Fizetesi Moratorium Kalkulator

Your details

The outstanding principal at the moment you enter the moratorium.
HUF
The nominal annual interest rate on your loan contract.
%
Number of months left on your original repayment schedule at moratorium start.
months
How many months payments are deferred. The Hungarian government moratorium ran from March 2020 to December 2022 (up to 33 months depending on eligibility).
months
Under the Hungarian Government Regulation No 62/2020, interest accrued during the moratorium is NOT capitalised but is instead spread equally across the remaining instalments, extending the loan term.
Total deferred interestHigh extra cost
275,000HUF

Interest that accrued during the moratorium period without being paid

Original monthly instalment54,263HUF
Term extension9months
New total loan term129months
Balance at moratorium end5,000,000HUF
Original total interest (no moratorium)1,511,577HUF
Total interest with moratorium1,999,945HUF
Extra interest cost from moratorium488,368HUF
Cash freed during moratorium651,158HUF
Interest (no moratorium)1,511,577
Interest (with moratorium)1,999,945
Extra interest cost488,368

Your 12-month payment pause costs 488,368 HUF in extra interest over the life of the loan.

  • The moratorium adds 9 months (0.8 years) to your loan term to absorb the deferred interest without raising your monthly instalment.
  • Interest that accrued during the pause: 275,000 HUF - this is the direct cost of deferral.
  • Cash freed during the moratorium: 651,158 HUF in payments you skipped. Whether this outweighs the extra interest depends on what you do with that liquidity.
  • The total long-run interest penalty is 488,368 HUF. This is unavoidable as long as the balance continues to accrue interest during the pause.

Next stepIf you can make partial payments during the moratorium, even just paying the monthly interest prevents any term extension. Contact your lender to confirm which moratorium option applies to your contract.

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