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:
Depending on the borrower’s creditworthiness
RSD loan indexed in EUR
Up to 71 months
Minimum 30% of Pro-Forma Invoice/Invoice amount
5,70% + 6m Euribor
1,50% of loan amount, in a lump sum
Equal monthly annuity
Depending on credit indebtedness
| 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.
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.
