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contact center:
(02) 3 296 800

Denar loans and denar loans with FX clause

Types of loans
  • denar loans
  • denar loans with currency clause
Purpose набавка на основни и/или обртни средства
Types of loans      
repayment period up to 10 years
  grace period up to 2 years
Interest rate

    reference interest rate + interest margin up to 6.0 p.p., p.a.


  • for denar loans


    The reference interest rate shall be the rate announced and available on the web site of NBRM (http://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).


  • for denar loans with fx clause


    The reference interest rate shall be the rate of 6-months EURIBOR announced at each 31.12. and 30.06. at the web site of the Bank and shall apply for the current six-months period (until the end of the respective six-months period). If the rate is of negative value, its value shall be taken to be 0.00 when calculating the nominal interest rate.


    The Bank shall regularly announce the applicable reference interest rate for calculation of the interest, at its web site. LINK


    1.5% p.a. over the interest rate paid by the Bank on the deposited funds under the loans secured by cash deposited with the Bank

Note the interest rate depends on the creditworthiness of the client, regular servicing of the liabilities towards the Bank and the type and quality of the collateral offered
Fees rom 0.05 % to 1.5% fee on the disbursed loan amount, depending on the type of the loan, loan repayment period and loan repayment resources
Collateral the loan shall be secured by usual security instruments in accordance with the Bank’s Credit Policy (mortgage on real estate, pledge of movable property, bills of exchange etc.)
The newly established trade companies interested in long-term loans from the Bank’s resources or from the funds from any of the credit lines available through the Bank, should present their own investments already made, which are minimum 50% of the total investments in the respective project.

Contact persons

Ilija Mircevski, Chief Coordinator for Corporate Lending
Phone: (+389 2) 3168-504
Fax: (+389 2) 3247-468
e-mail: ilija.mircevski@kb.com.mk

Elena Spirovska, Manager of Agriculture Lending Department
Phone: (+389 2) 3168-509
e-mail: elena.spirovska@kb.com.mk
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