İşlem ücreti

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Avantajlı

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Hayat sigortası için

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General information

Halkbank AD Skopje offers dedicated housing loans for first purchase/construction of an apartment/house secured with a life insurance policy issued by Triglav Insurance – Life AD Skopje or an accident insurance policy issued by HALK Insurance AD Skopje.

The loan can be used for purchasing or building an apartment/house. The insurance policy provides protection of your property against the consequences of an accident, security in repayment, and protection for the whole family.

Advantages

Housing loan in denars, secured with life insurance or accident policy offered by Halkbank AD, with a repayment term of up to 30 years, low total loan cost rate, and NO fees for early repayment from own funds, as well as significant reliefs in collateral requirements.

The housing loan with foreign currency clause in EUR offered by Halkbank AD has a repayment term of up to 30 years, low total loan cost rate, and NO fees for early repayment from own funds, as well as significant reliefs in collateral requirements.

If you are purchasing real estate under construction, the Bank cooperates with the following construction companies.

Policy accident

For salary recipients in Halkbank AD Skopje or persons who will transfer their salary to Halkbank AD Skopje

Loan costs

    • 450 MKD - Credit Bureau check (the fee is charged before loan disbursement and is not charged for rejected or canceled applications)
    • 500 MKD - loan application,
    • Mandatory accident insurance policy from Halk Insurance AD Skopje
    • Promissory note form
    • Collateral: Mortgage on real estate, promissory note and promissory statement.
    • Fee for early loan repayment: For early repayment of the loan, the Bank calculates and charges a one-time fee of 3% of the prematurely repaid amount if repayment is made through refinancing with a loan from another bank, or 0% if repayment is made from own funds. For each early repayment, the borrower must notify the Bank 7 (seven) days before the payment date. The fee is charged if the borrower has established a mortgage agreement of subsequent priority during the loan agreement term. The borrower must pay this fee immediately upon receiving the calculation from the Bank. The Bank’s responsible staff for loan settlement must, the day after receiving the funds from early repayment, perform a check of the real estate through the Cadastre of RM with the latest property list.

On 01.01 of each year, the Bank will determine the variable interest rate as the sum of the applicable 6‑month Euribor rate on 01.12 of the previous year plus percentage points.

On 01.07 of each year, the Bank will determine the variable interest rate as the sum of the applicable 6‑month Euribor rate on 01.06 of the current year plus percentage points.

* 4.11% APR for a loan amount of 75,000 EUR, interest rate 3.2% fixed for the first 10 years, 5.123% variable for the remaining period, repayment term of 360 months, application fee of 500 MKD, Credit Bureau check fee of 450 MKD, and accident insurance policy cost of 3000 MKD.

* The annual percentage rate of total costs (APR) is influenced by the loan repayment term, loan amount, loan-related costs included in the APR calculation, the contractual interest rate, and the cost of the insurance policy.