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contact center:
(02) 3 296 800

Loan for pensioners

Loan purpose pensioners who receive their pension through an account with the Bank
Loan amount Up to 350,000.00 denars
Loan term Up to 4 years
Nominal interest rate 11.25% annual, variable with denar clause
Annual rate of total expenses (RTE) 13.34% 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 72 years with the last monthly instalment
  • Guarantors should be employed in companies acceptiable for the Bank. The age of the guarantors should not exceed 64 years for men or 62 years for women with the last monthly installment. For loans up to 100,000 denars guarantor is not required.
  • 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 denars
  • 300 denars for loan application and processingv
  • 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 
  • standing order on the applicant’s account
  • administrative ban on the guarantors salary for loan over 100,000 denars
  • draft and draft statement signed by the applicant and the guarantor
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Documents required
  • Loan application
  • Photocopy of a valid identification card
  • Тhe 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