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Information about the moratorium

Changes affecting loans and leasing agreements, in accordance with the relevant statutory provisions.
Extension of the moratorium

The repayment moratorium introduced due to the coronavirus pandemic has been extended for a number of key social groups and businesses struggling with financial difficulties until 30 June 2021.

For more details, click on the "New moratorium (Moratorium 2)” menu item.

Moratorium 1

In respect of the contracts specified in Government Decree no. 47/2020 (III. 18.) on the immediate actions necessary to mitigate the effects of the coronavirus pandemic on the national economy – repealed upon cessation of the state of danger – or in Act LVIII of 2020 on the transitional rules and epidemiological preparedness related to the cessation of the state of danger enacted in accordance with the said decree, our bank grants deferral of debt servicing (principal, interest and fee payments) in the following manner: our retail and corporate customers will be granted a deferral until 31 December 2020, while certain priority social groups and businesses in financial difficulties, as defined in Act CVII of 2020 on transitional measures implemented to stabilise the situation of certain priority social groups and enterprises in financial difficulties, will be granted a deferral until 30 June 2021. 

Contracts covered by Moratorium 1 that would have expired by 31 December 2020 during the period up to 31 December 2020 will not expire by 31 December 2020. Repayments under Moratorium 1 are automatically suspended in accordance with the statutory regulation. 

It is important, however, that if you have previously placed a standing inter-account transfer / transfer order to repay the instalments, you must withdraw it, as these will not be cancelled automatically! In the event that you avail yourself of the moratorium, but have not yet withdrawn your standing inter-account transfer order from the current account held with CIB Bank for loan repayment, the amount transferred under your order will be credited to your account. 

We provide an opportunity for our customers to continue to pay the affected loans and leasing transactions if they wish. You can find all the details by clicking on “Options for declaration-making" at the top of the page. 

More information on changes concerning leasing agreements and the related tasks, if any, are available in the related documents at the bottom of the page in the information for leasing customers.

Overdraft and credit card products


The repayment moratorium also applies to corporate, small-business and retail overdraft facilities and credit cards. 

For more details please click on the following links:

What regular notifications do we send to our retail customers in connection with the moratorium?
  • Monthly notification: At the end of each month, we inform our retail customers who have not withdrawn from the moratorium on the portion of their loan /lease agreement that is subject to the moratorium, the amount of accrued unpaid interest and fees, and the amount of any overdue debt, which becomes due only after the moratorium expires.
    • Our customers with a bank loan or credit will be notified in a push message or our customers who do not have a CIB Bank Mobile Application will be notified via SMS.
    • Our customers with a lease agreement will receive a postal letter.
  • Notification of data transmission to CCIS: information on what modified data have been transmitted to the Central Credit Information System due to the moratorium. 

It is important to note that both notifications are for information only, they do not entail a payment obligation! 


Monthly notification related to the moratorium

We send a monthly notification via push message or SMS via the CIB Bank Mobile Application to our retail bank customers whose loan is currently subject to the moratorium, and we send a postal letter to our retail customers with a lease agreement subject to the moratorium so that they can track the level of their debt. 

What do the data in the notification mean?

1.    Principal debt: the total principal debt subject to the moratorium. 

  • Credit cards and overdrafts: the part of the limit that is subject to the moratorium.
  • Personal loans and property-backed loans: the principal debt existing at the time the moratorium entered into force.

2.    Interest debt: pro rata interest accrued during the moratorium period. This amount shall be paid in equal monthly instalments upon expiry of the moratorium or withdrawal from the moratorium. 
3.    Fees debt: pro rata fees accrued during the moratorium period. This amount shall be paid in equal monthly instalments upon expiry of the moratorium or withdrawal from the moratorium, along with the interest debt. 
4.    Overdue debt not due until 1 January 2021: Debt that was overdue when the moratorium entered into force (midnight on 18 March 2020), which becomes due immediately after the moratorium, will not be divided into monthly instalments. If you do not have such debt, HUF 0 is indicated in the message. 

Interest and fee debt accrued during the moratorium shall be paid in equal monthly instalments in accordance with the relevant legislation1  in a manner that the sum of the repayment due and the interests and fees accrued during the moratorium and repayable in equal monthly instalments does not exceed the amount of the repayments as per the original agreement. To this end, the term of the contract will be extended as necessary after the moratorium expires.


Notice on data transmission to CCIS 

Banks and other credit institutions and financial enterprises register the reference data of their customers in the CCIS (Central Credit Information System). When these reference data change for any reason, our bank / leasing company is obliged to inform the affected customers about the transfer of the data to CCIS. 
Due to the moratorium, the method of repayment (i.e. the way you have settled your debt so far, e.g. in equal monthly instalments) is changed to a grace period compared to the original contract, therefore our customers whose credit product is subject to the moratorium at the moment will receive an information letter on the transmission of reference data to the CCIS.

Please note:

  • If you have a contract expiring this year and it is subject to the moratorium: the maturity date of the loan transaction has been changed to 31 January 2021. 
  • If you have a contract that does not expire this year: the expiry has not been changed for the moment. After the expiry of the moratorium or withdrawal from the moratorium, we will send you another letter, which will already include the new expiry date.
  • If there is any change in your reference data (e.g. change of personal data: telephone number, e-mail address, etc.), you will receive the notification letter again.  

New loan contracts


At CIB Bank, you can apply for a mortgage loan, a CIB 'Előrelépő' Personal Loan or a prenatal baby support loan. 

According to the relevant statutory regulations, until 31 December 2020, in the case of loan products not secured by mortgage, the annual percentage rate may not be higher than the central bank base rate + 5%.

In the case of credit cards and overdraft facilities, on a temporary basis, new applications cannot be accepted. 

Inquiring customers may provide their contact information so we can contact them as soon as the products become available. Thank you for your understanding!

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

The deferral of payment does not apply to insurance premiums, so these must be still be paid in order to ensure that the insured relationship is not cancelled. If you decide to avail yourself of the moratorium and stop paying the instalments any further, you will still have to pay the insurance premium. To maintain the continuity of the premium payment, please continue to transfer or pay the insurance premium to your account used for loan repayment or ensure that the insurance premium is available in your current account on the due date of your loan repayment, so that we can deduct it.

Information on the practice of forwarding data to the CCIS

The moratorium also affects how CIB Bank and CIB Leasing handle overdue debts, furthermore, the transfer of data to the CCIS has been modified taking into account the statutory requirements. Details can be found at the bottom of the page in the material entitled CCIS Information available in the related documents.

Legal information

1 Act LVII of 2020 on transitional rules and epidemiological preparedness related to the termination of the state of emergency.

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