Who Is Eligible for Wekerle Plus?

Under the scheme, applicants can borrow up to HUF 50 million, with a maximum repayment term of 25 years. For the purchase or construction of a new home, the annual interest rate is capped at 3%, while the maximum rate for purchasing a second-hand property is 5%. Applicants must be over 18 but under 45 at the time of submitting their application, with the 45th birthday included as the upper age limit, provided they meet the other statutory requirements. Applicants are not required to be married, have children or demonstrate a minimum period of social security coverage to qualify.

However, this does not mean that every eligible applicant will be able to borrow the maximum amount. Banks will also assess income, existing financial obligations and creditworthiness. As a general rule, a minimum deposit of 10% is required, although the actual amount of personal funds needed may be higher.

Property prices are also subject to restrictions. The purchase price must not exceed HUF 100 million for an apartment or HUF 150 million for a detached residential house. In addition, the gross price per square metre must not exceed HUF 1.5 million.

Does Previous Property Ownership Affect Eligibility?

Before applying, it is worth reviewing both current and previous property ownership. As a general rule, the scheme is not available to applicants who currently own, or have previously owned, at least a 50% share in a residential property. However, the relevant regulations provide for certain exceptions. For this reason, having inherited a share in a property or previously owned a lower-value home does not necessarily mean automatic disqualification. Eligibility must be assessed by taking into account the property's value, the applicant's ownership share and the circumstances under which the property was acquired. Additional rules apply when spouses or domestic partners submit a joint application. In such cases, both applicants must meet the applicable requirements. It is therefore important not to assess eligibility solely on the basis of one partner's property ownership or financial situation.

Must You Live in the Property for Five Years?

One of the key conditions of preferential financing is the requirement to use the property as your permanent residence. As a general rule, the borrower must establish their registered residence in the property within 180 days of the loan being disbursed and live there for five years. Renting out the property during this period is also prohibited. This requirement is particularly important for those considering moving to another city within a few years, taking a job abroad or using the property as an investment in the future. The legislation allows for exceptions in certain circumstances, but each case must be assessed individually.

Another important consideration is that Wekerle Plus cannot be combined with another state-subsidised, interest-supported home loan. Anyone also considering the CSOK Plus scheme, for example, should clarify which option better suits their needs before making a commitment.

What Should You Check Before Signing the Contract?

A favourable interest rate alone is not enough to make an informed decision. Before applying for the loan, it is advisable to check the following:

• Whether the applicant meets the personal eligibility and property ownership requirements.
• Whether the selected property falls within the purchase price and price-per-square-metre limits.
• Whether sufficient funds are available for the deposit and whether the repayments will remain affordable over the long term.
• Whether the residency requirement is compatible with future plans.
• Which deadlines and conditions apply to the property purchase agreement and the submission of the loan application.

Wekerle Plus may provide meaningful assistance to those seeking to buy their first home. However, choosing the right financing option requires careful consideration of both financial circumstances and legal obligations.

Conducting thorough checks before selecting a property and signing the purchase agreement can help prevent future problems that might affect eligibility or the ability to comply with the scheme's requirements.

Please feel free to contact our office for assistance with the preparation of a real estate sale or gift transaction, or for the review of a draft contract!

When buying a property, the amount of credit available is not the only factor that matters. It is equally important to understand the conditions and long-term commitments involved. The new Wekerle Plus scheme may offer an opportunity for first-time homebuyers, but there are several important details to clarify before applying.

Owning a home is a long-term goal for many people, often requiring substantial savings or a mortgage. Launched on October 28, 2026, the Wekerle Plus home loan scheme may help eligible applicants purchase their own property through preferential interest rates. However, the scheme is not simply a financial opportunity: applicants must also consider the eligibility requirements and the obligations they will be expected to fulfil in the years ahead.

Divorce can raise significant questions not only in personal life but also regarding the future of a business. This is particularly true when one spouse owns a company or when the spouses have built a business together during their marriage. In such cases, an important question arises: if the company is registered in only one spouse’s name, can the other spouse claim a share of its value?

The answer depends on several factors, including when and how the business interest was acquired, the period during which the spouses’ marital community of property existed, and whether joint marital assets were used to finance the business.

When transferring a high-value property, the key question is not only under which legal title the property can be acquired, but also what tax or duty consequences arise from the chosen legal arrangement. This is particularly relevant where the acquirer does not fall within the scope of persons exempt from inheritance or gift duty. This raises an important question: which legal arrangement – inheritance, gift, maintenance agreement, inheritance contract or trust – may result in the lowest duty burden?

Notice: This article does not constitute legal advisory services, and does not necessarily match the interpretation of the applicable laws by the authorities. This article is for general information only.

In today’s modern legal environment, the documented and professional examination of digital evidence, as well as the protection of devices and user accounts, has become increasingly important in legal disputes and proceedings.

Our firm’s cooperating partner in this field is Biztonság Akadémia Kft.

The professional expertise of our partner is provided by Tamás Durmics, an independent IT security expert and ethical hacker with more than 25 years of experience in information technology and security. His work focuses on documented and independent examination methodologies, as well as on presenting technical findings in a clear and comprehensible manner suitable for use in legal proceedings.

One of the most common situations giving rise to the greatest number of conflicts during probate proceedings is when the deceased dies without making a testamentary disposition. In such cases, the fate of the assets and debts is determined by the statutory order of succession under the Hungarian Civil Code. Although the rules are clear, a significant proportion of clients are not aware of the more important changes introduced by the Civil Code currently in force, particularly with regard to the rights of the surviving spouse or the extent of the compulsory share.