e-Banking
Zamanında ve uygun destek, her işletmenin başarısının anahtarıdır. Şubelerimiz aracılığıyla sunduğumuz geniş finansal ürün yelpazesi ile ücretsiz danışmanlık hizmetlerimizin birleşimi, bizi her işletme için güvenilir bir iş ortağı haline getirmektedir.
İşletme sermayesi kredilerinin amacı, mevcut ticari faaliyetlerin (hammadde ve mal alımı, devam eden üretimin finansmanı, mevcut likiditenin güçlendirilmesi) finanse edilmesi ve mevcut yükümlülüklerin yeniden yapılandırılmasıdır. İşletme sermayesi kredileri, müşteri iş döngüsüne uygun geri ödeme koşulları ve planlarıyla, 3 yıla kadar vade ile kullandırılabilir. Kredi tutarı ve geri ödeme süresi ihtiyaçlarınıza göre belirlenir.
Banka, işletme sermayesi finansmanı için aşağıdaki kredi türlerini sunmaktadır:
Daha falza bilgi için bizimle iltişime geçebilir veya size en yakın şubemizi veya ofisimizi ziyaret edebilirsiniz.
offers the possibility of an overdraft loan on your company’s account
The loan is automatically repaid with every inflow to the account on which the loan is approved
This loan represents an authorized overdraft of the company’s account, approved for a period of up to 12 months
up to 500,000 EUR
Type of interest rate: fixed annual interest rate for loans up to 12 months and variable annual interest rate for loans over 12 months;
Term: up to 60 months for loans up to 50,000 EUR; up to 120 months for loans over 50,001 EUR
up to 3,000,000 MKD
Repayment period: up to 84 months
You can apply for the Start-up loan at the nearest Halkbank branch/office.
The Bank offers credibility, expertise, and modern technology for fast, reliable, and efficient customer service.
The denar guarantee is the Bank’s obligation for unconditional payment, with types according to the clients’ needs.
Halkbank AD Skopje offers denar guarantees under competitive conditions for all business needs of its clients.
is a good way for exporters, especially for maritime transport.
The Bank, as an intermediary, enables the alignment of payment and receipt of documents.
Collection documents mean the purchase of documents presented through the Bank, by the importer.
The letter of credit is a flexible payment instrument
it can be adapted to the requirements of the contracting parties depending on their needs
Halkbank AD Skopje offers the possibility of using letters of credit under very competitive tariffs depending on the collateral offered by the clients.
When issuing the guarantee by the Bank in favor of the beneficiary, authentic SWIFT messages are sent.
Halkbank AD Skopje offers the possibility of using several types of bank guarantees.
The factoring loan is a loan for working capital.
Maximum maturity period up to 120 days.
The factoring loan enables your business to increase its competitiveness in the market.
aimed at the development of companies through long-term financing in investment projects
Loan tailored to the cash flow of your company
The loan amount, repayment period and dynamics, as well as the possibility of a grace period, are defined in accordance with the planned sources of financing.
Loan with equal monthly installments (up to 36 months) – denar loan, denar loan with foreign currency clause, foreign currency loan.
Revolving loan (up to 24 months) – denar loan, denar loan with foreign currency clause, foreign currency loan.
Your company may also use a working capital loan from the credit lines offered by the Bank.