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Education loans
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Choose the amount, term and currency to narrow down the offers.
Tuition loans and student-programme information. Check eligible universities, co-borrower requirements, fees and when repayment starts.
Student programmes and benefits
Union Bank · AKFAL 2026–2027 — subsidised student credit
The selected offer has 5.5% fixed nominal interest: the state covers 5 percentage points and the student pays 0.5% interest. This is not the APR.
The application window announced by AKFAL is 5 October–4 November 2026 through e-Albania. Eligibility restrictions include residency, nationality, enrolment and other study benefits. No physical collateral; repayment starts no earlier than normal completion of studies. Check the official call for eligible institutions and documents.
AKFAL reports 5.93% APR for the winning offer, without its amount/term assumptions. Amount, currency, maximum term and bank fees are incomplete. This programme has no calculated payment and is excluded from rankings.
AKFAL: selected offer ↗ · Official application notice ↗Union Bank · Student package benefit
The student package advertises a “1% reduction” from standard interest for Bachelor/Master study loans. The base rate and calculation method are not supplied, so we do not derive a new rate or monthly payment. This benefit is separate from AKFAL and is excluded from rankings.
Union Bank conditions ↗2 products · 2 banks in this category
What does the comparison include?
Results show published rates, APR and conditions. Open any offer to read its fees, documents and official sources. Final terms are confirmed by the bank.
Salary discounts are shown only when published. Monthly payments and total costs need a confirmed rate and fees.
Results depend on your choices. Our list does not cover every product on the market.
Understand APR and nominal interest →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:
Older observation — check the source for a newer value.
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.