EUR loan with 100% deposit


Halkbank offers the possibility of providing cash loans with 100% deposit and with fast and simple approval procedures. You only need ID card with the loan request.


Loans are approved:

  • With fixed monthly instalment in dinars
  • With no annual loan administration fee
  • With no loan disbursement fee

Terms and conditions


In the amount of deposit placed

Loan currency

Dinar loan indexed in EUR

Indexing criterion

EUR –NBS middle exchange rate

Repayment term

Equal to the term period, not longer than 83 months.


100% of the loan amount

Nominal interest rate (fixed p.a.)


Front-end fee

0,50% - 0.70% in a lump sum

Repayment method

In equal monthly annuities


Deposit 100% of the loan amount

Promissory note of the borrower

Representative example


5.000,00 EUR

Repayment term

60 months


978 - EUR

Nominal interest rate (fixed p.a.)


Front-end fee

4.310,09 RSD (35.00 EUR at the NBS middle exchange rate as  on 18.05.2017.)

Monthly annuity

89,75 EUR (repayment is in dinars at the NBS middle exchange rate as on the date of annuity payment)


Deposit 100,00% of the loan amount, promissory note

Other costs 

246,00 RSD – Credit Bureau

50,00 RSD – promissory note

Total amount for repayment

5.390,85 EUR

Effective interest rate

Effective interest rate cannot be presented because of a relatively large deposit amount which serves as collateral for the loan

Calculated as on 18.05.2017.

Credit calculator

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Loan parameters:

* All fields are mandatory

* Maximum repayment period is 360 months

Description Amount
Efektivna kamatna stopa:
Deposit refund:
Annuity (instalment):
No.of annuity (instalment):
Interest amount:
Total payment:


Is it a condition that the applicant must be permanently employed?

Permanent employment is not a condition for applying for this loan.