Interest Rate

10%

Max amount of the credit limit that is not included in the estimation of the exposure

3 salaries

Required documentation (salary in Halkbank)

• Credit Card Application
• Verification for employment and salary
• Copy of ID
• Standing Order

Collateral: For credit limit above 60.000,00 mkd, signed bill of draft and draft announcement

Required documentation (salary in other Bank)

• Credit Card Application
• Verification for employment and salary
• Copy of ID
• Copy of statement of transactional account for the last 3 months

Collateral: For credit limit above 60.000,00 mkd, signed bill of draft and draft announcement

Tariff

Credit Limit: Up to 300.000,00 MKD or higher approved by a special decision signed by the Board of Directors

Withdrawal of cash at ATM of Halkbank AD, Skopje: 2,5% min 150,00 denars

Withdrawal of cash at other banks ATM’s : 3% min. 200 denars>

Annual Fee for primary card: Free of charged for the first year, 1.200,00 mkd for the second year

Annual Fee for supplementary card: Free of charged for the first year, 600,00 mkd for the second year

Replacement of damaged card: 300.00 mkd.

Fee for urgent personalization of a card: 600,00 mkd.

Fee for late payment notification letters: 100,00 mkd.