General Information

General Information

Halkbank AD Skopje offers housing loans secured by a insurance policy package issued by Halk Insurance for all clients. You can use the loan for buying an apartment, buying a house and buying a business space, as well as refinancing your exposures to other banks on the basis of a housing loan. The insurance policy provides protection of your property as a result of non-pecuniary similarity, security of repayment and protection of the whole family.

The insurance policy package intended for insurance of consumer, mortgage and housing loans from HALKBANK is one whole, and contains the following coverage:

  • NO POSSIBILITY OF CREDIT RETURN - death for any reason, accidental death. (insured amount up to the loan amount)
  • ACCIDENT INSURANCE - permanent disability over 30% (insured amount up to 50.000 eur)

Halkbank AD Skopje is a licensed agent for selling insurance policies issued by Halk Insurance.



The loan secured by life insurance offered by Halkbank AD is with fixed interest rate for the first 10 years, the repayment period is up to 30 years, there is low rate of total loan costs, WITHOUT cost for estimatation, WITHOUT costs for approval and WITHOUT costs for early liquidation from own funds, as well as major reliefs in the collateral.

Loan Terms

Loan Terms

  • Amount - 140.000 EUR
  • Tenor - 360 months
  • Grays period - Up to 12 months
  • Interest rate with salary :
    • 3,2% 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%).  3,57% annual percentage rate of total costs (APR)
  • Upfront fee : 0%.
  • Without cost for estimation.
  • Fee for control in the Loan Register: 200,00 MKD (the fee is paid before the disbursement of the loan and it is not paid for declined or canceled requests). The amount of the insurance policy is defined in the tariff of Halk Insurance. 150 MKD – application fee. Promissory note.
  • 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 10%.

* 3,57% APR for loan amount of 50.000,00 EUR, interest rate 3,2% fixed for the first 10 years and variable interest rate of 4,00 pp + 6 motnhs euribor for the rest of the period, tenor 360 months, application fee 150 MKD, costs for checking in MKB 200 MKD. The insurance policy is not calculated in the APR mentioned above.

** 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 of the policy.



What is the amount of the policy?

The amount of the cost of the insurance policy package is subject to the tariff of Halk Insurance. The policy is paid each year for the duration of the loan.

What can a loan be used for?

The housing loan can be used to purchase a new apartment, buy a house and business premises as well as refinance existing loan in other banks

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