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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 life

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

Amount: up to 400,000 EUR
Maximum term: up to 360 months
Grace period: up to 12 months
Interest rate:2.9% fixed interest rate for the first 10 years

2.5 percentage points + 2.123% variable rate based on the 6-month EURIBOR for the remaining period (4.623%), but not lower than 4.5%.

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

If the 6‑month Euribor is negative, it is calculated as equal to 0.
Loan processing fee: 0% of the loan amount;
Participation: minimum 10% participation;
Creditworthiness: up to 50% of monthly income (with possibility of co‑borrowers);

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,
  • Cost for life insurance policy issued by Triglav Insurance – Life AD Skopje with the option of single or monthly premium payment for life insurance (the cost of the policy depends on the tariff of Triglav Insurance – Life AD Skopje and the individual parameters of the loan user)

Life insurance
options

Ризико осигурување на живот на корисници на кредит со еднократна уплата на премија

  • The premium amount is determined based on the loan amount issued and the age of the loan user, in accordance with the tariff of the insurer Triglav Insurance Life AD Skopje.
  • The insured sum can range from 60% to 100% of the disbursed housing loan and decreases annually, according to the loan amortization plan.
  • At the client’s request, another person connected to the loan as guarantor / co-signer / co-borrower may be included in the policy.
  • Minimum loan participation 10%.

Ризико осигурување на живот на корисници на кредит со месечна уплата на премија

  • The premium amount is determined based on the loan amount issued and the age of the loan user, in accordance with the tariff of the insurer Triglav Insurance Life AD Skopje.
  • The insured sum can range from 60% to 100% of the disbursed housing loan and decreases annually, according to the loan amortization plan.
  • At the client’s request, another person connected to the loan as guarantor / co-signer / co-borrower may be included in the policy.
  • Minimum loan participation 10%.

Осигурување на живот со фиксна осигурена сума во случај на смрт со 30% поврат на платената премија на истек на полисата

  • The insured sum can be equal to or up to 60% of the disbursed housing loan and remains fixed for the entire loan term. Upon survival and repayment of the housing loan, the client receives a refund of 30% of the paid premium.
  • Monthly premium payment, the insurance becomes valid from the first installment paid;
  • In case of death of the insured during the insurance period, the insurer undertakes to pay the insured sum for death to the Bank regardless of the number of installments paid.
  • Minimum loan participation 10%

Осигурување на живот со штедење со двојна осигурена сума во случај на смрт за кредити со рок на отплата до 25 години

  • The insured sum can be equal to or up to 60% of the disbursed housing loan and remains fixed for the entire loan term. Upon survival and repayment of the loan, the client receives a refund amounting to 50% of the insured sum.
  • Monthly premium payment, the insurance becomes valid from the first installment paid;
  • In case of death of the insured during the insurance period, the insurer undertakes to pay the insured sum for death to the Bank regardless of the number of installments paid.
  • Minimum loan participation 10%

* 3.61% APR for a loan amount of 75,000 EUR, interest rate 2.9% fixed for the first 10 years, 4.563% variable for the remaining period, repayment term of 360 months, application fee of 500 MKD, Credit Bureau check fee of 450 MKD. *In the stated APR example, the life insurance policy is not included in the calculation.

** 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.

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