Eco loan is intended for individuals who want to increase the energy efficiency of their homes using renewable energy sources and supply of better thermal isolation of the home.

This way they will reduce energy consumption and associated costs, and at the same time will contribute to saving the environment. With Halkbank AD, You have a partner who is committedly working to greater energy efficiency and better environment.


  • Amount: from 500 EUR up to 100.000 EUR
  • Maximum Term: up to 240 months
  • Grace period: up to 6 months
  • Interest rate:
    • Halkbank AD: 5.5% nominal interest rate, annual rate of total expenses 6.29% (RTE).
  • Costs for loan: 1.50% from the amount
  • Fee for control in the Loan Register: 200,00 MKD ( the fee is paid before the payment of the loan and it is not paid for declined or canceled reguestes).
  • Credit worthiness: 1/2 of the total monthly incomes with the possibility of co-applicant.
  • Collateral:
    • Up to 10.000 EUR promissory note and promissory note statement
    • Over 10.000 EUR mortgage of immovable property valued at 1:1,5

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