EN | RS

Standard repayment model

General info

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 100 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 instalment in dinars
  • On maturity up to 100 months
  • With no annual loan administration fee
  • With no disbursement fee

Term 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 100 months

Front-end fee

0,75% - 2,50%

Repayment

In equal monthly annuities

Collateral

Depending on the degree of indebtedness of the borrower


Nominal interest rate (fixed, p.a.)

Maturity

With sallary transfer in Halkbank

Without salary tranfer in Halkbank

Up to 36 months

7,45%

8,95%

37-60 months

9,45%

10,95%

61-100 months

10,95%

12,45%

 

Respresentative example

ElementsWith salary transferWithout salary transfer
Amount1.000.000,00 RSD1.000.000,00 RSD
Down payment0,00 RSD0,00 RSD
NIR (fixed, p.a.)9,45%10,95%
Maturity (no. of months)6060
Monthly annuity20.789,34 RSD21.462,24 RSD
Front-end fee
15.000,00 RSD
25.000,00 RSD
Total amount to be repaid
1.249.341,81 RSD1.287.734,54 RSD
Other costs246,00 RSD Credit bureau 50,00 RSD Promissory note
246,00 RSD Credit bureau 50,00 RSD Promissory note
CollateralPromissory notePromissory note
EIR (p.a.)10,19%12,20%

Calculated as of 24.01.2018.


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