What are the conditions for applying for a personal loan?

As a debtor, or as a co-debtor in the case of a co-applicant: <ul> <li>you have turned 23,</li> <li>you have a permanent residence,</li> <li>you have a home landline or mobile phone where you can be reached,</li> <li>you have a pension or regular independent income from work as debtor, of at least HUF 214,000,</li> <li>your salary and/or pension has been paid for at least 3 months into a retail bank account held at a bank in Hungary,</li> <li>you are not on the negative list of the Central Credit Information System (KHR),</li> <li>your workplace is not under liquidation, voluntary liquidation, enforcement or bankruptcy proceedings.</li> </ul> Conditions prescribed in relation to employment: <ul> <li>you have had continuous employment at your current workplace for at least 3 months,</li> <li>you are not currently on sick leave,</li> <li>as a sole entrepreneur, you have at least 1 year of entrepreneurial status and 1 full closed business year.</li> </ul> If you are a pensioner: The above conditions apply to a pensioner applicant only if: <ul> <li>the debtor works alongside receiving a pension, and</li> <li>requests that the income from this work also be taken into account during the assessment.</li> </ul> <strong>If you have a second job:</strong> Income from a second job can also be taken into account if the conditions prescribed above for the second job are met.

Who can take out a personal loan?

A personal loan may be applied for by any legally capable natural person who: <ul> <li>meets the lending conditions determined by us, and</li> <li>is deemed creditworthy during the credit assessment.</li> </ul>

What documents are required to apply for a personal loan?

- Valid identity document: <strong>If you are a Hungarian citizen:</strong> a valid identity document issued by the Hungarian authority. This can be: <ul> <li>ID card*, or</li> <li>identity card + official address card, or</li> <li>card-format driving licence issued after 1 January 2001 + official address card, or</li> <li>passport + official address card.</li> </ul> If you are not a Hungarian citizen: <ul> <li>valid passport issued by an EU authority or by the authority of the United Kingdom, Norway, Switzerland, Iceland, Liechtenstein or Israel + official address card, or</li> <li>valid identity card issued by an EU authority or by the authority of one of the listed countries + official address card, or</li> <li>valid identity card issued by a Hungarian authority + official address card.</li> </ul> *If the booklet-format ID card does not contain a valid address, an official address card must also be submitted. - Document proving income: <ul> <li>employer certificate not older than 30 days + bank statement containing the last monthly salary credit, OR</li> <li>bank statement for the last 3 months, which clearly contains salary and/or pension credit** (except for customers whose income is credited to their current account held with Erste Bank),</li> <li>if you are a sole entrepreneur: NAV income certificate for the last closed year, not older than 45 days</li> <li>if you are a pensioner: NYUFIG notification letter for the given year, OR certificate from the state body disbursing the pension, not older than 12 months, OR if you are an applicant who retired during the year: pension certificate/decision, if you are a disability pensioner applicant under 55 years of age: final decision establishing disability, containing the pensioner registration number.</li> </ul> **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).

What loan amount and term are available?

<div class="gyik-table"> <table border="1" cellpadding="1" cellspacing="0" width="100%"> <thead> <tr> <th style="text-align: center"><b>Product</b></th> <th style="text-align: center"><b>Available loan amount</b></th> <th style="text-align: center"><b>Term</b></th> </tr> </thead> <tbody> <tr> <th style="text-align: center"> <b> Most Personal Loan </b> </th> <td style="text-align: center"> between HUF 500,000 and 15,000,000 (in increments of HUF 10,000) </td> <td style="text-align: center"> between 36 and 96 months (in 6-month increments) </td> </tr> <tr> <th style="text-align: center"> <b> </td> </tr> </tbody> </table> </div>

You can pay the instalment: <ul> <li>from a bank account held with Erste Bank: by collection or transfer,</li> <li>from an account held with another bank: by direct debit or transfer.</li> </ul> <strong>You can choose the repayment day as:</strong> the 5th, 10th or 15th day of the month. You repay the loan <strong>in equal monthly instalments</strong> during the term. Within the equal monthly instalment amount, as the term progresses: <ul> <li>the amount allocated to principal repayment continuously increases, and</li> <li>the interest component decreases.</li> </ul>

What are the conditions for early repayment of the personal loan?

You can make early repayment or full repayment at any time during the loan term: <ul> <li>Early/full repayment must be notified at least 5 days in advance</li> <li>The early/full repaid amount is settled within 5 business days from making it available</li> <li>In the case of full repayment, if the amount required for full repayment and the full repayment declaration are fully available, we close the loan transaction no later than the next banking business day</li> </ul> <strong>The fee for early and full repayment depends on the date of the early/full repayment and on the loan maturity date. If the loan maturity is:</strong> <ul> <li>more than 1 year away: 1% of the early repaid amount</li> <li>less than 1 year away: 0.5% of the early repaid amount</li> </ul> We do not charge a fee if, on one occasion within 12 months, the amount of early repayment does not exceed HUF 200,000.

Why is the Erste Most Personal Loan advantageous?

Because: <ul> <li>you can use it for any purpose,</li> <li>you can apply quickly, without a guarantor and on favourable terms,</li> <li>the instalment is fixed until the end of the term.</li> <li>no real estate or other collateral (securities, insurance, etc.) is required to apply.</li> </ul>

✅ Personal loan calculator 2026

Q: What loan amount and term are available?

<div class="gyik-table"> &lt;table border="1" cellpadding="1" cellspacing="0" width="100%"&gt; &lt;thead&gt; &lt;tr&gt; &lt;th style="text-align: center"&gt;&lt;b&gt;Product&lt;/b&gt;&lt;/th&gt; &lt;th style="text-align: center"&gt;&lt;b&gt;Available loan amount&lt;/b&gt;&lt;/th&gt; &lt;th style="text-align: center"&gt;&lt;b&gt;Term&lt;/b&gt;&lt;/th&gt; &lt;/tr&gt; &lt;/thead&gt; &lt;tbody&gt; &lt;tr&gt; &lt;th style="text-align: center"&gt; &lt;b&gt; Most Personal Loan &lt;/b&gt; &lt;/th&gt; &lt;td style="text-align: center"&gt; between HUF 500,000 and 15,000,000 (in increments of HUF 10,000) &lt;/td&gt; &lt;td style="text-align: center"&gt; between 36 and 96 months (in 6-month increments) &lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;th style="text-align: center"&gt; &lt;b&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/tbody&gt; &lt;/table&gt; </div>

Q: How can I repay?

You can pay the instalment: &lt;ul&gt; &lt;li&gt;from a bank account held with Erste Bank: by collection or transfer,&lt;/li&gt; &lt;li&gt;from an account held with another bank: by direct debit or transfer.&lt;/li&gt; &lt;/ul&gt; &lt;strong&gt;You can choose the repayment day as:&lt;/strong&gt; the 5th, 10th or 15th day of the month. You repay the loan &lt;strong&gt;in equal monthly instalments&lt;/strong&gt; during the term. Within the equal monthly instalment amount, as the term progresses: &lt;ul&gt; &lt;li&gt;the amount allocated to principal repayment continuously increases, and&lt;/li&gt; &lt;li&gt;the interest component decreases.&lt;/li&gt; &lt;/ul&gt;

Q: Why is the Erste Most Personal Loan advantageous?

Because: &lt;ul&gt; &lt;li&gt;you can use it for any purpose,&lt;/li&gt; &lt;li&gt;you can apply quickly, without a guarantor and on favourable terms,&lt;/li&gt; &lt;li&gt;the instalment is fixed until the end of the term.&lt;/li&gt; &lt;li&gt;no real estate or other collateral (securities, insurance, etc.) is required to apply.&lt;/li&gt; &lt;/ul&gt;

Who is a personal loan worth it for?

It is worth applying

if you would like to renovate your home without state support
if you do not want to lease a car, but you do not have the desired amount available, and you can spend it on anything
if you would not buy a new home with a mortgage loan, or the full amount is missing
if you would like a freely usable loan
if you would like a fixed interest rate for the entire term
if you would handle everything from application to disbursement from home, from the comfort of your sofa
if you need money quickly: the amount may be in your account within as little as 3 business days
if you would like a more favourable interest rate and, for this, undertake to have your income credited to an existing or newly opened Erste account until the end of the term
If you open a new Erste account for the loan now, you can receive up to HUF 150,000 in total

Not for you

if you have not yet turned 23
if you are not a resident of Hungary
if you are employed and your current employment relationship is not yet 3 months old
if your monthly net income does not reach HUF 214,000

Become an Erste customer in just a few minutes!

Open an online bank account, even with a selfie!
Now with a HUF 150,000 fee discount.

Online account opening

What next?
The loan application process

You can receive the loan in as little as 3 business days.

1.

Calculation

Choose the best construction for you! Use our online calculator!

Recalculate
2.

Contact request

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.
3.

Signing documents

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.
4.

Disbursement

If the credit assessment is positive, we disburse the loan within as little as 3 business days.

What do you need to do for the online application?

As a new customer with a selfie
- If you have an NFC-capable mobile phone and
- you have a new type of chip ID card,
you can register more simply and quickly through the George App, and then start the personal loan application.
As a new customer with video identification
- If you do not have an NFC-capable mobile phone,
- or your ID card is from before 2016,
you need a quick registration. After that, you can start your personal loan application right away.
For existing users

If you already use the George App or George Web, click the Go to George! button, and after logging in you can continue right away on the personal loan application interface.

George will guide you through the process.

Go to George!

Do you still have questions?

We help clear up the most common misconceptions about the loan. If you cannot find the answer to your question, contact our colleague!

As a debtor, or as a co-debtor in the case of a co-applicant:

you have turned 23,
you have a permanent residence,
you have a home landline or mobile phone where you can be reached,
you have a pension or regular independent income from work as debtor, of at least HUF 214,000
your salary and/or pension has been paid for at least 3 months into a retail bank account held at a bank in Hungary,
you are not on the negative list of the Central Credit Information System (KHR),
your workplace is not under liquidation, voluntary liquidation, enforcement or bankruptcy proceedings.

Conditions prescribed in relation to employment:

you have had continuous employment at your current workplace for at least 3 months,
you are not currently on sick leave,
as a sole entrepreneur, you have at least 1 year of entrepreneurial status and 1 full closed business year.

If you are a pensioner:

The above conditions apply to a pensioner applicant only if:

the debtor works alongside receiving a pension, and
requests that the income from this work also be taken into account during the assessment.

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:

meets the lending conditions determined by us, and
is deemed creditworthy during the credit assessment.

- Valid identity document:

If you are a Hungarian citizen: a valid identity document issued by the Hungarian authority. This can be:

ID card*, or
identity card + official address card, or
card-format driving licence issued after 1 January 2001 + official address card, or
passport + official address card.

If you are not a Hungarian citizen:

valid passport issued by an EU authority or by the authority of the United Kingdom, Norway, Switzerland, Iceland, Liechtenstein or Israel + official address card, or
valid identity card issued by an EU authority or by the authority of one of the listed countries + official address card, or
valid identity card issued by a Hungarian authority + official address card.

*If the booklet-format ID card does not contain a valid address, an official address card must also be submitted.

- Document proving income:

Not older than 30 days employer certificate + bank statement containing the last monthly salary credit, OR
bank statement for the last 3 months, which clearly contains salary and/or pension credit** (except for customers whose income is credited to their current account held with Erste Bank),
if you are a sole entrepreneur: NAV income certificate for the last closed year, not older than 45 days
if you are a pensioner:
- NYUFIG notification letter for the given year, OR
- certificate from the state body disbursing the pension, not older than 12 months, OR
- if you are an applicant who retired during the year: pension certificate/decision,
- if you are a disability pensioner applicant under 55 years of age: final decision establishing disability, containing the pensioner registration number.

**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 pay the instalment:

from a bank account held with Erste Bank: by collection or transfer,
from an account held with another bank: by direct debit or transfer.

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:

the amount allocated to principal repayment continuously increases, and
the interest component decreases.

You can make early repayment or full repayment at any time during the loan term:

Early/full repayment must be notified at least 5 days in advance
The early/full repaid amount is settled within 5 business days from making it available
In the case of full repayment, if the amount required for full repayment and the full repayment declaration are fully available, we close the loan transaction no later than the next banking business day

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:

more than 1 year away: 1% of the early repaid amount
less than 1 year away: 0.5% of the early repaid amount

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:

you can use it for any purpose,
you can apply quickly, without a guarantor and on favourable terms,
the instalment is fixed until the end of the term.
no real estate or other collateral (securities, insurance, etc.) is required to apply.

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/fogyasztovedelem/dontenem-kell/alkalmazasok

Banking guide

What is APR? What is a term? We now help clarify all the important terms that may come up when applying for a loan, but that you have never dared to ask about before.

The personal loan

freely usable,
typically short- or medium-term, and
an unsecured loan that
private individuals may receive.

The natural person who:

under the loan agreement
is obliged to repay the borrowed amount to the bank
in the pre-defined instalments and schedule,
together with all fees and costs.

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: 13,99%
type of loan interest: fixed
fee, commission, cost and tax included in the total cost of the loan: 1 217 360 HUF
annual percentage rate: 15,44%
total amount payable: 4 217 360 HUF
amount of the monthly instalment: 69 789 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 4 June 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.

Loan amount: -

Term: 8 year

Monthly instalment: -

Fixed interest: -

APR

Total cost of the loan

Total amount to be repaid: -

This is how much you can save with the more favourable interest rate: -

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Home renovation with a personal loan

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Home purchase
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Personal loan calculator

Personal loan calculator

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