General Information

General Information

Halkbank AD Skopje offers housing loans secured by a life insurance policy issued by Croatia Insurance - Life for all clients. You can use the loan for buying an apartment, buying a house and buying a business space, as well as refinancing your exposures to other banks on the basis of a housing loan. The insurance policy provides protection of your property as a result of non-pecuniary similarity, security of repayment and protection of the whole family.

Halkbank AD Skopje is a licensed agent for selling life insurance policies issued by Croatia Insurance - Life.



The loan secured by life insurance offered by Halkbank AD is fixed interest rate for the first 5 years, the repayment period is up to 30 years, the low rate of total loan costs, WITHOUT cost estimates, WITHOUT costs for approval and WITHOUT costs for early liquidation from own funds, as well as major reliefs in the collateral.

Loan Terms

Loan Terms

COMFORT+ with life insurance

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period- Up to 12 months
  • Interest rate with salary : 3,00% fixed for first three years, 4,40% fixed for next two years and 5,40% p.p + variable interest rate of 6 month Euribor for the rest of the period ( if Euribor rate is negative, presentage will be counted as 0%) 5,32% annual percentage rate of total costs (APR)
  • upfront fee : 0%
  • Without cost for estimation
  • Fee for control in the Loan Register: 200 MKD ( the fee is paid  if the loan is approved).
  • Collateral-  Mortgage 1:1,25/1:1,17 Promissory note and statement of promissory note
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor



What is the amount of the policy?

The amount of the cost of the life insurance policy is subject to the tariff of Croatia Insurance - Life. The policy is paid one time before the payment of the loan.

What can a loan be used for?

The housing loan can be used to purchase a new apartment, buy a house and business premises as well as refinance existing loan in other banks

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