If you are a pensioner and you need additional cash and/or you want to refinance your existing obligations, HALKBANK a.d. Beograd offers you a loan with fixed interest rate, with no down payment and no guarantors, all with life insurance free of charge.
You can file your loan request in any branch of HALKBANK, submitting your ID card and pension cheques for the past three months.
Depending on the creditworthiness of the borrower. Maximum amount 1.200.000,00 RSD
RSD
13 – 71 months
No down payment / deposit
13,50%
1.50% - 2,00%
Equal monthly annuities
Promissory note and life insurance free of charge
| Loan amount | 350.000,00 RSD |
| NIR (p.a., fixed) | 13,50 % |
| Repayment term (in months) | 71 |
| Monthly annuity | 7.041,87 RSD |
| Total amount to be repaid | 505.344,18 RSD |
| Front-end fee (1,50%) | 5.250,00 RSD |
| Collateral | Promissory note |
| Life Insurance Policy | |
| Other costs | 246,00 RSD - Credit Bureau |
| 50,00 RSD - promissory note | |
| EKS (p.a.) | 14,18% |
Calculated as at 31.12.2020.
The client may be maximum 75 at the time of repayment of the last annuity. Those who will repay their last annuity in 76 and more will need one creditworthy guarantor.
You can apply for this loan for pensioners no matter whether you receive your pension through the account at HALKBANK or not.
