K&H personal loan

a predictable solution for any purpose

  • even 100% online repayment insurance
  • APR: 8.5–14.2%
  • no real estate collateral

K&H cash loan calculator

loan amount
HUF
duration
year(s)
= month(s)
HINT
above 1 million forint loan amount you can apply for loan with better conditions
0 result
loan.no-result-count
intalment annual fixed interest rate APR total amount to be repaid total interest discount  
intalment annual fixed interest rate APR total amount to be repaid total interest discount  
result of your calculation:
monthly repayment
loan amount
duration

Representative example for normal cash loan above 150 000 HUF monthly net income:
For a 60-month, HUF 3 million loan, the monthly repayment instalment with money transfer discount is HUF 66 718 at a fixed 11,99% annual interest rate. The total amount to be repaid is HUF 4 059 000 and the loan charges are HUF 1 059 000, of which fees and costs amount to HUF 55 920. The annual percentage rate (APR) is 13,5%.
Representative example for VIP cash loan above 300 000 HUF monthly net income:
For a 60-month, HUF 3 million loan, the monthly repayment instalment with money transfer discount is HUF 60 100 at a fixed 7,49% annual interest rate. The total amount to be repaid is HUF 3 661 920 and the loan charges are HUF 661 920, of which fees and costs amount to HUF 55 920. The annual percentage rate (APR) is 8,5%.

  • We offer two types of personal loans for „free use” depending on how much is your monthly net income
  • Credit assessment is free of charge for both types
  • and the disbursement fee is 0,75% of the approved loan amount

  • Prepayment fee 1%, in the last year of the term 0,5%

loan purpose

private (non-commercial) purposes of private persons

loan amount

HUF 300 thousand to HUF 7 million

interest rate (annual)

  • Normal cash loan
    • 12,99%
      • with discount: 11,99%
  • VIP cash loan
    • 9,49%
      • with discount: 7,49%

interest discount criterias

1% discount:

  • 1,0% discount from the transaction interest regarding monthly money transfer (at least HUF 150,000 net) transferred onto your account

2% discount:

  • 2,0% discount from the transaction interest regarding monthly money transfer (at least HUF 150,000 net) transferred onto your account,

  • the net monthly income must reach HUF 300 thousand

  • from 1 million HUF loan amount

contracting fee

HUF 0

loan term

24–84 months, also depending on the loan amount

APR

APR: 8.5–14.2%

prepayment

may be prepaid for a low prepayment fee or free of charge, according to the current announcement

application

via the TeleCenter, in a bank branch, or online

this facility is for you if

  • you want to borrow an amount for any purpose with predictable conditions and guaranteed fixed instalments
  • you prefer a simple, fast procedure, and don’t want to provide real estate collateral
  • you have a certified monthly net income between HUF 150 thousand and 300 thousand (if your income is above HUF 300 thousand, we recommend K&H’s VIP personal loan from 8.5% APR
  • Ask our colleagues to call you back when it’s suitable for you and they will be happy to answer any questions you may have.

starting the procedure online is even faster and simpler

Go online to ask our advisers to call you back when it’s suitable for you. Our colleague will

  • give you further information on the loan and the application
  • carry out the preliminary evaluation by phone upon your request – the procedure is simple, free of charge, and non-binding
  • make you an appointment in the bank branch of your choice for a convenient, time-efficient procedure

preliminary evaluation – simple and non-binding

Based on the data you provide, we first find out how much you could borrow with what conditions, and what documents will need to be submitted. In view of this information,

  • you can decide if the loan amount is sufficient or a co-debtor needs to be involved

  • you get personalised information on the required documents to be obtained before you visit a K&H branch

  • the administrative procedure is simplified, i.e. you save time

Preliminary evaluation is free of charge and involves no commitment on you part; it does not mean an application, but it helps you decide.

 

application criteria

  • the loan is available to adult Hungarian private persons who can be contacted by phone and have their registered address in Hungary
  • the applicant’s certified net monthly income must reach HUF 150 thousand
  • the applicant must have been employed for at least six months, or must have had an active business for 12 months, or must receive final old-age pension
  • no negative information (with neither active nor passive status) about the applicant must be registered in the Central Credit Information System (the former Interbank Debtor Information system)
  • if the applicant is over 65 years of age at the maturity of the loan, a co-debtor may have to be involved

If you meet these conditions, ask our advisors to call you back for a preliminary evaluation so that you can find out the loan amount available to you.

payment protection insurance – if safety matters

If timely debt service even in the case of an unexpected event (unemployment, illness, permanent disability, death) is important to you, then choose K&H’s personal loan payment protection insurance to go with your new loan and now you can also make it even 100% online! The monthly premium of this optional insurance is merely 6,4 of the repayment instalment. The service is provided by K&H Insurance.

representative example

Representative example for normal cash loan above 150 000 HUF monthly net income:
For a 60-month, HUF 3 million loan, the monthly repayment instalment with money transfer discount is HUF 66 718 at a fixed 11,99% annual interest rate. The total amount to be repaid is HUF 4 059 000 and the loan charges are HUF 1 059 000, of which fees and costs amount to HUF 55 920. The annual percentage rate (APR) is 13,5%.
Representative example for VIP cash loan above 300 000 HUF monthly net income:
For a 60-month, HUF 3 million loan, the monthly repayment instalment with money transfer discount is HUF 60 100 at a fixed 7,49% annual interest rate. The total amount to be repaid is HUF 3 661 920 and the loan charges are HUF 661 920, of which fees and costs amount to HUF 55 920. The annual percentage rate (APR) is 8,5%.

general contracting terms and conditions

general contractual terms and conditions of retail loans
General Tems and Conditions

loan application process

Step 1: basic information and calculation
Step 2: preliminary evaluation, possibly in a few minutes
Step 3: book an appointment conveniently
Step 4: receive advice in a bank branch and submit the loan application
Step 5: approval and disbursement
To apply for K&H’s VIP personal loan, you will need to certify net monthly income of HUF 300 thousand or more. If your income is between HUF 150 thousand – 300 thousand and/or loan amount lower than 1 million HUF, check out our normal personal loan offer.
We draw your attention to the consumer protection website of the Financial Consumer Protection Centre of the National Bank of Hungary where you can find useful product descriptions and various applications for comparison (loan calculator, budget calculator for households).

The comparison of qualified credit products offered by credit institutions is ensured by standardized documents and prospectuses, and in a website which operated by the MNB. The website is available at the following link: www.minositetthitel.hu

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 calculator is based on K&H business based housing loan product with a 1-year interest period and a K&H qualified consumer-friendly housing loan for the other interest periods, with a K2 risk rating, based on the conditions of the current Announcement, assuming unchanged conditions over the entire term.

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.