HALKBANK a.d. Beograd provides you with the possibility to purchase a new car by using a car loan with maturity of up to 83 months. You only need to choose a vehicle and visit any branch of HALKBANK with a pro-forma invoice of an authorized car dealer. We can offer you both car loans in dinars as well as car loans with index clause.
| Elements | RSD | With currency clause |
| Amount | Depending on the borrower’s creditworthiness | |
| Loan currency | RSD | RSD loan indexed in EUR |
| Maturity | Up to 83 | |
| Down payment | Minimum 10% of Pro-Forma Invoice/Invoice amount | Minimum 30% of Pro-Forma Invoice/Invoice amount |
| Nominal interest rate (p.a.) | 10,70% fixed, for the first 12 months | 3,70% + 6m Euribor |
| 10,70% + 6m Belibor, after first 12 months (RSD) | ||
| Front-end fee | 1,50% of the loan amount, in a lump sum | |
| Loan repayment | In equal monthly annuities | |
| Collateral | Promissory note | |
| Casco insurance policy assigned in favour of the bank | ||
| Pledge on vehicle | ||
246,00 RSD Credit Bureau, 50,00 RSD promissory note, 40.000,00 RSD Casco insurance, 5.500,00 RSD pledge on vehicle
| Representative example, loan with currency clause | |
|---|---|
| Pro-Forma Invoice/Invoice amount | 15.000,00 EUR |
| Down payment (min. 30%) | 4.500,00 EUR |
| Loan amount | 10.500,00 EUR |
| NIR (p.a.) | 3,70% + 6m Euribor** |
| Repayment term (months) | 83 |
| Monthly annuity | 158,58 EUR |
| Total amount to be repaid | 13.196,55 EUR |
| Front-end fee | 1,50% |
| Other costs | 246,00 RSD Credit Bureau |
| 50,00 RSD promissory note | |
| 40.000,00 RSD Casco insurance | |
| 5.500,00 RSD pledge on vehicle | |
| Collateral | Promissory note |
| Casco insurance policy assigned in favour of the Bank | |
| Pledge on vehicle | |
| EIR (p.a.) | 8,73% |
**Value of 6m Euribor: 3,242%
Calculated as at: 14.03.2023.
| Representative example, RSD loan | |
|---|---|
| Pro-Forma Invoice/Invoice amount | 1.200.000,00 RSD |
| Down payment (min 10%) | 120.000,00 RSD |
| Loan amount | 1.080.000,00 RSD |
| NIR (p.a.) | 10,70% fixed for first 12 months, then 10,70% + 6m Belibor |
| Repayment term (months) | 83 |
| Monthly annuity | 18.195,10 RSD for the first 12 months, 20.731,03 RSD after 12 months |
| Total amount to be repaid | 1.690.244,14 RSD |
| Front-end fee | 1,5% |
| Other costs | 246,00 RSD Credit Bureau |
| 50,00 RSD promissory note | |
| 40.000,00 RSD Casco insurance | |
| 2.200,00 RSD pledge on vehicle | |
| Collateral | Promissory note |
| Casco insurance policy assigned in favour of the bank | |
| Pledge on vehicle | |
| EIR (p.a.) | 12,48% |
Calculated as at: 07.04.2023.
Vrednost 6M Belibora 5,62%.
Loans are disbursed by payment of funds to the current account of the seller.
EURIBOR (Euro Interbank Offered Rate) is a reference rate established by the European Interbank Market. It is a daily average on which prime European banks lend uninsured funds to one another.
BELIBOR (Belgrade Interbank Offered Rate) is a reference rate established at the Serbian Interbank Market. It is calculated as an arithmetic mean of interest rates on which prime Serbian banks lend to one another in dinars.
Casco insurance policy is security for the borrower because it protects the borrower from unforeseen events, and provides collateral to the bank without requesting guarantors and other types of collateral.
Yes, you can get a loan and insurance policy at the same time in any unit of HALKBANK.
