BANK - Home Financing Hungary

We support you in financing your home.

Thanks to the continuous growth of the real estate and banking markets, we have gained extensive experience in real estate financing over the past 15 years. This enables us to act as an intermediary and assist you in several countries.

Real Estate Financing in Hungary

Apartment – House – Land – Construction

If our client works in Austria and receives income in euros, they have the opportunity to purchase property in Hungary after just three months. However, due to the higher risk associated with cross-border financial services, this process is subject to slightly stricter conditions compared to Austrian financing.

If you meet the following requirements, fill out our creditworthiness calculator and upload the necessary documents, we will take care of everything for you!

Important Information:

Requirements and Necessary Documents:

From 18 years of age (legally competent persons)

Main residence in Austria
10–20% equity depending on valuation result and/or additional collateral (Austrian or foreign properties in HU, SLO, HR)
Payslips from the last 3 months
Bank statements from the last 3 months
Copy of ID
Copy of registration certificate
If purchasing through an agent: property exposé
If private purchase: land register excerpt, floor plan, energy certificate, interior and exterior photos
For construction projects: construction plan, elevation plan, land register excerpt of the building plot, cost calculation and/or construction offer

Additional Purchase Costs:

Property acquisition tax 4%
Above 1 billion HUF: 2%, max. 200 million HUF
Legal fees 1–3%
Land register entry 6,600 HUF
Notary fees 8,200 HUF – 86,200 HUF
Commission 2–6%

Our Free Services:

Telephone and online credit check
Consultation: evaluation of property offers, pros and cons of various property types, key aspects, hidden risks, and the structure of the administrative process from A to Z

Our Paid Services:

Joint property viewing

Mediation between buyer and seller
Price negotiation with the seller
Condition assessment and determination of renovation needs
Support with submitting and accepting the offer
Tax advisory for investors
Engagement of a law and notary office: drafting a purchase contract at a favorable price, setting up an escrow account, tax refund assistance, settlement of the purchase price between parties, and land register entry
Company formation
Property management
Insurance