There are several financing options available for investors since the accession of Hungary to the European Union.

We believe that the best way to meet the special requirements of real estate investors is to use a domestic mortgage specialist with local knowledge, who can access all available banks and has developed special relationships with them. We suggest you to put Budapest Mortgage under test and experience its effectiveness for your satisfaction.

Investment mortgages for individuals

Investors are usually borrowing in CHF (Swiss Frank) or in EUR (Euro) which is more favourable than the financing in the local HUF (Hungarian Forint) currency. 

1.    Buying purpose mortgage option

By choosing this option you are able to finance an investment flat in an off-plan development, or you also can finance your classical/resale flat in the historically reach downtown of Budapest.

2.    Equity release/Free purpose mortgage

This option is suitable for those who have already bought property/properties in Budapest without mortgage.

3.    Re-mortgage

Switch your mortgage by choosing this option. If you are not satisfied with your present lender you can switch your mortgage with the most favourable lender on the market by using our service.

Typical conditions for individual investors:

Loan to value: up to 80-85% of the value of the property
Interest rates:  from 4,5% CHF (Swiss Frank) currency based
                           from 7,02% EUR (Euro) currency based
Tenor:               up to 40 years
Interest only:    optional for up to 6 years
Age limit:          up to unlimited age financing options

Investment mortgages for companies, corporate clients

1.    Buying purpose mortgage

This is a unique option for companies to have the classical mortgage financing option for their property investments. Applying for mortgage as a company, even as a start up company involves the owner(s) as guarantor(s) of the company mortgage.

2.    Buying purpose leasing option

The leasing option was the only possible solution for long term property financing for companies. This is a special financing option where the ownership stays at the lender during the term of the mortgage. At the end of the term the ownership is transferred automatically to the company which have taken the leasing financing option. By paying back the financed amount and terminating the leasing contract before the end of the term the ownership of the financed property is also automatically transferred from the bank to the company.

3.    Leasing back the property from the bank

This option is just like the free purpose/equity release option but for companies using the specific leasing financing. The owner company is selling the property for the term of the financing to the bank/leasing company. At the end of the term or at the end of the contract the ownership will be registered back to the company’s name which have taken the leasing back financing option.

Typical conditions for corporate investors:

Loan to value: up to 80-85% of the value of the property
Interest rates:  from 5,4% CHF (Swiss Frank) currency based
                           from 6,64% EUR (Euro) currency based
Tenor:               up to 25 years

Interest only:    optional for up to 2 years
Balloon payment*: optional for up to 20% of the value of the property

*Interest only and Balloon payment is not applicable in the same mortgage case