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 | EUR in RSD equivalent at the NBS middle exchange rate on the loan disbursement date |
| Maturity | Up to 30 years |
| Grace period | Up to 12 months* |
| Down payment | Minimum 20,00% |
| Nominal interest rate | 2,50% do 2,70% + 6m Euribor** |
| (variable, p.a.) | |
| Approval fee | Without approval fee |
| 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.
| Bank name | HALKBANK a.d. Beograd |
| Salary transfer | Yes |
| Contract value | 100.000,00 EUR |
| Down payment 20,00% | 20.000,00 EUR |
| Loan amount | 80.000,00 EUR |
| Currency | EUR in RSD equivalent at the NBS middle exchange rate on the loan disbursement date |
| Annuity – amount of monthly obligation | 444,27 EUR |
| Maturity | 300 months |
| Nominal interest rate (yearly) | 2,50% + 6m Euribor* |
| Collateral | Promissory notes, mortgage, insurance |
| Approval fee | Without approval fee |
| Total price of the loan | 56.176,71 EUR |
| Total amount to be paid based on the loan agreement | 136.176,71 EUR |
| Other costs of collateral | 246,00 RSD - Credit Bureau for the borrower |
| 100,00 RSD - 2 promissory notes | |
| 12.000,00 RSD Estimation of real estate | |
| 1.200,00 RSD Cadastral map | |
| 10.080,00 RSD Registration of lien statement | |
| 71.140,00 RSD Mortgage registration | |
|
4.800,00 RSD Insurance 495,00 RSD Monthly fee for maintenance of current account (Gold) |
|
| Effective Interest Rate | 4,85% |
*Value of 6M EURIBOR on 29.07.2025. is 2,08%.
Representative example on 29.08.2025
Attention! Borrowing money includes costs.
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.
