A felvehető hitel nagyságát befolyásolja a fedezetül felajánlott ingatlan(ok) értéke.
Ingatlan értéke
Ft
2. Életkor
Az életkor befolyásolhatja a futamidőt. Adós és jövedelmet igazoló adóstárs együttes igénylése esetén az idősebb igénylő életkorát szükséges beírni.
Hány éves vagy?
éves
3. Háztartás
Többkeresős háztartás esetén változik a minimálisan elvárt jövedelem.
Az igénylő élettársa, házastársa bevonásra kerül a hitelügyletbe. Többkeresős házastárs esetén változik a minimálisan elvárt jövedelem. Többkeresős a háztartás akkor is, ha az egyik fél csak családtámogatási ellátásban részesül (GYES, GYESE, GYED, CSED,
GYOD, családi pótlék).
Minden hivatalosan igazolható jövedelem (bankszámlakivonat, jövedelemigazolás, NAV igazolás alapján)
A háztartás jövedelme:
Ft
4. Meglévő hitelek, hitelkeretek
Az az összeg, ami havonta összesen hiteltörlesztésre fordítasz, pl. személyi kölcsön, jelzáloghitel, autóhitel, áruvásárlási hitel, diákhitel. A háztartás összes havi hiteltörlesztését add meg.
A folyószámlahitel vagy a hitelkártya keret teljes összegét add meg, ne csak azt, amit felhasználtál belőle! A háztartás összes folyószámlahitelét, vagy hitelkártya keretét add meg.
Meglévő hiteleid összes törlesztője havonta
Ft
Folyószámla vagy hitelkártya kereted
Ft
5. Kedvezmények
Még alacsonyabb kamattal vehetsz fel hitelt, ha teljesítesz bizonyos feltételeket.
Amennyiben vállalod, hogy a hitelfelvétel után Erste bankszámládra érkezik jóváírás (ez lehet akár a fizetésed is), úgy a jóváírás mértékétől függően kamatkedvezményt adunk. A kedvezmény 10M Ft hitelösszegtől és 400 000 Ft feletti jóváírástól elérhető.
Havi jóváírás összege
Ft
Babaváró hitellel történő igénylésnek számít a lakáshitellel egyazon napon történik, vagy ha lakáshitelt megelőző 90 napon belül történt a Babaváró hitel befogadása.
Amennyiben ugyanazon lakás vásárlása céljából a babaváró kölcsönszerződés megkötésétől számított 90 napon belül jelzálogjog fedezete mellett nyújtott hitel is igénylésre kerül, abban az esetben a vonatkozó jogszabály alapján a babaváró kölcsön
összegének legfeljebb 75 százaléka önerőként elfogadható
A Biztosító a biztosítási feltételekben meghatározott események bekövetkezésekor meghatározott ideig fizeti a havi törlesztőrészleteket, vagy akár egy összegben kiegyenlíti a teljes fennálló tartozást. A Biztosító ezen felül további kifizetést is teljesít a biztosított vagy az örökösök részére. A biztosítás részletes feltételei az Általános és Különös Biztosítási Feltételekben találhatók. Amennyiben lakáshiteled mellé Erste Hitelvédelmi Biztosítást igényelsz, a futamidő végéig kamatkedvezményt biztosítunk a mindenkor hatályos Lakossági Hitel Hirdetmény szerint. A kedvezmény mértékének meghatározásakor a Biztonság Extra csomaghoz tartozó kedvezményt vesszük figyelembe.
Sajnáljuk...
Sajnos nem tudtunk neked kalkulálni.
Kérj kollégánktól segítséget!
Ennyi lakáshitelt kaphatsz
A megadott adatok alapján megmutatjuk a felvehető legmagasabb összegű és a kamatváltozást tekintve legkockázatmentesebb ajánlatot, így össze tudod hasonlítani őket. Ha érdekel valamelyik ajánlat, kérj visszahívást és hitelszakértőnk segíteni fog.
10 éves kamatperiódusú hitel esetén
Ennyi ideig nem fog változni a kamat, ezáltal a törlesztőrészlet összege.
A változó kamatozású hitel magasabb összegű lehet, de törlesztőrészlete megváltozhat.
Hitelösszeg
29 400 000
Ft
Futamidő
15
év
Havi törlesztő
234 000
Ft
THM
6,86
%
Teljes visszafizetendő
35 600 000Ft
6,54%
Hitel teljes díja
5 300 000Ft
A gomb megnyomása után pár adatot kérünk tőled,
hogy szakértőnk visszahívhasson.
A becsült maximális hitelösszeg tájékoztató jellegű, nem minősül ajánlattételnek. A tényleges hitelösszeg mértéke függ a bank belső hitelbírálatának eredményétől, az önerő mértékétől, valamint a fedezeti ingatlan forgalmi- és hitelbiztosítéki értékétől. A jelen kalkulátor
által számított hitelösszeg kizárólag a kalkuláló által megjelölt nettó havi jövedelem, havi fennálló tartozások, valamint az ingatlan értékének figyelembe vételével került kiszámításra.
További lakáshitel ajánlatok
Ha megtetszik valamelyik, nyomd meg az Érdekel az ajánlat gombot, pár adat megadása után hitelszakértőnk visszahív!
10 éves kamatperiódussal
Minősített fogyasztóbarát lakáshitel
–
Leghosszabb futamidő esetén
A törlesztőrészlet magasabb lehet, de a futamidő végéig ugyanannyi marad.
Hitelösszeg
29 400 000
Ft
Futamidő
15
év
Havi törlesztő
234 000
Ft
THM
6,86
%
Teljes visszafizetendő
35 600 000Ft
6,54%
Hitel teljes díja
5 300 000Ft
A gomb megnyomása után pár adatot kérünk tőled,
hogy szakértőnk visszahívhasson.
If you wish, our lending specialist will call you beforehand to discuss the details and arrange an appointment for the in-person meeting. Request a callback here!
The Bank’s tasks
Our lending specialist helps you find the loan that best suits your needs and circumstances.
Based on a personalised calculation, we inform you about the expected costs, loan term and monthly repayment.
We provide a list of the documents required for the loan application to help you prepare them.
We inform you about your tasks and the information and conditions relating to taking out the loan.
Once you have reviewed all the conditions and decided which loan to apply for, you will start the application with the assistance of our lending specialist. At this stage, you must submit the documents requested earlier. We recommend making an appointment.
The Bank’s tasks
We collect the documents from you.
Once you have provided all the documents discussed earlier, we will accept your loan application.
We order the property valuation, after which the valuer will contact you by phone to arrange an appointment.
Why is the valuation important?
During the Bank’s valuation, we establish the market value of the property serving as collateral, which affects the amount you can borrow.
Your tasks during the loan application
Bring all previously requested documents, as we can only begin assessing your loan application once the documentation is complete.
Thank you for your patience while we carry out the assessment carefully. If we need further information or documents, we will contact you.
The Bank’s tasks
Once the valuation has been completed, we begin the credit assessment.
We determine the loan amount that may be granted based on your income, the Bank’s internal customer rating rules and the market value established in the valuation.
During the credit assessment, certain data or documents may need to be corrected or supplemented, in which case we will request them from you.
Once the credit assessment is complete, we inform you of the positive or negative decision by phone and in writing.
Your tasks
(i) If you have not yet transferred the valuation fee, please do so as soon as possible. The sooner it is paid, the sooner the valuation report can be completed. We can only carry out the credit assessment afterwards.
Your third in-person meeting at the branch.
Your loan application has been approved, and all that remains is to sign the agreement.
The Bank’s tasks
Following approval of your loan application, our lending specialist sends you the draft agreement by email, or you may collect it at a branch.
We provide at least three days for you to read the draft agreement thoroughly.
Our lending specialist arranges an appointment with you and the notary to sign the agreement and informs you about the conditions for signing.
Our lending specialist is available to answer any questions you may have.
Your tasks
Read the draft agreement thoroughly. If you have questions about any provision, consult our lending specialist.
You conclude the loan agreement and mortgage agreement at the branch at a pre-arranged time. This may take place no earlier than three days after you receive the draft agreement.
If you do not yet have a bank account, open an Erste bank account before signing or on the day of signing. The loan will be disbursed to this account and the repayments will be debited from it.
The signed agreement must be executed as a notarial deed, either at the branch or at a notary’s office. The lending specialist helps you find a notary and make an appointment, but you must sign the document yourself.
Pay the fee for executing the notarial deed. Under the promotional offer, we refund up to HUF 50,000 after disbursement.
Only a few tasks remain. As soon as you have met the disbursement conditions, we will transfer the loan amount to you.
The Bank’s tasks
We check that all disbursement conditions specified in the concluded loan agreement have been met. Some key conditions are:
Execution of the agreement as a notarial deed
Use of the down payment
Having home insurance or property insurance
Submission of the application to register the mortgage with the land registry, by the Bank or the applicant
Verification on the title deed that the Bank’s mortgage and the prohibition on disposal and encumbrance have been registered for the property.
Once all required disbursement conditions in the loan agreement have been fully met, we disburse the loan as specified in the agreement.
Your tasks
We disburse the loan amount once you have met all the disbursement conditions specified in the agreement, such as:
Using and paying the down payment
Taking out home insurance or property insurance for the property
Home insurance premiums must always be paid by standing order or direct debit. This can be set up from the Hungarian forint account held with our Bank by any party to the transaction.
Payment of the disbursement fee, but only if it has not been waived under a promotional offer.
What happens during repayment?
There is not much for you to do during repayment, other than ensuring that the monthly repayments can be made.
The Bank’s tasks
Each month, we debit the repayment instalment from your account on the repayment date.
Each year, we send you a notification explaining how your outstanding debt has decreased and how your repayments will change during the remaining term, provided that you continue making repayments in accordance with the agreement.
If the interest rate changes, we also notify you in writing of the revised interest rate and repayment amounts.
After you have repaid the outstanding loan, we issue the authorisation required to remove the mortgage and the prohibition on disposal and encumbrance.
Your tasks
Ensure that the repayment amount can be debited from your bank account on the specified repayment date each month.
Pay the home insurance or property insurance premium on time.
You may make an early repayment or change the loan term at any time, subject to payment of the fee specified in the Announcement. You must notify us of your intention in writing in advance. A change to the loan term may only be requested at a branch, while an early repayment may also be initiated through TeleBank.
Customer reviews
It is great that we can make an authenticated call through the app, so we do not have to listen through a two-minute menu system. Kudos to the agent: providing information about an ongoing mortgage is not part of their role (they provide general information), but they still took the time to ask around. 11/10.
The bankers at the branch are kind and provide detailed information on questions related to loan applications.
I am extremely satisfied because I was able to arrange my home loan here very quickly.
The banker spoke about real-estate market topics with a high level of professional expertise. I also appreciated how approachable and very polite they were.
Using my home savings funds toward loan repayment also came up, and I was very happy that I did not have to make a separate visit to the branch for this, as I was able to arrange it remotely as well.
I originally started out as a Postabank customer, and then Erste Bank came along. Apart from the initial difficulties, I am satisfied with the bank's services, offers and administration. When I needed it, the banker was helpful and I received a loan tailored to my needs on suitable terms. I prefer the web interface, but the app is useful too.
It was amazing to see the account banker consult the mortgage specialist, and then relay what they had heard from the relevant colleague. They told me everything I wanted to know, even though the questions I asked were far from routine ones!
The service at the branch was fast, and the loan was disbursed quickly as well.
The banker was very knowledgeable and quickly got up to speed with my mortgage application.
I liked how quickly the loan application was assessed. I have been to many branches before, but I was pleasantly surprised here to find separate meeting rooms where discussions can take place calmly and quietly. The environment is very pleasant.
Dear Erste Bank! I would like to provide feedback through this channel. Over the past six months, we had the opportunity to take out a mortgage at the Rákoskeresztúr branch. From a customer's perspective, your colleague's guidance and continuous communication about the process and the next steps were outstanding. Thank you very much for your cooperation, and especially for your colleague's excellent handling of our case!
What is the maximum home loan amount you can apply for?
For purchasing a property, meaning the financing of the purchase of a used or newly built residential or holiday property.
For purchasing a plot of land, meaning the financing of the purchase of a residential or holiday plot.
For building a property, meaning the financing of the construction of a residential or holiday property. This includes both self-build projects and construction carried out under contract by a general contractor. Adding another storey, converting an attic and extending a property also qualify as construction purposes, provided that the number of living rooms increases by at least one.
Loan refinancing: refinancing an existing housing loan.
For home renovation, meaning the financing of renovation or general repair work covering all or part of a residential or holiday property. Such work may or may not require a building permit or approval from a competent authority.
For home improvements, meaning work carried out to improve the comfort level of an existing residential building, including the installation of water, sewerage, electricity or gas utilities or internal networks; the construction of a bathroom in a property that does not yet have one; the installation or replacement of a central heating system, including the use of renewable energy sources; building insulation, including thermal, acoustic and waterproofing work; the replacement of external doors and windows with energy-efficient units; and the replacement, renovation or insulation of the roof.
The loan may be applied for by adult customers who have an income acceptable to Erste Bank and meet our customer rating and credit assessment criteria. A person listed as a defaulting debtor in the Central Credit Information System (KHR) is not eligible for a loan.
If the loan applicant has a spouse or domestic partner, they must generally also participate in the transaction as a co-borrower.
Additional co-borrower(s) and guarantor(s) may also be included to increase the household’s eligible income, which forms the basis of the credit assessment, as explained below. In this case, they will also become parties to the loan transaction.
The owners of the properties offered as collateral participate in the loan transaction as mortgagors.
The amount you can borrow is primarily determined by the loan applicant household’s verified net income and the market value and collateral value assigned by Erste Bank to the properties offered as collateral. Property collateral must always be provided for a housing loan. The loan amount may not exceed HUF 150 million. It may also not exceed 80% of the market value or 100% of the collateral value of the residential property or properties offered as collateral, as determined by the valuer. Furthermore, it may not exceed 100% of the purchase price or budget or, where a single property offered as collateral is also the subject of the loan, 80% of the purchase price. The amount that may be granted is also influenced by the customer rating established during the credit assessment.
The loan applicant must provide proof of income in all cases. A loan cannot be granted solely on the basis of the value of the properties offered as collateral.
Providing proof of sufficient income is one of the basic requirements for the approval of a loan application. Therefore, the applying household’s total net income, any existing loan debt and the monthly repayment instalments must be verified. The Bank’s minimum requirements are:
for a single loan applicant, verified net income of at least HUF 214,000
for multiple loan applicants, combined verified net income of at least HUF 310,000.
The household’s income may be increased by involving additional co-borrower(s) and guarantor(s). The amount that may be borrowed is determined on the basis of the ratio between verified income and monthly loan repayments, taking into consideration the properties offered as collateral and the maximum loan amount permitted by law.
Housing loans are mortgage-backed loans, so property collateral must be provided in all cases.
The required value of the collateral depends on the requested loan amount. A maximum of three properties may be offered as collateral for a single loan transaction. The property serving as the purpose of the loan does not have to be offered as collateral.
Only independently marketable property located in Hungary, free from litigation, encumbrances and third-party claims, and in a completed technical condition may serve as collateral for the loan transaction. This does not apply to construction loans, where the property under construction that serves as the purpose of the loan may itself be accepted as collateral. There are no restrictions concerning the relationship between the owner of the property offered as collateral and the loan applicant. Therefore, anyone may offer property as collateral for a loan transaction.
The Bank accepts the following types of property as collateral: apartments, detached houses, terraced houses, semi-detached houses, holiday homes, weekend houses, undeveloped building plots and garages.
There is no mandatory requirement regarding the amount of the down payment. However, a down payment is usually required even when property collateral is provided, because the Bank may grant a loan of up to 80% of the collateral’s market value, as explained above. A down payment may nevertheless be replaced by providing additional collateral.
The terms available for market-rate housing loans are:
Minimum:
10 years for a product offering a 5-year interest period
20 years for a product offering a fixed interest rate for 20 years
Maximum:
20 years for a product offering a fixed interest rate for 20 years
With the exception of the 20-year fixed-rate housing loan, you may select any loan term within the above ranges, provided that the term is a whole number of years.
The loan’s monthly repayment is determined by the loan amount, interest rate and term.The Bank does not charge an account management fee for market-rate housing loans.
Our calculators allow you to calculate the exact monthly repayment for the requested loan, the associated costs, the total amount repayable and the annual percentage rate of charge.
Ourcalculators also include a printable information document that complies with current legislation and provides detailed information about the individual loan products.
The loan is denominated in Hungarian forints. The following market-rate mortgage loans have variable interest rates: loans with a 10-year interest period. The interest rate of the 20-year fixed-rate housing loan remains unchanged throughout the entire loan term.
Loan with an interest rate fixed for specified interest periods:
The interest period is 10 years. The interest rate may change at the end of each interest period.
You may request an interest rate discount depending on the condition you undertake to meet when submitting your loan application. Every six months, the Bank reviews whether the conditions associated with the selected discount category have been met. If the undertaken condition has not been met during the three consecutive months preceding the review, the discount category will cease to apply. In this case, until the next review period of six months, you will not be entitled to the terms associated with the discount category specified in your agreement. The applicable interest rate will therefore be increased by the amount of the contractual interest rate discount. If you once again meet the condition undertaken in the loan application, you will automatically become eligible for the discount again from the first payment due date following compliance.
Changes in the loan’s interest rate will result in changes to the monthly repayment instalments. Erste Bank may amend the agreement unilaterally no more than five times during the loan term.
Interest rate adjustment indicator:
A publicly available ratio that objectively reflects changes in circumstances connected with the refinancing costs of lending and the provision of credit that are outside the scope of business risk, cannot be influenced by lenders, are independent of lenders and cannot be prevented by them. This ratio serves as the basis for calculating changes to the interest rate. The interest rate adjustment indicator applied by the Bank is H3K.
Interest margin adjustment indicator:
The interest rate adjustment indicator serving as the basis for modifying the interest margin. The interest rate adjustment indicator applied by the Bank is H2F. The interest margin, interest rate adjustment indicator and interest margin adjustment indicator applied by Erste Bank are set out in the relevant Announcement.
Various costs may arise before and after the disbursement of a housing loan:
- When purchasing a property, a sale and purchase agreement must be concluded. The lawyer’s fee is generally 0.5–1.5% of the purchase price.
- If the planned work requires a building permit, building permit plans must be prepared and submitted to the competent authority when applying for the permit. Planning and obtaining the permit also involve costs.
-The properties offered as collateral must be valued. The valuation fee is HUF 55,000 for an apartment and HUF 70,000 for a residential house. If work requiring a building permit is also financed, a technical assessment based on the construction budget is required, for a fee of HUF 38,000 per assessment. The valuation and technical assessment are performed by experts appointed by the Bank. Under current promotional offers, the Bank credits the property valuation fee following disbursement of the loan.
- Erste Bank performs checks on the properties offered as collateral. Applicants must submit a copy of the title deed issued no more than 30 days previously and, where a detached house, semi-detached house or terraced house is offered as collateral, a copy of the cadastral map issued no more than 60 days previously. Under current promotional offers**, the fee is HUF 0 for two title deed copies obtained through TakarNet and one cadastral map copy obtained through TakarNet in connection with the loan transaction.
- If we conclude a loan agreement with you, it must be executed as a notarial deed, for which a notary’s fee must be paid. Under current promotional offers1, following disbursement of the loan, the Bank refunds an amount equal to the notary’s fee paid by the customer in connection with the loan transaction, up to a maximum of HUF 50,000.
- Erste Bank establishes a mortgage over the property or properties offered as collateral. The administrative fee for registering the mortgage is HUF 20,000 per property.
- When the loan is disbursed, the Bank charges a disbursement fee specified in the relevant Announcement. The amount must be available in the account. The disbursement fee may be reduced under current promotional offers**.
- One condition of loan disbursement is the opening of a retail bank account with Erste Bank. A monthly account maintenance fee applies. You can find information about the retail bank accounts offered by our Bank here (https://www.erstebank.hu/hu/ebh-nyito/mindennapi-penzugyek/szamlak/erste-egyszamla).
- In addition, home insurance must be taken out for the properties offered as collateral. The cost of this insurance is also payable by the borrower. You can find information about the home and other insurance products available from our Bank here.
Detailed terms and conditions of current promotions are set out in the Retail Loan Announcement in effect at the relevant time.
*Which initial costs do we refund or waive?
Following disbursement of the loan, the Bank credits an amount equal to the valuation fee to the customer’s loan repayment account.
A refund equal to the notary’s fee paid by the customer in connection with the loan transaction, up to a maximum of HUF 50,000.
The Bank sets the fee at HUF 0 for two title deed copies and one cadastral map copy obtained through TAKARNET in connection with the loan transaction.
The Bank waives the disbursement fee.
The borrowing process begins with the submission of the loan application. Following a detailed consultation, you can obtain the list of documents to be submitted with the application from our lending advisers at our branches.
Once all required documents have been submitted, the properties offered as collateral are valued and the borrower assessment is carried out.
If the loan application is approved, the loan agreement is concluded and must be executed as a notarial deed. The loan is disbursed after the mortgages over the properties offered as collateral have been registered and the other disbursement conditions specified in the loan agreement have been fulfilled. These conditions may include opening an account, taking out property insurance, paying the down payment in the case of a property purchase, and investing the applicant’s own funds in the case of construction.
Under optimal circumstances, the entire process can be completed within two to three weeks.
It is a document issued by the Bank specifying the amount and terms of the housing loan that may be granted based on your verified income and creditworthiness.
Submitting the application: When purchasing a newly built or existing home, the loan application may be submitted without a signed property sale and purchase agreement.
Customer assessment: Your assessment is based on your verified income and an examination of your creditworthiness. If you meet the Bank’s risk criteria, you will receive a preliminary credit assessment certificate.
Submitting the sale and purchase agreement: The concluded property sale and purchase agreement, bearing confirmation of receipt by the land registry, may be submitted later within the four-month validity period stated in the preliminary credit assessment certificate. To obtain the loan amount specified in the certificate, property collateral of sufficient collateral value must be provided.
Final assessment: Following the valuation of the property, the final assessment is carried out taking into consideration the characteristics of the property offered as collateral.
You can also enquire directly about the available financing options by calling Erste TeleBank:
+36 1 298 0222
Erste Repayment Protection: Financing a property-related investment generally involves taking out a large loan with a long term. During a long loan term, various events may occur that make repayment difficult or impossible, such as unemployment, illness, disability or, in the worst case, death. Erste Repayment Protection offers a solution for covering these risks. If a customer becomes unemployed or unable to work, UNION Vienna Insurance Group Insurance Company Ltd. pays the monthly repayments for a specified period on the customer’s behalf, potentially on multiple occasions during the loan term. Plans that also include life insurance provide cover for the entire outstanding loan amount in the event of death, accidental death or disability. As this is a group insurance arrangement, it is available on highly favourable terms.
Life insurance: You may also take out traditional life insurance, which may be unit-linked. This allows you to build savings while also benefiting from life insurance cover. You can find information about the available plans here.
Erste Repayment Support Credit Card: If your housing loan is approved, you may apply for an Erste Repayment Support Credit Card through a simplified assessment process. The card helps you repay your loan. For purchases made in Hungary using a debit or credit card1, as well as purchases made abroad using a debit or credit card1, wherever the purchase is made, including supermarkets, petrol stations and pharmacies, HUF 100 is credited to the repayment account linked to your mortgage loan for every purchase exceeding HUF 3,000. In other words, the credited amount can be used to repay your loan.2
1 For this product, only a credit card is issued.
2 The simplified credit card assessment is available for applications receiving a positive loan decision, with the exception of parental financing. The offer is available to customers who have no negative information recorded in the Central Credit Information System, do not already hold an Erste Bank-issued credit card as the primary cardholder, and have a regular income, permanent address and contact telephone number, provided that Erste Bank approves the credit card application after also taking the customer’s income and existing debts into consideration. The Repayment Support promotion is available from 11 May 2009 until withdrawn. Details of the fee that may be offset through card purchases are set out in Annex 5, entitled “Credit Cards”, to the Retail Loan Announcement.
The loan may be used for any purpose. It is intended to finance expenses incurred by individuals for which they are unable or do not wish to take out a housing loan. This type of loan can therefore be used for any purpose of your choice.
The loan may be applied for by adult customers who have an income acceptable to the Bank and meet the Bank’s customer rating and credit assessment criteria. A person listed as a defaulting debtor in the Central Credit Information System (KHR) is not eligible for a loan.
If the loan applicant has a spouse or domestic partner, they must generally also participate in the transaction as a co-borrower. Additional co-borrower(s) or guarantor(s) may also be included to increase the household’s eligible income, which serves as the basis for the credit assessment, as explained below. In this case, these persons will also become parties to the loan transaction.
The owners of the properties offered as collateral participate in the loan transaction as mortgagors.
The amount you can borrow is primarily determined by the loan applicant household’s verified net income and the market value and collateral value assigned by the Bank to the properties offered as collateral. The loan amount may not exceed HUF 75,000,000. It may also not exceed 70% of the market value or 100% of the collateral value of the residential property or properties offered as collateral, as determined by the valuer. The amount that may be granted is also influenced by the customer rating established during the credit assessment.
The terms available for Home equity loans are:
Minimum:
5 years for a loan with a 10-year interest period
Maximum: 20 years
You may select any loan term within this range, provided that the term is a whole number of years.
The loan applicant must provide proof of income in all cases. A loan cannot be granted solely on the basis of the value of the properties offered as collateral.
Providing proof of sufficient income is one of the basic requirements for the approval of a loan application. Therefore, the applying household’s total net income, any existing loan debt and the monthly repayment instalments must be verified in all cases. Our Bank’s minimum requirements are:
for a single loan applicant, verified net income of at least HUF 214,000
for multiple loan applicants, combined verified net income of at least HUF 310,000.
The household’s income may be increased by involving additional co-borrower(s) or guarantor(s). The amount of the loan granted by the Bank is determined on the basis of the ratio between verified income and monthly loan repayments, taking into consideration the properties offered as collateral and the maximum loan amount permitted by law.
Home equity loans are mortgage-backed loans, so property collateral must be provided in all cases. The required value of the collateral depends on the requested loan amount. A maximum of three properties may be offered as collateral for a single loan transaction.
Only independently marketable property located in Hungary, free from litigation, encumbrances and third-party claims, and in a completed technical condition may serve as collateral for the loan transaction. There are no restrictions concerning the relationship between the owner of the property offered as collateral and the loan applicant. Therefore, anyone may offer property as collateral for a loan transaction.
The Bank accepts the following types of property as collateral: apartments, detached houses, terraced houses, semi-detached houses, holiday homes, weekend houses, undeveloped building plots and garages.
No, since no specific financing purpose needs to be stated.
The loan’s monthly repayment is determined by the loan amount, interest rate and term. The Bank does not charge an account management fee for Home equity loans.
Our calculators allow you to calculate the exact monthly repayment for the requested loan, the associated costs, the total amount repayable and the annual percentage rate of charge (APR).
Our calculators also include a printable information document that complies with current legislation and provides detailed information about the individual loan products.
The loan is denominated in Hungarian forints. The following market-rate mortgage loans have variable interest rates: loans with a 10-year interest period.
Loan with an interest rate fixed for specified interest periods:
The interest period is 10 years. The interest rate may change at the end of each interest period.
You may request an interest rate discount depending on the condition you undertake to meet when submitting your loan application. Every six months, the Bank reviews whether the conditions associated with the selected discount category have been met. If the undertaken condition has not been met during the three consecutive months preceding the review, the discount category will cease to apply. In this case, until the next review period of six months, you will not be entitled to the terms associated with the discount category specified in your agreement. The applicable interest rate will therefore be increased by the amount of the contractual interest rate discount. If you once again meet the condition undertaken in the loan application, you will automatically become eligible for the discount again from the first payment due date following compliance.
Changes in the loan’s interest rate will result in changes to the monthly repayment instalments. Erste Bank may amend the agreement unilaterally no more than five times during the loan term.
Interest rate adjustment indicator:
A publicly available ratio that objectively reflects changes in circumstances connected with the refinancing costs of lending and the provision of credit that are outside the scope of business risk, cannot be influenced by lenders, are independent of lenders and cannot be prevented by them. This ratio serves as the basis for calculating changes to the interest rate. The interest rate adjustment indicator applied by the Bank is H3K.
Interest margin adjustment indicator:
The interest rate adjustment indicator serving as the basis for modifying the interest margin. The interest rate adjustment indicator applied by the Bank is H2F. The interest margin, interest rate adjustment indicator and interest margin adjustment indicator applied by Erste Bank are set out in the relevant Announcement.
Various costs may arise before and after the disbursement of a housing loan:
- When purchasing a property, a sale and purchase agreement must be concluded. The lawyer’s fee is generally 0.5–1.5% of the purchase price.
- If the planned work requires a building permit, building permit plans must be prepared and submitted to the competent authority when applying for the permit. Planning and obtaining the permit also involve costs.
- The properties offered as collateral must be valued. The valuation fee is HUF 55,000 for an apartment and HUF 70,000 for a residential house. If work requiring a building permit is also financed, a technical assessment based on the construction budget is required, for a fee of HUF 38,000 per assessment. The valuation and technical assessment are performed by experts appointed by the Bank. Under current promotional offers, the Bank credits the property valuation fees following disbursement of the loan.
- Erste Bank performs checks on the properties offered as collateral. Applicants must submit a copy of the title deed issued no more than 30 days previously and, where a detached house, semi-detached house or terraced house is offered as collateral, a copy of the cadastral map issued no more than 60 days previously. Under current promotional offers**, the fee is HUF 0 for two title deed copies obtained through TakarNet and one cadastral map copy obtained through TakarNet in connection with the loan transaction.
- If we conclude a loan agreement with you, it must be executed as a notarial deed, for which a notary’s fee must be paid. Under current promotional offers1, following disbursement of the loan, the Bank refunds an amount equal to the notary’s fee paid by the customer in connection with the loan transaction, up to a maximum of HUF 50,000.
- Erste Bank establishes a mortgage over the property or properties offered as collateral. The administrative fee for registering the mortgage is HUF 20,000 per property.
- When the loan is disbursed, the Bank charges a disbursement fee specified in the relevant Announcement. The amount must be available in the account. The disbursement fee may be reduced under current promotional offers**.
- One condition of loan disbursement is the opening of a retail bank account with Erste Bank. A monthly account maintenance fee applies. You can find information about the retail bank accounts offered by our Bank here ( https://www.erstebank.hu/hu/ebh-nyito/mindennapi-penzugyek/szamlak/erste-egyszamla ).
- In addition, home insurance must be taken out for the properties offered as collateral. The cost of this insurance is also payable by the borrower. You can find information about the home and other insurance products available from our Bank here.
Detailed terms and conditions of current promotions are set out in the Retail Loan Announcement in effect at the relevant time.
*Which initial costs do we refund or waive?
Following disbursement of the loan, the Bank credits an amount equal to the valuation fee to the customer’s loan repayment account.
A refund equal to the notary’s fee paid by the customer in connection with the loan transaction, up to a maximum of HUF 50,000.
The Bank sets the fee at HUF 0 for two title deed copies and one cadastral map copy obtained through TAKARNET in connection with the loan transaction.
The Bank waives the disbursement fee.
Under optimal circumstances, the entire process can be completed within two to three weeks and consists of the following steps:
Submitting the loan application: Following a detailed consultation, you can obtain the list of documents to be submitted with the loan application from our lending advisers at our branches.
Property valuation and borrower assessment: Once all required documents have been submitted, the properties offered as collateral are valued and the borrower assessment is carried out.
Concluding the loan agreement: If the loan application is approved, a loan agreement is concluded and must be executed as a notarial deed.
Loan disbursement: The loan is disbursed after the mortgages over the properties offered as collateral have been registered and the other disbursement conditions specified in the loan agreement, such as opening an account and taking out property insurance, have been fulfilled.
Following disbursement of the loan, the Bank credits an amount equal to the valuation fee to the customer’s loan repayment account.
A refund equal to the notary’s fee paid by the customer in connection with the loan transaction, up to a maximum of HUF 50,000.
The Bank sets the fee at HUF 0 for two title deed copies and one cadastral map copy obtained through TAKARNET in connection with the loan transaction.
The Bank waives the disbursement fee.
Erste Repayment Protection: Financing with a Home equity generally involves taking out a large loan with a long term. During a long loan term, various events may occur that make repayment difficult or impossible, such as unemployment, illness, disability or, in the worst case, death. Erste Repayment Protection offers a solution for covering these risks. If a customer becomes unemployed or unable to work, UNION Vienna Insurance Group Insurance Company Ltd. pays the monthly repayments for a specified period on the customer’s behalf, potentially on multiple occasions during the loan term. Plans that also include life insurance provide cover for the entire outstanding loan amount in the event of death, accidental death or disability. As this is a group insurance arrangement, it is available on highly favourable terms.
Insurance: You may take out traditional life insurance through the Bank, which may also be unit-linked. This allows you to build savings while also benefiting from life insurance cover.
*The savings of up to HUF 150,000 available through the reimbursement of initial costs may consist of the following amounts:
Valuation fee, up to the fee for the first assessment, credited to the customer’s loan repayment account after disbursement
Notary’s fee: a credit equal to the fee paid by the customer in connection with the loan transaction, up to HUF 50,000.
Title deed and cadastral map copy fees: a credit equal to the fee for up to two title deed copies and one cadastral map copy obtained through TAKARNET in connection with the loan transaction.
A credit equal to the amount of the disbursement fee.
Reimbursement is based on the costs actually paid and documented, subject to the maximum amounts above. For a higher loan amount, the reimbursement may also be higher, subject to the overall maximum discount of HUF 150,000. Further conditions for using the discount are set out in the relevant agreement and Announcement.
Example: For a home loan of HUF 4,000,000, savings of up to HUF 150,000 may consist of the following:
Valuation fee: HUF 55,000.
Notary’s fee: HUF 50,000.
Title deed copy fee: 2 copies at HUF 4,800 each, totalling HUF 9,600.
Disbursement fee: 1% of the loan amount, i.e. HUF 40,000.
Total savings: HUF 150,000 (taking into account the maximum limit of HUF 150,000)
Representative examples
10-year interest period
20-year FIXED loan
loan interest rate:
6,74%
6,85%
type of loan interest rate:
fixed for specified interest periods
fees, commissions, costs and taxes included in the total cost of the loan:
monthly repayment amount during the first interest period:
HUF 91,172
HUF 91,958
loan collateral:
mortgage registered over the property
number of repayment instalments:
240
240
equal or unequal instalments
equal instalments
** The displayed APR and representative example apply to a market-rate housing loan of HUF 12 million with a 20-year fixed term, a 10-year fixed interest rate and discount category 1.
***The displayed APR and representative example apply to a market-rate housing loan of HUF 12 million with a 20-year fixed term, a 20-year fixed interest rate and discount category 1.
The APR was determined in accordance with current applicable legislation and may change if the conditions change. The APR does not reflect the loan’s interest rate risk. The loan is secured by a mortgage registered over the property. The lender does not know the premium for the property insurance required for the property serving as collateral, so it is not included in the APR. To use the product, property insurance assigned in favour of the Bank and a retail bank account held with Erste Bank are required. Further details and conditions are set out in the Retail Loan Announcement in effect at the relevant time.
This communication was prepared in consideration of the legislation effective on 1 July 2026.
The Bank hereby informs you that you may withdraw this consent at any time by submitting a statement to the Bank in person at any branch or at the following addresses: 1138 Budapest, Népfürdő utca 24-26 or erste@erstebank.hu. During data processing, the Bank uses third parties acting as data processors in accordance with the Privacy and Personal Data Processing Notice available on the Bank’s website. The Bank also informs you that, regarding the lawfulness of data processing, you may initiate proceedings before the Hungarian National Authority for Data Protection and Freedom of Information, address: 1055 Budapest, Falk Miksa utca 9-11.; postal address: 1363 Budapest, P.O. Box 9; website: www.naih.hu; telephone: +36 (1) 391-1400; fax: +36 (1) 391-1410; central email address: ugyfelszolgalat@naih.hu, or apply to the competent court. Before contacting the Authority or the court, we recommend contacting our Data Protection Officer at Adatvedelem@erstebank.hu.
*The savings of up to HUF 150,000 available through the reimbursement of initial costs may consist of the following amounts:
Valuation fee, up to the fee for the first assessment, credited to the customer’s loan repayment account after disbursement
Notary’s fee: a credit equal to the fee paid by the customer in connection with the loan transaction, up to HUF 50,000.
Title deed and cadastral map copy fees: a credit equal to the fee for up to two title deed copies and one cadastral map copy obtained through TAKARNET in connection with the loan transaction.
A credit equal to the amount of the disbursement fee.
Reimbursement is based on the costs actually paid and documented, subject to the maximum amounts above. For a higher loan amount, the reimbursement may also be higher, subject to the overall maximum discount of HUF 150,000. Further conditions for using the discount are set out in the relevant agreement and Announcement.
Example: For a home loan of HUF 4,000,000, savings of up to HUF 150,000 may consist of the following:
Valuation fee: HUF 55,000.
Notary’s fee: HUF 50,000.
Title deed copy fee: 2 copies at HUF 4,800 each, totalling HUF 9,600.
Disbursement fee: 1% of the loan amount, i.e. HUF 40,000.
Total savings: HUF 150,000 (taking into account the maximum limit of HUF 150,000)
Representative examples
10-year interest period
loan interest rate:
9,09%
type of loan interest rate:
fixed for specified interest periods
fees, commissions, costs and taxes included in the total cost of the loan:
14 179 310 HUF
total amount of the loan:
12 000 000 HUF
loan term:
240 months
annual percentage rate of charge:
9,55%
total amount payable:
26 179 310 HUF
monthly repayment amount during the first interest period:
108 663 HUF
loan collateral:
mortgage registered over the property
number of repayment instalments:
240
equal or unequal instalments
equal instalments
The displayed APR and representative example apply to a home equity loan of HUF 12 million with a 20-year fixed term, a 10-year fixed interest rate and discount category 1.
The APR was determined in accordance with current applicable legislation and may change if the conditions change. The APR does not reflect the loan’s interest rate risk. The loan is secured by a mortgage registered over the property. The lender does not know the premium for the property insurance required for the property serving as collateral, so it is not included in the APR. To use the product, property insurance assigned in favour of the Bank and a retail bank account held with Erste Bank are required. Further details and conditions are set out in the Retail Loan Announcement in effect at the relevant time.
This communication was prepared in consideration of the legislation effective on 1 July 2026.
The Bank hereby informs you that you may withdraw this consent at any time by submitting a statement to the Bank in person at any branch or at the following addresses: 1138 Budapest, Népfürdő utca 24-26 or erste@erstebank.hu. During data processing, the Bank uses third parties acting as data processors in accordance with the Privacy and Personal Data Processing Notice available on the Bank’s website. The Bank also informs you that, regarding the lawfulness of data processing, you may initiate proceedings before the Hungarian National Authority for Data Protection and Freedom of Information, address: 1055 Budapest, Falk Miksa utca 9-11.; postal address: 1363 Budapest, P.O. Box 9; website: www.naih.hu; telephone: +36 (1) 391-1400; fax: +36 (1) 391-1410; central email address: ugyfelszolgalat@naih.hu, or apply to the competent court. Before contacting the Authority or the court, we recommend contacting our Data Protection Officer at Adatvedelem@erstebank.hu.
Loan amount
-
Loan term
8 év
Monthly repayment
-
Fixed interest rate
-
APR
Total cost of the loan
Total amount repayable
-
You could save this much with the more favourable interest rate:
