{
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    "date": "2026-06-18T16:23:38",
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    "title": {
        "rendered": "Buying Property in Undivided Co-ownership in Hungary"
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    "content": {
        "rendered": "<p class=\"wp-block-paragraph\">On the property market you will often come across houses, semi-detached houses, terraced houses or family homes held in undivided co-ownership. Although these properties are often available at a more favourable price than condominium units or properties with their own separate land registry number, buying them requires increased care.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a property in undivided co-ownership is not in itself a problem, but it is important to be aware that special legal rules apply to such properties. A thorough legal review can prevent many later conflicts and inconveniences.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Does Undivided Co-ownership Mean?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In the case of undivided co-ownership, the property appears in the land registry under a single land registry number and has several owners. The co-owners hold specified ownership shares, but the land registry does not separately record which part of the property is used by whom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, two or more residential buildings may have been built on one plot, or a larger family house may be used as several independent dwellings, while legally the property still appears as a single property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Is the Use Agreement Important?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most important documents in undivided co-ownership is the use agreement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In it, the co-owners set out which parts of the property each of them uses exclusively, and which areas remain in common use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A proper use agreement typically contains:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the precise definition of each dwelling or part of the building;<\/li>\n\n\n\n<li>the rules on using the garden;<\/li>\n\n\n\n<li>the use of the parking spaces;<\/li>\n\n\n\n<li>the location of the utilities;<\/li>\n\n\n\n<li>the rules for using the common areas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If there is no proper use agreement, serious disputes may later arise between the co-owners.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Right of Pre-emption in Undivided Co-ownership<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As a general rule, the co-owners have a right of pre-emption.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that the seller may sell their ownership share to a third party only if the other co-owners do not wish to exercise their right of pre-emption.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, when drafting the sale and purchase agreement it must be examined whether the statutory conditions relating to the exercise of the right of pre-emption have been properly met.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A breach of these rules can even lead to the transaction being challenged later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Does the Bank Look At in the Case of a Loan?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In the case of bank financing, stricter requirements generally apply to properties held in undivided co-ownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial institutions often require:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a proper use agreement;<\/li>\n\n\n\n<li>separate utility meters;<\/li>\n\n\n\n<li>independent access;<\/li>\n\n\n\n<li>settled ownership arrangements.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">During the credit assessment the bank examines the legal position of the property in detail, so it is advisable to clarify these questions before the purchase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Should You Check Before Buying?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before buying a property in undivided co-ownership, it is particularly advisable to check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the land registry extract;<\/li>\n\n\n\n<li>the use agreement;<\/li>\n\n\n\n<li>the cadastral map copy;<\/li>\n\n\n\n<li>the circumstances relating to the right of pre-emption;<\/li>\n\n\n\n<li>the situation of the utilities;<\/li>\n\n\n\n<li>the number and identity of the co-owners;<\/li>\n\n\n\n<li>any encumbrances, mortgages or easements.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In many cases, reviewing the documents alone can reveal circumstances that may affect the purchase decision or the value of the property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Is It Worth Consulting a Lawyer?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"\/hu\/ingatlanjog\/\">The sale of properties<\/a><\/strong> held in undivided co-ownership is generally more complex than <strong><a href=\"\/hu\/ingatlan-adasveteli-ugyved\/\">buying a property with its own separate land registry number<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"\/hu\/mit-ellenoriz-az-ugyved-adasvetel-elott\/\">A lawyer experienced in real estate law can provide assistance<\/a><\/strong> with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>examining the land registry extract;<\/li>\n\n\n\n<li>reviewing the use agreement;<\/li>\n\n\n\n<li>examining the rules on the right of pre-emption;<\/li>\n\n\n\n<li>drafting the sale and purchase agreement;<\/li>\n\n\n\n<li>handling the land registry procedure.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Proper preparation can significantly reduce the risk of later legal disputes and unexpected problems.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Summary<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a property in undivided co-ownership does not necessarily involve greater risk than acquiring any other property, but a thorough examination of the legal position is essential. Checking the use agreement, the right of pre-emption and the ownership arrangements are steps that can provide significant security for the buyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are planning to buy a property held in undivided co-ownership, it is advisable to <strong><a href=\"\/hu\/ingatlan-adasveteli-szerzodes\/\">engage a lawyer<\/a><\/strong> before signing the contract, so that the purchase is legally settled and secure.<\/p>",
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        "rendered": "<p>On the property market you will often come across houses, semi-detached houses, terraced houses or family homes held in undivided co-ownership. Although these properties are often available at a more favourable price than condominium units or properties with their own separate land registry number, buying them requires increased care. Buying a property in undivided co-ownership [&hellip;]<\/p>",
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