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contact center:
(02) 3 296 800

Loan for improvement of the energy efficiency 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

This loan is intended for all creditworthy individuals with full-time employment receiving their salary on a transaction account with Komercijalna banka AD Skopje.

Purpose of the loan
  • replacement of windows and outer doors
  • inserting thermo-isolation material on wall, floor and roof spaces
  • modernization of cooling and heating systems in residential buildings
  • purchase of energetic efficient household devices and appliances
Loan amount
from 200 up to 8,000 EUR (in denar counter value)
Loan term
from 12 up to 84 months
Nominal interest rate
4.9% per annum, variable (1- month EURIBOR + 4.9%, but not less than 4.9%)*
*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)
5.13% (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
  • the monthly instalment should be covered by 1/2 of the applicant’s monthly net-income
  • the age of the Borrower should not exceed 70 years on the maturity date of the last monthly instalment
  • 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 issuer of the pro-forma invoice
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 costs
Way of repayment
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • administrative ban on monthly salary or standing order for companies which do not approve administrative ban
  • draft and draft statement
  • without guarantors
Documents required
  • Loan application
  • photocopy of a valid identification card
  • pro-forma invoice or invoice of the legal entity
  • 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 gyro account with the bank they are clients to (for clients of the Bank solvency is not required)

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