Information regarding the provisions on lending
You can declare online!
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.
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:
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:
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:
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.
Our personal loan is available again
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.