Skip to main content

Security report for startolj-ra.hu

Magyarország Kormánya · Government · Hungary

Medium risk. 7 critical or high findings in GDPR outside view, Email security and 1 other check.

Security score

68/100

Risk levelMedium

0–100, higher is better. How it is calculated

The website startolj-ra.hu is an official Hungarian government platform dedicated to promoting and providing information about the FIX 3% Lakáshitel program, a state-supported housing loan initiative for first-time homebuyers. The site offers comprehensive details about eligibility, loan conditions, and related news, supported by multimedia content such as embedded YouTube videos and downloadable resources. It targets Hungarian residents seeking affordable housing finance solutions, emphasizing accessibility and clarity. Technically, the site is built as a modern Angular single-page application, leveraging Google Tag Manager for analytics and Usercentrics for GDPR-compliant cookie consent management. The platform demonstrates strong digital maturity with responsive design, good SEO practices, and accessibility considerations. Hosting details are not explicit but performance is fast and user experience is smooth. From a security perspective, the site enforces HTTPS, employs standard security headers, and integrates a consent management platform to ensure privacy compliance. No critical vulnerabilities or exposed sensitive data were detected. Incident response contact is provided via a dedicated email address, though a formal security policy or vulnerability disclosure page is absent. Overall, the website presents a trustworthy, professional, and well-maintained digital presence for a significant government housing program. It effectively balances user engagement, compliance, and security, making it a reliable resource for its target audience.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

Need hands-on remediation? Email guard@offseq.com

Keep watching startolj-ra.hu

This scan found 20 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
77
Security headers
85
Email security
60
DNS health
75
Network security
100
GDPR outside view
10
Average
68

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The startolj-ra.hu website represents a strategic government initiative to stimulate the Hungarian housing market by offering a fixed 3% interest rate loan to eligible first-time homebuyers. Positioned as a large-scale, state-backed program, it leverages extensive communication channels including newsletters, apps, and social media to reach a broad demographic. The business model centers on public service rather than profit, focusing on social impact and economic stimulation. The site’s content and structure reflect a clear understanding of its audience's needs, providing eligibility criteria, application guidance, and ongoing updates. Partnerships with official government domains and social media channels reinforce credibility and outreach. Growth indicators include frequent news updates and app downloads, signaling active engagement and program uptake.

Security posture

The website exhibits a mature security posture with HTTPS enforced and multiple security headers implemented, including Content Security Policy and Strict-Transport-Security. The integration of Usercentrics CMP ensures GDPR-compliant cookie consent management, reflecting adherence to privacy regulations. No signs of exposed credentials, vulnerable libraries, or insecure forms were found. Incident response is facilitated via a dedicated email address, though the absence of a formal security policy or vulnerability disclosure mechanism suggests room for improvement in transparency and readiness. Overall, the site maintains a secure environment appropriate for a government service platform, minimizing risk to users and data integrity.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and user guidance.
  2. Implement and publicize a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  3. Provide explicit contact details for a Data Protection Officer to enhance GDPR transparency.
  4. Regularly review and update third-party scripts and dependencies to mitigate potential vulnerabilities.
  5. Enhance incident response visibility by including security contact information in the footer or dedicated section.

Contact details published on the site

Addresses
Legal name
Magyarország Kormánya
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Magyarország Kormánya
Description
Állami támogatással biztosított, fix 3%-os kamatozású lakáshitel első lakásvásárlóknak, amely 2025. szeptember 1-jétől érhető el. A program célja az otthonteremtés támogatása fiatalok számára, új vagy használt lakás vásárlására vagy építésére.
Key services
FIX 3% lakáshitel, Hitelkalkulátor app, Hírlevél szolgáltatás, Tájékoztató és támogatási információk
Content quality
excellent
Branding
consistent

Technology

Stack
Angular 20.0.0, Google Tag Manager, Usercentrics CMP, YouTube embeds, Swiper.js
Frameworks
Angular
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy present
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Secure forms with consent handling

Analytics and tracking

Services
Google Analytics (via GTM)
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Usercentrics CMP
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Official Hungarian government website for a housing loan program.
  2. Comprehensive content about the FIX 3% Lakáshitel program.
  3. Strong privacy and cookie compliance with Usercentrics CMP.
  4. Multiple embedded YouTube videos for user education.
  5. Clear contact email for program feedback and incident reporting.
  6. No signs of malicious or suspicious activity.
  7. Modern Angular SPA with good performance and mobile optimization.
  8. Social media presence linked to official government channels.
Technical notes

Notes

The website is developed as a modern Angular 20.0.0 single-page application, ensuring a dynamic and responsive user experience. It utilizes Google Tag Manager for analytics and Usercentrics for consent management, indicating a focus on privacy and data governance. The site embeds YouTube videos for rich media content and uses Swiper.js for carousel functionality. CSS and fonts are well-structured, with responsive design principles applied for mobile optimization. Performance is fast with efficient resource loading and minimal blocking scripts. No CMS is detected, suggesting a custom-built solution tailored to government requirements. Hosting provider details are not explicit but the site is served over HTTPS with strong security headers, indicating a professional hosting environment.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with startolj-ra.hu. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review startolj-ra.hu.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.