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contact center:
(02) 3 296 800


Consumer loan up to EUR 15.000, with EUR clause

 This loan is intended for all new or existing creditworthy clients of the Bank 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, having realized their right on pension under other basis, and not under fulfillment of the legally prescribe age limit. The applicants’ salary/pension should be in the amount exceeding 12,000.00 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


Loan amount from 350.00 up to 15,000.00  euro (in denar counter value)
Loan term from 12 up to 90 months
Nominal interest rate
Fixed 6% p.a. for the first year,
annual, variable, for the rest of the loan period (1- month EURIBOR + 7.6%, but not less than 7.6%)*
*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) 7.49% 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 12.000.00 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 with the last monthly instalment, except for Borrowers - pensioners where the age should not exceed 64 years for men or 62 years for women with the last monthly installment.

  • 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


  • 2,000.00 denars fee for loan approval and administration
  • 300.00 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 or standing order for companies which do not approve administrative ban
  • standing order for applicants pensioners
  • 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)
  • For pensioners - the latest pension cheque

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

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