Stable Interest Loan

With our Stable Interest Loan you can realise your property purchase, refurbishment or construction plans, indeed, you can spend the loan on a goal selected at your discretion. 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: 7,31%-8,85%

We offer discounts for our Stable Interest Loan:

• we shall refund you the property valuation fee and the fee for the notarial deed (maximum HUF 50,000);
• we shall waive the transfer fee of your loan amount and
• the fee for the unofficial copy of the map, accessed from the Takarnet system;

Interest rate requirements:

• Active discount
  At least HUF 200,000 should be credited² to the bank account used for the repayment of your loan each month through transfer, and you should make purchases with your UniCredit bank account for at least HUF 15,000³.

• Premium active interest rate
  At least HUF 350,000 should be credited² to the bank account used for the repayment of your loan each month through transfer and the availability of an adequate Generali credit protection insurance relating to the loan⁴.
  
  
• TOP premium active interest rate
  Aat least HUF 500,000 should be credited² to the bank account used for the repayment of your loan each month through transfer, the availability of an adequate Generali credit protection insurance relating to the loan^4, and a property insurance taken by the Borrower in a UniCredit branch for the property offered as collateral (unless you already have property insurance with the Allianz insurance company for the property used as collateral for the loan).

Our preferential conditions for the loan with an interest rate discount will be valid until withdrawn.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 12,000,000 mortgage loan (mortgage registered on a real property) with fixed market interest rate. The total credit fee consists of the transaction interest and HUF 20 000 property registration procedure fee and HUF 4 800 fee for the official title deed accessed from the Takarnet system.

- Fixed transaction interest rate for a tenor of 20 years, with 240 repayments p.a. on home loans and refinanced home loans: 6,95%, fixed repayment amount: HUF 93 550; APR1: 77,31%, the total credit fee: HUF 10 436 039, total amount payable by the consumer: HUF 22 436 039.

-Fixed transaction interest rate for a tenor of 10 years, with 120 repayments p.a. on general purpose  and other loan redemption: 10,60%, fixed repayment amount: HUF 164 356; APR1: 11,35%, the total credit fee: HUF 7 647 928 total amount payable by the consumer: HUF 19 647 928.

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.