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Are home loan interest rate cuts and preferential loans down, here are the raises, can home borrowers be happy? – Mortgages and mortgages

Significant interest rate cut at Good Finance bank, moderate discount at Good Credit, minimum interest rate cut at E-Money Bank, Budapest Bank raised and here the new discounted CSOK!

There has been a significant movement in mortgage lending in the last two months of the year. One bank has a significant decrease in interest rates, the other one has a lower interest rate, while others have a higher interest rate but more discount, which alters the balance sheet language overall!

If you are looking, we will find a home loan with even better terms as early as December!

Good Finance both reduced and increased


  • Good Finance Bank has lowered the transaction rate by 0.24 percentage points for 10-year Qualified Consumer-Friendly and Traditional Business Home Loans!
  • At the same time, the interest rate on 5-year floating rate loans increased by 0.20% and on 15- and 20-year fixed-rate loans by 0.30% at the end of November.
  • New demands are known only under these conditions

The bank trusts borrowers’ vigilance and popularity for 10-year interest rate fixation!

The evolution of Good Finance mortgages when we take over our payroll and take out home insurance, looks like this:

Interest period Good Finance bank:

5years 10years fixed10years fixed15years fixed20years

3.99% 4.55% 4.49% 5.19% 5.39%

Good Credit Bank raised its interest rate on market-based mortgage loans by 0.20 percentage points from December and by 0.29 percentage points on 5-year loans.

Standard pricing for Good Credit Bank mortgages

Standard pricing for Good Credit Bank mortgages

New Pricing for Good Credit Bank Certified Consumer Loans:

  • It increases by 0.47 percentage points over a 5-year interest period
  • the normal interest rate is 5.24 percent,
  • 10 years and 0.11 percentage points to 5.49 percent.

But the bank gives the other hand,

  • The 5-year Qualified Consumer Loan Qualified Home Loan will also increase its available interest rebates by 25 percentage points,
  • so the Active Discount is 0.50 percent,
  • Premium is active at 0.75 percent
  • and the TOP premium active was changed to 1.50 percent while the conditions remained unchanged.

E-Money Bank: Only the 3-month reference rate fell from 0.16 percent to 0.13 percent.

Goodbank also reduced


  • the maximum amount of credit that can be borrowed increased to HUF 80 million.
  • The decrease in interest rates was for loans with an interest rate of 5 years or longer:
  • decreased from 5.85 percent to 4.6 percent for 5-year and fixed 5-year,
  • 10 years down from 5.60 percent to 5.35 percent
  • the fixed 10-year rate fell from 5.45 percent to 5.2 percent.

The interest rates on loans for free use and those which can be used to replace it also decreased:

  • interest rates on 5-year and 5-year mortgages fell from 6.9% to 6.6%,
  • decreased from 7.5 percent in 10 years to 7.35 percent
  • and the fixed 10-year decreased from 7.45 percent to 7.2 percent.

Interest rates on loans to replace a home loan also fell:

  • Decreased from 4.85 percent to 4.6 percent at 5 years and fixed 5 years,
  • At age 10, it fell from 5.60 percent to 5.35 percent,
  • At a 10-year fix, it dropped from 5.45 percent to 5.2 percent.

Goodbank Qualified Consumer-Friendly Home Loans have interest rate changes similar to market rate loans.


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