Our Refurbishment Loan is intended to finance your investments in your home. Whether it’s refurbishment, new kitchen cupboards, heating modernisation or the replacement of doors and windows, you can start to realise your plans right away since you do not have to pay the costs in one amount; you will have time to pay in monthly installments over the term. Our loan not secured by a property involves simple administration and you don’t have to pay any disbursement commission. Our loan offering a flexible solution is predictable, since the interest rate is fixed for the entire five year repayment term. APR1: 21.93%


We also offer an interest rate discount to go with our Refurbishment Loan: if you choose our bank to manage your finances, you are eligible for an Active discount, the details of which can be accessed below. APR with Active discount1: 18.38%.


A representative example: In the event of applying for a HUF 3 million Refurbishment Loan for a 5 year term, the standard interest rate is 19.99% annually; the standard loan interest rate period is 5 years, i.e. identical to the term, therefore the interest rate on the loan is fixed throughout its term. The annual percentage rate (APR1) of the loan is 21.93%; the monthly repayment is HUF 79,465. If the loan is contracted according to the conditions set out herein, the total amount repayable by the client is HUF 4,767,898; the total cost of the loan is HUF 1,767,898.


The loan amount is disbursed to a UniCredit bank account and the loan is likewise repayable from this account; your bank account must therefore be maintained throughout the term of the loan.

What can you accomplish with the Refurbishment Loan?

You decide what you spend the loan amount on, whether it’s

  • financing property refurbishment, redesign, improvement works and the related tools,
  • home modernisation and expansion,
  • the acquisition of furniture, furnishing articles or household appliances.

We do not require invoices for the completed renovation works or the acquired tools etc. as proof of fulfilling the goal of the loan; only a simplified budget2 will be needed upon your application. The bank is entitled to check the fulfilment of the goal of the loan.
Please contact our branch staff or call us for further information.

What are the main features of our personal loan?

  • HUF 0 disbursement commission.
  • Loan amount: HUF 500,000 – 5,000,000.
  • Predictable: you can simply include our loan in your calculations, because the interest rate is fixed throughout the 5 year term and therefore so are the repayments.
  • You don’t need to offer your home as collateral.
  • Simple administration  ̶  if we get a positive credit assessment, you can access the loan amount a few days after submitting the complete documentation.
  • You can increase the amount of the loan you take out by involving a co-applicant.
  • If you manage your finances at our bank, you may be eligible for an Active discount.


See the Customer Information in Hungarian for detailed application conditions. Our staff will be happy to inform you of the conditions for the application, as well as the required documents, in our branches or on the +36 1 325 3200 phone number.

What discounts are offered in relation to the personal loan?

We offer a 3% Active discount from the normal interest rate for the entire term of the loan, if you comply with the requirements:

  • at least HUF 90,000 are transferred to your bank account every month3 and
  • you should use your debit card for purchases4 of a minimum amount of HUF 15,000 per month.

The APR in the event of an interest rate discount1 is 18.38%. With regard to a Refurbishment Loan applied for as part of this promotional offer, which is valid until withdrawn, with the exception of the first 2 months of the term, the bank shall inspect compliance with the necessary conditions monthly, for the period between the first and last day of each calendar month. If you fail to meet the requirements in a reviewed month, you will not be entitled to the interest discount in the subsequent month.

Decide responsibly on taking out a loan!

The Responsible Lending and Banking Terms and Definitions may help you become more knowledgeable on contracting a loan, while at the website of the Hungarian National Bank’s Financial Customer Protection Centre in Hungarian you can find product descriptions that help you make responsible decisions, as well as applications that help you make comparisons. Please make a responsible and prudent decision with respect to taking out a loan, taking your income into account.

What we offer in addition to the Refurbishment loan

You can modernise and renovate your home with our Renovation mortgage loan. Click here for further information. Holding an account managed by UniCredit Bank and property insurance subject to a bank lien and relating to the property offered as security is a precondition for loan disbursement. UniCredit Bank has joined the Code of Conduct and is bound by its provisions. APR1: 4,77-7,25%


Choose a UniCredit account for your everyday finances

You can reduce the monthly account management fee of numerous accounts if your income is credited to a UniCredit bank account. Contact our colleagues at any of our branches; they can help you to choose the bank account that best suits your needs. Use our website to calculate which bank account best suits your needs. Count on us!


Loan insurance can provide security in your finances.
In unexpected, difficult situations, in the event of sickness, long-term unemployment or the loss of your ability to work, Generali-Providencia Biztosító may provide assistance for you so that your repayment obligation can be fulfilled without any problems. Further details


The Bank reserves the right to amend the conditions. The information is not comprehensive and this advertisement does not qualify as a contractual offer. The loan conditions are outlined in UniCredit Bank’s List of Conditions for private individuals and the bank’s Announcement on the conditions for loans extended to private individuals. The bank reserves the right to amend conditions. 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 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 A simplified budget is required for the application; the bank is entitled to check the fulfilment of the goal of the loan.

3 Transfers between your own accounts are not considered for the requirement of the Active discount.

4 All 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.

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UniCredit Bank Hungary Zrt.

Head Office: 1054 Budapest, Szabadság tér 5-6.
Post address: 1242 Budapest Pf. 386

Tel.: +36 (1/20/30/70) 325 3200
Fax: 06/1-353-4959

Bank code: 109
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