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HEALTH LOAN

 

A Health Loan may be useful for major healthcare expenses. Various screening tests, the purchase of a medical aid, or a surgery may be costly. The required amount might not be at your disposal in such a difficult situation. A Health Loan may provide a flexible solution: following approval and contracting, the bank will transfer the loan to the Medicina Health Fund as your payment, which you can conveniently spend for medical purposes.  APR1: 24.38%)


We also offer an interest rate discount to go with your Health Loan: if you choose our bank to manage your finances, you are eligible for an Active interest rate discount as detailed below. APR with Active interest rate discount1: 20.66%


A representative example
In the event of applying for a HUF 1,5 million Health Loan for a 5 year term, the standard interest rate is 18.97% annually; the standard loan interest rate period is 5 years, i.e. identical to the term, therefore the interest rate on the loan is fixed throughout its term. The annual percentage rate (APR) of the loan is 24.38%; the monthly repayment is HUF 38,886. If the loan is contracted according to the conditions set out herein, the total amount repayable by the client is HUF 2,425,664; the total cost of the loan is HUF 925,664.


The amount of the loan is first disbursed to a collateral account with UniCredit, from which it is transferred to your Medicina Health Fund account. The loan is repayable from a UniCredit bank account, which must therefore be maintained throughout the term of the loan.

What can you use a Health Loan for?

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The information is not comprehensive and this advertisement does not qualify as a contractual offer. The detailed terms are set out in a separate list of conditions for Health Account Packages and Health Loans. The bank reserves the right to amend conditions. 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.

 

1 The APR indicated has been determined in consideration of the current conditions, the prevailing legal provisions and the loan account. Its terms may be modified in the event of any changes in interest rates.

2 For purposes of this information, according to Section 44/A (1) of Act CXVII of 1995 on personal income tax, the amount transferred from the tax to the health fund account is considered as a tax allowance, taking into account that the allowance used from the voluntary mutual insurance funds cannot exceed HUF 150,000 in the tax year. You can utilise it if the tax of your aggregate tax base for the tax year provides coverage on the deduction of the tax allowances, you have paid the tax to the tax authority and the other conditions for it as included in the PIT Act also prevail.

3 Transfers between your own accounts are not considered for the requirement for the Active interest rate 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.

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