Who are the players in home saving?


Many people already know about home saving, and almost everyone has an acquaintance, a family member, who already has a contract, had it before, or even sells it. However, before we jump into starting a contract, let’s look at and play a role in the contract.

You can request a contract change

The bid is two-fold, even if we tie it to ourselves, in which case we are both the contractors and the beneficiaries.

Contractor: He is contracted with the Home Savings Fund. You can request a contract change (reduce the amount and / or length of your savings), change your payment method, transfer, split, or even cancel it.

You may also decide to start another contract

You may also decide to start another contract

This is where the payee’s identity comes into play. State aid can only be used once at a time. If there is a beneficiary, the contractor may at any time cancel the contract or designate another.

Beneficiary: A close relative of the contractor who is not currently the beneficiary of another home savings contract. If a member of the family made a home savings, the savings can be used only by him. However, the beneficiary can be changed at any time during the savings period without the need for consent.

Who can be close relatives?

  • lineage like grandchild, child, parent, grandparent
  • spouse
  • brother
  • foster parent, foster child, stepchild or parent, adopted child or adoptive parent

When you enter into LTP, the Home Savings Fund transmits the details of the beneficiary in the contract (if no one is named, the beneficiary is also the beneficiary) to the Treasury, where the state aid is called. Our tax ID is used to identify whether or not we are using government support for any home checkout.

If the payee’s tax ID is occupied, they will notify the home savings fund and they will contact the contractor to modify the contract details and name another beneficiary.


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