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Cash Loans and refinancing loans with variable interest rate

General

If you need additional cash and/or you want to refinance your current obligations, Halkbank a.d. Beograd offers you a dinar loan with a variable interest rate and maturity up to 95 months, no down payment and with a fast and simple approval procedure. You can get the loan if You receive your salary through a Halkbank current account.

Benefits

Loans are approved: 

  • With fixed monthly annuity in dinars in first 12 months
  • Without exchange rate risk throughout the repayment period
  • Without approval front-end fee
  • With a repayment period up to 95 months

Terms and conditions

Amount

Depending on the borrower's creditworthiness. Max amount: 2.000.000 RSD

Loan currency

RSD

Deposit/Down payment

No deposit/down payment

Maturity

From 13 up to 95 months

Front-end fee

0,00%

Repayment

In equal monthly annuities

Collateral

Depending on the degree of indebtedness of the borrower

Salary transfer

Yes

Nominal interest rate (p.a.)

4,95% first 12 months, after 12 months 4,95%+6mBelibor


Representative example

Elements

With salary transfer in Halkbank

Amount

1.000.000,00 RSD

Deposit/Down payment

0,00 RSD

NIR (p.a.)

4,95% first 12 months, after 12 months 4,95%+6mBelibor

Maturity (no. of months)

95

Monthly annuity

12.692,94 RSD first 12 months, after 12 months 13.755,05 RSD

Front-end fee

Without fee

Total amount to be repaid

1.293.984,65 RSD

Other costs

246,00 RSD Credit bureau

50,00 RSD Promissory note

Collateral

Promissory note

EIR

6,90%


Calculated as of 19.08.2019.

*Value of 6mBelibor is 2,62


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:

Questions

What minimum term of service is necessary as a condition for filing a loan request?

  • Term of service of the applicant with the latest employer must be minimum 6 months