Zsófia Koncz, State Secretary for Families at the Ministry of Culture and Innovation, announced on Tuesday that the CSOK Plus, rural CSOK, and baby-expecting loan have helped 343,000 families achieve their housing goals in recent years.
In a Facebook video, she highlighted that these government programs remain highly popular, providing substantial support for home purchases, construction, or expansion. From September, the new Otthon Start program will launch, offering a fixed 3% interest loan for first-time buyers, with repayments unchanged for up to 25 years.
Koncz stressed that the new loan can be combined with existing family support measures, including the baby-expecting loan, CSOK Plus, and rural CSOK. Under the changes, the property value limit for a first jointly owned home purchased with CSOK Plus rises from 80 million forints to 100 million for apartments and 150 million for houses.
She added that the combination of CSOK Plus and rural CSOK benefits—such as exemption from property transfer tax and VAT refunds—maximizes opportunities for families. The related government decree has undergone public consultation, with feedback now being reviewed.
Family organizations welcome the fixed 3% loan, calling it the most significant home creation program since the democratic transition, Koncz said, noting it will aid not only home acquisition but also family formation and childbearing.