Loans on Special Conditions with Fixed Interest Rate


Loans are approved to natural persons for purchase of products and services from the companies with which the Bank has concluded a cooperation agreement.

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.

In cooperation with its partners, HALKBANK approves special conditions for energy efficiency loans. The following companies offer you their services:

Repayment period up to 71 months
Fixed interest rate

Terms and Conditions

Loan amount

Depending on the borrower’s creditworthiness

Loan currency

RSD loan indexed in EUR

Repayment term

Up to 71 months

Down payment

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

Nominal interest rate (fixed, p.a.)


Front-end fee

1,00% of the loan amount, in a lump sum


Depending on credit indebtedness

Representative example

Pro-Forma Invoice/invoice amount 3.000,00 EUR
Down payment (Min. 30% of Pro-Forma Invoice /Invoice amount) 900,00 EUR
Loan amount 2.100,00 EUR
Nominal interest rate (p.a.) 4,00%
Repayment term 36 months
Monthly annuity 61,93 EUR
Total amount to be repaid 2.253,12 EUR
Front-end fee 1,00% (21,00 EUR)
Collateral Promissory note
Other costs 246,00 RSD Credit Bureau
50,00 RSD promissory note
EIR (p.a.) 4,78%

Calculation on date:  09.06.2021.


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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.