With our “Foresee” home loans, you can get to know that you are eligible for the requested loan amount and then you will have six months to choose your new home. APR: 3.18 -7.09%1


Would you like to know the amount of the loan before your home purchase? Based on your income and creditworthiness, we will issue a loan amount certificate valid for half a year after the receipt of all the documents required for the application. In this way, you will know that you are eligible for the requested loan amount or based on your creditability evaluation if you are eligible for less amount than the requested than how much you can get to purchase a property, may it be a new or a used apartment or a house. Then you will have 6 months to find your new home, since you will know the loan amount that you are eligible for, so you will know the limit for your home purchase. The loan amount on the certificate will be valid for the purchase of an eligible1 residential property and the fulfillment of other loan assessment conditions.


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 “Foresee” loan?

  • “Foresee” is a home mortgage loan at market interest rates that can be applied for the purchase of new and previously occupied homes or houses. APR: 3.53-7.09%1
  • The “Foresee” Home-Making Loan can be applied for with home-making interest subsidies for the purchase of previously occupied homes and houses if you and the home to be purchased comply with the legal conditions3. The additional conditions are included in the bank’s Announcements. APR: 3.18-5.14%2


What are the main features of our “Foresee” loan?

  • Loan amount
    • HUF 1-40 million for the “Foresee” loan.
    • HUF 1-10 million for the “Foresee Home-Making Loan”.
  • Term: 2-30 years.
  • You may fix the interest rate and the instalments.
    • For the “Foresee” loan for 1, 3, 5 or 10 years or you may opt for our Stable Interest loan with a fixed interest rate and identical repayments for the whole term of 10, 15 or 20 years. APR: 5,16-8,33%
    • For 1 or 5 years for the “Foresee Home-Making Loan”.

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

What discounts are offered in relation to our “Foresee” loan?

You will be entitled to an Active discount4, i.e. 0.50% from the standard interest rate for the whole term of the loan, if you fulfil the following requirements:

  • at least HUF 120,000 are transferred to your bank account every month5 and
  • you use your debit card for purchases6 of a minimum amount of HUF 15,000 per month.

With regard to a “Foresee” 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.


Conditions for application

  • You have an eligible property.
  • 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 an active retail bank account at any Hungarian bank for at least 2 months.
  • You have a regular and certified net monthly income which is not less than the currently effective 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.


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 we offer in addition to the “Foresee” loan...

Everyday “gold reserves”

The overdraft facility provides flexible assistance for the daily management of your finances, since you can settle your accounts even in the event of unexpected expenses. APR: 23.76%7. Further details


Enjoy the benefits of prior home savings.

Our dual loan combines the benefits of a subsidised housing loan and prior home savings. You will be entitled to a state subsidy as well as deposit interest on your regular monthly savings. When the term of your Fundamenta home savings contract expires, our bank will use the total savings as repayment of your outstanding debt. Further details


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 property insurance to protect your home? Look at what Generali Biztosító can offer.

Related documents

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 modifications. 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 Business Regulations for Retail Clients and the announcements under the title of “Conditions for Loans provided by UniCredit Bank Hungary Zrt. for Private Customers” as well as the List of Conditions.


1 In order to be eligible to use the loan amount on the certificate, property collateral with an appropriate market value is needed. The actual loan amount may not exceed 80% of the market value of the property also accepted as eligible by the bank, or HUF 10 million in the case of the Foresee Home-Making Loan. 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.

2 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 - in the case of reference rate-based interest rates also including a change in the reference rate - change.

3 In the case of the Foresee Home-Making Loan, the conditions for receiving the home-making interest rate subsidy specified in Government Decree No. 341/2011 (XII.29.) (hereinafter: the Decree) must be met. When issuing the certificate, the bank will not inspect eligibility for the home-making interest rate subsidy since it is only possible when the sales contract or the documents required in the Decree have been submitted.

4 If the extent of the interest payable by the client is less than the minimum interest payable (currently: 6.00%) according to Government Decree No. 341/2011. (XII.29.) (hereinafter: the Decree), the extent of the Active discount will be decreased so that the interest payable by the client shall correspond to the minimum interest set out in the Decree. 

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

6 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.

7 The APR has been determined in consideration of the current conditions and the prevailing legal provisions, using a Loan bank account, and may be modified in the event of any changes in interest rates. The APR does not reflect the interest rate risk of the loan. The condition for receiving an overdraft facility is to have an account at UniCredit Bank.

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