The lending market has surprises in store in 2026 too — but whoever pays attention can come out ahead. Here is everything you need to know before you take out a loan.
1. Know the JTM limit
The JTM (debt-to-income ratio) simply tells you how large a monthly instalment you can carry. Banks look at it strictly — ask for too much and you will be refused. It is worth clarifying this up front.
- Income below HUF 500,000: at most 50%
- Income above HUF 500,000: at most 60%
2. Fixed or variable rate?
Fixed-rate loans are predictable — you know what you pay each month. Variable-rate loans may be cheaper at first, but if the rate rises, the instalment goes up too.
Tip: if you are planning for more than 5 years, a fixed rate is usually the safer choice.
3. Compare the banks
Every bank offers something different. The interest rate alone is not enough — the THM (Hungarian APR) shows the real cost. A good adviser helps with this.
4. Pre-qualification matters
Before you start looking for a property, get pre-qualified by a bank. It shows how much you are eligible for — and a seller takes you more seriously when they know you have the money.
Have a question? Get in touch with us — we will help you find the best solution.
