For pensioners


If you are a pensioner and you need additional cash and/or you want to refinance your existing obligations, Halkbank a.d. Beograd offers you a loan with fixed interest rate, with no down-payment and no guarantors, all with life insurance free of charge.


You can file your loan request in any branch of Halkbank, submitting your ID card and pension cheques for the past three months.


Cash loans for pensioners are approved by a simple and fast procedure, namely:

  • With fixed monthly instalment in dinars
  • With life insurance free of charge
  • With no annual loan administration fee
  • With no disbursement fee

Terms and conditions


Depending on the creditworthiness of the borrower

Max. amount 1.200.000,00 RSD

Loan currency



13 - 83 months

Deposit / Down payment

No deposit / down payment

Nominal interest rate (fixed, p.a)



1,50% - 2,00% in the lump sum

Monthly obligation

Equal monthly annuities


Free Life Insurance Policy and Promissory note

Representative example


350.000,00 RSD

Nominal interest rate (fixed, p.a)

13,50 %

Maturity (months)


Monthly obligation

6.976,22 RSD

Total amount for repayment

502.530,60 RSD

Fee (1,50%)

5.250,00 RSD


Promissory note

Life Insurance Policy

Other fees

246,00 RSD - Credit Bureau

50,00 RSD - Promissory note

Effective interest rate


Calculated as at 29.06.2017

Credit calculator

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Loan parameters:

* All fields are mandatory

* Maximum repayment period is 360 months

Description Amount
Efektivna kamatna stopa:
Deposit refund:
Annuity (instalment):
No.of annuity (instalment):
Interest amount:
Total payment:


Is there any age lmit as a pre-condition for this type of loan?

The client may be maximum 75 years of age at the moment of repayment of the last annuity. Persons who will repay the last annuity at 76 and more, need one creditworthy guarantor.

Do I need to receive my pension through a current account at Halkbank?

When submitting the loan request, it is not necessary to receive your pension through a current account with Halkbank.