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.
| 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 | from 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.
| 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 | 224,24 EUR |
| Maturity | 25 years |
| Nominal interest rate | 6,46% p.a.; and/or 6M EURIBOR increased by fixed margin of 3,15% |
| Collateral | Promissory notes, mortgage, insurance |
| Front-end fee (0,50%) | 22.871,00 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 | 77,465.7EUR |
| Effective Interest Rate | 6,73% |
Calculated on 19.04.2023.
6m Euribor value 3,312
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.
