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Contact           24/7

contact center:
(02) 3 296 800

Draft secured loan without guarantor

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

Loan amount

Up to 300,000.00 denars

Loan term Up to 66 months
Nominal interest rate 11.25% annual, variable with denar clause
Annual rate of total expenses (RTE) 12.87% 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
  • Monthly instalment should be 1/3 of the applicant’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • No guarantors
  • Maximum period for loan funds disbursement is 60 days from the date of loan approval
  • Loan funds are transferred on the borrower’s transaction account
Loan costs
  • 2% on the loan amount, minimum 500 MKD
  • 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 charges 
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • Administrative ban on salary
  • Draft and draft statement
  • Upon the credit analysis made, the Bank may require additional collateral security – creditworthy guarantor whose one third of the total monthly income will cover the monthly loan instalment.
Documents required
  • Loan application
  • Photocopy of a valid identification card
  • 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)

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