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contact center:
(02) 3 296 800

Consumer loan of up to EUR 30,000.00 with EUR clause

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:

  • Full-time or part-time employees in public administration, in legal entities acceptable for the Bank and in diplomatic foreign representative offices, for whom receiving their salaries on their accounts with the Bank is not obligatory. The part-time employees need to have uninterrupted employment in that company of at least 12 months.
  • Pensioners receiving their pension on transaction account with the Bank, who have gained pension on other bases, not on the basis of fulfilled age limit as prescribed by law and who, at the final loan repayment term, are not older than 62 years for women and 64 years for men.

    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
    For full-time employees:
    From 350,00 to 30.000,00 ЕУР in denar equivalent
    For part-time employees:
    From 350,00 to 15.000,00 ЕУР in denar equivalent
    Loan term
    From 12 to 95 months 
    Nominal interest rate
    For borrowers who receive salary in KB:
    4.9% p.a., fixed for the first 2 years
    5.9% p.a., variable, for the rest of the loan repayment period (1- month EURIBOR + 5.9%, but not less than 5.9%)*
    For borrowers who do not receive salary in KB:
    5.9% p.a., fixed for the first year
    6.9% p.a., variable, for the rest of the loan repayment period (1- month EURIBOR + 6.9%, but not less than 6.9%)*
    *The rate of 1-month EURIBOR  shall be announced on each 31.12. and 30.06. on the web site of the Bank and shall apply for the current six-months period (until the end of the respective six-month 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)
    5,61% p.a. for loans to borrowers who receive their salary in KB
    6,89% p.a. for loans to borrowers who do not receive their salary in KB
    (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 at the last monthly installment
    • the Borrower should be a user of the e-banking service
    • for refinancing of an existing loan in KB, the amount of the newly approved loan should be minimum 30% higher than the amount of the loan to be refinanced.

    • 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 intercalary interest (the intercalary 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
    • draft and draft statement
    • for a loan of up to EUR 30,000.00 to full-time employees – no guarantor required (upon workout of the credit analysis, the Bank may require additional security – one creditworthy guarantor)
    • for a loan to part-time employees:
      • up to EUR 5,000.00 - no guarantor required
      • over EUR 5,000.00 to EUR 15,000.00 in denar equivalent – 1(one) creditworthy guarantor who is a full-time employee
    • monthly instalments
    • maturity of annuity - on the 16th day of each month
    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)
    • For pensioners - the latest pension cheque
    • M1/M2 form
    • for individuals who do not receive their salary in KB, statement of the transaction account for the last 6 months, issued by the bank where they receive their salary in.

    All regular loan applicants receiving salary in the Bank, with approved loan of minimum MKD 500,000.00, that service their instalments within maturity, shall be given a GIFT card of MKD 1,000.00 upon expiry of each year. For more information about the gift card go to the following link: https://www.kb.com.mk/Default.aspx?sel=2461&lang=2&uc=1

    Komercijalna Banka AD Skopje 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