As expected, Fundcorp did not remain in a monopoly position for a long time, as far as new home savings funds are concerned. As we said before, it was only a matter of time. Second, OPT has arrived with the new contract, we’ll show you the details! But it is important to know before that this contract is not worth comparing to the previous one, as there is no 30% state support. We treat it as a brand new contract.
What has not changed
Home savings can still only be spent on real estate, as expected. The contractual amount is calculated by adding interest to our payments and the amount of credit that can be drawn. From here, 30% of state aid fell. And we still need to justify our spending, that is, send bills to the homeowner to use the money.
Here you will also find bonuses
Just as in the case of Fundcorp, OPT fills in the state aid gap with a customer bonus. But in the beginning it is good to know that we have to fulfill the right conditions. If we do not do so and lose the bonus, the contract may even have a negative EBKM.
In fact, there is a so-called extrabonus . The rate is 5%, which is calculated by multiplying the deposit amount by the contractual ratio of the mortgage loan and the savings in the cash fund.
If we get this, we can achieve an EBKM of up to 2.19 percent at a very high monthly savings, which is favorable compared to the current base bank interest rate or the 0.9% central bank base rate.
So far, everyone has agreed that it is worth setting aside up to 20,000 forints per contract. This was because of the maximum amount of State aid. Now, however, we can save up to $ 50,000 a month, but OPT expects a minimum of $ 10,000.
So we thought so much about Unit 1 about the interesting features of the new OPT home savings. Of course, we will soon apply a little more professional. In the meantime, contact us! We help you find the ideal home savings and home loan.