Interest Rate

10.50%

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 and M1/M2
• 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 100.000,00 MKD 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: Visa Cllasic free of charged for the first 3 years, 1.200,00 mkd annualy; VISA up to 3 years, GOLD 1800,00

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: No fee

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