loan calculator

choose a loan for your goals

do you need mortgage loan? Yes No

how much is the regular income transfer?

The interest rate depends on whether you make regular monthly credits to your K&H account (even from several items). In the case of a regular monthly credit of HUF 500,000, the interest rate is more favorable.

Does your net monthly income reach HUF 400,000? the net monthly income must reach HUF 400 thousand from at most two sources of income Yes No

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loan amount

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duration

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= month(s)

HINT

above 1,5 million forint loan amount you can apply for loan with better conditions

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K&H home loans

interest period

5 years

10 years

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duration

We call duration the total period, when the loan should be paid back, so this is the period between the disbursement and the maturity of the loan.

monthly repayment

The amount that includes interest, administration fee and capital, and it should be paid to the Bank with regularity set in the loan contract (i.e. monthly) till the maturity of the loan.

Annual percentage rate (APR)

aims to compare different loan offers and to inform clients well. The APR is an indicator in percentage that shows the interest rate and those fees and costs which relate to the loan application and disbursement. There are cost types which are not included into the APR, for instance the interest for late payment, notary fee or the cost of duration extension.

interest period

is a time period, when the value to interest is fix. In general the longer the interest period, higher is the interest rate. In case of longer interest period, the bank runs the interest risk, meaning that the longer and more expensive interest period is a kind of insurance in case the referance interest rates go up in the future.

interest

it is the price of the loan, which should be paid by the borrower. The interest is defined in percentage, annual based and is fix within an interest period.

total amount to be repaid

includes the sum of monthly repayments, all interest, fee and administration costs related to the loan application till the maturity of the loan. There are cost types which are not included to the total amount to be repaid, for instance the interest for delay, notary fee and the cost of cost of duration extension.

total interest discount

The total amount to be repaid will be less with that amount if you apply the interest discounts in the calculator: K&H life insurance discount (0.2% for K&H life insurance or 0.2% for repayment insurance), K&H home insurance discount (0.1%). The calculator does not include premium client discount

duration

We call duration the total period, when the loan should be paid back, so this is the period between the disbursement and the maturity of the loan.

monthly repayment

The amount that includes interest, administration fee and capital, and it should be paid to the Bank with regularity set in the loan contract (i.e. monthly) till the maturity of the loan.

Annual percentage rate (APR)

interest

it is the price of the loan, which should be paid by the borrower. The interest is defined in percentage, annual based and is fix within an interest period.

total amount to be repaid

total interest discount

The total amount to be repaid will be less with that amount if you apply the salary transfer discount in the calculator.

duration

We call duration the total period, when the loan should be paid back, so this is the period between the disbursement and the maturity of the loan.

monthly repayment

The amount that includes interest, administration fee and capital, and it should be paid to the Bank with regularity set in the loan contract (i.e. monthly) till the maturity of the loan.

Annual percentage rate (APR)

interest

it is the price of the loan, which should be paid by the borrower. The interest is defined in percentage, annual based and is fix within an interest period.

total amount to be repaid

total interest discount

The total amount to be repaid will be less with that amount if you apply the salary transfer discount in the calculator.

duration

We call duration the total period, when the loan should be paid back, so this is the period between the disbursement and the maturity of the loan.

monthly repayment

The amount that includes interest, administration fee and capital, and it should be paid to the Bank with regularity set in the loan contract (i.e. monthly) till the maturity of the loan.

Annual percentage rate (APR)

interest

it is the price of the loan, which should be paid by the borrower. The interest is defined in percentage, annual based and is fix within an interest period.

total amount to be repaid

total interest discount

The total amount to be repaid will be less with that amount if you apply the salary transfer discount in the calculator.

modify calculation

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 77 805 at a fixed 18,99% annual interest rate. The total amount to be repaid is HUF 4 737 960 and the loan charges are HUF 1 737 960, of which fees and costs amount to HUF 69 660. The annual percentage rate (APR) is 21,7%.
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 67 937 at a fixed 12,79% annual interest rate. The total amount to be repaid is HUF 4 145 880 and the loan charges are HUF 1 145 880, of which fees and costs amount to HUF 69 660. The annual percentage rate (APR) is 14,5%.
Representative example for qualified customer friendly mortgage loans with 5 years interes period:
For HUF 12 million loan with a 240-month term, with a variable annual interest rate of 6,79% (based on 5Y interest rate period); with home insurance and online discount, monthly repayment instalment HUF 91 529, total amount to repaid HUF 22 168 200, total loan charges HUF 10 168 200; within this latter, fees and costs HUF 201 240. The annual percentage rate (APR) is 7,1%.

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