Denomination |
2018. |
2019. |
2020. |
2021. |
2022. |
Q1–2 |
Q3–4 |
Q1–2 |
Q3–4 |
Q1–2 |
Q3–4 |
Q1–2 |
Q3–4 |
Q1–2 |
Q3–4 |
Stock of housing loans |
Stock at the end of year, pieces |
|
|
|
|
|
|
|
|
|
|
loans with subsidies |
179,475 |
173,093 |
157,454 |
159,417 |
159,467 |
158,239 |
161,651 |
167,460 |
170,848 |
172,424 |
loans without subsidies |
468,246 |
502,382 |
498,469 |
505,240 |
512,184 |
509,461 |
514,984 |
514,429 |
509,333 |
502,716 |
total |
647,721 |
675,475 |
655,923 |
664,657 |
671,651 |
667,700 |
676,635 |
681,889 |
680,181 |
675,140 |
Of which: |
|
|
|
|
|
|
|
|
|
|
foreign exchange loan |
646 |
495 |
435 |
361 |
340 |
311 |
294 |
269 |
271 |
225 |
at banks |
283,665 |
296,293 |
285,443 |
318,268 |
326,855 |
324,063 |
332,012 |
334,472 |
336,317 |
334,070 |
at mortgage banks |
209,073 |
215,344 |
205,490 |
209,111 |
210,602 |
212,134 |
215,653 |
221,044 |
220,106 |
218,618 |
at savings banks |
29,217 |
29,473 |
27,618 |
– |
– |
– |
– |
– |
– |
– |
at home savings banks |
125,766 |
134,365 |
137,372 |
137,278 |
134,194 |
131,503 |
128,970 |
126,373 |
123,758 |
122,452 |
Sum of stock at the end of year, million HUF |
|
|
|
|
|
|
|
|
|
|
loans with subsidies |
622,323 |
590,966 |
575,085 |
597,764 |
626,364 |
652,004 |
699,926 |
767,980 |
838,259 |
887,648 |
loans without subsidies |
2,517,303 |
2,732,940 |
2,913,167 |
3,034,131 |
3,160,993 |
3,352,452 |
3,558,989 |
3,817,400 |
3,968,670 |
4,040,534 |
total |
3,139,626 |
3,323,906 |
3,488,252 |
3,631,895 |
3,787,357 |
4,004,456 |
4,258,915 |
4,585,380 |
4,806,929 |
4,928,182 |
Of which: |
|
|
|
|
|
|
|
|
|
|
foreign exchange loan |
3,848 |
3,510 |
3,469 |
3,008 |
2,927 |
2,708 |
2,251 |
2,213 |
2,682 |
2,088 |
at banks |
1,773,445 |
1,856,869 |
1,963,644 |
2,119,771 |
2,203,483 |
2,326,684 |
2,479,570 |
2,687,874 |
2,836,002 |
2,892,875 |
at mortgage banks |
872,534 |
918,942 |
958,050 |
1,033,435 |
1,097,535 |
1,178,245 |
1,267,300 |
1,372,972 |
1,430,661 |
1,491,772 |
at savings banks |
108,839 |
112,570 |
104,597 |
– |
– |
– |
– |
– |
– |
– |
at home savings banks |
384,808 |
435,525 |
461,961 |
478,689 |
486,339 |
499,527 |
512,045 |
524,534 |
540,266 |
543,535 |
Rating of home loans, stock, % |
Performing exposure |
95.5 |
94.9 |
96.8 |
97.3 |
97.3 |
97.6 |
97.8 |
96.3 |
97.3 |
96.8 |
Non-performing exposure |
4.5 |
5.1 |
3.2 |
2.7 |
2.7 |
2.4 |
2.2 |
3.7 |
2.7 |
3.2 |
Total |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
Rating of home loans, sum, % |
Performing exposure |
94.2 |
95.2 |
96.4 |
97.2 |
97.5 |
97.9 |
98.2 |
96.6 |
97.7 |
97.4 |
Non-performing exposure |
5.8 |
4.8 |
3.6 |
2.8 |
2.5 |
2.1 |
1.8 |
3.4 |
2.3 |
2.6 |
Total |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
Restructured exposure, stock, % |
As % of performing loans |
2.1 |
1.4 |
1.9 |
0.8 |
0.8 |
0.8 |
9.4 |
7.7 |
3.4 |
2.7 |
As % of non-performing loans |
31.9 |
32.7 |
30.6 |
29.4 |
31.1 |
30.2 |
53.2 |
47.5 |
59.5 |
59.3 |
Total |
33.9 |
34.2 |
32.5 |
30.2 |
31.9 |
31.0 |
62.6 |
55.2 |
62.9 |
62.0 |
Restructured exposure, sum, % |
As % of performing loans |
2.0 |
1.7 |
1.5 |
1.2 |
1.2 |
0.9 |
9.0 |
7.4 |
4.7 |
2.9 |
As % of non-performing loans |
33.9 |
39.1 |
36.6 |
33.7 |
32.8 |
33.1 |
52.0 |
46.1 |
64.4 |
67.8 |
Total |
35.9 |
40.8 |
38.1 |
34.9 |
33.9 |
34.0 |
61.0 |
53.5 |
69.1 |
70.7 |
Approved housing loans |
Approved housing loans in the period, pieces |
|
|
|
|
|
|
|
|
|
|
loans with subsidies |
5,493 |
3,581 |
4,047 |
8,641 |
8,519 |
9,407 |
14,841 |
16,563 |
17,401 |
12,984 |
loans without subsidies |
47,664 |
51,266 |
46,311 |
37,652 |
33,833 |
38,389 |
37,584 |
40,896 |
37,676 |
25,539 |
total |
53,157 |
54,847 |
50,358 |
46,293 |
42,352 |
47,796 |
52,425 |
57,459 |
55,077 |
38,523 |
Of which: |
|
|
|
|
|
|
|
|
|
|
foreign exchange loan |
… |
… |
– |
– |
– |
– |
– |
– |
– |
– |
at banks |
20,344 |
19,902 |
20,519 |
18,668 |
18,368 |
24,102 |
24,594 |
28,347 |
26,193 |
17,399 |
at mortgage banks |
12,730 |
11,548 |
11,526 |
13,516 |
12,483 |
12,149 |
16,441 |
17,556 |
16,844 |
10,270 |
at savings banks |
1,613 |
1,721 |
1,258 |
– |
– |
– |
– |
– |
– |
– |
at home savings banks |
18,470 |
21,676 |
17,055 |
14,109 |
11,501 |
11,545 |
11,390 |
11,556 |
12,040 |
10,854 |
Sum of approved housing loans in the period, million HUF |
|
|
|
|
|
|
|
|
|
|
loans with subsidies |
38,841 |
28,112 |
41,437 |
86,965 |
77,761 |
71,753 |
109,546 |
136,984 |
171,404 |
114,968 |
loans without subsidies |
364,951 |
421,035 |
418,172 |
360,139 |
357,125 |
411,069 |
491,544 |
570,001 |
584,494 |
316,027 |
total |
403,792 |
449,147 |
459,609 |
447,104 |
434,886 |
482,822 |
601,090 |
706,985 |
755,898 |
430,995 |
Of which: |
|
|
|
|
|
|
|
|
|
|
foreign exchange loan |
… |
… |
– |
– |
– |
– |
– |
– |
– |
– |
at banks |
208,262 |
233,214 |
254,994 |
234,969 |
243,882 |
285,298 |
353,308 |
433,693 |
425,423 |
275,572 |
at mortgage banks |
115,755 |
115,702 |
128,042 |
156,792 |
143,825 |
145,568 |
191,241 |
214,444 |
265,439 |
112,197 |
at savings banks |
10,783 |
12,538 |
10,396 |
– |
– |
– |
– |
– |
– |
– |
at home savings banks |
68,992 |
87,693 |
66,177 |
55,343 |
47,179 |
51,956 |
56,541 |
58,848 |
65,036 |
43,226 |
Disbursed housing loans |
Disbursed housing loans, pieces |
|
|
|
|
|
|
|
|
|
|
construction |
6,590 |
8,043 |
9,254 |
9,995 |
8,195 |
9,178 |
5,949 |
7,645 |
8,987 |
9,693 |
buying new flat |
4,316 |
3,228 |
4,894 |
4,459 |
4,000 |
4,058 |
4,057 |
4,363 |
4,404 |
4,281 |
buying old flat |
31,996 |
35,193 |
32,608 |
31,206 |
26,883 |
33,803 |
35,944 |
36,137 |
26,724 |
18,309 |
modernizing, enlarging |
6,925 |
8,086 |
6,411 |
5,461 |
6,707 |
6,185 |
10,890 |
11,816 |
7,884 |
9,454 |
redemption |
1,654 |
1,643 |
3,885 |
1,626 |
1,922 |
1,217 |
1,477 |
2,020 |
1,582 |
925 |
other |
629 |
542 |
730 |
810 |
894 |
980 |
436 |
613 |
407 |
407 |
total |
52,110 |
56,735 |
57,782 |
53,557 |
48,601 |
55,421 |
58,753 |
62,594 |
49,988 |
43,069 |
Sum of disbursed housing loans, million HUF |
|
|
|
|
|
|
|
|
|
|
construction |
31,369 |
38,754 |
37,717 |
49,543 |
39,710 |
39,029 |
30,304 |
50,092 |
64,325 |
65,291 |
buying new flat |
47,682 |
35,122 |
46,008 |
60,376 |
53,013 |
58,402 |
62,878 |
72,731 |
80,322 |
89,952 |
buying old flat |
276,784 |
319,538 |
295,048 |
304,435 |
281,325 |
354,742 |
395,033 |
462,745 |
375,214 |
257,240 |
modernizing, enlarging |
19,449 |
24,223 |
30,071 |
19,447 |
20,030 |
22,097 |
57,747 |
60,973 |
46,408 |
52,134 |
redemption |
9,095 |
9,722 |
10,882 |
9,905 |
17,392 |
11,615 |
17,076 |
25,807 |
19,468 |
8,592 |
other |
5,643 |
5,255 |
6,016 |
6,939 |
10,263 |
9,152 |
5,434 |
7,758 |
5,769 |
4,310 |
total |
390,022 |
432,614 |
425,742 |
450,645 |
421,733 |
495,037 |
568,472 |
680,106 |
591,506 |
477,519 |
.