Mortgages
Find a home loan that fits your plans, your budget and the home you have in mind.
Home equity loan
More freedom for your plans.
Unlock your property’s potential and take your finances forward.
More flexibility with your borrowing
Our experts compare offers from several banks to help you find a solution that fits your plans.
Our extensive partner network may also give you access to exclusive terms.
We assess your options based on your financial situation and goals.
A clear process guided by an expert helps you avoid unnecessary steps.
We compare home loan offers from multiple banks to find the right option for you.
We’re by your side from the first consultation through to signing the agreement.
Mortgages
What should you know about a home equity loan?
A home equity loan is secured against your property and lets you use the money without the bank specifying what you can spend it on. Because the loan is backed by property, you can generally borrow a larger amount over a longer term than with an unsecured personal loan. However, the application process is more involved: alongside your verified income, the bank assesses the value of the property and whether it meets its lending criteria. When comparing offers, look beyond the interest rate. Consider upfront costs, the loan term, early repayment conditions and the total amount repayable.
The loan can also be used to buy, build, extend or renovate a home, provided both you and the property meet the bank’s requirements. Interest rates, loan terms, eligibility criteria and other conditions can vary significantly between banks, so it’s worth comparing several offers before deciding
Mortgage
When could it be the right solution?
For anyone looking to make a considered, financially sound decision about their property, whatever their stage of life.
Major renovations
If you’re planning substantial upgrades or alterations and would prefer not to account for every expense with invoices.
Managing existing debts
Refinancing or combining several higher-cost loans may be an option if it results in more favourable terms and more manageable repayments.
Business plans
You may be able to use the funds for start-up costs, development or investment. In this case, it’s especially important to consider the risks of taking out a personal loan to fund a business.
Larger family expenses
It may also help finance education, healthcare, a car purchase or other significant expenses.
Home equity loan
How much could you realistically borrow?
The amount you can borrow depends on more than your property’s value. The bank also assesses the monthly repayments you can afford based on your verified income. Factors that may affect the available loan amount include:
- 1
the value and type of property offered as security
- 2
your verified net income
- 3
your existing loans and credit limits
- 4
your chosen loan term
- 5
the borrowers’ ages
- 6
the bank’s own lending criteria
What do you need to qualify?
These are the general requirements. Each bank assesses applications individually.
Verified, eligible income
The bank needs to confirm that your income can support the monthly repayments over the long term
Eligible property
The property offered as security must meet the bank’s valuation and lending criteria.
A good credit history
The bank will also check your credit record, including any arrears or late payments.
Age requirements
Age limits at the time of application and at the end of the loan term may vary between banks.
Repayments within income limits
Your existing and proposed loan repayments must fall within the applicable debt-to-income limit.
Bank approval
Meeting the legal requirements does not guarantee approval. The bank assesses your application against its own lending criteria.
The key figures behind your mortgage
Explore typical mortgage amounts, terms and conditions.
What to consider Typical value
- Loan amount
- Even 100 - 150 million HUF
- % Interest rate
- Typically 2.85%–7%
- Loan term
- 5 – 30 years
- Loan-to-value ratio
- Up to 80–90% of the property’s value
- APR (THM equivalent)
- Typically 6.5% – 10.5%
- Repayment type
- Monthly annuity repayments
- Associated costst
- Property valuation, notary and bank fees
- Interest rate period
- 3 months to 10 years, or fixed for the full term
- Use of funds
- Any purpose
Would you like to see your options?
A clear path to the right mortgage
Clear steps and expert support to make the paperwork easier and the process less stressful.
- 01
- We get to know your plansWe discuss how much you need, what you would use it for and which property could serve as security.
- 02
- We assess your optionsWe review your income, existing financial commitments and the key lending requirements.
- 03
- We compare offersWe look beyond the interest rate, comparing monthly repayments, the total amount repayable and associated costs.
- 04
- We guide you through the applicationWe help you prepare the documents and stay in touch until the funds are released.
Financial expert
Why apply for a mortgage with expert help?
A home equity loan can shape your expenses for years, even decades. Small differences in interest rates or fees can make a significant difference to the total amount you repay.
Your Credipass financial expert
- 1
Compares offers from several banks
- 2
Helps you assess how much you can comfortably afford to borrow
- 3
Explains less obvious costs and conditions
- 4
Helps you avoid delays caused by incomplete documentation
- 5
Supports you throughout the application
Meet the experts who help you make better financial decisions
Expertise and support that go beyond a single financial decision.
Máté HenrietteFinancial Counselor
MortgagesGovernment schemesBank accountPersonal loansHome savingsMáté Henriette vagyok, pénzügyi szakértő. Már a középiskolai tanulmányom során is fontos szerepet játszott az életemben a pénzügy, ugyanis pénzügyi és banki ügyintézői képesítéssel érettségiztem. Majd a továbbiakban közgazdász diplomát, mérlegképes könyvelői, és adótanácsadói végzettséget is szereztem. Tulajdonképpen mindig is a pénzügyekkel foglalkoztam. Ügyfeleimet abban segítem, hogy a számukra legmegfelelőbb pénzintézetet és hitelkonstrukciót találják meg, majd pedig végigkísérem őket a hitelügyintézés minden fázisán. Válasszuk ki együtt a legjobb hitelajánlatot, díjmentesen, személyre szabottan! Keressen bizalommal!
View profileTumpeck TiborFinancial Counselor
MortgagesGovernment schemesBank accountPersonal loansInsuranceHome savingsTumpeck Tibor hiteltanácsadó vagyok. A Credipass Kft, Érd, Diósdi úti és A biatorbágyi DH irodájában dolgozom. Újra 30% kamatbónusz az OTP LTP számlavezetésre! 10 éves tapasztalatom van az agglomerációban lévő használt vagy új építésű ingatlanok hitelezésében. A Credipass Kft a kereskedelmi bankok kiemelt partnere, ezáltal a bankok partnertámogatói segítik a munkánkat, a megakadt hiteleket így könnyebben tudjuk kezelni. A kiemelt partnerség további előnye az ügyfelek részére, hogy egyedi kamat kedvezmények kérésére van lehetőségünk és ezt nagy százalékban meg is kapjuk! Amivel tudom segíteni a hitelfelvételüket: indikatív ajánlatok készítése az Önök által megadott adatok alapján, CSOK képesség vizsgálata, mind az ügyfél, mind a megvásárlandó ingatlan esetében, előzetes értékbecslések megrendelése, ha Ön igényt tart rá, előminősítések elkészíttetése a kiválasztott bankokkal, ha fontosnak látja a hitelezhetőségét
View profileMolnár Bence JózsefFinancial Counselor
MortgagesGovernment schemesBank accountPersonal loansInsuranceHome savingsI provide clear, personalized financial guidance to help you make informed decisions with confidence — always based on your unique goals and circumstances.
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Csapó GyörgyFinancial Counselor
MortgagesBank accountPersonal loansHome savings2003-ban kezdtem el egy neves hazai kereskedelmi bankban dolgozni. Először lakossági ügyfelekkel foglalkoztam befektetési és hitelezési területen, majd később kisvállalati, másik kereskedelmi bankban pedig középvállalati ügyfelekkel, mint vállalati ügyfélkapcsolati menedzser. Több milliárdnyi hitelállomány döntéselőkészítésében, és kihelyezésében vettem részt.
View profileQuestions and answers
Everything you need to know about home equity loans
The use of the loan amount is not tied to a specific housing-related purpose. You can use it, for example, for renovations, purchasing a car, education, business plans, or settling existing debts.
With a general-purpose mortgage loan, it is typically not necessary to verify the use of the loan funds with invoices.
Primarily, real estate of appropriate value and with a clear legal status is eligible. Acceptable property types and conditions may vary by bank.
Yes, this is possible if the property owner consents to the registration of the mortgage and assumes the role of the mortgagor.
No down payment in the traditional sense is required, but the bank will not finance the full value of the property. Consequently, the value of the collateral limits the amount that can be borrowed.
A general-purpose mortgage loan requires real estate collateral, and the application process may take longer and incur higher costs. In return, however, a larger loan amount and a longer term may be available.
Costs such as valuation, notary, land registry, and loan disbursement fees may arise. Some banks may offer promotional deals to cover certain fees, either in part or in full.
Yes, partial or full early repayment is possible. The associated fees and conditions are set out in the contract and the specific bank's schedule of charges.
Az átfutási idő függ a dokumentumok rendelkezésre állásától, az értékbecsléstől, a banki bírálattól és a szerződéskötéshez kapcsolódó ügyintézéstől.
Since the loan is secured by real estate, the property serving as collateral could be at risk in the event of prolonged non-payment. Therefore, it is particularly important to ensure that the repayment installment remains safely affordable in the long term.
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