Wekerle Plusz calculator
The successor of Otthon Start from 28 October 2026: at most 3% for new-build and at most 5% for existing homes, for owner-occupiers. Check whether you qualify and what your monthly payment would be.
The property
Gross price. Cap: apartment 100 000 000 Ft, house 150 000 000 Ft.
The price may be at most 1 500 000 Ft/m².
Are you eligible?
You must apply before your 45th birthday.
You are likely eligible
For a New-build property the rate is at most 3%. The payment calculator uses this rate.
Pre-screening only – not a credit decision.
We don't ask about these, but the bank checks them:
- Hungarian or EEA citizenship, or permanent residence
- clean criminal record
- no public debt over 5,000 Ft
- not on the negative list of the KHR credit registry (bank-dependent)
Monthly payment
At least 10% of the price: 5 000 000 Ft.
At most 25 years.
MNB average market mortgage rate, 2026 Q3.
Rent or buy?
Owning costs 35 315 Ft less per month, while you repay on average 90 928 Ft of principal per month (in the first year).
Important rules
- You must move in within 180 days and live there for 5 years.
- For 5 years you may not rent it out or let anyone else use it. If you do, the loan switches to a market rate and the subsidy must be repaid with a penalty.
- At least 10% down payment is required.
- It cannot be combined with another state home loan and can be used once per person.
- The purchase price may deviate from the appraisal by at most 20%.
Wekerle Plusz loan – FAQ
What is the Wekerle Plusz interest rate?
At most 3% for new-build and at most 5% for existing properties. The rate is not fixed for the whole term: it can be reviewed every 5 years. Your bank's offer contains the exact rate.
Who is eligible for Wekerle Plusz?
Anyone aged 18 or over who applies before their 45th birthday (for married or cohabiting couples, both must qualify) and has never owned at least 50% of a residential property. Exceptions: the earlier property was worth less than 30M Ft, was condemned for demolition, or was inherited with a usufruct right. Other conditions include Hungarian or EEA citizenship (or permanent residence), a clean criminal record and no public debt over 5,000 Ft.
Can I rent out a home bought with Wekerle Plusz?
Not for 5 years. During that time you may not rent it out or let anyone else use it. If you do, the loan switches to a market rate and the subsidy must be repaid with a penalty.
How much down payment do I need?
At least 10% of the price; the bank may deviate with adequate collateral. The loan is at most 50M Ft and the term at most 25 years.
What happens to my Otthon Start loan?
Otthon Start contracts already signed continue unchanged.
How long can I still apply for Otthon Start?
If your sale and purchase agreement is signed by 31 October 2026, you can apply until 15 November 2026. Because of a contradiction in the decree, it is safer to apply by 11 November.
Can Wekerle Plusz be used for an investment property?
No. Wekerle Plusz is for owner-occupiers only and the property cannot be rented out for 5 years. For an investment property, calculate with a market rate – the Brik calculator shows yield, cash flow and payback.
Brik investment calculator →Thinking about an investment property? A home bought with Wekerle Plusz cannot be rented out for 5 years, so investments must be calculated with a market rate.
Calculate the return with the Brik calculator →