Loans are approved to natural persons for purchase of products and services from the companies with which the Bank has concluded a cooperation agreement.
These loans can be used for the following:
In cooperation with its partners, HALKBANK approves special conditions for energy efficiency loans. The following companies offer you their services:
Depending on the borrower’s creditworthiness
EUR in RSD equivalent at the NBS middle exchange rate on the loan disbursement date
Up to 71 months
Min. 30% of Pro-Forma Invoice / Invoice amount
3,70% + 6M EURIBOR
1,50% of the loan amount, in a lump sum
Depending on credit indebtedness
| Bank | HALKBANK a.d. Beograd |
| Salary transfer | No |
| Pro-Forma Invoice/Invoice amount | 3.000,00 EUR |
| Down payment (Min. 30% of Pro-Forma Invoice/Invoice amount | 900,00 EUR |
| Loan amount | 2.100,00 EUR |
| Nominal interest rate (p.a.) | 3,70% + 6M EURIBOR* |
| Currency | EUR in RSD equivalent at the NBS middle exchange rate on the loan disbursement date |
| Repayment term | 36 months |
| Monthly annuity | 64,50 EUR |
| Total price of the loan | 185,89 EUR |
| Total amount to be repaid | 2.285,89 EUR |
| Front-end fee 1,50% | 31,50 EUR |
| Collateral | Promissory note |
| Other costs | 246,00 RSD Credit Bureau |
| 50,00 RSD promissory note | |
| EIR (p.a.) | 6,89% |
Representative example on 09.07.2025.
*Value of 6M EURIBOR on 27.06.2025. is 2,04%
Attention! Borrowing money includes costs.
Loans are disbursed by payment of funds to the current account of the service provider.
EURIBOR (Euro Interbank Offered Rate) is a reference rate established by the European Interbank Market. It is a daily average on which prime European banks lend uninsured funds to one another.
With loans with currency clause, 30% of obligatory down payment is intended for accompanying costs.
