With a subsidised housing loan you can realise your plan: you can purchase the new apartment or house you’ve selected. We offer several kinds of loans; choose the one that best meets your needs! Indeed, it is worth familiarising yourself with our offer if you intend to build a house. APR: 5.27%1

Representative example: In case of a loan of HUF 5,000,000 mortgage loan for a term of 20 years, with a subsidized mortgage registered on a real property for young subsidized person (in case of 0-1 child), with a 5-year interest rate period, the loan’s interest rate varies in each interest rate period, rate of 6,00% per year, the number of instalments is 240 repayment, the monthly instalments in the first interest rate period total HUF  36 140 the APR1 may change in the additional interest rate periods as the interest rate changes, APR1: 6,34%. the total credit fee is HUF 3 693 498 (which, in addition to the standard interest rate, is composed of the following fee related to the transfer of the loan amount: HUF 17 500, fee for property registration procedure: HUF 12,600 per item; (lien registration request), fee for the title deed requested from the Takarnet system: HUF 1,000 per item). Total amount payable by the consumer: HUF 8 693 498. 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.

An account kept by UniCredit Bank and property insurance for the real estate serving as collateral, encumbered with a lien for our bank are the conditions for the disbursement of the loan.


What can you accomplish with the subsidised housing loan?

  • You can purchase a new apartment or house,
  • you can build a new home.

Please contact our branch staff or call us for further information.

What are the features of our subsidised mortgage loans?

  • The loan amount is HUF 1-12.5 million to purchase or build a new apartment or new house.
  • Term: 2-20 years.
  • You may fix the interest rate and repayments for 1 or 5 years.
  • APR: 5.27%1


What are the terms and conditions to apply?

  • You have an eligible property2.
  • You are aged at least 18 and will not be older than 65 when the loan matures. If you are aged more than 65 when the loan matures then you can apply for this loan with a life insurance policy as collateral, where UniCredit Bank is the beneficiary.
  • You have a landline or a mobile phone in your name.
  • You have had a retail HUF/EUR bank account at any Hungarian bank for at least 3 months.
  • You have a regular and certified net monthly income which is not less than the current net minimum wage.
  • You have been working at your current workplace for at least 3 months and have completed your trial period, or you have been a sole trader or a pensioner for at least one year.


Government Decree No. 134/2009 provides for the conditions and detailed rules for using state interest rate subsidies.


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 in Hungarian 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 do we offer in addition to the subsidised housing loan?

Do you plan to purchase or renovate a used apartment ? Please consider housing loans with a market interest rate.
If you do not comply with the conditions for state interest rate subsidy, consider housing loans with a market interest rate. Naturally, you can finance your construction or purchase of your new home from this. APR: 5.22-5.43%1 Click here for further information.


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!


Are you looking for home insurance to protect your apartment or house? Look at what Allianz Biztosító can offer.


Related materials


This information is not comprehensive. This information does not qualify as an offer; all the data stated herein are for information purposes only. The Bank reserves the right to make amendments. This information does not constitute any obligation for the bank to approve and disburse the loan. The bank assesses the applicant’s assets and income and the collateral value of the property securing the loan based on its own Loan Approval Regulations and the prevailing legal regulations. The terms and conditions of the loan product and any other conditions are included in the Bank’s Rules of Retail Business and the announcements under the title of the currently valid “Conditions for Loans provided by UniCredit Bank Hungary Zrt. for Private Customers”, as well as the List of Conditions.

1 The reference APR is calculated for a housing loan of HUF 5 million with a term of 20 years and an interest rate period of 1 year, disbursable for young supported persons (maximum age of applicant: 35 years, 0-1 child) for purchase, subject to additional conditions as set out in the applicable legislation, by taking into account one title deed retrieved from the TakarNet system, one request for the registration of a mortgage, and a loan account package, the fee due after the disbursement of the loan amount, the current amount and the valid legal regulations. Should the conditions change, including the change of the reference interest rate specified in the relevant legal regulation, the reference APR may also change. For loans with variable interest rates, the APR will not reflect the interest rate risk of the loan. When calculating the reference APR, the bank took into consideration that, as a promotional offer, it will reimburse the fee for establishing the collateral value for a property upon the disbursement of the loan. The APR was defined based on the subsidised housing loan conditions valid from 1st of November 2020.

2 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.

3 The APR has been determined with respect to the current conditions, prevailing legal provisions and the Active discount applicable for the whole term of the loan in the case of performance of the contractual conditions, and may be altered if the conditions change; the APR does not reflect the interest rate risk of loans with variable interest rates.

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