Representative example with Active discount: In case of a loan of HUF 5,000,000 mortgage loan for a term of 20 years, with a general purpose mortgage registered on a real property, with a 5-year interest rate period, the loan’s interest rate varies in each interest rate period, rate of 4.76% per year, the number of instalments is 240 repayment, the monthly instalments in the first interest rate period total HUF 32,600, the APR1 may change in the additional interest rate periods as the interest rate changes, APR1: 4.97%. the total credit fee is HUF 2,837,765, (which, in addition to the standard interest rate, is composed of the following 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 7,837,765. 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.
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.
You decide what you spend the loan amount on, whether it’s
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You will be entitled to an Active discount from the standard interest rate, - in case of 5 and 10 year interest rate period loan and Stable interest loan i.e. 0,50%, - for the whole term of the loan, if you fulfill the following requirements:
You will be entitled to a Premium active discount from the standard interest rate, - in case of 5 and 10 year interest rate period loan and Stable interest loan with duration of 5 - 10 years i.e. 1.00%, Stable interest loan with duration of 11 - 20 years i.e. 0.70%, - for the whole term of the loan, if you fulfill the following requirements:
You will be entitled to a TOP Premium active discount from the standard interest rate, - in case of 5 and 10 year interest rate period loan and Stable interest loan with duration of 5 - 10 years i.e. 1.30%, Stable interest loan with duration of 11 - 20 years i.e. 0.85%, - for the whole term of the loan, if you fulfill the following requirements:
With regard to a general purpose mortgage 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.
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”.nth.
You may apply for a UniCredit general purpose mortgage loan if you are a resident natural person with full capacity of action, and
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.
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 Biztosító may provide assistance for you so that your repayment obligation can be fulfilled without any problems. Further details
Are you planning an apartment renovation?
You can use our Stable Interest loan. THM: 4.51-19.86%6
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 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; the APR does not reflect the interest rate risk of loans with variable interest rates.
2 The actual loan amount may not exceed 70% 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 Transfers between your own accounts are not considered for the requirement of the Active, Active plus-, Premium active-, TOP Premium 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.
5 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.
6 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.