Hungary Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 5,50% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interest384 275 HUF
Upfront costs
- Down payment13 000 000 HUF
- Closing costs%1 950 000 HUF
- Cash needed at purchase14 950 000 HUF
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Hungary
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Hungary?
Hungary does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a 52 000 000 HUF loan over 25 years, going from 7,50% to 8,50% raises the monthly payment from 384 275 HUF to 418 718 HUF — about 34 443 HUF more each month.
What upfront costs should I budget for in Hungary?
On a 65 000 000 HUF purchase, expect about 1 950 000 HUF in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.