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

Explanation of symbols

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Non-occurrence.
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Confidential datum under disclosure protection.
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