K&H personal loan

• 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 400 thousand (if your income is above HUF 400 thousand, we recommend K&H’s VIP personal loan from 14,5% 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.

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

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.

• 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.

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 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%.