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.
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 | 3.000,00 EUR |
| Down payment | 900,00 EUR |
| Loan amount | 2.100,00 EUR |
| NIR (p.a.) | 5,70% + 6M EURIBOR* |
| Maturity | 36 months |
| Monthly annuity | 66,38 EUR |
| Front-end fee | 1,50% |
| Total amount to be repaid | 2.398,22 EUR |
| Other costs | 246,00 RSD Credit Bureau |
| 50,00 RSD promissory note | |
| Collateral | Promissory note |
| EIR | 10,13% |
*Value of 6m EURIBOR 3,242%
Calculation as at 15.03.2023.
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.
