Observation date:
Official source ↗Deposit calculator
Explore a loan, a home purchase, credit-card repayment or your savings. Every result is an estimate based on your inputs.
0% means no tax included. Set the tax applicable to your situation; this is not a statement of Albanian tax law. Tax is deducted at the end.
YOUR ILLUSTRATIVE ESTIMATE
Balance at maturity
ALL 1,350,000- Gross interest
- ALL 350,000
- Assumed tax
- ALL 0
- Net interest
- ALL 350,000
User-entered assumptions, not a bank offer. Monthly rates equal the annual nominal rate divided by 12; bank day-count conventions may differ.
Assumes a constant rate, no fees or early withdrawal, with the compounding and tax treatment selected.
Reference rates
What is variable interest based on?
The bank adds its margin to the reference rate and may set a minimum interest rate.
Observation date:
Official source ↗Effective from:
Official source ↗How do these rates affect my loan?
BTH 12M is the weighted-average accepted yield of 12-month Albanian Treasury bills. Euribor 12M is a euro interbank reference rate. The ECB main refinancing rate is separate and does not replace Euribor. Use the reference and reset date in your bank’s contract.
These are dated observations, not live quotes or forecasts. Euribor is published by this source with a 24-hour delay. NEI also reflects applicable loan costs.