K&H “otthonszépítő” personal loan

a smart way to revamp your home

  • no real estate collateral
  • favourable fixed repayment instalments, no up-front fees; APR 12.7%
  • no need for invoices to prove loan usage
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

home upgrade (e.g. heating modernisation, a new boiler, replacement of doors or windows, internal or external renovation, purchase of household appliances, insulation, roof renovation, installation of solar panels etc.); see the full list of loan purposes in the announcement for K&H HUF personal loans. You don’t need to present invoices to prove the usage of the loan; a simplified budget upon application will suffice.

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 million; 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 or 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 are looking for a loan specifically for home renovation or reconstruction, with favourable conditions
  • you know more or less what works you want to have financed, and can give us a simplifiedbudget

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

  • you meet all application conditions

Ask our colleagues to call you back and they will be happy to answer any questions you may have. 

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 documents to be obtained before you visit a K&H branch

  • the administrative procedure is simplified, you save time

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

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  

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

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.

representative example

For a 60-month, HUF 3 million 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

do you have other plans and goals? If you would like a loan for a purpose other than home renovation or upgrade, we have several other attractive offers with annual percentage rates starting from 10.5%.

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.