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contact center:
(02) 3 296 800

Deposit secured loan


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

All adult creditworthy individuals with pledge of denar or foreign currency deposit at the Bank can apply for this loan.

Loan amount
  • 95% of the amount of the deposit if the deposit is in denars, but not less than 10,000.00 denars 
  • 90% of the amount of the deposit if the deposit is in another currency, but not less than 10,000.00 denars  
Loan term
  • for loans secured with deposit in denars or euros:
    from 12 up to 120 months for loans up to 10.000 euro in denar counter value or from 12 up to 180 months for loans over 10.000 euro in denar counter value.
  • for loans secured with deposit in other currencies:
    from 12 up to 90 months.
Nominal interest rate
2% annual, fixed with denar clause
Annual rate of total expenses (RTE)
2.12% 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
The applicant need not to be employed and there are no limitations regarding the maximum age of the applicant and the monthly income.
  • 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
  • 0.5% of the loan amount up to 3,000,000.00 denars, if the repayment term is longer than 12 months (minimum 500 denars, maximum 150,000.00 denars)
  • 0.3% of the loan amount up to 3,000,000.00 denars , if the repayment term is up to 12 months (minimum 500 denars, maximum 150,000.00 denars)
  • 0.25% of the loan amount over 3,000,000.00 denars , if the repayment term is up to 12 months (maximum 150,000.00 denars)
  • 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)
pledge of interest free denar or FX deposit with a depositing period equal to the loan repayment period
  • When the borrower and the pledges are different entities, there is an option whether denar or FX deposit shall be used on which loan interest rate shall be offered at the actual deposit interest rate prescribed for denar or FX deposit, and the loan shall be approved at the interest rate increased for the actual loan interest rate over the deposit interest rate.
  • The borrower shall have the right on release of the deposit pledged, on quarterly basis, and proportionally to the extent of the repaid part of the loan.
  • monthly instalments
  • maturity of annuity - on the 16th day of each month
Documents required

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


*More information at:

Contact center:

+389 2 3296 800


or at  naselenie.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