Terms of credit
- Amount: up to 150.000,00 EUR
- Tenor: up to 240 months
- Interest rate with salary:
- 5,50 p.p +6 month Euribor for 1 year
- 6,00 p.p +6 month Euribor for the rest of the period (6,18% APR)
- Interest rate without salary:
- 6,50 p.p +6 month Euribor for 1 year
- 7,00 p.p +6 month Euribor for the rest of the period (7,39% APR)
- Creditworthiness - Up to 1/2 of salary income with the possibility of co-debtor
- Upfront fee: 1% of the amount for loan with salary in Halkbank, 2% of the amount for loan without salary in Halkbank.
- Promotional: 0,5% of the amount for loan with salary in Halkbank, 1% of the amount for loan without salary in Halkbank.
- Loan Cost: 350,00 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled requests),150,00 mkd loan application, the amount of the cost of the life insurance policy is subject to the tariff of Croatia Insurance – Life.
- Fee for prepayment: 3 % with loan from another bank, 0% from own funds.
- Collateral - Mortgages on real estate 1;1,3, bill of exchange and bill of exchange statement.
* 6,18 % APR for loan amount of 50,000 EUR , with salary in Halkbank, variable interest rate of 5,50p.p + 6 month Euribor for 1 year and 6,00 p.p + 6 month Euribor for the rest of the period, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 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 and the amount of the contractual interest rate.