General Information

General Information

Halkbank AD Skopje offers housing loans secured by a life insurance policy issued by Croatia Insurance - Life for all clients. You can use the loan for buying an apartment, buying a house and buying a business space, as well as refinancing your exposures to other banks on the basis of a housing loan. The insurance policy provides protection of your property as a result of non-pecuniary similarity, security of repayment and protection of the whole family.

Halkbank AD Skopje is a licensed agent for selling life insurance policies issued by Croatia Insurance - Life.



The loan secured by life insurance offered by Halkbank AD is fixed interest rate for the first 5 years, the repayment period is up to 30 years, the low rate of total loan costs, WITHOUT cost estimates, WITHOUT costs for approval and WITHOUT costs for early liquidation from own funds, as well as major reliefs in the collateral.

Loan Terms

Loan Terms

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period- Up to 12 months
  • Interest rate with salary :
    • 3,50% fixed for first three years,
    • 4,80% fixed for next two years, and
    • 5,80 p.p + variable interest rate of 6 month Euribor for the rest of the period (if Euribor rate is negative, percentage will be counted as 0%).  5,37% annual percentage rate of total costs (APR)
  • Interest rate without salary:
    • 7,00 p.p + variable interest rate of 6 month Euribor (if Euribor rate is negative, percentage will be counted as 0%)
  • Upfront fee : 1%.
  • Without cost for estimation.
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 1000 MKD per year for a period equal to the loan repayment period

(The client concludes Multiyear Insurance Agreement with the insurance company. The insured amount is defined in the policy)

  • Fee for control in the Loan Register: 200,00 MKD (the fee is paid  if the loan is approved).
  • Collateral-  Mortgage 1:1,17, promissory note and statement of promissory note
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Participation: minimum 15%.FAQMy monthly incomes are low can I have co debtor for my loan?

* 5,37% APR for loan amount of 50.000,00 EUR, variable interest rate of 5,80%, tenor 360 months, application fee 150 MKD, costs for checking in MKB 350 MKD and cost for insurance policy 1000 MKD.

** The amount of the annual percentage rate of total costs (APR) is affected by the loan repayment term, the loan amount, the amount of loan costs included in the calculation of the APR,  the amount of the contractual interest rate and the amount for insurance policy.



What is the amount of the policy?

The amount of the cost of the life insurance policy is subject to the tariff of Croatia Insurance - Life. The policy is paid one time before the payment of the loan.

What can a loan be used for?

The housing loan can be used to purchase a new apartment, buy a house and business premises as well as refinance existing loan in other banks

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