General

Characteristics of the product:

• The product can be opened by individuals who have inflows based on salary, pension or additional income with a folio number in Halkbank in the previous 90 days from the day of opening of the deposit
• Minimum amount of depositing: 3.000 MKD/ 50 EUR
• Payment of the interest: on the maturity day or monthly
• Type of interest rate: Fixed
• Tenor: 13 and 25 months
• Method of calculation of the interest: proportional method (28-31/365-6)
• Redepositing: not redepositing on the maturity date.
• Partial withdrawal: is not allowed before the expiration of the deposit period
• Additional investment: is allowed before the maturity day
• Early termination: in early termination of the contract of deposit, the Bank calculates interest with interest rate on demand according to the valid Decision for passive interest rates of the Bank for the whole time in which the funds were deposit. With monthly payment of interest, the depositor is obliged to return the difference between paid interest and new calculated interest to the Bank or the Bank will deduct from the deposit.

Rates

NOMINAL ANNUAL RATES FROM 03.06.2024

Interest rates: at maturity date or monthly