Buying a house is the most important investment you will make throughout your life. Halk Banka is offering the best housing loans that best fits your budget and your needs.

Halkbank AD Skopje offers housing loans to individuals - full-time employees. You can use the loan to buy an apartment and buy a business premises, as well as refinance your exposure in other banks. Halkbank AD Skopje offers affordable housing loans that suit your needs.

If you are buying property under construction, the Bank cooperates with the following construction companies (.pdf document).



Halk Banka offers you the best solutions with highly specialized team to our customers who want to buy homes. Halk Banka offers you housing loan with fixed interest rate for the first 10 years and with tenor up to 30 years, without upfront fee, without cost for estimation.

Rates and fees

Loan terms

  • Amount - 200.000 EUR
  • Tenor - 360 months
  • Grays period - Up to 12 months
  • Interest rate with salary :
    • 3,3% 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%).  3,68% annual percentage rate of total costs (APR)
  • Upfront fee : 1%.

Promotional: 0% upfront fee up to 30.06.2021

  • Without cost for estimation.
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 1000 MKD per year for a period equal to the loan repayment period

(The client concludes Multiyear Insurance Agreement with the insurance company. The insured amount is defined in the policy)

  • Fee for control in the Loan Register: 200 MKD (the fee is paid before the disbursement of the loan and it is not paid for declined or canceled requests), 150 MKD application fee, promissory note, notary expenses.
  • 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 15%.

 * 3,68% APR for loan amount of 50.000 EUR, interest rate 3,3% fixed for the first 10 years, and variable interest rate of 4,00 p.p + 6 month Euribor for the rest of the period, tenor 360 months, application fee 150 MKD, costs for checking in MKB 200 MKD and cost for insurance policy 1000 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 for insurance policy.



My monthly incomes are low can I have co debtor for my loan?

Halk Banka gives you all oportunuties for your needs and gives you the possibility to have a co debtor for your loan.

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