Halkbank AD Skopje offers several products for pensioners who receive, or will transfer their pension to a transaction account in Halkbank. All you have to do is to visit a Halkbank branch with your identification card and the latest pension cheque. You can submit your application in all Halkbank branches. What's more, by making arrangements for receiving your pension income through Halkbank AD Skopje and with opening standing order on your account, you won't have to go to the branch to make your loan payments.



For this type of clients Halkbank offers attractive nominal interest rate in amount up to 600.000 mkd . The consumer loan from Halkbank to all pensioners is with terms up to 84 months and special interest rates 7,45%.

Loan Terms

Loan Terms

Rates and fees

  • Amount 600.000 МKD
  • Tenor - 84 months
  • Creditworthiness Up to 1/3 monthly income.
  • Interest rate: 7,45% variable interest rate, defined as: 5,20 p.p + referent rate for calculation legal interest rate form NBRM, which currently is 2,25% (APR 7,85%)
  • Upfront fee: 2.000 mkd once, in advance.
  • Fee for prepayment: 0%
  • Fee for control in the Loan Register: 350 MKD (the fee is paid before the disbursement of the loan and it is not paid for declined or canceled requests), 150 MKD application fee, and promissory note.
  • The age and  the term of the loan cannot exceed 75 years.

* 7,85% APR for loan amount of 600.000 MKD, interest rate variable 7,45%, tenor 84 months, application fee 150 MKD and costs for checking in MKB 350 MKD.

** The amount of the annual percentage rate of total costs (APR) is affected by the loan repayment term, the loan amount, the amount of loan costs included in the calculation of the APR and the amount of the contractual interest rate.


Frequently Asked Questions

Do I have to receive/transfer   the pension in Halkbank AD Skopje?

Yes, If you are pensioner and would like to apply for Consumer Loan you should receive or transfer your pension in Halkbank AD Skopje.   

How can I apply for a Consumer loan?   

You can apply for the loan with fulfilling the application at the nearest Halkbank branch.

What are the required documents?

Required documents are Loan application, copy of identification card and the latest pension cheque.

Do I need guarantor for Consumer loan?

The need for a guarantor depends on the amount of the loan that you are applying; the guarantor must be permanently employed in public administration, Inc. and financial institutions, as well as solvent private company that is acceptable for Halk Bank AD Skopje.

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