This information is not exhaustive and does not constitute a binding offer under the Act V of 2013 on the Civil Code. For more details, please visit our website (www.mbhbank.hu) or call our contact center. The development of product related content is under construction.

MBH Bank Nyrt., acting as a tied agent in the financial intermediation market, operates on behalf of Fundamenta-Lakáskassza Zrt. and receives remuneration in the event of the conclusion of a financial services contract. MBH Bank Nyrt. (company registration number: 10011922) is the tied agent of Fundamenta-Lakáskassza Zrt. (Hungary, 1123 Budapest, Alkotás utca 55-61.).

Fundamenta home savings account

The home savings account is a home savings scheme that can bring us closer to realizing your home dreams in any situation.

You can start saving even with a small amount

It can be flexibly adjusted if your life situation changes

You can sign multiple contracts at once

What can the Home Savings Account help you achieve?

Specific goals

Home refurbishment
Modernisation, green investments
Home construction
Purchase of property or land
Prepayment of a home loan

Depending on your life situation

Create your own home, moving out of your parents' home
Expanding family, or simply needing a larger home
Purchasing your first home together
Laying the foundation for your child's future
Saving for unexpected situations

Why choose a Fundamenta Home Account?

If saving for own funds is important with long-term savings!

Future-Building Home Account

What is the secret to success? A well-timed decision!

Start your Future-Building Home Account now with up to a 40% bonus:

30% interest bonus: in addition to the deposit interest on monthly savings, depending on the term, 10%, 20% or even 30% interest bonus will be credited to your savings deposited in the given year with no account opening fee in combination with the Easy Start or First Step promotions.
+10% Extra Interest Bonus from 25 July 2025: we will credit an additional 10% Extra Interest Bonus on top of the 30% interest bonus if you choose a 125-month savings period:

The best time to start is NOW!

Ha az önerő gyűjtés a fontos hosszútávú megtakarítással!

If the bonus is important to you!

Growing Home Account with Progressive Bonus

Flexible, customizable account structure, where the savings amount can range from HUF 10,000 to HUF 100,000 per month, and the term is also freely selectable. The bonuses on your savings increase depending on the term.

You can obtain up to a 40% Progressive Bonus in the last year of your savings.

Who is it recommended for?

To you, if self-care is important to you and you are looking for a way to save before you start realising your home dreams.

If you also need a loan!

Home Planner Savings Account

Would you like to buy or renovate a home in the future? Are you concerned about rising mortgage rates? Secure your future now!

Who is it recommended for?

We recommend the Home Planner Savings Account to those who anticipate needing a loan to achieve their home ownership goals, either immediately or within a few years.

Home savings promotions

Easy Start and First Step promotions

Easy Start or First Step promotion, supplemented with up to 1 Extra Interest Bonus promotion, provided that it complies with the promotional terms and conditions set out in the ANNOUNCEMENT entitled “Announcement on the promotions announced by Fundamenta-Lakáskassza Zrt. and their terms and conditions.”

You can now choose from various promotions to start your Future-Building Home Account.

We recommend the First Step promotion if convenience is important to you. After signing the contract, you must deposit the savings amount due for the first year in a lump sum, and you do not need to do anything else to take advantage of the promotion.
The Easy Start promotion is for you if you want to begin to realise your home dreams by paying in just one monthly savings amount, provided you have a payment account with MBH Bank. Extra Interest Bonus Promotion: this can be used in addition to the above two promotions if you choose the 125-month savings period and meet the conditions set out in the ANNOUNCEMENT entitled "Announcement on the promotions announced by Fundamenta-Lakáskassza Zrt. and their terms and conditions.”

Easy Start and First Step promotion period: from 21 March 2025 to 1 July 2026.

Extra Interest Bonus promotion period: from 25 July 2025 until 13 July 2026.

Fundamenta Own Contribution Bonus Promotion

By opening a Home Planner Savings Account, in addition to the 5% Interest Bonus, Fundamenta will give you an additional bonus of between 10% and 30%, depending on the option you choose, on your payments in each savings year, if the minimum agreed monthly savings amount is HUF 30,000, or HUF 40,000 for theFuture-Building Home account 58 options, as follows:

Future-Building Home account 58 month savings period: +10%

Future-Building Home account 100 month savings period: +20%

Future-Building Home account 125 month savings period: +25%

Future-Building Home account 159 month savings period: +30%

Promotion period: From 23 October 2024 until 1 July 2026.

Fundamenta EXTRA Credit Promotion

If you open a Home Account during the EXTRA Credit Promotion period, Fundamenta will credit you 1.25% or 1.75% of the contractual amount, depending on the amount of your agreed monthly savings, after the savings period expires and upon disbursement, provided that the promotional conditions are met.

Promotion period: From 23 October 2024 until 1 July 2026.

If your child's future is your goal!

The Kids promotion is available for both the Growing and Home Planner Savings Account products, which gives an additional fixed 5% bonus on top of the product discount associated with the selected option. The promotion can also be applied if a minor close relative is designated as the beneficiary.

Promotion period: From 22 May 2024 until withdrawal

This information does not constitute an official offer by Fundamenta-Lakáskassza Zrt. and is intended solely for informational purposes. This information is not exhaustive; the detailed terms and conditions of the product are set out in the Business Regulations and in the announcement on the products offered by Fundamenta-Lakáskassza Zrt. and their terms and conditions.

Fundamenta-Lakáskassza Zrt. calculates the AER rate in accordance with the provisions of Government Decree 82/2010 (25 March) on the calculation and disclosure of deposit interest and securities yields (hereinafter: AER Decree), assuming regular deposits of HUF 20,000 per month or HUF 100,000 per month. The change in the savings period may also mean a change in the AER amount, which may decrease.

The APR was determined taking into account the current conditions and applicable laws, and may change if the conditions change. The APR does not include the cost of insuring the property to be mortgaged. The loan is secured by a mortgage registered on the property, and a property insurance contract must be concluded for the property.

The detailed terms and conditions of the promotions available are set out in the announcement by Fundamenta-Lakáskassza Zrt. on the promotions and their terms and conditions.

MBH Bank Nyrt. acts as a tied financial intermediary on behalf of Fundamenta-Lakáskassza Zrt., for which it receives remuneration upon the conclusion of an agreement for financial services. MBH Bank Nyrt. (registration number: 10011922) is a tied agent of Fundamenta-Lakáskassza Zrt. (Hungary 1123 Budapest, Alkotás utca 55-61.).

¹ In the case of a 125-month Future Building Savings Account, if it is terminated by disbursement.

Fundamenta-Lakáskassza Zrt. is a member institution of the National Deposit Insurance Fund (OBA), therefore the savings deposited with the Company – exclusively the housing savings contributions and their contractual interest – are insured by OBA. Further details and conditions are available at www.oba.hu .

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