If you need additional cash and/or you want to refinance your current obligations, HALKBANK a.d. Beograd offers you a dinar loan with a variable interest rate and maturity up to 71 months, with no down payment and with a fast and simple approval procedure. You can get the loan regardless of whether you receive your salary through a HALKBANK current account or not.
Depending on the borrower’s creditworthiness. Maximum amount: 3.000.000 RSD
RSD
No deposit / no downpayment
Up to 71 months
1,00% - 2,00%
Monthly annuities
Depending on the borrower’s creditworthiness.
| Nominal interest rate (p.a., variable) | |
| With salary transfer | 8,00% + 6M BELIBOR |
| Without salary transfer | 9,00% + 6M BELIBOR |
| Elements | With salary transfer | Without salary transfer |
| Loan amount | 1.000.000,00 RSD | 1.000.000,00 RSD |
| NIR (p.a., variable) | 8,00 % + 6M BELIBOR* | 9,00 % + 6M BELIBOR+ |
| Maturity | 71 | 71 |
| Monthly annuity | 20.142,98 RSD | 20.611,15 RSD |
| Front-end fee | 1,00% (10.000 RSD) | 2,00% (20.000 RSD) |
| Total amount to be repaid | 1.430.152,07 RSD | 1.463.391,54 RSD |
| Other costs | 246,00 RSD Credit bureau 50,00 RSD Promissory note | 246,00 RSD Credit bureau 50,00 RSD Promissory note |
| Collateral | Promissory note | Promissory note |
| EKS | 14,64% | 15,45% |
*Value of 6M BELIBOR on 28.06.2024. is 5,55%.
Representative example on 26.07.2024.
Term of service of the applicant must be minimum six months with the latest employer.
