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Informations

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 83 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

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 83 months

Front-end fee

0,95% - 1,95%

Repayment

In equal monthly annuities

Collateral

Depending on the degree of indebtedness of the borrower


Nominal interest rate (fixed, p.a.)

With sallary transfer in Halkbank

9,95%

Without salary tranfer in Halkbank

11,95%

 

Respresentative example

ElementsWith salary transferWithout salary transfer
Amount1.000.000,00 RSD1.000.000,00 RSD
NIR (fixed, p.a.)9,95%11,95%
Maturity (no. of months)8383
Monthly annuity16.494,72 RSD17.439,43 RSD
Front-end fee
9.500 RSD
19.500 RSD
Total amount to be repaid
1.369.320,87 RSD1.447.781,17 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.)10,30%12,69%

Calculated as of 31.01.2020.


Credit Calculator

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* Maximum repayment period is 360 months

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Questions

What minimum term of service is necessary as a condition for filing a loan request?

  •      Term of service of the applicant with the latest employer must be minimum 6 months.

E-MAIL:

tekuci.racun@halkbank.rs

office@halkbank.rs

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