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contact center:
(02) 3 296 800

Consumer loan up to EUR 30,000 with euro clause



Your desires are a reflection of your ideals. A dream trip, a new look to your home, a master's degree or those "small" pleasures that bring you a smile every day.


Now all the wishes are within reach with only one loan that will cover all your ambitions, big and small.




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.



The loan is intended for:

  • Full-time and part-time employees, who are not obliged to receive their salary on an account in Komercijalna Banka,
  • Part-time employees, who should have at least 12 months of uninterrupted work (working experience) in the specific company,
  • Pensioners who receive a pension on a transaction account in Komercijalna Banka, and who have exercised the right to a pension on other grounds, and not on the basis of meeting the legal age limit and who do not exceed 62 years of age at the final loan repayment date - for women, i.e. 64 years of age - for men.


Loan amount

  • From EUR 350 to EUR 30.000 in denar counter value for full-time employees
  • From EUR 350 to EUR 8.000 in denar counter value for part-time employees



Loan term

  • from 12 up to 95 months



Nominal interest rate for newly approved loans after 01.03.2021


For clients that receive salary or pension in Komercijalna Banka

  • 4,7% p.a., fixed for the first 3 years,
  • 5,7% p.a., variable for the rest of the loan (1- month EURIBOR + 5.7%, but not less than 5.7%)*


For persons that receive salary in other banks

  • 5,7% p.a., fixed for the first year,
  • 6,7% p.a., variable, for the rest of the loan period (1- month EURIBOR + 6.7%, but not less than 6.7%)*


*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) . if the rate is of negative value, the nominal interest rate shall be calculated with value of 0,00.


Annual rate of total expenses (RTE)

  • 5,23% p.a. for loan for clients receiving salary in Komercijalna Banka,
  • 6,68% p.a. for loan for clients receiving salary in other banks.


 (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)




It is approved as soon as possible after completing the documentation with met criteria.





  • Monthly income exceeding MKD 12,000
  • The monthly instalment should be 1/2 of the applicant’s monthly net-income
  • The age of the Borrower should not exceed 70 years with the last monthly instalment, except for pensioners, whose age should not exceed 62 years for women and 64 years for men
  • The Borrower uses e-banking services
  • for refinancing an existing loan with KB, the amount of the newly approved loan should be min. 35% higher than the amount of the loan being subject to refinancing





  • the maximum loan disbursement period is 60 days from the date of approval,
  • the funds are transferred to the transaction account of the borrower.



Loan costs


  • MKD 2,000 for loan approval and administration
  • MKD 300 for loan application and processing
  • Charges for the grace period interest
  • Bill of exchange costs




  • Standing order 
  • Draft with draft statement
  • For a loan up to EUR 30,000 for full-time employees - without guarantors (after a credit analysis, the Bank may request additional collateral - one creditworthy guarantor),
  • For a loan for part-time employees up to EUR 8,000 in denar counter value with 1 (one) creditworthy guarantor with full-time employment.




 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 depositors of (for depositors of the Bank, solvency is not required, and for applicants receiving their salary through the Bank, the Form PP53 is not required)
  • For pensioner, the last pension cheque
  • M1/M2 Form




Monthly instalments, instalment becoming due - on the 16th day of each month




Early repayment

Early partial or full loan repayment shall be free of charge


Tables with standardized data


Komercijalna Banka shall keep its discretion right to reject the loan application
* More information at:

or at contact center: 
(02) 3 296 800



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
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