is still a very wide range of properties that can qualify for the loan.
To put it into perspective, average rents in Budapest range between XXX and 300K/month. According to the latest data, median net earnings in 2025 will be XXXXXXX HUF. A loan of XX million HUF for a 25-year term means a repayment of XXXXXXX HUF, which is less than the monthly rent. Of course, this is with a minimum of XX% equity, so you need to raise a few million forints to qualify for the loan.
But let's not kid ourselves; in Budapest it is difficult to buy a property in such good condition for XX million where you would like to live for XX years, especially if you are planning to start a family.
The problem is that supply is not growing. There will be more demand, and they will be able to pay more for the property. Market players know this; they are not waiting until September, which is the program start date. Sellers have already started raising prices on the day of the announcement.
Many of us here in Hungary are begging the state not to interfere in the housing market, because the direct consequence of this is that we have seen the highest increase in house prices in the whole of Europe. We have around X million homes, which means that XXXXXX would have to be built every year in order to renew the housing stock every XXX years. Instead, between XXXXXX and XXXXXX are built every year. Obviously, if supply does not expand and we artificially stimulate demand, the prices will emerge.
If for whatever reason you are not eligible for a loan, you should make sure you buy before the surge in demand catches up with you. However, it is easy to make the wrong decision under time pressure. #NOFOMO
XX engagements
Related Topics hungarian forint fed rate hungary home loans