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EUR loan with 100% deposit

General

Halkbank offers the possibility of providing cash loans with 100% deposit and with fast and simple approval procedures. You only need ID card with the loan request.

Benefits

Loans are approved:

  • With fixed monthly instalment in dinars
  • With no annual loan administration fee
  • With no loan disbursement fee

Terms and conditions

Amount

In the amount of deposit placed

Loan currency

Dinar loan indexed in EUR

Indexing criterion

EUR –NBS middle exchange rate

Repayment term

Equal to the term period, not longer than 83 months.

Deposit

100% of the loan amount

Nominal interest rate (fixed p.a.)

3.00%

Front-end fee

0,50% - 0.70% in a lump sum

Repayment method

In equal monthly annuities

Collateral

Deposit 100% of the loan amount

Promissory note of the borrower


Representative example

Amount

5.000,00 EUR

Repayment term

60 months

Currency

978 - EUR

Nominal interest rate (fixed p.a.)

3.00%

Front-end fee

4.310,09 RSD (35.00 EUR at the NBS middle exchange rate as  on 18.05.2017.)

Monthly annuity

89,75 EUR (repayment is in dinars at the NBS middle exchange rate as on the date of annuity payment)

Collateral

Deposit 100,00% of the loan amount, promissory note

Other costs 

246,00 RSD – Credit Bureau

50,00 RSD – promissory note

Total amount for repayment

5.390,85 EUR

Effective interest rate

Effective interest rate cannot be presented because of a relatively large deposit amount which serves as collateral for the loan

Calculated as on 18.05.2017.

Credit calculator

Questions

Is it a condition that the applicant must be permanently employed?

Permanent employment is not a condition for applying for this loan.