For members of SONK

Take advantage of attractive loan opportunities for your needs and meet Halk Banka consumer loan advantages for members of SONK union.

With this product, you can take advantage of opportunities such as consulting services before taking out a loan. Halk Banka for the members od SONK union offers attractive fixed interest rate for the first 2 years from 4.9% , posibility for increased  loan amount of 1.200.000 mkd if needed through the payment period of 120 months, availability of a new loan at the end of repayment the previous loan.



Halk Banka offers you attractive fixed interest rate during the first 2 years  which will be suitable for you.

Loan terms

Loan terms

  • Amount – 1.200.000 MKD
  • Tenor - 120 months
  • Creditworthiness - according to monthly income
  • Interest rate  4,9 % fixed interest rate for the first 2 years,  for the rest of the period variable 6,50 i.r, defined as:4,25 p.p.+  referent interest rate for calculation legal interest rate form NBRM, which currently is 2,25 %  (SVT 6,24%)
  • Upfront fee –NO upfront fee
  • Fee for prepayment: 0%
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 600 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 before the payment of the loan and it is not paid for declined or canceled reguestes).

* 6,24 % APR for loan amount of 600.000 MKD, interest rate  variable  4,9 % fixed interest rate for the first 2 years and variable for the rest of the period 6.5 %, tenor 95 months, application fee  150 MKD, costs for checking in MKB 200 MKD and cost for insurance policy 600 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 of the insurance policy.



May I use this loan for refinancing?

Yes one of the purposes for this loan is refinancing all existing loans in other banks.

May I use for closing my exposure of credit cards?

Yes one of the purposes for this loan is refinancing all existing credit cards in other banks.

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