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Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Consumer loan up to MKD 1,500,000


 
The loan is intended for creditworthy individuals – full time employees in public administration, financial institutions or diplomatic representative offices in RNM or in companies acceptable for the Bank who receive salary on transaction account with the Bank in the amount over MKD 14,500. If the Applicant satisfies the Bank’s criteria, the loan shall be approved within 24 hours upon documentation completed.
 

APPLY ONLINE – For users of the e-banking service, who have enabled option to execute payments, the Bank provided faster and easier procedure for online applying for a loan.

 

Loan amount

from MKD 10,000 up to MKD 1,000,000.00

Loan term from 12 up to 95 months
Grace period Possibility of a grace period of 6 months. Within the loan term, the Bank shall calculate and charge grace period interest to the extent of the loan interest rate.
Nominal interest rate 5% p.a., fixed for the first 2 years
6,3% гp.a., variable (reference interest rate of 1.53% increased for 4.77%, but not more than the legal penalty interest 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). Current applicable 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 expenses (RTE) 5,9% 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 Early partial or full loan repayment shall be free of charge
Criteria
  • Monthly income exceeding MKD 14,500.00
  • The monthly instalment should be 1/2 of the applicant’s monthly net-income
  • The Borrower uses e-banking services
  • The age of the Borrower should not exceed 70 years with the last monthly instalment
Disbursement
  • 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
  • MKD 2,000 for loan approval and administration
  • MKD 300 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
Collateral
  • Draft with draft statement with a value covering the loan amount approved and the interest, signed by the Borrower, without a guarantor
  • Standing order for collection of monthly instalments from the Borrower’s transaction account
  • Administrative ban on monthly salary
Repayment
  • monthly instalments
  • instalment becoming due - on the 16th day of each month
Documents required
  • Loan application
  • Photocopy of valid ID card
  • For employees in private companies acceptable for the Bank, Form PP53 (Declaration of receipt from PRO) for the last three months and solvency of the giro account from the bank they are clients of (for clients of the Bank solvency is not required and for applicants receiving their salary through the Bank Form PP53 are not required)
  • M1/M2 Form


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