Full cost analysis
Everything that is not the asking price is a hidden cost. Duty, solicitor, notary, land registry, interest, insurance, bank account.
That is how much less the same purchase costs.
An indicative example calculation, not an offer, and not financial, tax or legal advice. Duty and the notarial fee are computed under the legislation in force; every other item is an estimate you can change above. Assumptions: home insurance 55,000 HUF/year per 50 million HUF insured value, typically at least 40% cheaper through a broker; mortgage protection insurance 15,000 HUF/month per borrower, indexed ~2% a year by default — the fully planned column assumes a fixed, non-indexed premium; bank account cost (transaction duty and bank charges) 50,000 HUF/year per person, rising ~4% a year. The tax credit is claimed through a self-help fund: up to 15% of the minimum wage may be paid out monthly towards the mortgage repayment, 20% of what is paid in can be credited, up to 150,000 HUF per borrower per year — provided you have enough personal income tax, no other voluntary fund uses up the allowance, and you are named as borrower or co-borrower in the loan agreement. Actual premiums differ by insurer, by bank and by circumstances.
Let’s go through your numbers
In a free consultation we go through your specific property — every item included.
Book a consultation