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Information regarding the provisions on lending

Changes in loans and lease contracts in accordance with the relevant Government Decrees taken to mitigate the effects of the COVID-19 epidemic.
You can declare online!

You can declare online!

Do you use our digital channels? Then you can declare online that you do not wish to benefit from the moratorium!

Repayment moratorium

For contracts specified in Government Decree No. 47/2020 (III. 18.) laying down immediate measures required in order to mitigate the effects on the national economy of the COVID-19 pandemic, until 31 December 2020, our bank assures payment delays on loan payments (including principal, interests and charges) for both retail and corporate customers. The term of these contracts is extended by the period of the moratorium, which also means that contracts due to expire before 31 December will not expire during that period.

All payments are automatically suspended as provided for in the Government Decree. Please note, that if you have given us a standing order for your loan instalments, it must be cancelled by you because these standing orders are not automatically suspended!

 

Overdraft and credit card products

 

The moratorium applies to corporate, small business and retail overdraft products, and to credit card products as well.

For details, click on the following below:

Declaration options

If you prefer to continue to pay your monthly instalments, leases, you have the opportunity to do so. Our retail, corporate and leasing clients can scroll down to find detailed information about what declaration options we provide.

 

Please note that  processing the declarations may take longer but your declaration will be taken into account and you will be excluded from the moratorium if you declare that you do not wish to participate in it. In the meantime, we ask for your understanding and patience. 

How to enter the required data in the online declaration process?

If you have access to the CIB Bank Mobile Application:

  • Please open the #withKEY function that you can find in the lower right corner of the CIB Bank Mobile Application’s home screen!
  • Enter your minimum 5, maximum 10 digits long PIN code or use the biometric authentication you use to log into the mobile application and to approve transactions.
  • On the www.cib.hu/nyilatkozom link, enter the customer ID and the #withKEY password that appears on the screen. 

If you do not have access to the CIB Bank Mobile Application: 

  • You can use the platform by entering your customer ID (typically the middle 8 digits of your GIRO account number or the user ID on your request form for CIB Internet-based digital services) and the password generated by your CIB Hard Token device. 
  • Enter the token PIN code, then generate a login password with button number 1.

Retail customers

 

Our retail customers who have access to CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application have the opportunity to declare online that they do not wish to benefit from the loan repayment delay regarding their personal loan, mortgage, overdraft or credit card products, by clicking here:

Declare online

 

If you don’t have access to any digital channels you can call our CIB24 call center at (+36 1) 4 242 242.

Small Business clients

 

Our Small Business clients (who are representatives of the company with single signatory right) who have access to CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application, have the opportunity to declare online that they do not wish to benefit from the loan repayment delay by clicking here:

Declare online 

 

If you don’t have access to any digital channels:

In case of small business overdraft products, please download and fill out the form named Tájékoztatás – kisvállalati folyószámlahitel that you can find in the related documents section at the bottom of the page and send it to kisvallalkozasok_moratorium@cib.hu

In case of other small business loan products, you can indicate your wish to continue paying your loan by filling out the form named Tájékoztatás moratóriumról – kisvállalati ügyfelek that you can find in the related documents section at the bottom of the page, and send it to kisvallalkozasok_moratorium@cib.hu.

If the company has representatives with single signatory right, you can indicate your wish to continue paying through CIB24.

Corporate clients

 

Our corporate clients can indicate their wish to pay their instalments by: 

  • contacting their Account Managers,
  • or downloading and filling out the form named Tájékoztatás moratóriumról – vállalati ügyfelek that you can find in the related documents section at the bottom of the page and send it to moratorium.valalat@cib.hu.  
    • Our corporate clients have the opportunity to use the payment delay only on the principal debt. In this case, they can pay the interest at the original rate, so the maturity of the loan does not increase. If you wish to take this opportunity, please, fill out the form named Tájékoztatás moratóriumról – vállalati ügyf. kamat  that you can find in the related documents section at the bottom of the page and send it to moratorium.valalat@cib.hu.
    • In case of corporate overdraft products, please download and fill out the form named Tájékoztatás – vállalati folyószámlahitel that you can find in the related documents section at the bottom of the page and send it to kisvallalkozasok_moratorium@cib.hu

Leasing clients

 

Our leasing clients who have access to CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application, have the opportunity to declare online that they do not wish to benefit from the loan repayment delay by clicking here:

Declare online

 

If you don’t have access to any digital channels:

We would like to ask you to please fill in the form Tájékoztatás a moratóriumról – lízing ügyfelek for leasing clients that you can find in the related documents section at the bottom of the page and send it to lizinghitelcentrum@cib.hu.

We ask our corporate leasing clients to sign the form with firm signature and to attach a copy of the specimen signature title to the form.

For clients who pay their monthly fees by direct debit order and have declared their wish to continue paying by 6 April 2020, we will submit a direct debit order for the April monthly fee after the deadline, so there is no need to make an individual transfer.

If you have already made a statement that you do not wish to avail yourself of the moratorium but subsequently decide to do so, you have the possibility to opt back in:
  • Our clients who have personal loans, mortgage and credit cards can make the statement regarding their decision to opt-back in via the CIB24 call centre by calling (+36 1) 4 242 242. Our clients with overdraft products can make the same statement from June 9, 2020 also via the help of CIB24. 
  • We ask our leasing clients to download the “Nyilatkozat a moratóriumba visszalépésről – lízing” named form from the related documents at the bottom of the page, and once completed, send it to the lizinghitelcentrum@cib.hu e-mail address. 
Our personal loan is available again

Our personal loan is available again

We inform our clients that our personal loan now complies with the Government Decree and is available again. Click for details!

New loan contracts

 

CIB Bank offers mortgage loans, the CIB Előrelépő Personal Loan and the ‘Babaváró’ loan. 

For non-mortgage loan products, in accordance with the Government Decree, the Annual Percentage Rate must not exceed the base rate + 5% (currently 5.90%).

We are currently working on adjusting our credit card and overdraft products to comply with the Government Decree. No new applications for such products are possible until these have been issued. 

If you are interested in any of those products, please provide us with your contact details so we can get in touch with you as soon as they become available.

Thank you for your understanding!

What do I have to do if my loan is secured by Loan Repayment Insurance?

Insurance is not subject of the moratorium and must continue to be paid to ensure that the legal relationship between the insurer and the insured does not cease to exist. If you decide to use the moratorium and do not continue to pay loan instalments, you will still have to pay the insurance fee. To do this, we would like to ask you to continue to transfer or pay the insurance fee as usual, or to make sure that the sum of the insurance fee is available on your current account on the due date of your loan instalment, so we are able to deduct it.

Tájékoztatás a KHR-be történő adattovábbításról

A moratórium érinti azt is, hogy a CIB Bank és a CIB Lízing a késedelmes tartozást hogyan kezeli, valamint a KHR felé történő adatátadás a jogszabályi előírások figyelembevételével módosult. A részleteket megtalálja az oldal alján a kapcsolódó dokumentumok között elérhető KHR tájékoztatás nevű anyagban.

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