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:
In cooperation with its partners, HALKBANK approves special conditions for energy efficiency loans. The following companies offer you their services:
Depending on the borrower’s creditworthiness
RSD loan indexed in EUR
Up to 71 months
Min. 30% of Pro-Forma Invoice / Invoice amount
3,70% + 6M EURIBOR
1,50% of the loan amount, in a lump sum
Depending on credit indebtedness
| 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.) | 3,70% + 6M EURIBOR* |
| Repayment term | 36 months |
| Monthly annuity | 64,92EUR |
| Total amount to be repaid | 2.375,29 EUR |
| Front-end fee | 1,50% (31,50 EUR) |
| Collateral | Promissory note |
| Other costs | 246,00 RSD Credit Bureau |
| 50,00 RSD promissory note | |
| EIR (p.a.) | 8,49% |
* Value of 6M Euribor 3,618%
Calculated as at 22.05.2023
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.
