General information

General information

Halkbank AD Skopje offers a consumer loan with insurance polıcy packgae for all clients. The insurance policy issued by Halk Insurance provides protection of your property in case of accident, 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.
  • ACCIDENT INSURANCE - permanent disability over 30%

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



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 1.500.000 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 insurance policy package 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 insurance policy package from of Halk Insurance
      (the amount of the fee for the policy package is up to the tariff of Halk Insurance 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 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 Halk Insurance. The policy is paid each year for the duration 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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