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Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Loan for purchasing real estate, owned by the Bank, located in the Gjorche Petrov settlement, Jurija

 
The loan is intended for purchase of large, comfortable apartments with own parking lot or for purchase of business premises owned by the bank, located in the Gjorche Petrov settlement, Jurija

 

Loan amount Depends on the creditworthiness and value of the mortgage
Down payment Not required
Repayment term
  • up to 18 years for purchase of business premises
  • up to 30 years for purchase of an apartment
Grace period Possibility for a grace period of 12 months. During the grace period the Bank shall charge the grace period interest only.
Nominal interest rate
At the client’s choice:

Loan with EUR clause:

Option 1
2,9% p.a., fixed for the first 3 years
4,7% p.a. , variable for the rest of the period (one-month EURIBOR + 5,9%, but not less than 5,9%)*
 
Option 2
3,5% p.a., fixed for the first 10 years
4,5% variable for the rest of the period (one-month EURIBOR + 5,2%, but not less than 5,2%)*
 
*The one-month EURIBOR rate shall be announced on each 31 December and on each 30 June on the web site of the Bank and it shall be applied for the current six months (by the end of the half year) HEREif the rate is of negative value, the nominal interest rate shall be calculated with value of 0,00
 
Denar loan:
 
3,6% p.a., fixed for the first 3 years
3,9% p.a., fixed for the next 3 years
4,7% p.a., variable, for the rest of the loan period (reference interest rate of 1.53%, but not exceeding the legal default interest rate for denar claims)*


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). Currently the reference interest rate is 1,53%. The Bank shall regularly announce the applicable reference interest rate for interest calculation, at its website
Link
 
Annual rate of total cost (RTC)
For loan with EUR clause:

Option 1:
- 4,37% p.a.

Option 2:
- 4,03% p.a.
 
For denal loan:
- 4,38% 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). Notary costs, the costs for registration of the lien in the appropriate public register and the costs of insurance of the pledged immovable property against fundamental risks are not included in the calculation of RTE and are on the account of the borrower.
Early repayment Free of charge for early partial or full loan repayment
Criteria
  • monthly annuity should be covered by 1/2 of the monthly net income of the loan applicant;
    monthly income may also include any other annual or monthly income being subject to taxes pursuant to the Law on Personal Income Tax and that can be presented as documented evidence;
  • the age of the Borrower should not exceed 70 years with the last loan monthly installment;
  • the loan may include two more co-borrowers that not necessarily have to be family members but must be creditworthy

Loan
costs

  • 0 denars loan approval and administration fees
  • 0 denars appraisal costs
  • 400,00 denars for loan application and processing
  • grace period interest (calculated from the date of disbursement of the funds to the date of loan repayment commencement at interest rate equal to the loan interest rate)
  • free of notary and attorney’s costs for the Pledge Agreement
  • insurance policy costs for the pledged property against basic risks
Manner of repayment
  • monthly installments
  • loan installment due date - on 16th day of the month
Collateral
  • mortgage on real estate in value of up to 100% of the loan amount;
  • insurance policy for the pledged property assigned to the Bank renewed throughout the whole duration of the loan

NEW: From now on, a quality insurance policies from our experienced partner Osiguruvanje Makedonija AD Skopje - VIG specially created for the Bank’s loan users, may be obtained at one place and by one visit to the Bank.

 

Documents
required
  • • Loan application
  • copies of valid identity cards for all participants in the loan;
  • for employees of private companies acceptable for the Bank, form PP53 (Declaration for receipt from Public Revenue Office) for the recent 3 months and solvency of the gyro account with their business bank (solvency is not required for clients of Komercijalna Banka);
  • for pensioners– receipt from the last pension;
  • pre-agreement for purchase/sale of real estate; and
  • birth/marriage certificate for the loan applicants
Komercijalna Banka shall keep its discretion right to reject the loan application

 

You can get more information regarding sale of the  apartments at the phone numbers: 02/ 3168 423, 02/ 3168-428, 02/3168-439 

You can get more information regarding the loan terms at:  stanbeni.krediti@kb.com.mk