General

For employees in Public Adminsitration, Joint stock companies, Financial Institutions  and Private companies (with or without salary in Halkbank);

Halk Bank AD Skopje offers variety of retail products targeting employees in public administration, private companies, INC. and financial institutions with intelligent solutions in order to provide less burdens with majority of benefits for it’s clients.

Benefits

For this type of clients Halk Bank AD Skopje offers fixed interest rate for first year with tenor even up to 95 months. This type of loans could be used for Your current needs and also for refinancing of any other types of existing loans.

Loan terms

  • Interest rate - 5,90% fixed for the first year, the rest of the period variable which currently is 7,14% for clients with salary in Halkbank, 8,13% annual percentage rate of total costs (APR)
  • Upfront fee - 1,00% after approving
  • Amount - 900.000,00 МKD
  • Tenor - 95 months
  • Fee for control in the Loan Register:
    • 350,00 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled reguestes)
    • 150,00 MKD for loan application.

FAQ

May I use this loan for refinancing?

Yes one of the purposes for this loan is refinancing all existing loans in other banks.

May I use for closing my exposure of credit cards?

Yes one of the purposes for this loan is refinancing all existing credit cards in other banks.

Be informed about

CHILDREN SAVING

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for your children

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CREDIT CARD

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we’ll give you BONUS!

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E-BANKING

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do banking from everywhere!

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