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Halk rest

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 fixed interest rate and maturity up to 95 months, no down payment and with a fast and simple approval procedure. You can get the loan regardless of whether you receive your salary through a Halkbank current account or not.

Benefits

Loans are approved:

  • With fixed monthly annuity in dinars
  • On maturity up to 95 months
  • With repayment pause (every 7th month, annuity 0,00 RSD)

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

Up to 95 months

Front-end fee

0,00-2,00%

Repayment

In equal monthly annuities

Collateral

Depending on the degree of indebtedness of the borrower

Nominal interest rate (fixed, p.a.)

Maturity

With salary transfer in Halkbank

Without salary transfer in Halkbank

Up to 36 months

7,45%

8,95%

37 to 60 months

8,95%

9,95%

61 to 95 months

9,95%

11,45%


Representative example

Elements

With salary transfer in Halkbank

Without salary transfer in Halkbank

Amount

800.000,00 RSD

800.000,00 RSD

Deposit/Down payment

0,00 RSD

0,00 RSD

NIR (fixed, p.a.)

8,95%

9,95%

Maturity (no. of months)

60

60

Monthly annuity

18.937,93 RSD

19.342,40 RSD

Front-end fee

8.000,00 RSD (1,00% one time)

16.000,00 RSD (2,00% one time)

Total amount to be repaid

987.972,42 RSD

1.009.346,83 RSD

Other costs

246,00 RSD Credit bureau       50,00 RSD Promissory note

246,00 RSD Credit bureau

50,00 RSD Promissory note

Collateral

Promissory note

Promissory note

EIR

9,37%

10,85%


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?

  • Total term of service of the applicant must be minimum 6 months, with minimum three months with the latest employer.

What does Halk rest means?

  • Halk rest means that every seventh month you have a pause in repayment during your loan repayment. Every seventh month your annuity is 0,00 RSD, so you can use your funds for your personal needs.