Cash loans and Refinancing loans with variable interest rate


If you need additional cash and/or you want to refinance your current obligations, HALKBANK a.d. Beograd offers you a dinar loan with a variable interest rate and maturity up to 71 months, with no down payment and with a fast and simple approval procedure. You can get the loan regardless of whether you receive your salary through a HALKBANK current account or not.

Terms and Conditions


Depending on the borrower’s creditworthiness. Maximum amount: 2.000.000 RSD

Loan currency


Deposit / Downpayment

No deposit / no downpayment


Up to 71 months

Front-end fee

1,00% - 2,00%


Monthly annuities


Depending on the borrower’s creditworthiness.

Nominal interest rate (p.a., variable)
With salary transfer 9,00% + 6M BELIBOR
Without salary transfer 11,00% + 6M BELIBOR


Representative example

Elements With salary transfer Without salary transfer
Loan amount 1.000.000,00 RSD 1.000.000,00 RSD
NIR (p.a., variable) 9,00 % + 6M BELIBOR 11,00 % + 6M BELIBOR
Maturity 71 71
Monthly annuity 18,679.27 RSD 19,602.79 RSD
Front-end fee 1,00% (10.000 RSD) 2,00% (20.000 RSD)
Total amount to be repaid 1.334.385.67 RSD 1.401.444,44 RSD
Other costs 246,00 RSD Credit bureau 50,00 RSD Promissory note 246,00 RSD Credit bureau 50,00 RSD Promissory note
Collateral Promissory note Promissory note
EKS 10,80% 13,24%

Calculated as at 01.04.2022

Credit calculator


Apply for product

Personal information


Additional info


Term of service of the applicant must be minimum six months with the latest employer.