Deposit secured loan
All adult creditworthy individuals with pledge of denar or foreign currency deposit at the Bank can apply for this loan.
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Loan amount
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95% of the amount of the deposit if the deposit is in denars, but not less than 10,000.00 denars
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90% of the amount of the deposit if the deposit is in euros, but not less than 10,000.00 denars
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Loan term
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Nominal interest rate
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2% annual, fixed with denar clause
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Annual rate of total expenses (RTE)
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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)
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Early repayment
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Free of commission for early partial or full loan repayment
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Criteria
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The applicant need not to be employed and there are no limitations regarding the maximum age of the applicant and the monthly income.
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Disbursement
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Loan costs
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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)
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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)
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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)
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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)
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Security
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pledge of interest free denar or FX deposit with a depositing period equal to the loan repayment period
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Repayment
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Documents required
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Komercijalna Banka shall keep its discretion right to reject the loan application
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Contact persons
Natasa Baljuk Ristovska, Head of Loan Approval and Disbursement Unit
e-mail:
Julijana Nikcevska, Loan Approval and Disbursement Control Officer
e-mail: