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contact center:
(02) 3 296 800

Loan for improvement of the energy efficiency

This loan is intended for all creditworthy individuals with full-time employment receiving their salary on a transaction account with Komercijalna banka AD Skopje.

Purpose of the loan
  • replacement of windows and outer doors
  • inserting thermo-isolation material on wall, floor and roof spaces
  • modernization of cooling and heating systems in residential buildings
  • purchase of energetic efficient household devices and appliances
Loan amount to 300.000,00 denars
Loan term 5 years
Nominal interest rate

8,5% per annum, with denar clause (reference interest rate of 2.21% increased for 6.29%)*

* The reference interest rate shall be the rate announced and available on the web site of NBRM (www.nbrm.mk) each 25.06. and each 25.12. under the name “interest rate for denar deposits without currency clause” and shall apply for the current six-months period (until the end of the respective six-months period). Current applicable reference interest rate is 2.21%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK 

Annual rate of total expenses (RTE)
9,41% (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
  • the monthly instalment should be covered by 1/2 of the applicant’s monthly net-income
  • the age of the Borrower should not exceed 70 years on the maturity date of the last monthly instalment
  • 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 issuer of the pro-forma invoice
Loan costs
  • 1% on the loan amount, minimum 500 denars
  • 300 denars 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
Way of repayment
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • administrative ban on monthly salary or standing order for companies which do not approve administrative ban
  • draft and draft statement
  • without guarantors
Documents required
  • Loan application
  • photocopy of a valid identification card
  • pro-forma invoice or invoice of the legal entity
  • 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 gyro account with the bank they are clients to (for clients of the Bank solvency is not required)

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