Housing Loans Not Insured by NMIC


HALKBANK approves housing loans to retail clients with regular salaries or pensions paid to their current account with HALKBANK. Loans are disbursed for the purchase, construction, extension or adaptation of residential premises.

Repayment period up to 25 years
Possibility of repayment with another creditworthy person as co-borrower

Terms and conditions

Amount Depending on the borrower’s creditworthiness
Purpose Purchase, construction, extension and adaptation of residential premises
Loan currency RSD loan indexed in EUR
Indexing criterion EUR –NBS middle exchange rate
Maturity Up to 25 years
Grace period Up to 12 months*
Down payment Minimum 35,00%
No down payment if the loan amount does not exceed 65,00% of the value of real estate which is subject of mortgage
Nominal interest rate 1.10% + 6m EURIBOR until 31.12.2024. and after that 3.15% to 3.55% + 6m EURIBOR**
(variable, p.a.)
Front-end fee 0,50%
Collateral 2 blank promissory notes
First mortgage on real estate in favour of the Bank
Insurance of real estate on construction value against basic risks and additional risks of water spillage, assigning the insurance policy in favour of the Bank

* loans for contruction/adaptation of residential premises
** Amount of monthly annuity is adjusted twice a year with 6m EURIBOR.

Representative example

Real estate value 60.000,00 EUR
Down payment 35% 21.000,00 EUR
Loan amount 39.000,00 EUR
Annuity – amount of monthly obligation EUR 230.36 until 31.12.2024. and after that 275.04 EUR
Maturity 25 years
Nominal interest rate 5.225% per annum; that is + 6M EURIBOR increased by a fixed margin of 1.10% until 12/31/2024. and thereafter 7.275% per annum + 6M EURIBOR increased by a fixed margin of 3.15%
Collateral Promissory notes, mortgage, insurance
Front-end fee (0,50%) 22.850,78 RSD (195,00 EUR)
Other costs of collateral 246,00 RSD - Credit Bureau for the borrower
100,00 RSD - 2 promissory notes
11,734,00 RSD Estimation of real estate (100 EUR)
540,00 RSD Cadastral map 
15.120,00 RSD Registration of lien statement
22.640,00 RSD Mortgage registration
4.696,00 RSD Insurance (40 EUR)
28.000,00RSD Certification of the sales contract
Total amount to be repaid 77,465.7 EUR
Effective Interest Rate 7,28%

Calculated on 10.10.2023.
6m Euribor value  4,125

Apply for product

Personal information


Additional info


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.