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Hitel.hu review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Hitel.hu is a Hungarian broker worth a look if you want a secured home loan arranged through an intermediary, and it suits people who value fee-free deals over picking a lender directly. It scores 9.2 overall, with a 3% rate and a 90% ceiling on borrowing.

Key facts

Best for
Secured home and personal borrowing arranged through a Hungarian broker.
APR
3%↗
Loan amount
up to HUF 15,000,000↗
Arrangement fee
0 HUF↗
Rate type
Fixed↗
Lender type
Broker↗
Loan types
Personal, Secured, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
OC Penzugyek Hitelkozvetito Kft. (OC Pénzügyek Hitelközvetítő Kft.)↗
Headquarters
Hungary↗
Support channels
Phone↗
Pricing model
Fixed rate
Official website
hitel.hu

Mortgages

Initial rate
3%↗
Maximum loan to value
90%↗
Product fee
HUF 0↗
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Arrangement fee of 0 HUF and a product fee of HUF 0 keep entry costs down
  • A 3% rate with a fixed rate model, so repayments stay level
  • Loans of up to HUF 15,000,000 cover both home improvement and debt consolidation
  • Ranked 32 of 338 brands on APR

Cons

  • Support runs on phone only, so phone is the single route in
  • As a broker, Hitel.hu sits between you and the lender that actually funds the loan
  • 3% applies to home lending; personal and consolidation loans quote separately
Hitel.hu

Ready to try Hitel.hu?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Hungarian homeowners wanting a secured loan for purchase or remortgage
  • Borrowers consolidating existing debts into one fixed rate repayment
  • Anyone who wants no arrangement or product fee to start

Who should look elsewhere

  • Borrowers wanting to deal with a lender directly rather than through a broker
  • People who need email or chat support, since phone lists phone only
  • Applicants outside Hungary, where HU places the business

How it compares on our data

On loan amount Hitel.hu ranks 55 out of 665 brands in our set, and on APR it sits at 32 out of 338. The 3% rate is the figure that lifts it: for a fixed rate home loan in Hungary that sits well below the wider field. The up to HUF 15,000,000 ceiling is large in forints, so the size of the facility is not the limit here.

The company behind it

Hitel.hu runs as OC Penzugyek Hitelkozvetito Kft., a Hungarian credit intermediary based in Hungary. It works as a broker rather than a lender, placing borrowers with a bank or partner institution. Contact runs over phone, so a phone call is the practical route for questions before and after an application.

How Hitel.hu compares

Where Hitel.hu is available

Available
Hungary

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What fees does Hitel.hu charge?+

The arrangement fee is 0 HUF and the product fee is HUF 0, so both listed charges sit at nothing. The interest rate itself is 3%. Because Hitel.hu is a broker, the lender it places you with may set its own charges, and those sit outside this listing.

Is my money protected at Hitel.hu?+

Hitel.hu is a broker, so it arranges loans rather than holding deposits or lending from its own balance sheet. Money moves to the lender that approves the application, and the protection rules that apply come from that lender rather than from the broker. Check the terms your lender sends before you sign.

How much can I borrow?+

Borrowing runs to up to HUF 15,000,000, a wide ceiling in forints. The loan types listed include personal, secured and debt consolidation, so a large draw for a home project and a smaller sum to clear other debts both fit. Secured lending allows a higher ceiling than an unsecured one.

Is the rate fixed or variable?+

The rate type is fixed, and the model is a fixed rate product. That means your payments stay level across the term and a rise in market rates does not push your monthly cost up. The quoted rate is 3%.

What can I use a Hitel.hu loan for?+

The stated purposes cover purchase, remortgage, first time buyer and home equity, and the use cases include home improvement. Debt consolidation appears in the loan types, so pulling several existing balances into one fixed rate repayment is possible. A renovation is the clearest fit of these.

How much can I borrow against a home?+

The maximum loan to value is 90%, which is the typical ceiling for Hungarian home lending. That means the property secures the borrowing and the mortgage can exceed the deposit you put in. Anything above the ceiling needs extra security or a larger deposit.

Which country is Hitel.hu for?+

Hitel.hu is based in Hungary and lends into the Hungarian market, so a Hungarian property and Hungarian credit file are what the quotes assume. Borrowers elsewhere would not get a rate from this listing. The 3% figure is a Hungarian market rate.

How do I get hold of Hitel.hu?+

Support runs on phone, meaning phone is the way in for questions and for following an application. There is no listed email or chat route, so plan the call around your application rather than expecting an instant written reply.

Sources

  • hitel.hu checked September 26, 2026

    Backs: APR, Headquarters, Lender type, Loan types, Arrangement fee, Use cases

    “Lakáshitel, személyi kölcsön 2026 banki ajánlatok és országos közvetítő hálózat”

  • hitel.hu checked September 26, 2026

    Backs: Product fee, Purpose

    “Free of charge - Conveniently - Personally - Search, find, save!”

  • hitel.hu/blog/3-os-lakashitel-magyarorszagon-atfogo-utmut... checked September 26, 2026

    Backs: Initial rate, Maximum loan to value

    “Although the interest rate will be uniformly 3%, the banks' other costs and conditions may differ”

  • hitel.hu/rolunk checked September 26, 2026

    Backs: Legal entity

    “Sales Director - Hitel.hu, OC Pénzügyek Hitelközvetítő Kft.”

  • hitel.hu/szemelyi-kolcson checked September 26, 2026

    Backs: Loan amount, Pricing model, Rate type, Support channels

    “Személyi kölcsön: akár 15 millió Ft is felvehető”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Credit check, Funding time, Representative example.

Hitel.hu

Hitel.hu

Secured home and personal borrowing arranged through a Hungarian broker.

8.8/10See alternatives