ORIGO
Titkos trükk az Otthon Starthoz, komoly előnyt jelenthet a kihasználása - ORIGO
Friss hírek Magyarországról és a nagyvilágból, sport, technika, szórakozás, tudomány, kultúra. Az ORIGO a legfrissebb hazai és nemzetközi hírekkel sz…
164
6k
4k
188k
Hungarian Homeowners Can Cut Mortgage Payments by Thousands Using Health Savings Accounts
Hungarian Homeowners Can Cut Mortgage Payments by Thousands Using Health Savings Accounts Budapest, Hungary – A recent development in Hungary's "Otthon Start Program," a state-supported housing loan scheme, offers homeowners a unique opportunity to significantly reduce their monthly mortgage installments. Financial experts highlight a "loophole" involving health savings accounts (Egészségpénztár) that could lead to substantial savings. According to financial expert Várkonyi Ádám, recent regulatory changes have removed the previous 180-day restriction on utilizing funds from health savings accounts for mortgage payments. This change allows individuals to leverage their health fund contributions to effectively lower their housing costs. The mechanism involves contributing to a health savings account, which then qualifies for a 20% tax credit from the state. This tax credit, previously restricted in its application to mortgages, can now be directly channeled towards mortgage payments. For instance, Mr. Várkonyi illustrates that for a 50 million HUF mortgage, which typically incurs a monthly payment of approximately 237,106 HUF, this method could reduce the effective monthly cost to around 222,000 HUF, representing a saving of up to 17,448 HUF per month. Similarly, a 25 million HUF loan could see monthly payments drop from 118,553 HUF to about 103,000 HUF. The state support component is approximately 8,724 HUF per person per month. After deducting operational costs of the health fund, a net benefit of 14,500-15,000 HUF per month for two people remains. This benefit is disbursed annually during the tax return period, with the tax refund being directed to the health savings account, from which it can then be used for mortgage payments. This strategy is particularly beneficial for married couples, as both partners can utilize the health savings account mechanism, potentially doubling the monthly state support. The expert emphasizes that eligibility for this benefit depends on active contributions to a health savings account. This innovative approach presents a considerable financial advantage for those looking to optimize their home loan expenses.
