Consumer loans with currency clause

General information

HALKBANK offers you energy efficiency loans intended to all of you who take care of your expenses and at the same time want to improve the quality of your life. These loans are used for the purchase of equipment and execution of works in order to improve energy efficiency.

These loans can be used for the following:

  • revitalisation of heating network
  • insulation of residential premises
  • improvement and replacement of windows
  • installation of smart energy systems
  • purchase of heating pumps etc.
Repayment period up to 71 months
Variable interest rate

Terms and conditions


Depending on the borrower’s creditworthiness

Loan currency

RSD loan indexed in EUR


Up to 71 months

Down payment

Minimum 30% of Pro-Forma Invoice/Invoice amount

Nominal interest rate (p.a.)

5,70% + 6m Euribor

Front-end fee

1,50% of loan amount, in a lump sum


Equal monthly annuity


Depending on credit indebtedness

Representative example

Pro-Forma Invoice/invoice amount 3.500,00 EUR
Down payment 1.050,00 EUR
Loan amount 2.450,00 EUR
NIR (p.a.) 5,70% + 6M EURIBOR*
Maturity 60 months
Monthly annuity 46,31 EUR
Front-end fee 1,50% 1,50% (36,75 EUR)
Total amount to be repaid 2.817,95 EUR
Other costs 246,00 RSD Credit Bureau
50,00 RSD promissory note
Collateral Promissory note
EIR 5,89%

*Value of 6m EURIBOR -0,512%
Calculation as at 09.06.2021.

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Personal information


Additional info


Loans are disbursed by payment of funds to the current account of the service provider.

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.

With loans with currency clause, 30% of obligatory down payment is intended for accompanying costs.