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Overdraft

General

You will be eligible for an overdraft in Halkbank after payment of one salary or pension to your current account.

Subject to prior appraisal of creditworthiness, an overdraft is approved in the amount of three average salaries.

Maximum amount of overdraft is RSD 100,000 RSD.

The overdraft is approved for the period of 24 months.

Benefits

With a current account opened, you acquire right of using E-Banking/M-Banking, standing orders for the settlement of monthly obligations, payment cards, and with regular monthly payments of your salary/pension you have right to use overdraft and cheques.

When you are approved for an overdraft, you get an ideal solution for satisfaction of your immediate needs for additional funds.

Terms and conditions

The Bank charges a fee for approving an overdraft in the amount of 0.50% of the overdraft amount.

The interest rate on overdraft is 24% p.a.

Representative example

Amount

50.000,00 RSD

Term

24 months

Currency

941 - RSD

Nominal interest rate

24,00% p.a. fixed

Front - end fee250,00 RSD

Expenses

246,00 RSD – Credit Bureau

50,00 RSD – promissory note

Collateral

Promissory note

Total interest

21.702,94 RSD

Total for refund

71.702,94 RSD

Effective interest rate

24,83% p.a.


Questions

What documents are required for the approval of the overdraft?

With three latest salary slips / pension cheques, you need to submit a verified Request for usage of an overdraft.

 Is it possible to increase overdraft amount, if after the approval my salary rises?

Yes, it is possible.