With our Stable Interest Loan you can realise your property purchase, refurbishment or construction plans or settle your existing debts. 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: 4.51-5.94%
We offer discounts for our Stable Interest Loan:
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:
Our preferential conditions for the loan with an interest rate discount will be valid until withdrawn.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”.
Representative example: 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: 5.67%, fixed repayment amount: HUF 35,179; APR1: 5.94%, the total credit fee: HUF 3,453,513, total amount payable by the consumer: HUF 8,453,513.
-Fixed transaction interest rate for a tenor of 10 years, with 120 repayments p.a. on general purpose and other loan redemption: 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.
Fixed interest rate; no change in the repayments. The changes in the conditions of the money market will not have any impact on the repayments of your Stable Interest housing loan. Therefore, even if the base rate of the central bank, the 12-month Budapest inter-bank interest rate [BUBOR] or the regulatory environment changes, the interest rate of your Stable Interest mortgage loan will remain the same during the entire term of the loan. While the interest on loans with a variable interest rate may be increased or decreased depending on the circumstances and subject to the bank’s right to unilaterally modify the conditions stated in the banking agreement, the interest on this housing loan with a fixed interest rate will not change, so your loan remains predictable.
Please contact our branch staff or call us for further information.
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!
Are you looking for property insurance to protect your home? Look at what Allianz Biztosító can offer.
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.