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The Housing Savings Bank Act was adopted in 1996. So many of you may be familiar with it. Back then, the state subsidized savings, starting with 40% and then 30%. In 2018, the government stopped the government subsidy. But the demand remained.
From 2023 onwards, home savings pension will be available again in the offer of 3 market players (OTP, Fundamenta, Erste).
What are the basic differences between the former state-subsidised schemes and the currently available interest rate subsidised schemes?

• the regular monthly savings in one account can be as low as HUF 50,000, but a client can open more than one account, so there is no real limit

• not linked to a tax number, as the interest bonus is paid by the financial institution, not the state

• no need to submit invoices, receipts, no inspection when paying out, so it is much easier and more convenient to use! Ask your personal adviser about the extended scope of use and how to use it!

And now let's look in detail at what each market player is offering:

The table above clearly shows the following:

• Fundamenta may seem advantageous with its low interest rate on home loans, but if you take out a loan, you won't get an interest bonus

• We believe that the Fundamenta offer is not an ideal choice for anyone in the current market environment