From 1 March 2026, important regulatory changes officially came into force that reshape how Otthon Start and CSOK Plusz work in practice. These are not brand-new schemes. Instead, they are rule changes that unlock flexibility, allowing buyers to combine supports, access more properties, and plan purchases with far fewer dead ends.
In short: from March 2026, the system finally works as one.
Below are the 10 key points with the exact numbers, that define what’s now possible.
Otthon Start: The Backbone of the New System (Effective from 1 March 2026)
1) Fixed interest rate: 3%
Otthon Start continues to offer a fixed 3% interest rate, unchanged but now operating within a more flexible framework from 1 March 2026. This keeps repayments predictable over the long term.
2) Maximum number of supported loans: 2
From 1 March 2026, households are legally allowed to hold up to two state-supported housing loans at the same time, instead of being restricted to one.
3) Can be combined with CSOK Plusz
As of 1 March 2026, Otthon Start can be used together with CSOK Plusz for the same property, provided all eligibility rules are met. This removes one of the biggest structural barriers buyers previously faced.
4) No marriage or child requirement
Otthon Start remains accessible without marriage or child-planning conditions, making it suitable as a standalone loan or as a base that can later be complemented by CSOK Plusz.
5) Harmonised under a single regulatory framework
From 1 March 2026, Otthon Start is formally integrated into the unified housing-support system, ensuring consistent rules when combined with other programmes.
Together, these points turn Otthon Start into a flexible foundation loan, not just a one-off solution.
CSOK Plusz: Broader Access from 1 March 2026
6) Apartment value limit: HUF 100 million
From 1 March 2026, the eligible property value ceiling for apartments under CSOK Plusz is HUF 100 million, significantly expanding the range of qualifying homes.
7) House value limit: HUF 150 million
For houses, the new upper limit is HUF 150 million, effective from 1 March 2026, bringing many family-sized homes into scope.
8) Fixed interest rate: 3%
CSOK Plusz loans continue to run at a fixed 3% interest rate, now fully aligned with Otthon Start under the post-March 2026 framework.
9) Maximum supported loans: 2
From 1 March 2026, CSOK Plusz is subject to the same two-loan maximum, meaning it can be paired with Otthon Start, but not stacked beyond that.
10) Support can extend beyond the initial purchase
Under the clarified rules effective from 1 March 2026, CSOK Plusz may later be used for additional housing purposes linked to the same property, such as expansion or renovation, if eligibility conditions are met.
These updates position CSOK Plusz as a long-term family housing pathway, not just a single transaction benefit.
Why the 1 March 2026 Date Matters
Before 1 March 2026, many buyers technically qualified for support but couldn’t use it effectively. Property limits didn’t align, loans couldn’t be combined, and new-build purchases often stalled at the financing stage.
From 1 March 2026:
-Both schemes run at 3% fixed interest
-Property value limits are aligned
-Two supported loans are legally allowed
-Otthon Start and CSOK Plusz can be used together
-The system supports step-by-step housing decisions
-This doesn’t just improve affordability it widens choice.
The Bottom Line
The latest housing-finance rules, effective from 1 March 2026, don’t change the goalposts , they remove the fences. Otthon Start and CSOK Plusz now operate as parts of the same system, opening up more properties, more combinations, and more realistic paths to home ownership.
For anyone actively searching, planning, or waiting for clarity, that clarity has now arrived.
Quick Q&A
1) When did these new rules come into force?
1 March 2026.
2) How many supported housing loans can one household have?
A maximum of two.
3) What interest rate applies to both schemes?
A fixed 3%.
4) What are the CSOK Plusz value limits?
HUF 100 million for apartments and HUF 150 million for houses.
5) Can Otthon Start and CSOK Plusz be used together now?
Yes explicitly allowed from 1 March 2026.