General

General

Buying a house is the most important investment you will make throughout your life. Halk Banka is offering the best housing loans that best fits your budget and your needs.

Halkbank AD Skopje offers housing loans to individuals - full-time employees. You can use the loan to buy an apartment and buy a business premises, as well as refinance your exposure in other banks. Halkbank AD Skopje offers affordable housing loans that suit your needs.

If you are buying property under construction, the Bank cooperates with the following construction companies:

  • Turmak AD Skopje/Dzevahir Grup AD Skopje  
  • LIMAK DOO SkopjeЛимак Доо Скопје
  • ADSDP
  • ADORA INZENERING DOOEL Skopje
  • FОРТОНМКА Invest Doo
  • NASTEL dooel  Skopje,
  • GOLDEN ART DOO export-import Skopje,,
  • DABAR Dooel export-import Skopje,
  • SMS Shop,
  • ZSF Dooel,
  • DGU PELISTER – BITOLA DOO,
  • TAR INZENERING,
  • TIM INZENERING,
  • KAT KOSTOV,
  • HRISING – FS DOOEL/LUTARIKO DOOEL,
  • KAPITOL INZENERING DOO Skopje,
  • TRIM export import Ohrid DOO,
  • Fabrika KARPOSH AD Skopje,
  • DVA BRATA GRADITELI DOO Skopje,
  • MEGA D.O.O export-import Kumanovo,
  • HANTERS DOO export-import Skopje,
  • KODEKS KOMPJUTERI DOO Kavadarci 1619
  • DEVOMAK DOO Gevgelija
  • LINEA DOOEL Skopje
  • GRADBA PROMET DOO Kavadarci
  • PELAGONIJA AD Gostivar
  • LE-GO INZINERING LTD DOOEL Skopje
  • VEL SITI GRUP DOO Veles
  • DEA-KOM DOO GOSTIVAR
  • BETON AD Skopje
  • BISI DOOEL Skopje
  • BOKA RATON INZENERING DOO Skopje
  • GLOBAL BALKAN DVA DOOEL Gostivar
  • KRMZOV-MR DOOEL Strumica
  • GLIC DOOEL Kicevo 
  • VIGO INVEST DOOEL Bitola
  • BAUER BG Doo Skopje/ MEDIUM CONSALTING PRO DOOEL Skopje
  • ING A4 DOOEL Struga
  • ELENA LUKA HOME DOOEL Skopje/ZIKOL DOO
  • DIG DOM INVEST grup DOOEL Stip
  • ICE LABS Doo
  • EUROGRADBA 2015 Doo Stip
  • LIKUFIKS DOOEL Kicevo
  • ELMA GRADBA Dooel Debar
  • Dragi Kom Dooel
  • TRGOCEMENT Doo
  • PANTER BUILDING Dooel
  • ALEKSIS 3 Dooel Skopje
  • Aksis Konsalting Dooe Strumica
  • 2B Invest Grup Dooel Stip
  • DELTA GRADBA ING Doo Kocani
  • SVISS GROUP SOLUTIONS Doo Tetovo
  • ROCEL Dooel Bitola
  • SARA 4 Sonja Dooel
  • TEKNOPOINT Dooel Debar
  • NG INZINERING Dooel Skopje
  • TD At&t Doo Ohrid
  • Eurobilding 2012 Dooel Ohrid
  • Tk-Inzenering Doo Skopje
  • Rojal Vase Dooel Skopje
  • Granap GNP Dooel Skopje
  • Evro stil M Strumica
  • Ranvej Inzenering Doo Strumica
  • DDM Inzenering Doo Ohrid
  • Prostor Doo Kumanovo
  • KAT-ING Gradba Doo Skopje
  • SANIK Inzenering Dooel/Marai Dooel
  • AGRO PRODZEK Veljanovi Dooel Skopje
  • AKSIOS 21 Dooel Skopje
  • UPM Grup Dooel / Hronomak Dooel Kumanovo
  • Mak Stroj Dooel Bitola
  • Bis Oil Doo Skopje
  • Globocki Dooel Skopje
  • Integra Konstarkshn Doo Gevgelija
  • MGI Invest LTD Dooel Skopje
  • Spektartermo Doo Skopje
  • Trpe Invest - Ohrid
  • Bekom Invest Dooel Bitola/Lapor Dooel Bitola
  • Toil Strukture Doo Skopje
  • Binjapi Inzenering Dooel Skopje 
  • Apeks Investment Dooel Skopje
  • Statik Grup Doo
  • Hamer Konstraction Doo Skopje
  • Aleksander Investment dooel
  • Boston Konstraksn Doo
  • Impeksel 2 Dooel
  • Evrogradba Inzenering Dooel Vasilevo
  • Emi Dooel Kicevo
  • B-oil Tetovo
  • Deni Internacional Strashko DOOEL
  • Monolit Grup DOO Shtip
  • Ribnici Rajska Gradina DOO Shtip
  • Darvage Dooel Skopje (owner: Dario Gechevski)
  • Pandev Dooel
  • BI Holding.
  • TP Fine Doo
  • Moding Dooel
  • BI Holding.
  • Global Impakt
  • Saf
  • Kolbiko
  • Platinum Grup
  • Cile Inzenering
  • M3
  • Intersoft
  • Balkan Gradba
  • Ka plus
  • Atlantis Invest Grup Doo
  • Planum
  • Gres Keramika Dooel
  • Sprina DOO Gevgelija
  • JIS Kompani Doo Debar
  • Elkom Dooel Strumica
  • Planum Dooel
  • Helga kompani
  • II Eki Kompani   Inzenering dooel Skopje
  • Boming Doo Skopje
  • SV Invest Dooel Bitola
  • Olimpik Dooel
  • Instalacija dooel
  • Bonanca
  • Galab
  • Dugojon
  • Bos Boj Inzenering
  • Infero
  • Celeski eden dooel
  • Linea
  • Atik/Premium pivo


Benefits

Benefits

Halk Banka offers you the best solutions with highly specialized team to our customers who want to buy homes. Halk Banka offers you housing loan with fixed interest rate for the first 10 years and with tenor up to 30 years, without upfront fee, without cost for estimation.

Rates and fees

Loan terms

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period - Up to 12 months
  • Interest rate with salary :
    • 3,3% fixed for first 10 years,  
    • 4,00 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%).  3,68% annual percentage rate of total costs (APR)
  • Upfront fee : 1%.

Promotional: 0% upfront fee up to 31.12.2020

  • 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 MKD (the fee is paid before the disbursement of the loan and it is not paid for declined or canceled requests), 150 MKD application fee, promissory note, notary expenses.
  • Collateral-  Mortgage, promissory note and statement of promissory note
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Participation: minimum 15%.

 * 3,68% APR for loan amount of 50.000 EUR, interest rate 3,3% fixed for the first 10 years, and variable interest rate of 4,00 p.p + 6 month Euribor for the rest of the period, tenor 360 months, application fee 150 MKD, costs for checking in MKB 200 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.

FAQ

FAQ

My monthly incomes are low can I have co debtor for my loan?

Halk Banka gives you all oportunuties for your needs and gives you the possibility to have a co debtor for your loan.

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