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contact center:
(02) 3 296 800

Tourist loan with EUR clause

NOTE: Due to the circumstances caused by the corona crisis (Covid-19), the Bank will not approve these products. Please, follow the link for the offer of loans that will be applied currently: OFFER OF LOANS FOR INDIVIDUALS APPLICABLE NOW

Komercijalna Banka AD Skopje approves loans for payment of costs for tourist travels in the country and abroad.

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 purpose
Payment of touring costs
Loan amount
from 200 up to 3,000 EUR (in denar counter value)
Loan term
from 12 up to 36 months
Nominal interest rate
5.9% annual, variable with denar clause (1- month EURIBOR + 5.9%, but not less than 5.9%)*
*The rate of 1-month EURIBOR shall be announced at each 31.12. and 30.06. at the web site of the Bank and shall apply for the current six-months period (until the end of the respective six-months period) LINK. If the rate is of negative value, its value shall be taken to be 0.00 when calculating the nominal interest rate.
Annual rate of total expenses (RTE)
6.71% 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 of the borrower’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • No guarantors
  • Another one applicant may join the main loan applicant, who need not to be family related but must be creditworthy.
  • Maximum period for loan funds disbursement is 30 days from the date of loan approval
  • Loan funds are transferred on the giro account of the tourist agency
Loan costs
  • 1,000 MKD one-time fee for approval and administration of the loan
  • 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)
  • Bill of exchange charges
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • Administrative ban on salary
  • draft and draft statement
Documents required
  • copies of valid identity cards for all participants in the loan
  • Birth/marriage certificate evidencing relation with the co-applicants
  • 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)
  • For pensioners – the latest pension cheque
  • Pro-forma invoice or invoice from a tourist agency from the Republic of Macedonia that has an A licence

Komercijalna Banka shall keep its discretion right to reject the loan application


*More information at:

Contact center:

+389 2 3296 800


or at  naselenie.krediti@kb.com.mk 

Contact persons

Natasa Baljuk Ristovska, Head of Loan Approval and Disbursement Unit
e-mail: natasa.baljuk.ristovska@kb.com.mk

Julijana Nikcevska, Loan Approval and Disbursement Control Officer
e-mail: julijana.nikcevska@kb.com.mk