Declaration options
The expiration of the moratorium has been extended
We inform our clients, that the expiration of the moratorium has changed: it will be valid until September 30, 2021 in accordance with the relevant legislation.
Two types of declarations can be made in relation to the moratorium available from 1 January 2021 to 30 September 2021:
- If your loan / lease was under the moratorium in December 2020, we automatically extended the moratorium for you from January 2021. If you want to opt out of it, you have to make a declaration.
- If your loan / lease was not under the moratorium in December 2020, but you want to opt in to the moratorium from January 2021, you must make a declaration about this.
In addition, you can withdraw from or enter into the moratorium at any time until 30 September 2021, in both cases you must make a declaration. See the details below.
Guide to entering the information requested when applying online
If you have a CIB Bank Mobile Application:
- Please open the #withKEY function in the lower right corner on the home screen of the CIB Bank Mobile Application!
- Enter your PIN code consisting of at least 5 but not more than 10 digits or biometric identifier used to log in to the mobile application and to approve transactions.
- Enter your customer ID and #withKEY password displayed on the www.cib.hu/nyilatkozom page.
If you have a CIB Hard Token:
- You can access the interface by entering your username (typically the middle 8 digits of your GIRO account number or the user ID on the CIB Internet-based electronic services request form) and your password generated by your CIB Hard Token device.
- Enter the token PIN code, then generate a login password using button 1.
What to do in case of retail clients?
|
Situation |
To do |
|
Your loan is currently not under the moratorium and you do not wish to be under the moratorium |
You have nothing to do, but you can indicate at any time by September 30, 2021 that you want to opt in to the moratorium as described in the following situation. |
|
Your loan is currently not under the moratorium, but you would like to be under it |
Our retail customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration about opting in to the moratorium on their personal loan, mortgage loan, overdraft and credit card:
If you do not have an electronic channel, you can make a declaration via our CIB24 call center at (+36 1) 4 242 242 according to the guidelines provided by our colleagues. The setting will be made within 3 working days, but you can indicate at any time later that you wish to exit. |
|
Your loan is under the moratorium on 31 December 2020 and you wish to remain in it |
You have nothing to do, we automatically extended the moratorium until September 30, 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time by following the steps written in the following situation. |
|
Your loan is currently under the moratorium, but you would like to opt out of the moratorium |
Our retail customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration about opting out of the moratorium on their personal loan, mortgage loan, overdraft and credit card:
If you do not have an electronic channel, you can make a declaration via our CIB24 call center at (+36 1) 4 242 242 according to the guidelines provided by our colleagues. The setting will be made within 3 working days, but you can indicate at any time later that you wish to opt in. |
|
Your loan is currently under the moratorium, you wish to remain in it and you have already made a declaration to that effect in some form until 23 December 2020 |
You have no further action to take, we considered your statement - without examining eligibility - and set an extension of the moratorium until 30 September 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time, as described in the previous situation. |
What to do in case of small business clients?
|
Situation |
To do |
|
Your loan is currently not under the moratorium and you do not wish to be under the moratorium |
You have nothing to do, but you can indicate at any time by September 30, 2020 that you want to opt in to the moratorium as described in the following situation. |
|
Your loan is currently not under the moratorium, but you would like to be under it |
Our customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration about opting in to the moratorium on their personal loan, mortgage loan, overdraft and credit card:
If the company has an independent company registrar, they have the opportunity to indicate their intention to pay via our CIB24 call center at (+36 1) 4 242 242 according to the guidelines provided by our colleagues. The setting will be made within 3 working days, but you can indicate at any time later that you wish to exit. |
|
Your loan is under the moratorium on 31 December 2020 and you wish to remain in it |
You have nothing to do, we automatically extended the moratorium until September 30, 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time by following the steps written in the following situation. |
|
Your loan is currently under the moratorium, but you would like to opt out of the moratorium |
Our customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration online about opting out of the moratorium on their personal loan, mortgage loan, overdraft and credit card:
If they do not have an electronic channel: In the case of a small business overdraft, please download the information on the overdraft for small business customers from the related documents at the bottom of the page, then send it to the e-mail address kisvallalkozasok_moratorium@cib.hu. In the case of other small business loans, you can make a declaration by filling in the information in the document for small business customers in the related documents at the bottom of the page. Please send the completed document to the e-mail address kisvallalkozasok_moratorium@cib.hu. If the company has an independent company registrar, they have the opportunity to indicate their intention to pay via our CIB24 call center at (+36 1) 4 242 242 according to the guidelines provided by our colleagues. The setting will be made within 3 working days, but you can indicate at any time later that you wish to opt in. |
|
Your loan is currently under the moratorium, you wish to remain in it and you have already made a declaration to that effect in some form until 23 December 2020 |
You have no further action to take, we considered your statement - without examining eligibility - and set an extension of the moratorium until 30 September 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time, as described in the previous situation. |
What to do in case of SME/corporate clients?
|
Situation |
To do |
|
Your loan is currently not under the moratorium and you do not wish to be under the moratorium |
You have nothing to do, but you can indicate at any time by September 30, 2020 that you want to opt in to the moratorium as described in the following situation. |
|
Your loan is currently not under the moratorium, but you would like to be under it |
|
|
Your loan is under the moratorium on 31 December 2020 and you wish to remain in it |
You have nothing to do, we automatically extended the moratorium until September 30, 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time by following the steps written in the following situation. |
|
Your loan is currently under the moratorium, but you would like to opt out of the moratorium |
|
|
Your loan is currently under the moratorium, you wish to remain in it and you have already made a declaration of intent to that effect in some form until 23 December 2020 |
You have no further action to take, we considered your statement - without examining eligibility - and set an extension of the moratorium until 30 September 2021. |
What to do in case of leasing clients?
|
Situation |
To do |
|
Your leasing contract is currently not under the moratorium and you do not wish to be under the moratorium |
You have nothing to do, but you can indicate at any time by September 30, 2020 that you want to opt in to the moratorium as described in the following situation. |
|
Your leasing contract is currently not under the moratorium, but you would like to be under it |
Our leasing customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration online about opting in to the moratorium:
With the help of the CIB Bank Mobile Application, our retail1 customers with only a leasing contract also have the opportunity to declare online about the moratorium. Click here for more details. If you don’t have access to an electronic channel, please download the withdrawal information for leasing customers from the related documents at the bottom of the page before the repayment date of your lease, then send it completed to the e-mail address moratorium_lizing2020@cib.hu. The setting will be made within 3 working days, but you can indicate at any time later that you wish to exit. |
|
Your leasing contract is under the moratorium on 31 December 2020 and you wish to remain in it |
You have nothing to do, we automatically extended the moratorium until September 30, 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time by following the steps written in the following situation. |
|
Your leasing contract is currently under the moratorium, but you would like to opt out of the moratorium |
Our leasing customers who have CIB Internet Bank, CIB Bank Online or CIB Bank Mobile Application can make a declaration online about opting out of the moratorium:
With the help of the CIB Bank Mobile Application, our retail1 customers with only a leasing contract also have the opportunity to declare online about the moratorium. Click here for more details. If you do not have an electronic channel:
The setting will be made within 3 working days, but you can indicate at any time later that you wish to opt in. |
|
Your leasing contract is currently under the moratorium, you wish to remain in it and you have already made a declaration to that effect in some form until 23 December 2020 |
You have no further action to take, we considered your statement - without examining eligibility - and set an extension of the moratorium until 30 September 2021. If you later decide that you want to opt out of the moratorium, you can indicate this at any time, as described in the previous situation. |
Legal information
1A private person governed by Act CVII of 2020, not including smallholders and sole traders.
In the case of customers who have a loan provided by CIB Lízing Zrt. (hereinafter: Leasing) disbursed by 24:00 hrs on 18.03.2020 on the basis of a loan agreement still outstanding at 24:00 hrs on 18.03.2020, or, in the case of leasing agreements, in respect of leasing agreements in relation to which on or before 18.03.2020 CIB Leasing has already acquired title to the leased object and the leased object has been transferred to the customer, regardless of whether the invoice has been paid or not.