Supported Solutions

Unlock your full potential with state and EU funding! From buying your dream home and starting a family to growing your business, we handle the bureaucracy so you don't have to.

Government Subsidies for Families & Individuals

Discover the latest housing and family support initiatives. Our experts help you combine available schemes to maximize your total benefits.

CSOK Plus – Large Family Housing Subsidy

A CSOK Plusz az egyik legjelentősebb állami otthonteremtési támogatás Magyarországon, amely a gyermekes és gyermekvállalást tervező magyar családoknak nyújt vissza nem térítendő támogatást és rendkívül kedvezményes kamatozású hitelt lakásvásárláshoz és lakásépítéshez.

What is CSOK Plus?

CSOK Plus is one of Hungary's premier government housing schemes, providing non-repayable grants and low-interest loans for families with children—or those planning to have children—to buy or build a home.

Who Can Apply?

  • Married couples with at least one child or those planning to have children
  • Hungarian citizens residing in Hungary
  • Single parents (subject to qualifying criteria)
  • Maximum age limit: 40 years old for the mother

Eligible Uses

  • Purchasing a newly built residential property
  • Renovating or expanding an existing property
  • Constructing a new home
  • Purchasing resale homes under specific conditions

Funding Amounts

Benefit amounts depend on the total number of existing and planned children. Contact our advisors for a personalized breakdown of current limits and eligibility rules.

Key Benefits of CSOK Plus

  • Non-repayable government grants
  • Highly favorable subsidized interest rate (fixed at 3%)
  • Principal forgiveness options upon fulfilling childbearing commitments
  • Full stackability with other government programs (e.g., Baby Expectant Loan)
  • Land registry fee waivers and tax exemptions

Applying for CSOK Plus involves navigating complex criteria. We guide you through the complete process—from initial consultation to final disbursement—ensuring you claim every available euro of state support.

How to Apply

  • Get in touch with our advisors
  • Review active terms and funding limits
  • Evaluate your eligibility for stacked program benefits
  • Receive assistance in compiling all required documentation
  • Get guided support through bank administrative procedures

Request a Free Consultation!

CSOK Plus represents significant financial support for Hungarian families. Request a free consultation to calculate your exact entitlement.

Otthon Start – The First Step Toward Homeownership

The Otthon Start program offers state assistance to young couples purchasing their first home, helping build equity and lower the barriers to entry for first-time buyers.

What is Otthon Start?

Under the Otthon Start initiative, the government provides savings incentives and subsidized financing for young couples, bringing homeownership within reach. Combining state contributions with low-rate financing offers a practical pathway to purchasing a first home.

Eligibility Criteria

  • Young couples (primarily under 40 years of age)
  • Applicants who do not currently own a home
  • Hungarian citizens
  • Applicants meeting specific income requirements

Key Benefits

  • Government savings bonus applied to accumulated down payments
  • Subsidized low-interest mortgages
  • Stackable with other support schemes (CSOK Plus, Baby Expectant Loan)
  • Accessible pathway to first-time homeownership

Eligible Uses

  • Purchasing a first flat or house
  • Constructing a first residential property
  • Supplementing down payment requirements

Early planning is critical when applying for Otthon Start. Our advisors are available to build your ideal financing strategy.

How We Help

Program terms and funding limits are subject to policy updates. Our specialists maintain up-to-date regulatory insights to:

  • Clarify current program rules and limits
  • Structure multi-program combinations
  • Manage the end-to-end application process

Get Started Today!

Purchasing your first home is a major financial milestone. Entrust your financial planning to us so you can focus on finding the right property.

Rural CSOK – Countryside Homeownership Subsidies

Rural CSOK supports rural development and community revitalization across small municipalities. The state provides non-repayable grants to families with children—or those planning families—who choose to settle in designated rural towns.

What is Rural CSOK?

Serving as the rural counterpart to CSOK Plus, Rural CSOK is designed for eligible couples buying or building in municipalities with populations typically under 5,000.

Eligibility Criteria

  • Married couples with or planning children
  • Buyers purchasing or building in qualifying rural municipalities
  • Hungarian citizens
  • Applicants meeting statutory age limits

Eligible Uses

  • Purchasing resale homes in designated small towns
  • Renovating or expanding an existing property
  • Constructing a new home
  • Energy efficiency upgrades and structural modernization

Key Benefits

  • Non-repayable government grants
  • High financing ratios relative to lower rural property prices
  • Fully stackable with complementary public programs
  • Allocable directly toward renovation and labor costs
  • Kedvező vidéki életkörülmények, természetközeli életvitel

Rural CSOK is particularly advantageous for families seeking larger properties at accessible prices while maximizing state contributions relative to the purchase price.

How to Apply

The application process involves extensive technical documentation. Our team assists with:

  • Verifying exact eligibility parameters
  • Evaluating target property compliance
  • Managing banking applications
  • Compiling all required legal documentation

Plan Your Countryside Home With Us!

Experience the advantages of rural community living backed by state funding. Let us help you secure maximum program benefits.

Rural Home Renovation Loan – Modernize Your Home

Modernizing housing inventory in rural areas benefits individual homeowners and local communities alike. The Rural Home Renovation Loan provides low-interest financing for residents in small towns to renovate and upgrade their homes.

What is the Rural Home Renovation Loan?

A state-subsidized credit line engineered specifically for rural property improvements, enabling lower-income households to upgrade energy efficiency and structural quality.

Eligible Renovation Expenses

  • Roof repair, replacement, and structural insulation
  • Window and exterior door replacement
  • Heating system modernization and heat pump installations
  • Solar power system installations
  • Bathroom and plumbing upgrades
  • Facade restoration and common area updates
  • Accessibility modifications

Loan Features

  • Subsidized interest rates significantly below commercial market terms
  • Extended term lengths with predictable monthly installments
  • Applicable to properties in designated small municipalities
  • Stackable with select state grants

Who Is It Recommended For?

  • Residents in designated rural towns (under 5,000 population)
  • Homeowners requiring structural or aesthetic property upgrades
  • Households seeking to lower utility costs through energy retrofits
  • Owners of mature residential properties

Energy-efficient upgrades lower ongoing utility expenses while increasing overall property valuation.

How We Help

  • Review active terms and funding limits
  • Prepare applications and organize required documentation
  • Manage bank application logistics
  • Structure combinations with other active rural subsidies

Request an Assessment Today!

Upgrade your home with affordable financing. Let our specialists handle your funding strategy while you focus on your renovation goals.

Baby Expectant Loan – Interest-Free Family Financing

The Baby Expectant Loan is one of Hungary's premier state-subsidized financial programs. It offers interest-free loans up to HUF 10 million to young couples preparing to start a family.

What is the Baby Expectant Loan?

An unsecured, interest-free loan provided by the state for married couples planning children. The funds are multi-purpose and can be allocated toward housing, vehicles, weddings, or general starter expenses.

Who Can Apply?

  • Married couples where the wife is aged 30 or younger at application
  • Hungarian citizens
  • Minimum 3 years of continuous social security coverage for at least one spouse
  • No prior dissolved marriages for qualifying applicants

Key Features

  • 100% Interest-Free: State-subsidized interest for the duration of the term upon fulfilling childbearing commitments
  • Loan Amount: Up to HUF 10 million
  • Payment Deferral: 3-year repayment suspension upon the birth of the first child
  • Principal Forgiveness: 30% principal reduction on the second child
  • 100% principal forgiveness on the third child
  • Unrestricted Spending: No proof of expenditure required

Why Choose the Baby Expectant Loan?

Interest-free terms deliver immediate savings, while principal forgiveness provisions make it an exceptionally high-value program for growing families.

  • 3 Children: 100% principal forgiveness (HUF 10 million grant conversion)
  • 2 Children: 30% principal forgiveness (HUF 3 million reduction)
  • Interest Savings: Subsidized terms save significant annual interest expenses compared to market rates

A Babaváró hitel nem csupán pénzügyi segítség – ez az állam megköszönése annak, hogy új generációt nevelnek fel. Igényelje most, és indítson el valamit csodálatosat!

Stackable With Other Programs

  • CSOK Plus: Supplement down payment requirements for home purchases
  • Rural CSOK: Combine for countryside property acquisitions
  • Otthon Start: Pair with first-time homebuyer programs

How to Apply

Our team manages every phase of the application process—from pre-qualification checks to bank sign-off. Request a free consultation to verify your eligibility.

Worker Loan – Subsidized Credit for Young Professionals

The Worker Loan provides interest-free credit to young working adults, assisting with independent living, housing expenses, and career setup costs.

What is the Worker Loan?

A state-backed, interest-free personal loan designed for actively employed young adults aged 17 to 25. The loan is multi-purpose, allowing borrowers full flexibility over spending allocation.

Who Can Apply?

  • Young adults aged 17–25
  • Actively employed with verifiable income
  • Hungarian citizens
  • Registered social security contributors

Key Features

  • 100% interest-free structure
  • Multi-purpose use (housing, transport, education, setting up a home)
  • Flexible repayment schedules
  • Fast approval process

Eligible Uses

  • Rental deposits and monthly rent
  • First vehicle purchase
  • Vocational training and educational courses
  • Home furnishings and appliances
  • Esküvő, életkezdéssel kapcsolatos kiadások
  • Milestone life expenses

A Munkáshitel az önállóság első nagy lépése. Az állam ezzel a programmal azt üzeni a fiatal munkavállalóknak: dolgozzatok, és mi segítünk az indulásban!

Why Apply Through Us?

Working with our advisors simplifies bank selection and speeds up application turnaround:

  • Eligibility verification and strategy consulting
  • Sourcing optimal lending partners
  • Complete application tracking
  • Pairing with complementary banking services

Apply Today!

Secure your funding with expert support. Contact us for a free setup consultation.

For Businesses

Grow your enterprise! Investment loans, overdraft facilities, and subsidized financial schemes tailored for the SME sector.

Subsidized Solutions for Businesses – Grant and Financing Opportunities

Capital constraints often prevent enterprises from fully exploiting market opportunities. To address this, the government and the European Union allocate billions annually to foster corporate development, reinvesting in initiatives that drive sustainable growth and innovation.

Key Eligible Funding Categories

Capital Investment & Development Grants

Funding for the procurement of production equipment, machinery, technology upgrades, facility improvements, and overall operational expansion. Public calls for proposals are regularly published under the EU Cohesion Fund and National Development Frameworks.

Digitalization & Innovation

Financing corporate digital initiatives, including software integrations, industrial automation, AI adoption, and e-commerce infrastructure development.

Green Economy & Energy Efficiency

Renewable energy integrations, facility energy retrofits, and corporate carbon footprint reduction projects.

Workforce Development & Training

Grants for employee training, recruitment incentives, and vocational reskilling initiatives.

Export Promotion

Strategic support for export-ready and active exporting firms, covering international market entry, trade fair participation, and marketing expenses.

Startup & Venture Incubation

Programs providing equity financing, incubation, and acceleration support for early-stage, high-innovation enterprises.

Types of Available Corporate Financing

  • Non-repayable grant funding
  • Subsidized low-interest development loans (e.g., MFB bank schemes)
  • Government-guaranteed corporate credit lines
  • Equity programs and venture capital investments
  • Hybrid instruments (combined loan + grant facilities)

Many businesses remain unaware of the precise funding schemes for which they qualify. A single strategic consultation is sufficient to identify non-repayable capital opportunities.

How We Help

  • Comprehensive mapping of funding opportunities aligned with your corporate profile
  • Identification of optimal financial programs
  • Proposal preparation through our network of specialized grant writing partners
  • Strategic structuring of combined commercial bank financing and public grants
  • Post-submission monitoring and compliance tracking

Request a Free Corporate Grant Assessment!

Do not forfeit capital allocations intended for your enterprise's growth. Contact us to schedule a complimentary consultation and determine your funding eligibility.