Denomination 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Stock of housing loans
Stock at the end of year, pieces
loans with subsidies .. 133,756 299,564 406,139 413,506 394,555 374,778 330,616 326,524 318,830 298,368 270,008 249,208 237,742 220,487 206,013 190,172 173,093 159,417 158,239 167,460 172,424 166,753
loans without subsidies .. 114,293 165,879 299,801 334,697 379,911 430,360 508,189 506,948 499,672 507,459 476,103 476,842 488,597 430,628 436,217 454,446 502,382 505,240 509,461 514,429 502,716 485,020
total .. 248,049 465,443 705,940 748,203 774,466 805,138 838,805 833,472 818,502 805,827 746,111 726,050 726,339 651,115 642,230 644,618 675,475 664,657 667,700 681,889 675,140 651,773
Of which:
foreign exchange loan .. .. .. 27,986 92,722 186,551 272,462 358,533 364,492 355,314 288,951 228,418 217,569 206,218 1,382 1,016 799 495 361 311 269 225 217
at banks .. 122,814 228,562 420,061 435,818 446,737 452,852 488,116 490,771 478,244 437,280 381,983 369,101 366,750 312,374 292,638 284,020 296,293 318,268 324,063 334,472 334,070 324,072
at mortgage banks .. 67,228 169,905 216,747 247,675 266,410 295,599 300,511 295,626 296,567 267,092 255,131 244,937 243,240 214,246 214,104 210,953 215,344 209,111 212,134 221,044 218,618 209,660
at savings banks .. 58,007 66,976 69,132 64,710 61,319 56,687 50,178 47,075 43,691 40,308 37,515 33,111 28,069 25,899 26,393 28,854 29,473 – – – – –
at home savings banks .. .. .. .. .. .. .. .. .. .. 61,147 71,482 78,901 88,280 98,596 109,095 120,791 134,365 137,278 131,503 126,373 122,452 118,041
Sum of stock at the end of year, million HUF
loans with subsidies .. 493,623 1,213,495 1,535,158 1,630,712 1,620,135 1,530,124 1,338,311 1,335,965 1,229,776 1,122,739 996,307 908,622 834,362 751,395 691,589 639,698 590,966 597,764 652,004 767,980 887,648 950,930
loans without subsidies .. 112,337 223,377 339,516 611,273 1,053,449 1,578,607 2,536,677 2,584,076 3,054,406 3,099,378 2,514,391 2,409,724 2,489,822 2,245,762 2,220,816 2,374,842 2,732,940 3,034,131 3,352,452 3,817,400 4,040,534 4,052,056
total .. 605,960 1,436,872 1,874,674 2,241,985 2,673,584 3,108,731 3,874,988 3,920,041 4,284,182 4,222,117 3,510,698 3,318,346 3,324,184 2,997,157 2,912,405 3,014,540 3,323,906 3,631,895 4,004,456 4,585,380 4,928,182 5,002,986
Of which:
foreign exchange loan .. .. .. 142,906 464,479 918,099 1,458,663 2,365,463 2,462,719 2,818,290 2,644,394 1,902,620 1,756,838 1,738,871 6,771 6,070 4,314 3,510 3,008 2,708 2,213 2,088 1,976
at banks .. 283,625 616,677 836,469 1,098,917 1,469,942 1,777,274 2,420,474 2,497,015 2,817,977 2,769,581 2,221,902 2,128,987 2,155,087 1,876,859 1,729,592 1,723,323 1,856,869 2,119,771 2,326,684 2,687,874 2,892,875 2,943,830
at mortgage banks .. 250,256 715,071 908,141 1,006,641 1,055,166 1,178,820 1,313,965 1,285,969 1,332,202 1,256,729 1,060,244 947,798 904,128 810,866 807,642 838,020 918,942 1,033,435 1,178,245 1,372,972 1,491,772 1,536,535
at savings banks .. 72,079 105,124 130,064 136,427 148,476 152,637 140,549 137,057 134,003 127,157 118,378 100,698 83,886 81,018 91,814 101,386 112,570 – – – – –
at home savings banks .. .. .. .. .. .. .. .. .. .. 68,650 110,174 140,863 181,083 228,414 283,357 351,811 435,525 478,689 499,527 524,534 543,535 522,621
Rating of home loans, stock, %
Performing exposure .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 94.9 97.3 97.6 96.3 96.8 97.9
Non-performing exposure .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 5.1 2.7 2.4 3.7 3.2 2.1
Total .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 100.0 100.0 100.0 100.0 100.0 100.0
Rating of home loans, sum, %
Performing exposure .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 95.2 97.2 97.9 96.6 97.4 98.4
Non-performing exposure .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 4.8 2.8 2.1 3.4 2.6 1.6
Total .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 100.0 100.0 100.0 100.0 100.0 100.0
Restructured exposure, stock, %
As % of performing loans .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 1.4 0.8 0.8 7.7 2.7 1.4
As % of non-performing loans .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 32.7 29.4 30.2 47.5 59.3 46.2
Restructured exposure, sum, %
As % of performing loans .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 1.7 1.2 0.9 7.4 2.9 1.4
As % of non-performing loans .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 39.1 33.7 33.1 46.1 67.8 53.0
Approved housing loans
Approved housing loans in the period, pieces
loans with subsidies 21,877 79,419 133,620 63,419 39,584 32,456 19,067 14,973 14,054 2,274 1,179 1,821 8,144 10,807 8,299 12,491 13,401 9,074 12,688 17,926 31,404 30,385 12,098
loans without subsidies 54,431 72,440 63,051 60,797 81,550 116,343 111,588 130,531 41,896 39,310 56,139 52,111 32,519 42,857 60,135 68,693 82,206 98,930 83,963 72,222 78,480 63,215 39,507
total 76,308 151,859 196,671 124,216 121,134 148,799 130,655 145,504 55,950 41,584 57,318 53,932 40,663 53,664 68,434 81,184 95,607 108,004 96,651 90,148 109,884 93,600 51,605
Of which:
foreign exchange loan .. .. .. 19,342 60,819 96,461 98,646 115,805 31,658 9,443 267 69 14 6 8 – … … – – – … …
at banks 52,475 122,921 164,968 104,137 101,026 128,883 112,361 111,741 47,918 29,381 23,063 17,184 9,690 15,189 21,683 25,972 33,547 40,246 39,187 42,470 52,941 43,592 19,270
at mortgage banks 5,087 10,428 11,885 7,545 9,310 8,457 10,779 28,647 4,198 10,284 11,188 8,888 8,429 12,421 15,058 19,738 22,592 24,278 25,042 24,632 33,997 27,114 13,999
at savings banks 18,746 18,510 19,818 12,534 10,798 11,459 7,515 5,116 3,834 1,919 2,336 2,588 1,416 1,404 1,995 3,521 3,868 3,334 1,258 – – – –
at home savings banks .. .. .. .. .. .. .. .. .. .. 20,731 25,272 21,128 24,650 29,698 31,953 35,600 40,146 31,164 23,046 22,946 22,894 18,336
Sum of approved housing loans in the period, million HUF
loans with subsidies 82,697 367,111 713,685 314,640 192,245 180,330 99,291 81,748 78,754 9,598 6,093 9,063 40,359 59,228 44,921 76,537 94,166 66,953 128,402 149,514 246,530 286,372 125,925
loans without subsidies 72,572 120,791 122,080 197,118 345,637 566,425 668,427 869,821 243,773 199,115 223,719 198,041 116,179 185,262 315,142 400,761 548,236 785,986 778,311 768,194 1,061,545 900,521 481,711
total 155,269 487,902 835,765 511,758 537,882 746,755 767,718 951,569 322,527 208,713 229,812 207,104 156,538 244,490 360,063 477,298 642,402 852,939 906,713 917,708 1,308,075 1,186,893 607,636
Of which:
foreign exchange loan .. .. .. 106,391 307,013 538,952 647,566 845,705 217,903 57,338 2,132 553 148 36 84 – … … – – – … …
at banks 105,189 406,372 725,441 441,895 466,404 666,000 676,408 762,297 287,396 149,878 114,684 87,569 52,465 101,492 165,721 219,550 320,914 441,476 489,963 529,180 787,001 700,995 358,607
at mortgage banks 19,224 43,291 53,849 32,748 37,563 36,955 60,803 167,707 18,982 51,180 57,512 48,279 42,265 66,770 93,396 132,681 174,699 231,457 284,834 289,393 405,685 377,636 186,539
at savings banks 30,856 38,239 56,475 37,115 33,915 43,800 30,507 21,565 16,149 7,655 10,240 11,895 9,479 6,179 10,833 19,977 22,592 23,321 10,396 – – – –
at home savings banks .. .. .. .. .. .. .. .. .. .. 47,376 59,361 52,329 70,049 90,113 105,090 124,197 156,685 121,520 99,135 115,389 108,262 62,490
Disbursed housing loans
Disbursed housing loans, pieces
construction 18,455 28,206 51,753 54,018 40,229 37,552 33,000 28,462 19,590 9,502 8,017 8,295 3,935 4,434 4,410 8,109 13,958 14,633 19,249 17,373 13,594 18,680 11,849
buying new flat 4,517 10,988 25,874 25,868 17,713 17,927 17,132 16,086 11,311 6,087 4,582 3,960 3,438 4,592 2,551 3,551 5,749 7,544 9,353 8,058 8,420 8,685 5,096
buying old flat 25,072 64,496 94,089 41,851 60,130 73,453 65,374 75,187 29,339 30,217 30,113 28,292 25,690 44,114 46,822 55,305 65,957 67,189 63,814 60,686 72,081 45,033 29,656
modernizing, enlarging 29,886 38,961 55,498 29,743 18,464 23,579 22,053 23,525 11,288 9,563 16,736 14,085 9,713 11,860 10,920 11,720 13,478 15,011 11,872 12,892 22,706 17,338 7,093
surmounting 222 254 617 668 439 129 124 59 16 38 2,146 13 6 – – – – – – – – – –
redemption 110 126 81 709 1,492 1,679 3,062 3,926 598 741 6,269 12,876 2,090 3,803 6,458 3,768 3,233 3,297 5,511 3,139 3,497 2,507 1,032
other 3,957 3,989 10,006 18,259 16,577 21,603 7,672 9,361 2,363 2,987 2,466 1,396 1,023 5,142 4,048 2,634 2,194 1,171 1,540 1,874 1,049 814 618
total 82,219 147,020 237,918 171,116 155,044 175,922 148,417 156,606 74,505 59,135 70,329 68,917 45,895 73,945 75,209 85,087 104,569 108,845 111,339 104,022 121,347 93,057 55,344
Sum of disbursed housing loans, million HUF
construction 63,323 102,260 187,095 146,189 92,473 117,602 101,347 102,309 60,357 26,182 22,846 16,705 13,380 15,124 19,186 38,015 60,012 70,123 87,260 78,739 80,396 129,616 69,208
buying new flat 21,375 51,130 119,782 136,180 85,486 112,308 102,325 129,687 76,661 34,921 23,761 16,604 15,307 16,184 14,802 24,128 43,450 82,804 106,384 111,415 135,609 170,274 93,355
buying old flat 50,311 247,660 445,466 189,832 265,784 362,482 424,713 563,382 180,630 150,958 147,382 105,679 114,444 183,707 250,778 337,618 443,342 596,322 599,483 636,067 857,778 632,454 430,320
modernizing, enlarging 25,631 56,878 94,648 50,148 31,696 46,385 47,581 41,213 18,389 15,131 25,522 22,457 17,452 22,301 23,915 28,483 34,842 43,672 49,518 42,127 118,720 98,542 30,450
surmounting 1,334 836 1,161 2,080 2,642 887 1,222 376 136 252 7,169 12 43 – – – – – – – – – –
redemption 212 353 234 3,094 5,081 6,333 20,029 29,624 3,470 4,274 30,205 72,033 5,780 12,320 44,419 19,019 14,281 18,817 20,787 29,007 42,883 28,060 8,461
other 5,881 10,622 13,288 21,450 46,806 84,247 25,103 20,385 5,880 8,465 4,919 2,306 1,855 3,995 8,182 8,462 8,774 10,898 12,955 19,415 13,192 10,079 6,945
total 168,067 469,739 861,674 548,973 529,968 730,244 722,320 886,976 345,523 240,183 261,804 235,796 168,261 253,631 361,282 455,725 604,701 822,636 876,387 916,770 1,248,578 1,069,025 638,739
Average loans, million HUF 2.0 3.2 3.6 3.2 3.4 4.2 4.9 5.7 4.6 4.1 3.7 3.4 3.7 3.4 4.8 5.4 5.8 7.6 7.9 8.8 10.3 11.5 11.5
Of which:
construction 3.4 3.6 3.6 2.7 2.3 3.1 3.1 3.6 3.1 2.8 2.8 2.0 3.4 3.4 4.4 4.7 4.3 4.8 4.5 4.5 5.9 6.9 5.8
buying new flat 4.7 4.7 4.6 5.3 4.8 6.3 6.0 8.1 6.8 5.7 5.2 4.2 4.5 3.5 5.8 6.8 7.6 11.0 11.4 13.8 16.1 19.6 18.3
buying old flat 2.0 3.8 4.7 4.5 4.4 4.9 6.5 7.5 6.2 5.0 4.9 3.7 4.5 4.2 5.4 6.1 6.7 8.9 9.4 10.5 11.9 14.0 14.5
modernizing, enlarging 0.9 1.5 1.7 1.7 1.7 2.0 2.2 1.8 1.6 1.6 1.5 1.6 1.8 1.9 2.2 2.4 2.6 2.9 4.2 3.3 5.2 5.7 4.3
surmounting 6.0 3.3 1.9 3.1 6.0 6.9 9.9 6.4 8.5 6.6 3.3 0.9 7.2 – – – – – – – – – –
redemption 1.9 2.8 2.9 4.4 3.4 3.8 6.5 7.5 5.8 5.8 4.8 5.6 2.8 3.2 6.9 5.0 4.4 5.7 3.8 9.2 12.3 11.2 8.2
other 1.5 2.7 1.3 1.2 2.8 3.9 3.3 2.2 2.5 2.8 2.0 1.7 1.8 0.8 2.0 3.2 4.0 9.3 8.4 10.4 12.6 12.4 11.2
Average maturity, years in average of lending institutions 9.2 11.0 12.2 12.8 13.6 14.0 14.7 15.1 15.1 14.6 14.0 14.0 13.6 13.3 13.9 14.5 14.8 15.3 15.5 15.6 15.8 15.0 15.7
Of which:
construction 12.3 15.7 17.3 17.8 18.1 18.1 18.3 18.0 18.1 17.7 16.5 16.4 16.2 15.1 15.8 16.4 17.4 17.5 18.1 17.3 17.6 17.5 17.3
buying new flat 12.1 15.8 16.9 17.3 17.6 18.0 17.9 18.9 18.4 17.7 16.7 15.5 16.0 14.6 15.2 16.6 17.3 17.4 16.9 16.9 18.2 18.7 17.1
buying old flat 8.8 9.8 10.9 11.3 12.3 13.0 15.0 15.6 15.4 14.8 14.6 14.5 14.1 13.6 14.8 15.8 15.4 15.8 16.2 16.8 17.7 16.3 15.8
modernizing, enlarging 7.0 7.7 8.3 9.0 9.7 10.4 11.3 11.3 11.1 10.6 9.7 10.8 10.2 11.9 11.6 11.5 11.9 12.7 13.4 14.4 12.3 12.0 12.9
surmounting 3.0 2.8 2.8 4.0 4.3 2.7 2.7 2.1 4.2 3.9 8.4 7.3 2.3 – – – – – – – – – –
redemption 7.7 10.0 12.1 11.2 12.8 13.1 15.2 16.1 13.8 14.5 13.7 12.6 13.5 11.3 13.6 12.7 12.7 14.0 13.1 12.8 15.4 12.9 12.9
other 6.5 7.4 8.1 8.9 9.6 9.9 10.1 10.8 10.8 12.5 12.5 12.7 9.8 11.3 11.3 12.5 13.2 14.3 14.3 13.9 14.6 13.3 14.4
Average maturity, years in average of allocated loans 8.9 11.6 15.3 15.1 16.0 17.2 18.4 18.2 18.1 16.6 12.6 11.6 9.9 9.8 11.5 12.8 13.4 11.9 13.1 15.7 16.2 17.1 17.4
Of which:
construction 12.0 14.4 18.3 19.0 18.4 18.9 19.5 20.0 20.1 19.2 17.0 16.7 13.5 13.0 13.2 15.9 18.3 17.1 17.8 20.1 20.7 21.4 21.7
buying new flat 12.2 15.2 18.0 17.4 17.2 18.8 20.2 20.7 20.5 19.5 16.6 12.4 12.1 10.8 12.3 14.1 16.6 16.2 15.2 17.8 18.6 20.0 19.2
buying old flat 8.8 12.4 16.5 15.1 16.6 18.4 20.7 21.2 20.6 18.3 14.8 13.0 11.0 11.0 12.9 13.9 13.7 11.5 12.9 16.2 17.2 17.6 17.7
modernizing, enlarging 6.9 7.7 10.5 11.6 11.1 11.9 9.9 7.0 7.5 8.1 6.5 5.8 5.4 6.3 6.5 6.9 7.0 6.9 7.4 8.0 9.8 10.6 9.8
surmounting 0.8 2.3 3.0 4.7 0.7 1.1 2.5 4.5 3.1 1.7 5.4 5.5 1.7 – – – – – – – – – –
redemption 9.5 10.4 9.9 13.6 14.2 15.7 19.9 20.1 18.8 16.2 12.7 11.6 6.5 7.3 11.3 9.2 8.4 9.4 7.5 9.7 12.7 12.1 9.7
other 6.8 8.4 8.2 6.7 12.8 14.8 13.3 11.3 8.9 12.7 12.3 10.7 9.7 5.4 7.7 11.1 11.4 14.4 12.7 13.4 14.3 12.3 10.3

Explanation of symbols

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Non-occurrence.
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Datum not available.
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Confidential datum under disclosure protection.
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