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contact center:
(02) 3 296 800

Loan through merchandisers


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

If you need financial assets for purchasing permanent consumption goods through retailers, this purpose identified denar loan is the right one for you.

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 costs for purchasing permanent consumption goods through retailers
Loan amount
From 10,000.00 up to 350,000.00 denars
Loan term
  • from 12 up to 48 months for loan from 10,000.00 up to 150,000.00 denars
  • up to 6 years for loan over 150,000.00 up to 350,000.00 denars
Nominal interest rate
  • 7.22% p.a. for borrowers receiving their salaries or pensions through transaction account with the Bank  (reference interest rate of 1,53% increased for 5.69%)*
  • 7.82% p.a. for other eligible individuals (reference interest rate of 1,53% increased for 6.29%)*
* 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 1,53%. 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 7.93% to 8.85% 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 1/2 of the borrower’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • The age of the guarantors should not exceed 64 years for men or 62 years for women with the last monthly installment.  
  • Maximum period for loan funds disbursement is 60 days from the date of loan approval
  • Loan funds are transferred on the transaction account of the retailer that issues the pro-forma invoice
Loan costs
  • 1% on the loan amount
  • 300 MKD 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 costs
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • administrative ban on salary
  • draft and draft statement
  • without guarantors for loan up to 150,000.00 denars
  • one guarantor for loan over 150,000.00 denars
Documents required
  • copies of valid identity cards
  • Pro-forma invoice from the retailer
  • 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

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