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 purchase or construction loan · ALL
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 →No rate is ready for automatic calculation in this currency. Published formulas and conditions remain available below; a rate floor is not used as your rate.
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.
BKT publishes lower rates for customers receiving salary at BKT, both in year one and in the follow-on formula. Compare payroll and other-customer options below.
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 ↗ALL · Lekë
Then: BTH 12M + 2%, min 3%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗Then: BTH 12M + 2.5%, min 3.5%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗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.
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.