K&H “jólváltó” personal loan

switch to a better loan

  • find out how much you can save
  • fast procedure, no real estate collateral
  • fixed monthly repayment instalment, APR: 12.7%
loan amount
= month(s)
result of your calculation:
monthly repayment
loan amount
See the drop-down menu below for a specific, representative example.
The annual interest rate and thus the monthly instalments are decreased by the chosen interest discounts. This present calculation does not constitute an offer or a general evaluation.

Details details

loan purpose

refinancing of an existing consumer loan

loan amount

HUF 500 thousand to HUF 5 million

interest rate (annual)

fixed 11.99%

contracting fee


loan term

24-72 months for loans up to HUF 1,000,000; 24-84 months for loans above HUF 1 million


may be prepaid any time




via the TeleCenter, in a bank branch, or online

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. The monthly premium of this optional insurance is merely 8% of the repayment instalment. The service is provided by K&H Insurance.

this facility is for you if

  • you want to switch to a loan with better conditions: K&H’s “jólváltó” personal loan comes with a favourable interest rate and no up-front fees

  • you would like a loan amount for any purpose (up to 25% of the refinancing loan) in addition to the refinancing

  • you want a repayment instalment that is guaranteed to remain unchanged over the entire tenor

  • you prefer a convenient, fast procedure and don’t want to provide real estate collateral

  • you meet the application criteria

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 100 thousand

  • the applicant must have been employed for at least three months, or must have had an active business for 12 months, or must receive final old-age pension

  • no negative information 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

loans that can be refinanced

  • existing HUF consumer loans (personal loans not secured by real estate, commodity loans, overdraft facilities, credit cards, store cards)

  • only loans not in default and taken out at least six months ago

  • at least 75% of the loan amount must be used for refinancing

  • at least 60% of the loan amount must be used to refinance debts to other banks

If you meet these conditions, ask our advisors to call you back so that a preliminary evaluation can be performed and an appointment can be made in the bank branch of your choice. 

reasons for refinancing

The loan can be used to prepay existing loans and close your credit lines. Then you can continue the debt service with favourable, fixed monthly instalments.

  • calculate how much you can save – review the amounts and conditions of your current monthly debt service, and use our calculator to find out how much you can save by refinancing. Our advisors will be glad to help you if you have any questions.

  • within a foreseeable time period, repay your lingering debts arising from an overdraft facility or store / credit card (where you are paying only interest but no principal yet)

  • make your finances more transparent by aggregating several loans and credit lines

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
  • help you calculate your potential monthly savings
  • make you an appointment in the bank branch of your choice for a convenient, time-efficient procedure 

representative example

For a 60-month, HUF 3 million HUF loan, the monthly repayment instalment with regular monthly salary income is HUF 63,726 at a fixed 9.99% annual interest rate. The total amount to be repaid is HUF 3,851,700 and the loan charges are HUF 851,700 of which fees and costs amount to HUF 28,140. The annual percentage rate (APR) is 10.8%.

general contracting terms and conditions

general contractual terms and conditions of retail loans

how to start how to start

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
We draw your attention to the consumer protection website of the where Financial Consumer Protection Centre of the National Bank of Hungary 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.