With salary in Halkbank;

The mortgage loan is intended for all creditworthy individuals with full-time employment in public administration or companies acceptable for the Bank, with salary.



Halk Banka offers you the best solutions with highly specialized team to our customers. Halk Banka offers fixed interest rate for the first year and with tenor up to 240 months.

Loan terms

Terms of credit

  • Amount: up to 150.000 EUR
  • Tenor: up to 240 months 
  • Interest rate with salary: 
    • 4,50 p.p +6 month Euribor for 1 year
    • 6,00 p.p +6 month Euribor for the rest of the period (6,12% APR)
  • Interest rate without salary:
    • 6,50 p.p +6 month Euribor for 1 year
    • 7,00 p.p +6 month Euribor for the rest of the period (7,75% APR)
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Upfront fee: 1% of the amount for loan with salary in Halkbank, 2% of the amount for loan without salary in Halkbank.
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 1000 MKD per year for a period equal to the loan repayment period

(The client concludes Multiyear Insurance Agreement with the insurance company. The insured amount is defined in the policy)

  • Loan Cost: 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 Croatia Insurance – Life.
  • 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.

* 6,12 % APR for loan amount of 50,000 EUR , with salary/pension in Halkbank, variable interest rate of 4,50p.p + 6 month Euribor for 1 year and 6,00 p.p + 6 month Euribor for the rest of the period, tenor 95 months, application fee 150 MKD, costs for checking in MKB 350 MKD and cost for insurance policy 1000 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, the amount of the contractual interest rate and the amount of the insurance policy.


How can I apply for mortgage and what are the required documents?

You can apply for a loan at the nearest Halk bank branch with the documents.

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