HALKBANK approves housing loans to retail clients with regular salaries or pensions paid to their current account with HALKBANK. Loans are disbursed for the purchase, construction, extension or adaptation of residential premises.
| Amount | Depending on the borrower’s creditworthiness Minimal amount of the loan is EUR 20.000,00 |
| Purpose | Purchase, construction, extension and adaptation of residential premises |
| Loan currency | RSD loan indexed in EUR |
| Indexing criterion | EUR –NBS middle exchange rate |
| Maturity | Up to 25 years |
| Grace period | Up to 12 months* |
| Down payment | Minimum 30,00% |
| No down payment if the loan amount does not exceed 70,00% of the value of real estate which is subject of mortgage | |
| Nominal interest rate | 2,95% do 3,25% + 6m Euribor** |
| (variable, p.a.) | |
| Front-end fee | 0,30% |
| Collateral | 2 blank promissory notes |
| First mortgage on real estate in favour of the Bank | |
| Insurance of real estate on construction value against basic risks and additional risks of water spillage, assigning the insurance policy in favour of the Bank |
* loans for contruction/adaptation of residential premises
** Amount of monthly annuity is adjusted twice a year with 6m EURIBOR.
** Bank take into consideration limitation of the interest rate determined by the Decision of the temporary limitation of interest rates in loan agreements concluded with retail users (’’Sl. glasnik RS’’ br.102/2024) which is prescribed that by December 31st 2025, the variable interest rate for this type of the loan cannot be applied in a value higher than 5% per year.
| Contract value | 100.000,00 EUR |
| Down payment 30% | 30.000,00 EUR |
| Loan amount | 70.000,00 EUR |
| Annuity – amount of monthly obligation | 404,69 EUR until 31.12.2025. after that EUR 429,73** |
| Maturity | 300 months |
| Nominal interest rate (yearly) | 2,95% + 6m Euribor* |
| Collateral | Promissory notes, mortgage, insurance |
| Approval fee | 0,30% |
| Other costs of collateral | 246,00 RSD - Credit Bureau for the borrower |
| 100,00 RSD - 2 promissory notes | |
| 14.000,00 RSD Estimation of real estate | |
| 550,00 RSD Cadastral map | |
| 17.280,00 RSD Registration of lien statement | |
| 65.140,00 RSD Mortgage registration | |
|
3.500,00 RSD Insurance 495,00 RSD Monthly fee for maintenance of current account (Gold) |
|
| Total amount to be repaid | 128.615,65 EUR |
| Effective Interest Rate | 5,89% |
*Value of 6M EURIBOR on 28.11.2024. is 2,71%.
Representative example on 31.12.2024.
**Bank take into consideration limitation of the interest rate determined by the Decision of the temporary limitation of interest rates in loan agreements concluded with retail users (’’Sl. glasnik RS’’ br.102/2024) which is prescribed that by December 31st 2025, the variable interest rate for this type of the loan cannot be applied in a value higher than 5% per year.
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.
