In the event of unexpected events, the insurance pays the instalment for you, so you do not have to worry about falling behind with payments.
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After you provide your data, our colleague will call you back, discuss the details with you and start the application process. In the case of online application, you can skip this step.
You can submit your application in person with our adviser, or handle it online. After data reconciliation, all you need to do is meet our colleague and sign the contract, or you can handle everything fully online.
If the credit assessment is positive, we disburse the loan within as little as 3 business days.
We help clear up the most common misconceptions about the loan. If you cannot find the answer to your question, contact our colleague!
The above conditions apply to a pensioner applicant only if:
If you have a second job:
Income from a second job can also be taken into account if the conditions prescribed above for the second job are met.
A personal loan may be applied for by any legally capable natural person who:
If you are a Hungarian citizen: a valid identity document issued by the Hungarian authority. This can be:
*If the booklet-format ID card does not contain a valid address, an official address card must also be submitted.
**If the legal title cannot be identified from the payment notice field of the salary or pension credit, the income must be proven with a separate certificate, e.g. an employer income certificate.
Of course. Having your bank account with us is not a condition for applying for the Erste Most Personal Loan.
| Product | Available loan amount | Term |
|---|---|---|
|
Most Personal loan |
between HUF 500,000 and 15,000,000 (in increments of HUF 10,000) |
between 36 and 96 months (in 6-month increments) |
The disbursement is made in one lump sum to your retail HUF bank account.
You can choose the repayment day as: the 5th, 10th or 15th day of the month.
You repay the loan in equal monthly instalments during the term. Within the equal monthly instalment amount, as the term progresses:
You can make early repayment or full repayment at any time during the loan term:
The fee for early and full repayment depends on the date of early/full repayment and on the loan maturity date. If the loan maturity is:
We do not charge a fee if, on one occasion within 12 months, the amount of early repayment does not exceed HUF 200,000.
Because:
For detailed information, request a callback from our colleagues, or contact our advisers in our bank branches!
You can find further product descriptions and comparison applications related to banking credit products on the website of the National Bank of Hungary: http://www.mnb.hu/
The personal loan
The natural person who:
The natural person who will be liable together with the debtor for repaying the loan. This can make you feel more secure as well.
The term is the period specified in the loan agreement during which the debtor is obliged to repay the loan taken out, together with all its fees, interest and costs.
Central Credit Information System. The KHR is a database jointly maintained by domestic financial institutions. It is a debtors' list that manages data on events related to credit agreements, payment delays, defaults, fraud and abuse. Among other things, the purpose of the KHR is to assess customers' creditworthiness carefully, prevent excessive indebtedness and thereby reduce lending risk.
Insurance that provides protection during the loan term in cases that make repayment difficult or impossible. This may include, for example, becoming unemployed or incapacitated for work, or disability or death. In such cases, depending on the type of insurance, Union Vienna Insurance Group Biztosító Zrt. pays the instalments for a specified period.
An agent commissioned by the bank who concludes the loan agreement with you at the location you specify.
The price of the money received as a loan, i.e. the fee for the immediate availability of the money, expressed as a percentage. The interest rate is expressed on an annual basis.
The Annual Percentage Rate is a uniform indicator used by all lenders that shows consumers exactly how much their loan costs. As the name suggests, the total cost of credit is the amount payable in addition to the principal amount. It includes the cost of disbursing the loan, the contractual interest and fees. It is important, however, that the APR does not include, for example, default interest and other payment obligations arising from non-performance, the loan protection insurance fee, etc. These must be paid in addition to the credit charges.
The loan calculator is for information only it takes into account the applicant's income, not that of a possible co-applicant. The loan calculator does not take into account the income-based instalment calculation set out in MNB Decree 32/2014 (IX. 10.). Please note that if you choose a longer term, the total cost of the loan increases, so the total amount payable also increases.
The APR was determined taking into account the current conditions and the legislation in force its rate may change if the conditions change.
Representative example:
Most Personal Loan and Most Loyalty Loan:
total amount of the loan: 3 000 000 HUF
loan term: 60 month
loan interest rate: 11,99%
type of loan interest: fixed
fee, commission, cost and tax included in the total cost of the loan: 1 033 095 HUF
annual percentage rate: 13,17%
total amount payable: 4 033 095 HUF
amount of the monthly instalment: 66 718 HUF
The information is not exhaustive and does not constitute an offer. These conditions apply to Most Loyalty Loan and Most Personal Loan applications accepted from 21 September 2026 under Annex 3 of the Retail Loan Announcement. The detailed conditions of personal loans are contained in the Bank's Business Rules, the General Terms and Conditions for Consumer and Lombard Loans and the Retail Loan Announcement.
The Most Hűség Kölcsön product may be applied for by customers whom we deem eligible based on pre-qualification.
You may withdraw your consent given during registration for the processing of your personal data at any time by a declaration addressed to the Bank, in person at any of our branches or at the following addresses: 1138 Budapest, Népfürdő utca 24-26 and erste@erstebank.hu . During data processing, we use third parties (data processors) in accordance with the Privacy Notice.
Regarding the lawfulness of data processing, you may initiate proceedings with the Hungarian National Authority for Data Protection and Freedom of Information (1055 Budapest, Falk Miksa utca 9-11 postal address: 1363 Budapest, Pf.: 9 website: www.naih.hu, phone: +36 (1) 391-1400, fax: +36 (1) 391-1410, central email address: ugyfelszolgalat@naih.hu ) and seek legal remedy before the competent court. For data protection-related questions, you can contact our Data Protection Officer, Dr. Zsolt Misky, directly at adatvedelem@erstebank.hu or by post at 1138 Budapest, Népfürdő utca 24-26.
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You can spend it on whatever you need.
Click the Go to George! button, and after logging in you can continue right away on the personal loan application interface.
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You can have the requested amount in your bank account within as little as 3 business days.
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