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contact center:
(02) 3 296 800

Consumer loan up to MKD 600.000, without guarantors

This loan is intended for all creditworthy individuals with full-time employment in public administration, diplomatic foreign representative offices in RM or in companies acceptable for the Bank, receiving their salary on transaction account with the Bank in the amount exceeding 18,000.00 denars and holding at least three retail banking products (debit card, credit card, saving deposit, loan, e-banking or SMS banking).
If the Applicant meets the criteria of the Bank, the loan shall be approved within 24 hours upon completion of documentation.

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 600,000.00 denars
Loan term
from 12 up to 90 months
Nominal interest rate
9.49% annual, variable with denar clause (reference interest rate of 1.95% increased for 7.54%)*
* 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 1.95%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK
Annual rate of total expenses (RTE)
10.45% 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 income exceeding 18,000.00 denars
  • 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
  • The age of the guarantors should not exceed 64 years for men or 62 years for women 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 borrower’s transaction account
Loan costs
  • 1,5% on 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 costs
  • administrative ban on monthly salary or standing order for companies which do not approve administrative ban
  • 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 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