With salary in Halkbank;

If you want to have a car of your dreams Halk Banka offers you a car loan with attractive interest rates



Halk Banka has the best car loans without guarantors that will fit your budget and your needs. Now you can get your car, you can make your payment in the long run.

Rates and fees


  • Amount: 75.000 EUR
  • Tenor: up to 95 month
  • Interest rate: 5,80% fixed for the first year, the rest of the period 6,80% variable + 6 month Euribor (APR 6.74%)
  • Upfront fee: 0% for client with salary in HB, 2,00% for other client
  • Loan costs: 350 MKD (the fee is charged prior to the disbursement of the loan and is not charged for declined and cancelled requests), 150 mkd for loan application, promissory note, mandatory notarization according to the notary tariff, Casco policy in favor of the Bank according to the tariff of the insurance company chosen by the borrower.
  • Creditworthiness - 1/2 of the monthly income of the client
  • Own participation
    • 0% for vehicle up to 12.000 EUR
    • 20% for vehicle above 12.000 EUR

* 6,74 % APR for loan amount of 20,000 Eur , interest rate variable 6,80 %, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 MKD

** The tenor of the loan , the amount of the loan, the amount of the loan costs included in the calculation of the APR and the amount of the contractual interest rate affect the amount of the annual percentage rate of total costs (APR).


Do I need a guarantor for my car loan?

You don't need a guarantor for your car loan. All you have to do is to full the application form and get your loan.

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