Stable Interest Loan
With our Stable Interest Loan you can realise your property purchase, refurbishment or construction plans or settle your existing debts, indeed, you can spend the loan on a goal selected at your discretion. Due to the fixed interest rate, this loan is predictable as your repayments will not change during the optional 5 or even 20 years (interval is 12 month) term. APR1: 4.51-5.62%
We offer discounts for our Stable Interest Loan:
- we shall refund you the property valuation fee and the fee for the notarial deed (maximum HUF 50,000);
- we shall waive the transfer fee of your loan amount and
- the fee for the unofficial title deed and copy of the map, accessed from the Takarnet system;
You will be entitled to a discount from the standard interest rate for the whole term of the loan, if you fulfil the following requirements:
- Active discount
The precondition for the 0.50% interest rate discount is that at least HUF 120,000 should be credited2 to the bank account used for the repayment of your loan each month through transfer, and you should make purchases with your UniCredit bank account for at least HUF 15,0003.
- Premium active discount
In case of 5-10 years (interval is 12 month) years Stable interest loan the precondition for the 1.00%, in case of 11-20 years (interval is 12 month) years Stable interest loan on home loans and refinanced home loans the precondition for the 0.70% interest rate discount is that at least HUF 300,000 should be credited2 to the bank account used for the repayment of your loan each month through transfer and the availability of an adequate Generali credit protection insurance relating to the loan4.
- TOP premium active discount
In case of 5-10 years (interval is 12 month) years Stable interest loan the precondition for the 1,30%, in case of 11-20 years (interval is 12 month) years Stable interest loan on home loans and refinanced home loans the precondition for the 0.85% interest rate discount is that at least HUF 300,000 should be credited2 to the bank account used for the repayment of your loan each month through transfer , the availability of an adequate Generali credit protection insurance relating to the loan4, and a property insurance taken by the Borrower in a UniCredit branch for the property offered as collateral.
Our preferential conditions for the loan with an interest rate discount will be valid until withdrawn. The terms and conditions of the preferential interest are included in the Bank’s currently effective announcement “Conditions for Loans provided by UniCredit Bank Hungary Zrt. for Private Customers - Mortgage Loans”.
There is a HUF 5,000,000 mortgage loan (mortgage registered on a real property) with fixed market interest rate. The total credit fee consists of the transaction interest and HUF 12,600 property registration procedure fee.
- Fixed transaction interest rate for a tenor of 20 years, with 240 repayments p.a. on home loans and refinanced home loans: 5.37%, fixed repayment amount: HUF 34 317; APR1: 5.61%, the total credit fee: HUF 3,234,673, total amount payable by the consumer: HUF 8,234,673.
- Fixed transaction interest rate for a tenor of 10 years, with 120 repayments p.a. on loans for unlimited use and other refinanced loans: 5.90%, fixed repayment amount: HUF 55,806, APR1: 6.21%, the total credit fee: HUF 1,672,761 total amount payable by the consumer: HUF 6,672,761.
The premium of the property insurance policy taken for the property used as collateral is not known to the creditor, and is therefore not included in the APR
|In the Mastercard – The Bank of the Year 2019 Hungary competition our Stable Mortgage Loan Bank won the third place in the „The Loan Product of the Year” category.|
This information is not comprehensive and does not qualify as an offer; all the data stated herein are for information purposes only. The terms and conditions of the loan product and any other conditions are included in the Bank’s Business Regulations for Retail Clients and the announcements under the title of Conditions for Loans provided by UniCredit Bank Hungary Zrt. for Private Customers - Mortgage Loans as well as the List of Conditions. The bank assesses the applicant’s income and the collateral value of the property securing the loan based on its own Loan Approval Regulations and the prevailing legal regulations. The bank’s decision relating to granting a loan shall be made in accordance with the conditions outlined in its Retail Business Regulations, List of Conditions and Announcement, based on its loan assessment. The Bank reserves the right to amend the conditions. This information does not constitute any obligation for the bank to approve and disburse the loan.
1 The APR has been determined in consideration of the current conditions and the prevailing legal provisions, and may be modified in the event of any changes in interest rates.
2 Transfers between your own accounts within the bank are not considered for the requirement of the Active-, Premium active-, or TOP premium active discount and the active discount.
3 Any of the HUF transactions below that are launched/initiated shall be regarded as purchase activities: If you make any purchases within Hungary using any POS terminal, or place an order through the internet, or place a phone order and such transaction appears as an item recorded in your account statement for the given period.
4 The Generali loan insurance can be concluded by the client as an insured party by joining a group loan insurance concluded by the Bank as a contracting party, and such insurance has to be maintained during the whole term of the loan with continuous premium payment.
5 The actual loan amount may not exceed 80% of the market value of the property also accepted by the bank. The bank calculates the disbursable loan amount based on the market value by applying the relevant legal regulations, an individual assessment and following the valuation of the property.