General

GENERAL

Eco loan is intended for individuals who want to increase the energy efficiency of their home by financing economically efficient products and projects, as well as using renewable energy sources and supplying better thermal insulation at home.

In this way, they will reduce energy consumption and associated costs, while at the same time contributing to the protection of the environment

With Halkbank Ad Skopje , you have a partner who works diligently towards greater energy efficiency and better environment.


Conditions

LOAN CONDITIONS

  • Amount:   up to 300.000 MKD
  • Maximum Term: up to 95 months
  • Grace period: up to 3 months
  • Interest rate: fix i.r  5.5 pp  (6,14 % APR),
  • Up-front fee: 1.75% from the amount
  • Loan costs : costs for checking in MKB 350,00 MKD ( the fee is paid before the payment of the loan and it is not paid for declined or canceled reguestes). 150 MKD loan application,
  • Credit worthiness: 1/2 of the total monthly incomes for employs and 1/3 of the monthly incomes for pensioners .
    Earmarked use of funds according to pro-invoice / invoice
  • Collateral: Loan agreement

* 6,14% APR for loan amount of 600.000,00 MKD, interest rate fix  5,50%, tenor  95 months, application fee  150 MKD and costs for checking in MKB 350 MKD


FAQs

FREQUENTLY ASKED QUESTIONS

FOR WHAT CAN I USE THIS PRODUCT?

If you are planning an investment in your home to increase your energy efficiency, we would reduce your electricity costs, we offer this product with excellent interest rate. Eco loan includes improvement of insulation / installation of façade, replacement of doors and windows, replacement of old boilers and heaters, installation of energy efficient lighting, installation of solar water heating systems, replacement of old air conditioning, construction of central heating systems heating.


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