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This is how banks defend themselves from the epidemic
For the financial institutions surveyed, precautions for customers have been in effect since the first wave of the coronavirus, regardless of the evolution of the number of cases. The rules apply mainly to visits to the account; In most cases, the use of masks is mandatory and it is recommended to disinfect your hands when entering the account. In addition, care must be taken to ensure that a protection distance of one and a half meters is maintained in the area of the drawers.
The exception to the above is K&H Bank: In your case, the use of a mask is not mandatory, but in the case of personal administration, it is recommended to make an appointment in advance, such as applying for a mortgage loan or applying for housing subsidies for housing, for which personal presence is essential .
Banks provide workers with the tools they need to wear masks and regular hand disinfection, and most lending institutions have plastic plexiglass installed in their branches.
After the spring branch closures, the banks reported that the branches had returned to their normal working hours, allowing them to welcome customers without interruption. However, in areas (central workers) where it is possible to work from home, this solution is still popular: OTP Banka part of the staff alternates in the office, a Granite benchand 60 to 65 percent of workers still work from home.
According to the comments received on the increase in the number of cases, the UniCredit BankIf necessary, the number of employees working on the account can be changed, CIB Bank and anticipated a possible change in the opening hours of the accounts. HE Savings bank strives to keep branch service uninterrupted even during the second wave, however customers are asked to give preference to online management whenever possible. In addition to the Internet bank, the VideoBank service was launched for this purpose, specifically in view of the coronavirus epidemic.
Are online personal loans available during the second wave?
Due to the epidemic, the importance of online administration has increased, which is why financial institutions have also been asked if the possibilities of requesting a personal loan online have changed as a result of the epidemic. According to comments, most banks are working to provide 100 percent personal loans that can be taken online, but currently most lenders do not have the option for all customers yet.
As the only one CIB Bank indicated that both new and existing clients will receive a 100 percent personal loan application online. Existing clients can apply for a personal loan in as little as seven minutes through the CIB Bank mobile app, and new clients can apply through the bank’s website in as little as twenty minutes.
the MKB benchOnline personal loans are only available to their own clients on pre-defined terms, but they are still working to make this option available to everyone soon. The same is true OTP Bankra and the First bankIn the case of the Erste Now Personal Loan, bank customers can conclude the contract electronically through Erste NetBank, but new customers can only enter into a contract at the bank branch. Online hiring of a K&H Bank A fully online personal loan is also available to customers and can be requested at K&H e-banking and mobile banking.
the UniCredit BankWe are currently working on the possibility of requesting a personal loan online. At the moment, it is possible to start the process online, but it is only possible to sign a contract on the accounts, with personal presence. Takarékbank also reported that they were working on introducing an online personal loan.
A Granite benchClients do not apply for a personal loan, but clients can apply for a waiting baby loan online.
A Bank of BudapestOnline personal loans are not currently available, but branch management can be skipped if the preliminary calculation is done online and the detailed needs assessment is done over the phone. Therefore, the process can be shortened for those who are customers of the bank with a retail payment account or who have a loan product with the bank, as well as a retail payment account with another Hungarian financial institution to which Budapest Bank has disbursed. previously a personal loan.
The coronavirus has not yet brought the golden age of online loan application
According to the comments of the banks, there is still not a big change in the market, as 100% of online applications are still available in those credit institutions where this has been possible until now. On the other hand, as a consequence of the epidemic, online solutions have come to the fore in several banks, so Bank360.hu experts hope that in a few months several credit institutions will appear on the market with the possibility of requesting a loan personal online.
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