General Information

General Information

Halkbank AD Skopje offers mortgage loans secured by a insurance policy package issued by Halk Insurance for all clients. You can use the loan as a long-term non-purpose loan, you can also use this type of loan to liquidate the entire credit exposure of another person in your family. 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 offered by Halkbank AD Skopje is at a favorable interest rate, low rate of total loan costs, as well as major collateral relief.

Loan Terms

Terms of credit

  • Amount: up to 140.000,00 EUR
  • Tenor: up to 300 months 
  • Interest rate : 
    • 3,50% fixed interest rate for the first 3 months
    • 5,5 p.p +6 month Euribor for the rest of the period (5,50% APR)
  • Upfront fee: 0% of the amount of the loan .
  • Fee for prepayment:
    For early repayment of the loan, the Bank calculates and collects a one-time fee in the amount of 3% of the value of the previously repaid amount, if the repayment is done by refinancing with a loan from another bank,  0% if the repayment is made from own funds. For each early repayment the user is obliged to notify the Bank 7 (seven) days before the payment date.The fee is charged if the Loan User has established a mortgage agreement of the next priority, for the duration of the Loan Agreement.The user is obliged to pay this fee immediately after receiving the calculation from the Bank.The competent persons of the Bank for liquidation of the loan are obliged to check the real estate through the Cadastre of the Republic of Macedonia with the latest property certificate the day after receiving the funds from the early repayment.
  • Loan costs: 350 MKD (the fee is charged before the payment of the loans and is not charged for rejected and canceled requests), 150 mkd application for loan , bill of exchange blanket, notary fees per notary tariff as well as assessment costs according to the bank's tariff.
  • The amount of the cost of the insurance policy package depends on the tariff of Halk Osiguruvanje AD Skopje and the individual parameters of the borrower. The policy is paid each year for the duration of the loan
  • Creditworthiness - Up to 1/2  of salary income with the possibility of co-debtor
  • Collateral -  Mortgages on real estate 1;1,3, bill of exchange and bill of exchange statement, Halk Insurance insurance policy package

* 5,50 % APR for loan amount of 50,000 EUR , with salary in Halkbank, variable interest rate of 3,50 % fixed IR and 5,5 p.p + 6 month Euribor for the rest of the period, tenor 95 months, application fee 150 MKD, costs for checking in MKB 350 MKD and cost for insurance policy package.

** 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 for insurance.

*** In the example the policy does not enter into the APR calculation



Is there a possibility for a co-applicant for a mortgage loan?

There is a possibility to include a co-applicant who should be in regular employment in JA, AD and financial institutions, as well as a good creditworthy private company that is acceptable for Halk Bank AD Skopje.

What is the amount of the policy?

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

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