Hungary mortgage calculator 2026
A HUF 50,000,000 mortgage in Hungary over 30 years at 6.5% works out to a monthly payment of HUF 316,034, with HUF 63,772,246 paid in total interest. Enter the loan amount, interest rate and term to see the monthly payment under the Hungarian mortgage market.
Not sure how much the bank will lend you? Mortgage affordability – Hungary
Monthly payment: HUF 316,034
Total paid: HUF 113,772,246 · Total interest: HUF 63,772,246
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | HUF 3,233,545 | HUF 558,863 | HUF 49,441,137 |
| 2 | HUF 3,196,117 | HUF 596,291 | HUF 48,844,847 |
| 3 | HUF 3,156,183 | HUF 636,226 | HUF 48,208,621 |
| 4 | HUF 3,113,573 | HUF 678,835 | HUF 47,529,786 |
| 5 | HUF 3,068,111 | HUF 724,298 | HUF 46,805,489 |
| 6 | HUF 3,019,603 | HUF 772,805 | HUF 46,032,684 |
| 7 | HUF 2,967,847 | HUF 824,561 | HUF 45,208,123 |
| 8 | HUF 2,912,625 | HUF 879,784 | HUF 44,328,339 |
| 9 | HUF 2,853,704 | HUF 938,704 | HUF 43,389,635 |
| 10 | HUF 2,790,837 | HUF 1,001,571 | HUF 42,388,063 |
| … | |||
| 30 | HUF 130,217 | HUF 3,662,194 | HUF 0 |
Bank rate comparison — Market average: 6.50 % (2026-Q1)
| Bank | Interest rate | Fixed period | Monthly payment |
|---|---|---|---|
| OTP 1x1 / Zöld | 7.49 % | 20 years | HUF 349,265 |
| OTP Végig Fix | 8.49 % | 20 years | HUF 384,102 |
This calculation is indicative only. Bank rates are a snapshot as of the date shown. It does not replace a binding bank offer.
How a Hungarian mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the rate-fixation period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
Only a few Hungarian banks (e.g. OTP) publish a public rate table — the calculator shows those; for others it's worth asking the bank directly.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| HUF 20,000,000 | HUF 126,414 |
| HUF 35,000,000 | HUF 221,224 |
| HUF 50,000,000 | HUF 316,034 |
| HUF 70,000,000 | HUF 442,448 |
| HUF 90,000,000 | HUF 568,861 |
| HUF 120,000,000 | HUF 758,482 |
Frequently asked questions
What is the monthly payment on a HUF 35,000,000 mortgage in Hungary over 30 years?
At a rate of 6.5% over 30 years, the monthly payment is HUF 221,224.
What is the monthly payment on a HUF 70,000,000 mortgage in Hungary over 30 years?
At a rate of 6.5% over 30 years, the monthly payment is HUF 442,448.
What is the monthly payment on a HUF 90,000,000 mortgage in Hungary over 30 years?
At a rate of 6.5% over 30 years, the monthly payment is HUF 568,861.
How much total interest do I pay on a HUF 50,000,000 mortgage in Hungary?
On a HUF 50,000,000 mortgage over 30 years at 6.5%, you'll pay HUF 63,772,246 in total interest.
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why does only one bank appear in the table?
Most Hungarian banks don't publish a public rate table — OTP is the exception with published products.
What does a rate-fixation period mean?
The period during which the rate doesn't change. A shorter fixation usually means a lower rate but more risk once it ends.
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator, applying the Hungarian JTM and HFM limits.
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Last updated: 18 July 2026