Halkbank Beograd | Consumer loans with currency clause

Consumer loans with currency clause

General information

 

Thinking about buying a new computer? Have you worn out appliances in your apartment and it is necessary to replace them?

With consumer loans HALKBANK a.d. Belgrade, buying goods and services is even more accessible to you.

Consumer loans are intended for the purchase of goods and services for various purposes (furniture, household appliances, mobile phones, computers and computer equipment, medical services and others).

Purchase through consumer loans is possible with a pro-invoice or an invoice for the products or services that you have chosen, and that you need to submit to the Retail CRM at any HALKBANK a.d. Belgrade branch.

As soon as possible, our Retail CRM will inform you about the approval of your loan request.

Repayment period up to 71 months
Variable interest rate

Terms and conditions

Amount

Depending on the borrower’s creditworthiness

Loan currency

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

Maturity

Up to 71 months

Down payment

Minimum 30% of Pro-Forma Invoice/Invoice amount

Nominal interest rate (p.a.)

4,00% + 6m Euribor

Front-end fee

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

Repayment

Equal monthly annuity

Collateral

Depending on credit indebtedness

Representative example

Bank name HALKBANK a.d. Beograd
Salary transfer No
Pro-Forma Invoice/invoice amount 10.000,00 EUR
Down payment 3.000,00 EUR (minimum 30,00%)
Loan amount 7.000,00 EUR
Currency

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

NIR (p.a.) 4,00% + 6M EURIBOR*
Maturity 71 months
Monthly annuity 117,02 EUR
Front-end fee (1,50%) 105,00 EUR
Total price of the loan 1.415,64

Total amount to be paid based on the loan agreement

8.415,64 EUR
Other costs 246,00 RSD Credit Bureau
50,00 RSD promissory note
Collateral Promissory note
EIR 6,64%


Representative example on the date 30.06.2025

*Value of 6M EURIBOR on 29.05.2025. is 2,06%

Attention! Borrowing money includes costs.

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Personal information

+381

Additional info


Questions

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.