Buy, build, renovate or refinance a home, secured by property and supported by documented income.
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition.
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 ↗Then: BTH 12M + 2%, min 2.5%
The margin increases after year one; pricing depends on the benchmark, purpose and profile.
Official terms ↗Then: BTH 12M + 1.5%, min 2.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms · page 2 ↗Then: BTH 12M + 2.5%, min 3.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms · page 2 ↗The bank confirms the final rate based on your profile and the product terms.
Official terms · page 2 ↗Then: Euribor 12M + 3%, min 4%
The margin increases after year one. Negative Euribor is treated as zero; pricing depends on purpose and profile.
Official terms ↗Then: Euribor 12M + 2.5%, min 4%
The bank confirms the final rate based on your profile and the product terms.
Official terms · page 2 ↗Then: Euribor 12M + 3.5%, min 4.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms · page 2 ↗Emigrant lending is EUR-only; apartment financing up to 60%.
Official terms · page 2 ↗Documented salary, rental or business income, with specific history requirements.
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
Example benchmark: 2.73%. First year T-bills + 1.5%, then + 2%, floor 2.5%. Fee ALL 80,000. The example payment after year one is ALL 45,444; the index can change. Published total is principal plus interest, excluding additional costs.
Bank’s example ↗Published APR 4.599%. The illustration uses 3.73% in year one and 4.23% thereafter; 3.73% is below the published current 4% floor. Confirm the offer. The loan payment becomes EUR 490 after year one; account EUR 1/month, insurance and 1% disbursement are additional.
The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.
Bank’s example · page 3 ↗✓ Up to 30 years
✓ EUR 5,000–1,000,000 or ALL equivalent
✓ 0% disbursement for refinancing another bank’s loan
The EUR illustration uses 3.73% interest, below the current 4% floor; collateral ratios also differ between the webpage and pre-contract sheet. Ask ABI to clarify.
Financing depends on the home, income and currency. Borrowing in a different currency from income creates exchange-rate risk. Insurance, valuation and notary costs are additional.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition. |
| Minimum term (months) | 6 |
| Maximum term (months) | 360 |
| Published APR (%) | ALL: 5.21% EUR: 4.60% · see examples and conditions |
| Fees | 1% disbursim; 0% për transferim nga bankë tjetër. / 1% disbursement; 0% refinancing from another bank. |
| Collateral | Prona e financuar ose pronë tjetër e pranuar nga banka. / Financed property or another property accepted by the bank. |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLHome purchase/construction | — – Confirm amount with bank | 6–360 | See nominal interest aboveVariable rate; see interest by currency and profile. ALL limits equal EUR 5,000–1,000,000 at the bank’s conversion rate. |
| EURHome purchase/construction | 5,000 – 1,000,000 | 6–360 | See nominal interest aboveVariable rate; see interest by currency and profile. ALL limits equal EUR 5,000–1,000,000 at the bank’s conversion rate. |
Product page on the bank’s website ↗
Source section: Kredi Hipotekore - Pagamarrës / Kredi për Shtëpi
Informacioni i standardizuar parakontraktor i kredise per shtepi - 20 Korrik 2026 ↗Reviewed pages: 1, 2, 3, 4
