Maximum termALL: 60 monthsDepending on amount and option
Maximum amountALL: ALL 1,000,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
The ALL/60-month examples use 10% for customers receiving salary at ProCredit and 11% for others. APR and fees vary by example; the bank confirms the terms.
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? Salary customers at ProCredit or another bank; personal certificate and contribution/salary evidence from e-Albania required.
ALL 50,000–1,000,0006–60 months
The page gives 12.44% APR for other customers, while the PDF gives 12.42% in its 11% nominal, 1% fee illustration. Request APR for the selected amount, package and offer.
Maximum termALL: 300 months
EUR: 300 monthsDepending on amount and option
Maximum amountALL: ALL 50,000,000
EUR: EUR 500,000Subject to bank approval
Interest and conditions
Nominal interest by currency
Salary at the lending bankSalary conditions
The page separates Flex and Fix & Flex by salary at ProCredit or elsewhere. Examples use a 0.9% payroll fee and 1% for others. The PDF requires salary transfer for employees; confirm that requirement for your chosen offer.
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? For salary applicants: at least 6 months of employment and salary credited to a bank. Separate options exist for rent, business income and emigrants.
Up to 25 yearsUp to ALL 50 million / EUR 500,000
Confirm salary transfer: the page lists other-bank salary customers while the PDF requires transfer for employees.
Maximum termALL: 84 months
EUR: 84 monthsDepending on amount and option
Maximum amountALL: Unconfirmed
EUR: UnconfirmedSubject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
Salary at ProCredit gives a lower margin and floor in ALL/EUR. Compare the complete formula; the actual rate difference also depends on the benchmark and floor.
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? Resident with regular monthly income and at least 6 months of employment. Electric or plug-in hybrid car; preferential terms require salary at ProCredit.
Up to 7 yearsALL or EUR
The page’s offer is time-limited without an end date; request confirmation. Security and insurance depend on exposure.
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Up to 15 yearsUp to 80% of investment
The rates and fees above are only for the very-small-business segment. Its 6.95% APR example uses 6.4% nominal, below the schedule’s range, so it is not treated as current pricing.
