Maximum termALL: 120 months
EUR: 120 monthsDepending on amount and option
Maximum amountALL: ALL 3,000,000
EUR: EUR 25,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
Tirana Bank publishes lower ALL payroll options: fixed, variable and MIX. Compare the same term and option. The EUR table publishes shared rates.
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? Employed applicants with income evidence or business owners with registration and financial documents.
Up to ALL 3 million / EUR 25,000Up to 10 years
The old APR illustration does not match the current rate matrix; request personal APR. The EUR refinancing MIX option names T-bills instead of Euribor and remains unconfirmed.
Maximum termALL: 360 months
EUR: 360 monthsDepending on amount and option
Maximum amountALL: ALL 100,000,000
EUR: EUR 1,000,000Subject to bank approval
Interest and conditions
Nominal interest by currency
Salary at the lending bankSalary conditions
In ALL, year one is 3.5% for both profiles; payroll then uses T-bills + 1.6% versus + 2.2%, with the same 4% floor. EUR has the same published formula for both profiles. The ALL benefit is in the follow-on margin.
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? Professionals financing their business premises; mortgage over the financed property or another acceptable property.
Purchase up to 20 yearsRenovation 10–15 years
The page lists up to 20 years while the precontract example uses 25. Its example APR is not a quote for every application; confirm final term with the bank.
Maximum termALL: 60 months
EUR: 60 monthsDepending on amount and option
Maximum amountALL: ALL 30,000,000
EUR: EUR 300,000Subject 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? For the small-business option: company history extract, two years of filings, ID, family certificate, three months’ payroll and liability certificate; property documents and building permit/cost estimate where relevant.
Up to 10 yearsALL, EUR or USD
Agro financing at up to 2% APR is a separate programme, not standard investment pricing. A USD nominal rate was not verified.
