General

General

Buying a house is the most important investment you will make throughout your life. Halk Banka is offering the best housing loans that best fits your budget and your needs.

Benefits

Benefits

Halk Banka offers you the best solutions with highly specialized team to our customers who want to buy homes. Halk Banka offers you housing loan with fixed interest rate for the first 3 years and with tenor up to 30 years, without upfront fee,  without cost for estimation.

Rates and fees

Loan terms

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period- Up to 12 months
  • Interest rate with salary :
    • 3,50% fixed for first three years,
    • 4,80% fixed for next two years, and
    • 5,80 p.p + variable interest rate of 6 month Euribor for the rest of the period (if Euribor rate is negative, percentage will be counted as 0%).  5,37% annual percentage rate of total costs (APR)
  • Interest rate without salary:
    • 7,00 p.p + variable interest rate of 6 month Euribor (if Euribor rate is negative, percentage will be counted as 0%)
  • Upfront fee : 1%.
  • Without cost for estimation.
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 1000 MKD per year for a period equal to the loan repayment period

(The client concludes Multiyear Insurance Agreement with the insurance company. The insured amount is defined in the policy)

  • Fee for control in the Loan Register: 200 MKD (the fee is paid  if the loan is approved).
  • Collateral-  Mortgage 1:1,17, promissory note and statement of promissory note
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Participation: minimum 15%.FAQMy monthly incomes are low can I have co debtor for my loan?

* 5,37% APR for loan amount of 50.000 EUR, variable interest rate of 5,80%, tenor 360 months, application fee 150 MKD, costs for checking in MKB 350 MKD and cost for insurance policy 1000 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,  the amount of the contractual interest rate and the amount for insurance policy.

FAQ

FAQ

My monthly incomes are low can I have co debtor for my loan?

Halk Banka gives you all oportunuties for your needs and gives you the possibility to have a co debtor for your loan.

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