General information

 

Halkbank AD Skopje for the first time offers a consumer loan with life insurance for all clients. The insurance policy provides protection of your property as a result of unhappiness, security of repayment and protection of the whole family.

Benefits

For this type of clients, Halkbank AD Skopje offers a fixed interest rate for the first 2 years with a repayment period of up to 120 months, WITHOUT costs for approval and WITHOUT costs for early liquidation of the loan. This type of loan can be used for your current needs, and also for refinancing existing loans from other banks.

Terms of credit

  • Amount: up to 1.200.000,00 MKD
  • Tenor: up to 120 months
  • Creditworthiness: according to monthly income
  • Interest rate  5,90% fixed for the first two year, the rest of the period variable which currently is 7,40% for clients with salary in Halkbank, 7,03% annual percentage rate of total costs (APR)
  • Upfront fee: 0%
  • Fee for prepayment: 0%
  • 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 loan application, the amount of the cost of the life insurance policy is subject to the tariff of the insurance company

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 age can I apply for a life insurance loan?

Access age for loan application with life insurance is not older than 65 years.

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