Consumer loans without currency clause


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



Up to 71 months

Down payment

Min. 30% of the Pro-Forma Invoice/Invoice amount

Nominal interest rate (p.a.)

5,70% + 6M BELIBOR

Front-end fee

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


Depending on credit indebtedness

Representative example

Pro-Forma Invoice/Invoice amount 350.000,00 RSD
Down payment 105.000,00 RSD
Loan amount 245.000,00 RSD
NIR (p.a.) 5,70% + 6M BELIBOR*
Maturity 36
Monthly annuity 7.516,66 RSD
Front-end fee 1,50% 1,50% (3.675,00 RSD)
Total amount to be repaid 274.570,66 RSD
Other costs 246,00 RSD Credit Bureau
50,00 RSD promissory note
Collateral Promissory note
EIR 7,94%

*Value of 6m BELIBOR: 1,07 %
Calculation on date: 09.06.2021.

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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.