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contact center:
(02) 3 296 800

Loan for pensioners

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 purpose
pensioners who receive their pension through an account with the Bank
Loan amount
from 10,000.00 up to 350,000.00 denars
Loan term
from 12 up to 48 months
Nominal interest rate
10.77% annual, variable with denar clause (reference interest rate of 1.73% increased for 9.04%, but not more than the legal penalty interest for denar claims, which currently stands at 10.25%) *
* 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 1.73%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK
Annual rate of total expenses (RTE)
12.05% 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 72 years with the last monthly instalment
  • Guarantors should be employed in companies acceptiable for the Bank. The age of the guarantors should not exceed 64 years for men or 62 years for women with the last monthly installment. For loans up to 100,000 denars guarantor is not required.
  • 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 denars
  • 300 denars for loan application and processingv
  • 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 
  • standing order on the applicant’s account
  • administrative ban on the guarantors salary for loan over 100,000 denars
  • draft and draft statement signed by the applicant and the guarantor
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Documents required
  • Photocopy of a valid identification card
  • Тhe 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 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