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Denar loans and denar loans with FX clause

Types of loans
  • denar loans
  • denar loans with FX clause
  • Foreign currency loans in EUR (to export-oriented clients realizing their net FX inflows through their accounts with the Bank)
Purpose purchase of fixed assets and/or working capital
Loan terms      
repayment period up to 10 years
  grace period up to 2 years
Interest rate p.a.
  • from 5,5% to 10,0% p.a. annual
  • 2% p.a. annual for the loans secured by cash deposited with the Bank
Notice the interest rate depends on the creditworthiness of the client, regular servicing of the liabilities towards the Bank and the type and quality of the collateral offered
Fees from 0.05 % to 1.5% fee, paid one-off, on the disbursed loan amount, depending on the type of the loan, loan repayment period and loan repayment resources
Loan security the loan shall be secured by usual security instruments in accordance with the Bank’s Credit Policy (mortgage on real estate, pledge of movable property, bills of exchange etc.)
The newly established trade companies interested in long-term loans from the Bank’s resources or from the funds from any of the credit lines available through the Bank should submit evidence for provided minimum 50% investments from the total investments in the respective project

Contact persons

Ilija Mircevski, Chief Coordinator for Corporate Lending
Phone: (+389 2) 3168-504
Fax: (+389 2) 3247-468
e-mail: ilija.mircevski@kb.com.mk

Elena Spirovska, Manager of Agriculture Lending Department
Phone: (+389 2) 3168-509
e-mail: elena.spirovska@kb.com.mk