Maximum termALL: 84 months
EUR: 84 monthsDepending on amount and option
Maximum amountALL: ALL 3,000,000
EUR: EUR 28,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
Rate and fee vary by salary at Intesa, currency and term. For terms over 3 years compare the rate after month 36 too. The fee is 1.5% for payroll and 2% for others.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system.
Up to 7 yearsUp to ALL 3 million / EUR 28,000 subject to salary requirement
Rate depends on currency, term and payroll. Some terms over 3 years change rate after month 36; 4.2% applies only to ALL payroll loans up to 12 months.
Maximum termALL: 60 months
EUR: 60 monthsDepending on amount and option
Maximum amountALL: ALL 1,000,000
EUR: EUR 8,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
The EUR/60-month example uses 9% for payroll and 11% for other customers. The ALL example uses the same 13.5% for both profiles. No ALL rate discount is verified.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Maximum termALL: 60 months
EUR: 60 monthsDepending on amount and option
Maximum amountALL: ALL 6,000,000
EUR: EUR 40,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
Salary-transfer discount unconfirmed. Request quotes with and without salary transfer.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Maximum termALL: 36 months
EUR: 36 monthsDepending on amount and option
Maximum amountALL: ALL 2,800,000
EUR: EUR 20,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
Salary-transfer discount unconfirmed. Request quotes with and without salary transfer.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest.
No annual fee in year one5% minimum payment
Annual fee from year two is ALL 1,500 / EUR 15. Partial repayment and cash withdrawals incur costs.
Who can apply? Business legal documents, last three years’ financial statements, investment plan, collateral records, 12 months of loan-account statements and Credit Register consent.
Up to 15 yearsUp to EUR 500,000
Confirm the ALL amount, rate and collateral in the offer.
