For members of SONK

Take advantage of attractive loan opportunities for your needs and meet Halk Banka consumer loan advantages for members of SONK union.

With this product, you can take advantage of opportunities such as consulting services before taking out a loan.

Halk Banka for the members od SONK union offers attractive fixed interest rate for the first year, posibility for increasing the loan amount if needed through the payment period, availability of a new loan at the end of repayment the previous loan.


Halk Banka offers you attractive interest rate during the all tenor which will be suitable for you.

Loan terms

  • Interest rate - 5,70 % fixed interest rate for the first 2 years for the rest of the period variable i.r: referent interest rate for calculation legal interest rate form NBRM, which currently is 3,75% + 3,85 p.p, which makes 7,60% nominal interest rate (SVT 7,07%)
  • Amount - 750.000,00 MKD
  • Tenor - 95 months
  • Upfront fee -1,50% after approving
  • Fee for control in the Loan Register: 200,00 MKD ( the fee is paid before the payment of the loan and it is not paid for declined or canceled reguestes).
  • Collatera - No guarantor
  • Creditworthiness - according to monthly income.


May I use this loan for refinancing?

Yes one of the purposes for this loan is refinancing all existing loans in other banks.

May I use for closing my exposure of credit cards?

Yes one of the purposes for this loan is refinancing all existing credit cards in other banks.

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