With salary in Halkbank;

The mortgage loan is intended for all creditworthy individuals with full-time employment in public administration or companies acceptable for the Bank, with salary.


Halk Banka offers you the best solutions with highly specialized team to our customers. Halk Banka offers fixed interest rate for the first year and with tenor up to 240 months.

Terms of credit

  • Amount: up to 200.000,00 EUR
  • Tenor: up to 240 months 
  • Collaterals: according to monthly income
  • Interest rate with salary: Variable interest rate: 6,50 percentage points+6 month Euribor, 6,83% annual percentage rate of total costs (APR)
  • Interest rate without salary: Variable interest rate: 7,60 percentage points+6 month Euribor 8,16% annual percentage rate of total costs (APR)
  • Upfront fee: 0,50% of the amount
  • Loan Cost: 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
  • Fee for prepayment: 3 % with loan from another bank, 0% from own funds.
  • Collateral -  Mortgages on real estate, bill of exchange and bill of exchange statement.

How can I apply for mortgage and what are the required documents?

You can apply for a loan at the nearest Halk bank branch with the documents.

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