K&H home loans

  • with up-front fee discounts
  • interest discount opportunity
  • APR: 6,5–8,6%
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the K&H green home loan product has been launched with a wide range of loan purposes!

  • for new purchase
  • for purchase & renovation (2in1 loan)
  • for construction
  • for renovation
  • for modernization

the price of the energy certificate is refunded!

for details and conditions, please visit any K&H branch.

The green product name is not based on a full assessment of the conformity criteria of the EU Taxonomy Regulation. The loan programme is in line with the terms and conditions of the Green Capital Allowance for Housing Programme announced by the MNB.

K&H home loan calculator

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The calculation is based on a non-subsidised K&H home loan with standard up-front fees and standard conditions as stated in the relevant Announcement, assuming that those conditions remain unchanged throughout the entire term.  
The annual interest rate and thus the monthly instalments are decreased by the chosen interest discounts. This calculation does not constitute an offer and does not replace the standard credit.
Representative example for qualified customer friendly mortgage loans with 5 years interest period:
For HUF 12 million loan with a 240-month term, with a variable annual interest rate of 7,19% (based on 5Y interest rate period); with home insurance and online discount, monthly repayment instalment HUF 94 409, total amount to repaid HUF 22 866 800, total loan charges HUF 10 866 800; within this latter, fees and costs HUF 208 640. The annual percentage rate (APR) is 7,6%.
The loan is provided by K&H bank. Number of instalments: 240. The loan is secured by real estate mortgage. Property insurance must be taken out for the real estate securing the loan.

are you interested in other loan goals? interested
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why should you choose k&h home loan?

starting fee discounts:

  • we will refund you the notarial deed fee up to a maximum of HUF 40,000
  • we do not charge a contract fee
  • we refund the valuation fee for one property
  • we take over the fee for the title deed and, if necessary, the copy of the map
  • if the conditions are met

interest rate discounts:

  • discount for home insurance with K&H (0.1% discount from the transaction interest)
  • an additional 0.2% discount if you take out K&H life insurance or K&H payment protection insurance
  • home insurance and risk life insurance interest rate discounts are exempted for loans with an interest rate fixation of more than 10 years
  • these interest discounts may be combined

managed from home:

  • meeting at the bank branch is necessary only when we concluding the contract
  • we make a preliminary credit review over the phone
  • it is sufficient to submit the application documents by e-mail
  • we will notify you via SMS or telephone when the main points of the process are reached
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loan application process

Our new process allows you to decide when and where to arrange your loan application, it is sufficient to go to the bank in person only when you sign the contract.

more information
  • If you are thinking of borrowing, please ask for a callback on our website or visit the nearest K&H branch. Our colleagues will help you to choose the most appropriate loan based on your needs.
  • Upon your request, we will prepare a preliminary loan appraisal free of charge based on the data you have dictated, and at the same time you can find out the expected amount of repayment.
  • During the conversation, you can choose how you want to process the loan application in the future (at a K&H bank branch or online).
  • After that, we will send you an email with the needed documents for the application.
  • The credit expert of the K&H bank will contact you.
  • You must send the completed, signed and scanned (photographed) loan application documents and the documents required for the credit assessment to the credit expert by e-mail.

 We will send you an SMS about ordering the valuation

  • In case of complete documents, you don’t need to take further action on the review.
  • The loan claim is assessed on the basis of the appraised property and the proven income. The necessary valuation is ordered by a K&H loan expert. The valuation fee is also refunded in case of one property.
  • The appraiser will contact you to have a look at the property at an agreed time. The appraiser determines the market value of the property, of which the Bank normally lends up to 80%.
  • After that, the credit expert will contact you by phone to agree on the date of concluding the contract, and will inform you about the essential content elements and conditions of the loan. 
  • In case of a positive review, the Bank will prepare the loan agreement for you.
  • Before concluding the contract, we will send you the draft contract by e-mail, which we will provide at least 3 days to review. Our offer is valid for 15 days.

 We will send you an SMS about the credit assessment decision

  • When concluding a contract, you must sign the completed documents on paper form, which have been already returned by e-mail to the bank branch. You must also present / submit the original documents required for the credit assessment.
  • The credit expert will check that the original documents match the documents sent by email. In case of discrepancy, the Bank will not maintain its offer, it will be considered as a new application.
  • Then comes the signing of the loan agreement.
  • The loan agreement must be notarized. We also help you with this administration.
  • We also accept the authentic publication of the notarial deed in electronic form, sent by a notary public to the bank's portal from „Cégkapu” webpage. You can still sign the notarial deed only in person at the notary's office.

 We will send you an SMS about the completion of the loan agreement

  • We transfer the amount of the loan to the person specified in the sales contract.
  • The Bank's lien will be registered on the property until you repay the loan.
  • After disbursement, as agreed in the loan agreement, ensure that the amount of the installment is available in the specified bank account at all times.

 We will send you an SMS about the disbursement

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Frequently Asked Questions

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documents

General Terms and Conditions
General Terms and Conditions of retail loans

We draw your attention to the consumer protection website of Financial Navigator Advisory of the National Bank of Hungary where you can find useful product descriptions and various applications for comparison (loan calculator, budget calculator for households).

This material does not constitute an offer. The Bank reserves the right to change the conditions. A detailed description of the product and its terms and conditions can be found in the relevant loan contract; the General Contracting Terms and Conditions applicable to retail loans; in K&H Bank’s General Terms and Conditions; and the Announcement on K&H’s personal loans, which can be viewed in our bank branches and on the www.kh.hu website.

The fees, costs and interest rates in the above advertisement have been defined according to the Announcement on K&H’s personal loans. The calculator constitutes a representative example. See the “list of documents required for consumer loan application” under the “documents” tab for the specific documents required for loan application, or visit a K&H branch for further information. The approval of a loan application is always subject to evaluation by the Bank.