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Contact           24/7
contact@kb.com.mk

contact center:
(02) 3 296 800

Bond secured loan




 

Bonds as security instrument

Bonds as source of repayment

 

for creditworthy individuals, citizens of RM, with full-time employment, who pledge bonds

For individuals, citizens of R, who do not have to be with full-time employment, and who pledge bonds

Loan amount

Depending on the nominal value of the bonds and the creditworthiness

Depending on the nominal value of the bonds

Loan term

Up to the maturity term of the last installment of the bonds

Equal to the maturity term of the last installment of the bonds

Nominal interest rate

8.5% annual, variable with denar clause

8.5% annual, variable with denar clause

Annual rate of total expenses (RTE)

8.97% annual

from 8.62% to 8.81% annual

(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). Notary costs, the costs for registration of the lien in the appropriate public register and the costs of insurance of the pledged immovable property against fundamental risks are not included in the calculation of RTE and are on the account of the borrower

Early repayment Free of commission for early partial or full loan repayment
Criteria
  • 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
 
  • Another 2 applicants may join the main loan applicant, which do not have to be family related but have to be creditworthy.
 
Disbursement
  • 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
  • 0.5% 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)
  • Notary compensation for pledge agreement solemnity, in accordance with the Notary tariff 
  • Charges for registration of the lien in the appropriate public book
Security
  • administrative ban on salary
  • notarized agreement for pledge of bonds
  • authorization issued by the owner of the bonds, according to which the Bank, as pledge, is authorized to collect the due interest and principal under the bonds pledged until full repayment of the loan
  • notarized agreement for pledge of bonds
 

the nominal value of the bonds has to be 280% of the loan amount, together with the interest calculated at the interest rate applicable at the date of approval

the nominal value of the bonds has to be 170% of the loan amount

Documents required
  • Loan application
  • copy of a valid identity card
  • report from Central Securities Depository


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