Terms of credit
- Amount: up to 200.000 EUR
- Tenor: up to 240 months
- Interest rate with salary/pension in Halkbank:
- 4,00 p.p + 6 month Euribor for 1 year
- 5,75 p.p + 6 month Euribor for the rest of the period (APR 5,59%)***
- Interest rate without salary in Halkbank:
- 6,00 p.p + 6 month Euribor for 1 year
- 6,50 p.p + 6 month Euribor for the rest of the period (APR 6,57%)
- Creditworthiness - according to monthly income
- Upfront fee: 0,50% of the amount.
- Loan Costs: 350 MKD ( the fee is paid before the payment of the loan and it is not paid for declined or canceled requests), 150 mkd loan application, the amount of the cost of the life insurance policy is subject to the tariff of Halk Insurance.
- Fee for prepayment: 3 % with loan from another bank, 0 % from own funds.
- Collateral - Mortgages on real estate 1:1,3, bill of exchange and bill of exchange statement.
* 5,59% APR for loan amount of 50,000 EUR, with salary/pension in Halkbank, variable interest rate of 4,00 p.p +6 month Euribor for 1 year and 5,75 p.p + 6 month Euribor for the rest of the period, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 MKD
** The amount of the annual percentage rate of total costs (APR) is affected by the loan repayment term, the loan amount, the amount of loan costs included in the calculation of the APR and the amount of the contractual interest rate.
*** the life insurance policy is not calculated in APR