Halkbank Beograd | EUR LOAN WITH 100% DEPOSIT

EUR LOAN WITH 100% DEPOSIT

General information

Halkbank offers the possibility of providing cash loans with 100% deposit and with fast and simple approval procedures.

Benefits

Loans are approved:

  • With fixed monthly instalment in dinars

Terms and conditions

Amount

In the amount of deposit placed

Loan currency

EUR in RSD equivalent at the NBS middle exchange rate on the loan disbursement date

Indexing criterion

EUR –NBS middle exchange rate

Repayment term

Equal to the term period

Deposit

100% of the loan amount

Nominal interest rate (fixed p.a.)

3.00%

Fee

0,50% - 0.70%

Repayment method

In equal monthly annuities

Collateral

Deposit 100% of the loan amount
Promissory note

Representative example

Bank name HALKBANK a.d. Beograd
Salary transfer No
Amount 10.000,00 EUR
Repayment term 60 months
Loan currency EUR
Nominal interest rate (fixed p.a.) 3,00%
Aproval fee 0,70% 70,00 EUR (NBS middle exchange rate)
Monthly annuity 179,51 EUR (repayment is in dinars at the NBS middle exchange rate as on the date of annuity payment)
Total price of the loan 843,13 EUR
Collateral Deposit 100,00% of the loan amount, promissory note
Other costs  246,00 RSD - Credit Bureau
50,00 RSD - promissory note
Total amount to be paid based on the loan agreement 10.843,13 EUR
Effective interest rate Effective interest rate cannot be presented because of a relatively large deposit amount which serves as collateral for the loan

Representative example on 30.06.2025.

Attention! Borrowing money includes costs.

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Personal information

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