Household Lending Activity of Credit Institutions in Q3

In the third quarter of 2025, the amount of loans granted to Hungarian households exceeded the amount of repayments. The amount of loans to households amounted to HUF 12,324 billion in gross book value, indicating a rise of 3.0 per cent from the previous quarter. The share of the stock of loans more than 90 days overdue remained broadly unchanged compared to the previous quarter, the National Bank of Hungary (MNB) says on its website.

In 2025 Q3, household loan disbursements decreased while repayments increased compared to the previous quarter. The total amount of disbursements decreased by 4.5%, or HUF 44.6 billion, in the quarter, while the amount of repayments increased by 2.1%, or HUF 12.5 billion, quarter on quarter. Forint personal loans represent the largest amount in the case of both disbursements and repayments.

At the end of September 2025, the ratio of household loans, more than 90 days overdue, to the total stock of lending was 1.1%, remaining broadly unchanged from the previous quarter. Within forint lending, vehicle loans and personal loans had the highest proportion of loans more than 90 days overdue: 2.1% and 2.9%, respectively, of vehicle loans and personal loans were more than 90 days overdue. The stock of both vehicle loans and personal loans more than 90 days overdue declined by 0.1 percentage points compared to the previous quarter.

The share of restructured loans continued to decline, falling from 1.5% to 1.4% in the quarter. Within restructured loans, the stock of loans more than 90 days overdue remained broadly unchanged from the previous quarter, standing at 14.4%.

The stock of prenatal baby support loans, included within the stock of hire purchase and other consumer loans, amounted to HUF 2,366 billion at the end of September 2025, an increase of 1.0% from the previous quarter. 0.5% of prenatal baby support loans was more than 90 days overdue, while the share of restructured prenatal baby support loans was 0.2%, indicating practically no change compared to the previous quarter.

The stock of workers' loans, included within the stock of hire purchase and other consumer loans, amounted to HUF 135 billion at the end of September 2025. 0.6% of workers’ loans was more than 90 days overdue, indicating an increase of 0.5% compared to the previous quarter.

The provision coverage ratio to the total stock of household loans amounted to 2.2%, a decrease of 0.1 percentage point from the previous quarter. Provisions coverage ratio for household loans, more than 90 days overdue, decreased from 60.8% at the end of the previous quarter to 60.7% in 2025 Q3.