GENERAL

Halkbank AD Skopje approves overdraft of a transaction account for all clients with a maximum amount of up to 3 monthly income with a validity period of up to 12 months. The Bank approves the allowed overdraft on a transaction account and pensioners with a maximum amount of up to 2 monthly pensions and a validity period of up to 12 months.

BENEFITS

  • Maximum amount up to 3 monthly salaries for all employees 
  • Simple and fast procedure
  • Favorable interest rate

TERMS

Amount:

  • Up to 3 monthly salaries
  • Up to 2 monthly pensions

Tenor: up to 12 months

Interest rate:

  • 11,25% fixed interest rate
  • 10,00% fixed interest rate for members of SONK
  • 10,00% fixed interest rate for pensioners

Fee for control in the Loan Register: a bill of lading for amounts over 100,000.00 MKD

Collateral: without bill of exchange for amounts up to 100,000.00 MKD

Creditworthiness: according to monthly income

FAQ

Who can use overdraft on a transaction account?

All clients who are in regular employment / pensioners with salary / pension in Halkbank AD Skopje.

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