General information

General information

Halkbank AD Skopje for the first time offers a consumer loan with life insurance for all clients. The insurance policy issued by Croatia Insurance – Life provides protection of your property in case of accident, security of repayment and protection of the whole family.

Halkbank AD Skopje is a licensed agent for selling life insurance policies issued by Croatia Insurance - Life.



For this type of clients, Halkbank AD Skopje offers a fixed interest rate for the first 2 years with a repayment period of up to 120 months, WITHOUT costs for approval and WITHOUT costs for early liquidation of the loan. This type of loan can be used for your current needs, and also for refinancing existing loans from other banks.

Terms of use

Terms of credit

  • Amount: up to 1.200.000 MKD
  • Tenor: up to 120 months
  • Creditworthiness: according to monthly income
  • Interest rate – 5,00% fixed for the first two year, for the rest of the period  7,75 % variable  i.r. defined as:  5,5 p.p  + referent rate for calculation legal interest rate form NBRM, which currently is 2,25%  ( 6,9% APR). * the life insurance policy is not calculated in APR
  • Upfront fee: 0%
  • Fee for prepayment: 0%
  • Fees for the loan :
    • fee for control in the Loan Register: 350 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled requests),
    • fee for loan application: 150 mkd
    • The amount of the cost for life insurance policy from of Croatia Insurance – Life AD Skopje

      (the amount of the fee for the policy is up to the tariff of Croatia Insurance – Life and personal parametars of the client) .

* 6,9% APR for loan amount of 600.000 MKD, interest rate variable  7,75%, tenor 120 months, application fee 150 MKD and costs for checking in MKB 350 MKD.

** 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 life insurance.

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



What is the amount of the policy?

The amount of the cost of the life insurance policy is subject to the tariff of Croatia Insurance - Life. The policy is paid one time before the payment of the loan.

What age can I apply for a life insurance loan?

Access age for loan application with life insurance is not older than 65 years.

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