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 |
| 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 | 5,03% until 31.12.2024. and after that 2,95% to 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.
| Contract value | 100.000,00 EUR |
| Down payment 30% | 30.000,00 EUR |
| Loan amount | 70.000,00 EUR |
| Annuity – amount of monthly obligation | EUR 405,86 until 31.12.2024. and after that 468,83 EUR |
| Maturity | 25 years |
| Nominal interest rate | 5,03% fixed until 31.12.2024. and after that 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 | 140.334,17 EUR |
| Effective Interest Rate | 6,93% |
*Value of 6M EURIBOR on 28.06.2024. is 3,86%.
Representative example on 24.07.2024.
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.
