Instalments for Everyone

Additional information on conditions and documents

Loan applications to Cofidis Bank may be submitted by individuals who meet the following requirements:

• Natural person.
• At least 18 years old.
• Permanent residence in Hungary.
• Verified, regular income.
• Direct accessibility by landline or subscription mobile phone at the place of residence.
• For employees, direct phone accessibility at their workplace or place of work.
• Active employment status, not under probation period or notice of termination.

Essential documents required to verify the data for loan assessment:

1. Documents proving identity and address

• A valid permanent identity card issued by Hungarian authorities, or a valid identity card along with a residence card, a new card-format driver’s licence along with a residence card, or
• A valid passport along with a residence card.

2. Documents proving income

• If you are an employee – a work certificate issued within the last 30 days confirming employment for at least 3 months with the same employer, with either an indefinite contract or a fixed-term contract at least equal to the loan term (using the Hungarian Cofidis Bank Zrt. form, or another employer certificate containing the data required by the bank’s form), or
• The last 3 bank statements of the account where your income from the same employer (minimum 3 months employment) is clearly identifiable by type and amount, issued in the name of the client and/or co-borrower, and matching the address(es) provided in the loan application. For pensioners, the last monthly bank statement is required.
• If you are a sole proprietor or business owner – For entrepreneurs, company owners, non-employee managers, sole proprietors, or employees of family businesses, a tax authority-issued income certificate is required.
• If you are a farmer – income verification from the tax authority is required.
• If you are a pensioner/strong>– your most recent pension slip or a bank statement (no older than two months) clearly showing your pension payments (both the legal basis and amount), issued in your name or jointly with your spouse; alternatively, a pension registry or annual pension summary for the current year.
• For disability or rehabilitation benefits, submit the official decision confirming these benefits for at least the requested loan term.

"In addition to the above documents, the Bank may request further documentation. For other supplementary income sources, the Bank will assess creditworthiness on a case-by-case basis.

In the case of a loan application without an employer certificate, company owners, executives not employed under a standard employment contract, sole proprietors, and employees of family businesses are not eligible to apply for a loan.

Agent information

• a) Company name: ALZA.HU Kft.
  Registered office: 1134 Budapest, Róbert Károly körút 54-58.
  Company registration number: 01-09-286873
  Mailing address: 1134 Budapest, Róbert Károly körút 54-58.
  Supervisory authority:Magyar Nemzeti Bank (Central mailing address: 1850 Budapest, Phone: (36-1) 428-2600, Fax: (36-1) 429-8000, E-mail: [email protected])
• b) Our company is listed in the public register of intermediaries maintained by the Magyar Nemzeti Bank. The register can be accessed using the contact details above or via the website www.mnb.hu.
• c) As a dependent intermediary, our company acts on behalf of Magyar Cofidis Bank Zrt. and represents its interests.
• d) Our company receives a commission for mediating the conclusion of financial service contracts.
• e) Our company does not provide personalised recommendations (credit advice) for mortgage loans or financial leasing services related to real estate provided to consumers — these services are separate from credit and loan provision or financial leasing and financial service mediation.
• f) Magyar Cofidis Bank Zrt. ensures that customers can submit complaints regarding our company's conduct, activities, or omissions either verbally (in person or by phone) or in writing (in person, through a representative, by post, fax, or e-mail).
  
  Verbal complaints in person at customer service locations during their business hours. Verbal complaints by phone on weekdays from 8:30 to 17:00, with extended hours until 8:00 PM on one weekday (Monday). Written complaints can be submitted electronically at any time via (https://www.cofidisbank.hu/kapcsolat).
  
  Magyar Cofidis Bank Zrt. will immediately investigate and, if necessary, remedy any verbal complaint. If the customer disagrees with the way the complaint is handled, or if it is not possible to investigate the complaint immediately, Magyar Cofidis Bank Zrt. will record the complaint and, if applicable, its position regarding the matter in a written report. A copy of this report will be handed to the customer in the case of an in-person verbal complaint or sent to the customer if the complaint was made by phone. In all other cases, the Bank will proceed in accordance with the rules applicable to written complaints..
  
  Magyar Cofidis Bank Zrt. will send its reasoned position regarding any written complaint to the customer within the timeframe prescribed by law, following the receipt of the complaint..
  
  If a complaint concerning the services or procedures of Magyar Cofidis Bank Zrt. or our company is rejected, or if the customer does not agree with how the complaint was handled, they may turn to the following authorities:
  
  a. In the event of a legal dispute concerning the conclusion, validity, legal effects, or termination of the contract, as well as a breach of contract and its legal consequences, the customer may turn to the courts in accordance with the rules of the Code of Civil Procedure, or initiate proceedings with the Financial Arbitration Board. Financial Arbitration Board – Current contact details: Financial Arbitration Board H-1525 Budapest Pf.:172., phone: +36- 80-203-776, www.penzugyibekeltetotestulet.hu.
  
  b. If the customer believes that the company has violated consumer protection provisions referred to in the Act on the Hungarian National Bank, they may initiate a consumer protection procedure at the Hungarian National Bank. Mailing address: Magyar Nemzeti Bank 1850 Budapest, phone: 06-1-428- 2600, e-mail: [email protected].
• g) Our company charges fees for the following additional services (which do not qualify as financial service intermediation):• Delivery services • Extended warranty coverage