Interest Rate

11.25%

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

3 salaries

Required documentation (salary in Halkbank)

For employees in public entities:

• Credit Card Application
• Verification for employment and salary and M1/M2
• Copy of ID
• Standing Order

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

For employees in public administration and AD :

• 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)

For employees in public entities:

• Credit Card Application
• Verification for employment and salary and M1/M2
• 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 and administrative lien for cards with approved limit over 60,000 mkd

For employees in public administration and AD :

• 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.