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contact center:
(02) 3 296 800

30% / 50% deposit and real estate secured loan

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 amount Depends on the client’s creditworthiness and mortgage value
Loan term Up to 90 months
Nominal interest rate
  • 7.8% variable with denar clause, for loans with deposit of 30% (reference interest rate of 2.21% increased for 5.59%)*
  • 7.3% variable with denar clause, for loans with deposit of 50%  (reference interest rate of 2.21% increased for 5.09%)*
* 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) from 7.82% to 8.36% 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). 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
  • The creditworthiness shall be calculated for the part of the loan secured by mortgage
  • Monthly instalment should be 1/3 of the monthly salary.
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • Another 2 applicants may join the main loan applicant, who need not to be family related but must be creditworthy. When calculating the creditability of the co-borrowers that are not members of the closest family of the borrower, but receiving their salary on transaction account with the Bank, 100% of  co-borrowers’ free monthly incomes shall be taken into account. Otherwise, only 1/2 of co-borrowers free monthly incomes shall be taken into account.
Loan costs
  • 0.5% on the loan amount, minimum 500 denars
  • 400 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)
  • MKD 2.000,00 for property mortgaged evaluation (for each individual evaluation) 
  • Notary compensation for pledge agreement solemnity, in accordance with the Notary tariff 
  • Charges for registration of the lien in favour of the Bank in the appropriate public book
  • Charges for insurance policy for the pledge object against fundamental risks 
  • Administrative ban on salary
  • Pledge of non-interest bearing deposit (denar or FX)
  • Mortgage on real estate in value of 140% of the loan amount
  • Insurance policy of the pledged immovable property assigned in favour of the Bank, being renewed through the overall loan validity
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Documents required
  • Loan application
  • Copies of valid identity cards for all participants in the loan
  • 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)
  • Birth/marriage certificate evidencing relation with the co-applicants
  • Property specification sheet for the estate offered as security


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