General

General

With salary in Halkbank;

If you want to have a car of your dreams Halk Banka offers you a car loan with attractive interest rates

Benefits

Benefits

Halk Banka has the best car loans without guarantors that will fit your budget and your needs. Now you can get your car, you can make your payment in the long run.

Rates and fees

Rates

  • Amount: 75.000 EUR
  • Tenor: up to 95 month
  • Interest rate: 5,80% fixed for the first year, the rest of the period 6,80% variable + 6 month Euribor (APR 6.74%)
  • Upfront fee: 0% for client with salary in HB, 2,00% for other client
  • Loan costs: Costs for checking in MKB 350,00 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled reguests).
  • Creditworthiness - 1/2 of the monthly income of the client
  • Own participation
    • 0% for vehicle up to 12.000 EUR
    • 20% for vehicle above 12.000 EUR

* 6,74 % APR for loan amount of 20,000 Eur , interest rate variable 6,80 %, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 MKD

** The tenor of the loan , the amount of the loan, the amount of the loan costs included in the calculation of the APR and the amount of the contractual interest rate affect the amount of the annual percentage rate of total costs (APR).

FAQ

Do I need a guarantor for my car loan?

You don't need a guarantor for your car loan. All you have to do is to full the application form and get your loan.

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