Observation date:
Official source ↗Calculate. Understand. Decide.
Explore a loan, a home purchase, credit-card repayment or your savings. Every result is an estimate based on your inputs.
Shop, office or land loan · EUR
Choose a published rate option or enter your own assumptions. The calculation does not reproduce the bank’s APR or confirm an offer.
Product terms and sources →Read published rates
Nominal interest by currency
The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.
Salary at the lending bank
Rate and term depend on salary/rent, business or other income. No discount solely for salary transfer is confirmed.
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.
Bank’s salary conditions ↗EUR · Euro
Salary/rent · 1 year(s) fixedFixed for the first 12 months
- Year 1
- 2.9%Fixed rate
- From year 2
- Euribor 12M + 2.8%, min 4%
Salary or rental income only. The ALL cap is the equivalent of EUR 300,000; no exchange rate is assumed.
Official terms · page 3 ↗Salary/rent · 3 year(s) fixedFixed for the first 36 months
- Year 1
- 3.5%Fixed rate
- Years 2–3
- 3.5%Fixed rate
- From year 4
- Euribor 12M + 2.8%, min 4%
Salary or rental income only. The ALL cap is the equivalent of EUR 300,000; no exchange rate is assumed.
Official terms · page 3 ↗Salary/rent · fixedAnnual interest
- Year 1
- 4.5%Fixed rate
- From year 2
- 4.5%Same fixed rate until repayment
Term up to 15 years.
Official terms · page 3 ↗Business income · fixedAnnual interest
- Year 1
- 5%Fixed rate
- From year 2
- 5%Same fixed rate until repayment
Term up to 10 years.
Official terms · page 3 ↗Other income · fixedAnnual interest
- Year 1
- 5.5%Fixed rate
- From year 2
- 5.5%Same fixed rate until repayment
This profile’s term requires confirmation.
Official terms · page 3 ↗Other costs and currency scenario
Zero means this cost is excluded, not that the bank charges nothing. Annual insurance is spread over 12 months for this estimate.
YOUR ILLUSTRATIVE ESTIMATE
Enter the amount, nominal rate and term. Include a follow-on assumption when the rate changes.
User-entered assumptions, not a bank offer. Monthly rates equal the annual nominal rate divided by 12; bank day-count conventions may differ.
Includes the borrowed amount, interest and only the extra costs entered. Costs left at zero are excluded. Follow-on rates and exchange-rate changes are assumptions, not forecasts. This is not APR.
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.