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contact center:
(02) 3 296 800

Draft secured loan without guarantor


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 who are full-time employees who receive their salary through a transaction account with the Bank.

APPLY ONLINE – For users of the e-banking service, who have enabled option to execute payments, the Bank allowed faster and easier procedure for online applying for a loan.


Loan amount
from 10,000.00 up to 300,000.00 denars
Loan term
from 12 up to 66 months
Nominal interest rate
10.57% annual, variable with denar clause (reference interest rate of 1.53% increased for 9.04%, but not more than the legal penalty interest for denar claims, which currently stands at 9.5%) *
* 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)
10.91% 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 applicant’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
  • No guarantors
  • Maximum period for loan funds disbursement is 60 days from the date of loan approval
  • Loan funds are transferred on the borrower’s transaction account
Loan costs
  • 2% on the loan amount, minimum 500 MKD
  • 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 charges 
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
  • Administrative ban on salary
  • Draft and draft statement
  • Upon the credit analysis made, the Bank may require additional collateral security – creditworthy guarantor whose one third of the total monthly income will cover the monthly loan instalment.
Documents required
  • Photocopy of a valid identification card
  • 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)

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


More information at:

Contact center:

+389 2 3296 800


or at potrosuvacki.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