With salary in Halkbank;

The mortgage loan is intended for all creditworthy individuals with full-time employment in public administration or companies acceptable for the Bank, with salary.



Halk Banka offers you the best solutions with highly specialized team to our customers. Halk Banka offers fixed interest rate for the first year and with tenor up to 240 months.

Loan terms

Terms of credit

  • Amount: up to 150.000,00 EUR
  • Tenor: up to 240 months 
  • Interest rate with salary: Variable interest rate: 6,50 p.p +6 month Euribor, not less than 6.5% (6,98 % APR)
  • Interest rate without salary: Variable interest rate: 7,60 p.p +6 month Euribor, not less than 7,60%  (8,46% 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
  • Loan Cost: 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.

* 6,98 % APR for loan amount of 50,000 EUR , interest rate variable 6,50%, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 MKD

** 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).


How can I apply for mortgage and what are the required documents?

You can apply for a loan at the nearest Halk bank branch with the documents.

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