Dear clients,
We would like to present you our special offer of „HALK PACKAGE Tailored for You“ for employees of corporate and SME employers under our most favourable conditions.
„HALK PACKAGE Tailored for You“ includes the following products:
1. Current account package (Silver or Gold)
2. Cash loan / Refinancing loan
3. Credit card – Mastercard World
4. Overdraft
Users of this package are exempt from paying membership fee for the credit card:
Loan terms and conditions | Mastercard World credit card terms and conditions | Overdraft | |
Amount (depending on creditworthiness) |
Up to 2.000.000,00 RSD | From 250,00 EUR to 2.500,00 EUR (in dinar equivalent) |
Up to the salary amount, maximum RSD 100.000 |
Loan/credit card currency | RSD | RSD | RSD |
Maturity in months | Up to | 36 | 24 |
Down payment | None | None | None |
Monthly obligation | Depending on the loan amount | 5% minimum 1.000,00 RSD (minimum monthly obligation) |
- |
Nominal interest rate (p.a.) | From 6,45%+6m BELIBOR (variable)* | 18,00% (fixed) | 24,00% fixed |
Front-end fee | None | None | None |
Repayment | In monthly annuities | In equal monthly instalments | In a lump sum |
Obligation of salary transfer | Yes | Yes | Yes |
Collateral | Promissory note | Promissory note | Promissory note |
*Interest rate depends on the type of current account package you select when applying for credit products.
Salary transfer | Yes |
Loan amount | 1.000.000,00 RSD |
Down payment | None |
NIR (p.a.) | 6,45%+6m BELIBOR |
Maturity | 71 months |
Monthly annuity | 17.998,28 RSD |
Front-end fee | None |
Total amount to be repaid | 1.277.878,19 RSD |
Other costs | 246,00 RSD Credit Bureau 50,00 RSD promissory note |
Collateral | Promissory note |
EIR | 8,90% |
Calculated as on 27.07.2022
Salary transfer | Yes |
Credit card limit | 200.000,00 RSD |
NIR (monthly) | 1,50% |
Maturity | 36 monthly |
Monthly instalment | 12,730.00 RSD |
Total amount | 274.987,01 RSD |
Other costs | 246,00 RSD Credit Bureau 50,00 RSD Promissory note 100,00 RSD Monthly membership fee (no fee for the first 6 months) 495,00 RSD Monthly maintenance of the Gold current account package |
Collateral | Promissory note |
EIR | 29,25% |
Calculated as on 07.02.2022
Salary transfer | Yes |
Loan amount | 50.000,00 RSD |
Down payment | None |
NIR (p.a.) | 24,00% |
Maturity | 24 months |
Monthly annuity | - |
Front-end fee | None |
Total amount to be repaid | 71.995,88 RSD |
Other costs | 246,00 RSD Credit Bureau 50,00 RSD Promissory note |
Collateral | Promissory note |
EKS | 24,45% |