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With repayment pause

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

Terms and conditions

Amount

Depending on the borrower's creditworthiness, max amount: 2.000.000,00

Loan currency

RSD

Deposit / Down payment

No deposit / down payment

Maturity

Up to 95 months

Front-end fee

1,00% - 2,75%

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

Without salary transfer

Up to 36 months

7,45%

8,95%

37-60 months

9,45%

10,95%

61-95 months

10,95%

12,45%


 


Representative example

ElementsWith salary transferWithout salary transfer
Amount1.500.000,00 RSD1.500.000,00 RSD
Down payment0,00 RSD0,00 RSD
NIR (fixed, p.a.)10,95%12,45%
Maturity9595
Monthly annuity26.796,37 RSD28.028,53 RSD
Frone-end fee30.000,00 RSD41.250,00 RSD
Total amounut to be repaid2.199.011,26 RSD2.300.269,38 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
EIR11,50%13,25%

Collateral as at 28.01.2019.

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.