Student Loan

STUDENT LOAN – A Solid Financial Foundation for
Your Studies

Do you need financial help with your day-to-day living expenses? Then you need the Student Loan 1, which you can use as you wish.

If you’re looking to finance your living expenses, the Student Loan 2 is the perfect solution for you.

Choose the most favorable financial assistance for your studies and make your plans a reality with a student loan.

What you need to know about Student Loan 1:

• You can spend it freely on anything.
• You can borrow a monthly amount ranging from 15,000 HUF to 150,000 HUF.
• You can receive up to 750,000 Ft per academic semester.
• You can receive the requested amount monthly or in a single lump sum each semester.
• You can apply for it at any time during your studies.
• The interest rate is 8.18%, with no hidden fees.

Click here for more details!

What You Need to Know About Diákhitel2:

• You can use it to finance your educational expenses.
• You can apply for it at any time during your studies.
• It’s interest-free, with no hidden fees.
• You can borrow up to an amount equal to the tuition fee for your program.
• We transfer the Student Loan 2 directly to your educational institution, so you don’t have to do anything else after applying.

Click here for more details!

APPLY FOR THE STUDENT LOAN ONLINE IN MINUTES VIA NEPTUN OR ON THE WWW.DIAKHITELDIREKT.HU WEBSITE

STUDENT LOAN ACCOUNT

Lower costs, more opportunities! Apply for a student loan with discounted account maintenance.
Starting in July 2023, to help reduce your costs, a discounted account maintenance service called the Student Loan Account will be available, provided to you by our financial partners: Erste Bank, Gránit Bank, MBH Bank, and OTP Bank. Starting at that time, if you sign a new, unrestricted-use Diákhitel1 contract, you’ll receive the requested amount into the discounted Diákhitel Account held at the bank of your choice. If you choose our Student Loan 2 or Training Loan product, or if you are already a customer and your student loan is still in the disbursement phase, you also have the option to switch to the discounted account package.

For detailed information, click HERE!

STUDENT LOAN ADMINISTRATION – Always keep your information up to date!
Your contact information may change several times during your college years, so be sure to keep it current so you receive all information on time.

If you already have a student loan and would like to track the disbursement process or check your balance, or perhaps adjust the loan amount, then:

• Use the Diákhitel Direkt portal.
• Download the mobile app, which lets you easily access your messages, check your current balance and any outstanding balances, and view your transfers anytime, anywhere.

STUDENT LOAN REPAYMENT

When do you start repaying?

You must begin making payments starting in the fourth month following the termination of your student status. An exception applies if you turn 45 before then, in which case you must begin repayment in the fourth month following your 45th birthday—even if you are still a student at that time.

How much will your monthly payment be?

Student Loan 1: Your monthly payment will be equal to the minimum wage in effect on October 31 of the previous year during the year your student status ends and the following year; starting in the third year, it will be equal to 1/12 of 6% of your gross annual income from two years prior.

Student Loan 2: The repayment rate is determined on a sliding scale based on the outstanding balance at the start of repayment.

Your monthly repayment installment for the first two years is equal to the minimum wage in effect the previous year; thereafter, it is equal to the portion of 1/12 of your average income from the second year preceding the current year that falls within the applicable bracket:

• Debt under 1,000,000 HUF – 4%
• Debt between 1,000,001 and 2,000,000 HUF – 5%
• Debt of 2,000,001–3,000,000 Ft – 7%
• Debt between 3,000,001 and 4,000,000 HUF – 9%
• Debt over 4,000,001 HUF – 11%

Will the amount change?

Due to changes in the minimum wage and income, the repayment installment is determined annually. We will send you a notice in December regarding the repayment installment for the following year.

How can you make payments?

You can make monthly payments or prepayments via bank transfer or online credit card payment.

Diákhitel1 account number: 10032000-01800126
Diákhitel2 account number: 10032000-01800157

What is the repayment deadline?

Repayment installments must be received by the 12th of each month.

When can I make an early payment?

You can make an early repayment at any time, free of charge. Early repayments can be either recurring or one-time. Use the usual account number (see above) and don’t forget to include the contract number in the “remarks” field.

Family Support Discount

If you have a child or adopt a child after taking out the loan, we’ll make it easier for you to repay your student loan with discounts!

Effective January 1, 2023, child support discounts have been further expanded for those who have children before turning 30.

Click HERE for more details!

Interest Rate Announcement

You can download our current interest rate announcement here. 

For more information, visit our subpage for graduating students!

STUDENT LOAN
CUSTOMER SERVICE web: https://diakhitel.hu/elerhetoseg/
email: info@diakhitel.hu
phone: +361 999 9944  

Our live phone customer service is available on business days from 8:00 a.m. to 4:00 p.m.

STUDENT LOAN DIRECT MOBILE APP
Download the app to your iOS or Android device!