General Information

General Information


Halkbank AD Skopje offers housing loans secured by a life insurance policy for all clients. You can use the loan for buying an apartment, buying a house and buying a business space, as well as refinancing your exposures to other banks on the basis of a housing loan. The insurance policy provides protection of your property as a result of non-pecuniary similarity, security of repayment and protection of the whole family.

 

Benefits

Benefits


The loan secured by life insurance offered by Halkbank AD is fixed interest rate for the first 5 years, the repayment period is up to 30 years, the low rate of total loan costs, WITHOUT cost estimates, WITHOUT costs for approval and WITHOUT costs for early liquidation from own funds, as well as major reliefs in the collateral.

Loan Terms

COMFORT+ with life insurance

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period- Up to 12 months
  • Interest rate with salary : 3,40% fixed for first trhee years, 4,40% fixed for next two years and 5,40% p.p + variable interest rate of 6 month Euribor for the rest of the period ( if Euribor rate is negative, presentage will be counted as 0%) 5,40% annual percentage rate of total costs (APR)
  • upfront fee : 0%
  • Without cost for estimation
  • Fee for control in the Loan Register: 200,00 MKD ( the fee is paid  if the loan is approved).
  • Collateral-  Mortgage 1:1,25 Promissory note and statement of promissory note
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor

FAQ

FAQ

What is the amount of the policy?

The amount of the cost of the life insurance policy is subject to the tariff of the insurance company. The policy is paid one time before the payment of the loan

 

What can a loan be used for?

The housing loan can be used to purchase a new apartment, buy a house and business premises as well as refinance existing loan in other banks

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