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 Hungarian Government Regulation No 62/2020 the interest accrued during the moratorium is NOT capitalised and does not bear interest. It is repaid in equal monthly parts with the resumed instalments, and the term is extended so the total payment never exceeds the original instalment.
Total deferred interestHigh extra cost
275,000HUF

Interest that accrued during the moratorium period without being paid

Original monthly instalment54,263HUF
Post-moratorium monthly instalment54,187HUF
Term extension7months
New total loan term127months
Balance at moratorium end5,000,000HUF
Original total interest (no moratorium)1,511,577HUF
Total interest with moratorium1,881,725HUF
Extra interest cost from moratorium370,149HUF
Cash freed during moratorium651,158HUF
Interest (no moratorium)1,511,577
Interest (with moratorium)1,881,725
Extra interest cost370,149

Your 12-month payment pause costs 370,149 HUF in extra interest over the life of the loan.

  • The moratorium adds 7 extra instalments beyond your original remaining term, so the payoff date moves out by 19 months once the 12-month pause itself is counted. Your instalment does not rise.
  • 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 370,149 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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