Not insured by NMIC


Halkbank approves housing loans to retail clients with regular salaries or pensions paid to their current account with Halkbank. Loans are disbursed for the purchase, construction, extension or adaptation of residential premises.


Housing loans of Halkbank are disbursed:

  • With no annual loan administration fee
  • With no disbursement fee
  • On maturity up to 25 years
  • With possibility of co-repayment with another creditworthy person as a co-borrower

Terms and conditions


Depending on the borrower’s creditworthiness


Purchase, construction, extension and adaptation of residential premises


Dinar loan indexed in EUR

Indexing criterion

EUR – at NBS middle exchange rate


Up to 25 years

Grace period

Up to 12 months*

Down payment

  • Minimum 35%
  • No down payment if the loan amount does not exceed 65,00% of the value of real estate which is subject of mortgage

Nominal interest rate

(variable p.a.)

from 3,45% to 3,95% + 6m EURIBOR**

Front-end fee

0,50% - 0,70%


  • 2 blank promissory notes
  • First mortgage on real estate in favour of the Bank
  • Insurance of real estate for each year of the loan on construction value against basic risks and additional risks of water spillage, assigning the insurance policy in favour of the Bank

 * loans for contruction/adaptation of residential premises

** Amount of monthly annuity is adjusted twice a year with 6m EURIBOR.

Representative example

Real estate value

60.000,00 EUR

35% down payment

21.000,00 EUR

Loan amount

39.000,00 EUR

Annuity – amount of monthly obligation

187,66 EUR


25 years

Nominal interest rate

3,179% p.a; and/or 6m EURIBOR increased by fixed margin of 3,45% p.a.


Promissory notes, mortgage, insurance

Front-end fee (0,50%)

23.082,01 RSD (195,00 EUR)

Other costs of collateral

  • 246,00 RSD – Credit Bureau for borrower
  • 100,00 RSD - 2 promissory notes
  • 11.836,93 RSD Estimation of real estate (100 EUR)
  • 1.183,69 RSD Cadastral map (10 EUR)
  • 10.080,00 RSD Registration of lien statement
  • 52.749,00 RSD Mortgage registration
  • 4.734,77 RSD Insurance (40 EUR) 

Total amount to be repaid

56.353,22 EUR

Effective interest rate


Calculated as on 16.01.2018.

* 6m EURIBOR calculation -0,271

Credit calculator


What is EURIBOR?

EURIBOR (Euro Interbank Offered Rate) is a reference rate established at the European interbank market. It is a daily average rate on which prime European banks lend uninsured funds to one another.