2025: Housing support opportunities worth taking advantage of
The world of housing support changes year by year, and 2025 will be no exception. Whether you’re buying, renovating, or building a home, it’s worth exploring the wide range of available support options, as taking advantage of the right programs can save you a significant amount of money. Below, we outline the housing support opportunities awaiting you in 2025.
CSOK Plusz and Falusi CSOK
CSOK Plusz remains one of the most popular housing subsidies among families. In 2025, it continues to offer favorable loan terms for married couples. Its biggest advantage is that the loan interest rate is fixed at 3%, remaining unchanged throughout the loan term. Through childbearing, there is also the opportunity for significant debt forgiveness: after the birth of the first child, there is a one-year repayment break, and after the second and third children, a debt forgiveness of 10 million forints each is provided. The supported loan amount varies based on the number of children, so for one child, 15 million forints are available, for two children, 30 million forints, and for three or more children, up to 50 million forints. Therefore, CSOK Plus not only helps with purchasing a home but also makes repayment easier.
The Falusi CSOK is an excellent option for those who wish to buy, build, expand, or renovate a property in smaller villages. The support is non-repayable, meaning it does not need to be paid back if the conditions are met, and there is no need for a creditworthiness check. What makes it special is that it can be applied for by single individuals or couples, even without children, as long as the property is located in a small village. The amount of support can be up to 15 million forints, depending on the number of children. Additionally, a discounted loan with a 3% interest rate can be requested alongside the Falusi CSOK if the support is applied for after at least two children.
VAT discount and Tax Refund
The costs of purchasing or building a home can be significantly reduced by utilizing VAT discounts and tax refund options. When buying newly built properties, a 5% VAT rate applies, offering a considerable discount compared to the standard VAT rate of 27%. This discount is available not only in the capital but also in rural areas, including smaller villages, and has the additional benefit of making property construction cheaper. In addition to property purchases, VAT refunds are also available for renovations, with a 5% VAT refund for new homes and a 27% VAT refund for renovation and expansion projects.
Home Renovation support
Starting in January 2025, the Home Renovation Program will be available, offering assistance especially to those living in small villages. The support can amount to up to 3 million HUF, covering half of the renovation costs. To qualify for the support, applicants must have at least one child and the property to be renovated must be located in a small village. Additionally, a supported loan of up to 6 million HUF is available for renovations, offering favorable interest rates to help with the costs. The Home Renovation Support is particularly beneficial for those seeking financing for the renovation of a property in poor condition.
Baby Expectancy loan
The Baby Expectancy loan underwent some significant changes in 2024. One of the main adjustments is that the wife can now be a maximum of 34 years old at the time of application. Previously, the loan was available for women aged 30-40 if they were pregnant, but this option is no longer available this year.
The loan amount can be up to 11 million HUF and is repayable over 20 years. The biggest advantage is that if a child is born during the loan term, the loan can become interest-free, and with the birth of a second child, part of the debt may even be forgiven. Additionally, the Baby Expectancy Loan can be used to supplement the down payment, as 75% of the loan amount counts towards the required down payment for property purchases, making housing loans more accessible for many families. The Baby Expectancy Loan is a great help for purchasing or building a home, especially for young couples.
Airbnb restrictions
Voluntary Pension Fund support for housing purposes:
In 2024, voluntary pension fund savings can be used tax-free for housing purposes, such as purchasing, building, or renovating a home. This opportunity can be utilized three times this year, and the amount can be used based on the balance as of September 30, 2024. The average pension fund balance is around 2 million HUF, but some members may have saved up to 10 million HUF. It’s important to carefully consider whether it’s worth using retirement savings for housing purposes.
SZÉP Card for Renovation
This year, you can use half of your SZÉP card balance for home renovation. 50% of the year-end balance and new deposits can be allocated for this purpose. This amount can nicely complement other sources and can be used for material costs. It’s important that the seller has the appropriate contract and is an eligible accepting location.
Housing Support for young people
Employers can offer a monthly housing support of 150,000 HUF to employees under 35, which can be used for mortgage payments or rent. This can amount to up to 1.8 million HUF annually and helps reduce housing costs for young people.
Overall, the 2025 housing support options offer solutions for all life situations. For families, exceptional support options like the CSOK Plus and the Baby Loan continue to be available, providing favorable loans and significant debt forgiveness opportunities to assist with home purchase or construction. For those living in rural areas or wishing to buy or renovate properties in small settlements, the Rural CSOK and the Home Renovation Support offer targeted assistance. Programs focusing on energy efficiency and sustainability, VAT discounts, as well as pension fund and SZÉP card options provide additional flexibility. However, it is important to be aware of the conditions and new regulations, such as the restrictions on the Airbnb market, to choose the most advantageous option. In 2025, thorough research and conscious decision-making will be key, as housing support not only helps make our dream homes a reality but also offers significant financial advantages.
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