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Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Deposit secured loan

 

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 euros, but not less than 10,000.00 denars  
Loan term
  • 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.
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
Criteria
The applicant need not to be employed and there are no limitations regarding the maximum age of the applicant and the monthly income.
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
  • 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)
Security
pledge of interest free denar or FX deposit with a depositing period equal to the loan repayment period
Repayment
  • 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

contact@kb.com.mk

or at  naselenie.krediti@kb.com.mk 



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