Loans under Special conditions


Halkbank offers you energy efficiency loans intended to all of you who take care of your expenses and at the same time want to improve the quality of your life. These loans are used for the purchase of equipment and execution of works in order to improve energy efficiency.

These loans can be used for the following:

  • revitalisation of heating network
  • insulation of residential premises
  • unapređenje i zamenu prozorskih sistema
  • improvement and replacement of windows
  • purchase of heating pumps etc.

In cooperation with its partners, Halkbank approves special conditions for energy efficiency loans. The following companies offer you their services:


Loans are disbursed:

  • On maturity of up to 83 months
  • With fixed interest rate
  • With no annual loan administration fee
  • With no loan disbursement fee 

Terms and conditions

Loan amount

Depending on the borrower's creditworthiness

Loan currency

Dinar loan indexed in EUR

Indexing criterion

EUR- at NBS middle exchange rate


Up to 83 months

Down payment

Minimum 30,00% of pro forma invoice / invoice amount

Nominal interest rate (fixed p.a.)

4,00% - 6,50% p.a.

Front-end fee

1,00% in a lump sum

Repayment method

In equal monthly annuities


Depending on credit indebtedness

Representative example

Pro forma invoice amount

3.500,00 EUR

Down payment

1.050,00 EUR

Loan amount

2.450,00 EUR

NIR (fixed, p.a.)



83 months

Monthly annuity

33,76 EUR

Total amount to be repaid

2.808,71 EUR

Front-end fee

2.880,12 RSD (24,50 EUR in dinar equivalent at middle exchange rate)


Promissory note

Other costs 

246,00 RSD – Credit Bureau

50,00 RSD – promissory  note

EIR (p.a.)


Calculation as on 09.11.2016.

Credit calculator

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Loan parameters:

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* Maximum repayment period is 360 months

Description Amount
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In which way are energy efficiency loans disbursed?

Loans are disbursed by payment of funds to the current account of the service provider.