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HATC SAMPLE EDITION:
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19th August, 2025
Banks may undercut 3% loan scheme
Some lenders could soon offer rates below the 3% available under the state-subsidised Home Start housing loan programme, Balázs Sándorfi, head of personal finance website Bankmonitor, told RTL.
The scheme, often referred to as the “3% loan,” allows households to borrow up to Ft 50 million at a maximum interest rate of 3%.
Regulations, however, permit banks to offer lower rates.
“We expect that in September two or three banks may come forward with offers between 2.5% and 3%,” said Sándorfi.
He added that competition is particularly strong for higher-income clients – those earning more than Ft 700,000–800,000 per month – who are likely to secure the most favourable terms.
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Sources regularly consulted, with abbreviations used in text: Népszabadság (N); Magyar Hírlap (MH); Világgazdaság (VG); Napi Gazdaság (NG); Magyar Nemzet (MN); Népszava (Nsz); Kossuth Rádió news (KR); nightly TV news (TV).
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