General Information

General Information

Halkbank AD Skopje offers for the first time a loan with life insurance for natural persons who are in regular employment and pensioners. You can use the loan as a long-term non-purpose loan, so you can use this type of loan to liquidate all credit exposure to another person in your family. The insurance policy provides protection of your property as a result of a non-pecuniary case, security of repayment and protection of the whole family.



The loan offered by Halkbank AD Skopje is at a favorable interest rate, low rate of total loan costs, as well as major collateral relief.

Loan Terms

Terms of credit

  • Amount: up to 200.000,00 EUR
  • Tenor: up to 240 months 
  • Interest rate: Variable interest rate: 6 p.p + 6 month Euribor, but not less than 6% ( APR 6.31%)
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Upfront fee: 0,50% of the amount
  • Loan Costs: 350,00 MKD ( the fee is paid before the payment of the loan and it is not paid for declined or canceled reguestes),150,00 mkd loan application, the amount of the cost of the life insurance policy is subject to the tariff of the insurance company
  • Fee for prepayment: 3 % with loan from another bank, 0 % from own funds.
  • Collateral -  Mortgages on real estate, bill of exchange and bill of exchange statement.

* 6,31 % APR for loan amount of 50,000 Eur , interest rate variable  6,00 %, tenor 95 months, application fee  150 MKD and costs for checking in MKB 350 MKD

** the life insurance policy is not calculated in APR

*** The tenor of the loan , the amount of the loan, the amount of the loan costs included in the calculation of the APR and the amount of the contractual interest rate affect the amount of the annual percentage rate of total costs (APR).



Is there a possibility for a co-applicant for a mortgage loan?

There is a possibility to include a co-applicant who should be in regular employment in JA, AD and financial institutions, as well as a good creditworthy private company that is acceptable for Halk Bank AD Skopje.


What is the amount of the policy?

The amount of the cost of the life insurance policy is subject to the tariff of the insurance company. The policy is paid one time before the payment of the loan

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