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Contact           24/7
contact@kb.com.mk

contact center:
(02) 3 296 800

Loan through merchandisers


If you need financial assets for purchasing permanent consumption goods through retailers, this purpose identified denar loan is the right one for you.


This loan is intended for all creditworthy individuals who are full-time employees or pensioners who receive their pension through a transaction account with the Bank.



Loan purpose Payment of costs for purchasing permanent consumption goods through retailers
Loan amount From 8,000.00 up to 350,000.00 denars
Loan term
  • 4 years for loan from 8,000.00 up to 150,000.00 denars
  • 6 years for loan over 150,000.00 up to 350,000.00 denars
Nominal interest rate
  • 7.9% p.a. for borrowers receiving their salaries or pensions through transaction account with the Bank
  • 8.5% p.a. for other eligible individuals
Annual rate of total expenses (RTE) from 8.67% to 9.59% p.a. (RTE extent depends on the loan repayment period, loan amount, the amount of the loan costs that are included in the calculation of RTE and the extent of the nominal interest rate).
Early repayment Free of commission for early partial or full loan repayment
Criteria
  • Monthly instalment should be 1/2 of the borrower’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • The age of the guarantors should not exceed 64 years for men or 62 years for women with the last monthly installment.  
Disbursement
  • Maximum period for loan funds disbursement is 60 days from the date of loan approval
  • Loan funds are transferred on the transaction account of the retailer that issues the pro-forma invoice
Loan costs
  • 1% on the loan amount
  • 300 MKD for loan application and processing
  • Charges for the grace period interest (the grace period interest rate is calculated from the date of disbursement of funds till the date of commencement of repayment at interest rate equal to the interest rate of the loan)
  • Bill of exchange costs
Repayment
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Security
  • administrative ban on salary
  • draft and draft statement
  • without guarantors for loan up to 150,000.00 denars
  • one guarantor for loan over 150,000.00 denars
Documents required
  • Loan application
  • copies of valid identity cards
  • Pro-forma invoice from the retailer
  • For employees in private companies acceptable for the Bank, form PP53 (Declaration for receipt from PRA) for the previous three months and solvency of the giro account with the bank they are clients to (for clients of the Bank solvency is not required)
  • For pensioners – the latest pension cheque


Komercijalna Banka shall keep its discretion right to reject the loan application



Contact persons



Natasa Baljuk Ristovska, Head of Loan Approval and Disbursement Unit
Phone: (+389 2) 3168-290
e-mail: natasa.baljuk.ristovska@kb.com.mk

Julijana Nikcevska, Loan Approval and Disbursement Control Officer
Phone: (+389 2) 3168-298
e-mail: julijana.nikcevska@kb.com.mk