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contact center:
(02) 3 296 800

Consumption loan up to MKD 300.000 for individuals that are not clients of the Bank

Consumption loan is intended for all creditworthy individuals with full-time employment in companies acceptable for the Bank that are not clients of the Bank (not receiving their salary on transaction account with the Bank) and have monthly income exceeding 15,000.00 denars.

Loan amount
from 10,000.00 up to 300,000.00 denars
Loan term
from 12 up to 60 months
Номинална каматна стапка
11,02% annual, variable with denar clause (reference interest rate of 1.98% increased for 9.04%, but not more than the legal penalty interest for denar claims, which currently stands at 10.5%) *
* 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 1.98%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK
Annual rate of total expenses (RTE)
12,11% 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 charge for early partial or full loan repayment
  • Monthly income exceeding 15,000.00 denars
  • monthly instalment should be 1/3 of the applicant’s monthly net-income;
  • The age of the Borrower should not exceed 70 years at the last monthly instalment
  • The age of the guarantors should not exceed 64 years for men or 62 years for women at the last monthly installment.
  • Maximum period for loan funds disbursement is 60 days from the date of loan approval
  • Loan funds are transferred to the borrower’s transaction account
Loan costs
  • 2% of the loan amount, minimum 500 denars
  • 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
  • Administrative ban on monthly salary
  • Draft and draft statement
  • without guarantors (upon workout of the credit analysis, the Bank may require additional security – one creditworthy guarantor)
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Documents required
  • Loan application
  • 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 AD Skopje shall keep its discretion right to reject the loan application.

*For more information please call +389 2 3168 -291

Contact persons

Natasa Baljuk Ristovska, Head of Loan Approval and Disbursement Unit
Phone: (+389 2) 3168-290
e-mail: natasa.baljuk.ristovska@kb.com.mk

Julijana Nikcevska, Loan Approval and Disbursement Control Officer
Phone: (+389 2) 3168-298
e-mail: julijana.nikcevska@kb.com.mk