Hungary mortgage affordability calculator 2026
On HUF 800,000 net income a month with the rate fixed for the whole term (60% JTM), the MNB limits let you borrow roughly HUF 75,941,193 over 30 years (max. payment HUF 480,000). Enter your net income, existing commitments and rate-fixation period to see the exact maximum mortgage.
Want to work out the monthly payment? Mortgage calculator – Hungary
Maximum loan amount: HUF 47,463,246
Maximum monthly payment: HUF 300,000 · JTM: 50 %
| Limiting factor | |
|---|---|
| DSTI (payment / income) | HUF 47,463,246 |
| Maximum loan amount | HUF 47,463,246 |
This calculation is indicative and based on MNB limits (JTM, HFM) in force on 18 July 2026. Banks have their own internal methodologies — the actual offer may differ.
How the maximum mortgage is calculated in Hungary
The MNB caps the maximum loan payment via the JTM ratio to net income. The limit depends on how long the rate is fixed and whether income is above or below HUF 800,000/month (raised from HUF 600,000 from 1 January 2026): below the threshold 25% (fixation < 5 years), 35% (5–10 years) or 50% (≥ 10 years); above the threshold 30%, 40% or 60%.
So the longer the rate fixation, the higher the share of income that can go toward the payment.
HFM (Hungary's equivalent of LTV) caps the loan at 80% of property value, 90% for first-time buyers.
Loans below HUF 550,000 aren't subject to the JTM limit (the de minimis threshold) — the calculator doesn't account for this exception, it's mentioned for information only.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| HUF 400,000 | HUF 31,642,164 |
| HUF 600,000 | HUF 47,463,246 |
| HUF 800,000 | HUF 75,941,193 |
| HUF 1,000,000 | HUF 94,926,492 |
| HUF 1,500,000 | HUF 142,389,738 |
| HUF 2,000,000 | HUF 189,852,983 |
Frequently asked questions
How much can I borrow on HUF 400,000 income a month?
For a single applicant with no other commitments, the rate fixed for the whole term (50% JTM, 6.5% rate) and a 30-year term, the maximum mortgage is HUF 31,642,164 (max. payment HUF 200,000).
How much can I borrow on HUF 600,000 income a month?
For a single applicant with no other commitments, the rate fixed for the whole term (50% JTM, 6.5% rate) and a 30-year term, the maximum mortgage is HUF 47,463,246 (max. payment HUF 300,000).
How much can I borrow on HUF 1,000,000 income a month?
Above the HUF 800,000 threshold, 60% JTM applies — for a single applicant with no other commitments, the rate fixed for the whole term (6.5% rate) and a 30-year term, the maximum mortgage is HUF 94,926,492 (max. payment HUF 600,000).
What is the JTM limit table for 2026?
Below HUF 800,000 income: 25% (fixation < 5 years), 35% (5–10 years), 50% (≥ 10 years). Above: 30%, 40%, 60%.
Why was the income threshold raised to HUF 800,000?
The MNB raised the threshold from HUF 600,000 to HUF 800,000 from 1 January 2026.
What is HFM and how much applies to first-time buyers?
HFM is Hungary's equivalent of LTV. Standard 80%, 90% for first-time buyers.
Why does a longer fixation allow a higher JTM?
With a long-term fixed rate, the risk of the payment rising once fixation ends is lower, so the MNB allows a higher share of income.
What does the HUF 550,000 de minimis threshold mean?
Loans up to that amount aren't subject to the JTM limit — it's mentioned for information only.
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Last updated: 18 July 2026