General information

 General information


Halkbank AD Skopje for the first time offers a consumer loan with life insurance for all clients. The insurance policy provides protection of your property in case of accident, security of repayment and protection of the whole family.



For this type of clients, Halkbank AD Skopje offers a fixed interest rate for the first 2 years with a repayment period of up to 120 months, WITHOUT costs for approval and WITHOUT costs for early liquidation of the loan. This type of loan can be used for your current needs, and also for refinancing existing loans from other banks.

Terms of use

Terms of credit

  • Amount: up to 1.200.000,00 MKD
  • Tenor: up to 120 months
  • Creditworthiness: according to monthly income
  • Interest rate  5,90% fixed for the first two year, the rest of the period  7,75 % variable  i.r. defined as:  5,5 p.p  +referent  rate for calculation legal interest rate form NBRM, which currently is 2,25%  ( 7,24% APR). * the life insurance policy is not calculated in APR
  • Upfront fee: 0%
  • Fee for prepayment: 0%
  • Fee for control in the Loan Register: 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

* 7,24% APR for loan amount of 600.000,00 MKD, interest rate variable  7,75%, tenor  120 months, application fee  150 MKD and costs for checking in MKB 350 MKD



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.

What age can I apply for a life insurance loan?

Access age for loan application with life insurance is not older than 65 years.

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