Home loan (mortgage)
Buy, build, renovate or refinance a home, secured by property and supported by documented income.
Cost summary
Indicative figures- Monthly payment
- UnconfirmedPer month
- Total interest
- UnconfirmedOver the whole term
- Fees
- UnconfirmedUpfront bank fee only
- Total repayment
- UnconfirmedLoan + interest + known fee
Not published in USD. Published currencies: LEK, EUR. Change your choices to calculate a payment within the bank’s published limits.
Edit your choices →Your product context
Calculate with this product →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.
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.
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 ↗USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Documented salary, rental or business income, with specific history requirements.
- Employment and rent
- Salary: annual certificate and 6 months of contributions or account statements. Rent: contract, ownership title and at least 6 months of bank payments. Source ↗
- Business income
- At least 2 years of licensed activity and positive financial results in the last 2 years. Source ↗
- Identification and applicants
- Borrower, co-borrower and financial guarantor provide ID/passport and a family certificate. Source ↗
- Account and co-borrower
- An ABI account is required for disbursement and repayment, plus a co-borrower or guarantor. Source ↗
Annual percentage rate (APR)
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 →
- USD
- Not confirmed
The reviewed bank examples are in another currency.
Repayment, costs & documents
- Amount and term
- EUR 5,000–1,000,000 or ALL equivalent; 6–360 months for home purchase/construction. Source ↗
- Investment term
- The bank’s webpage limits investment borrowing to 20 years. Source ↗
- ALL · First home
- Financing 85%; bank-labelled “Income/Obligations” ratio 40%; collateral 118%, as listed on the webpage. Source ↗
- ALL · Second home / rental
- Financing 80%; bank-labelled “Income/Obligations” ratio 35%; collateral 125%, as listed on the webpage. Source ↗
- EUR · First home
- Financing 75%; bank-labelled “Income/Obligations” ratio 35%; collateral 133%, as listed on the webpage. Source ↗
- EUR · Second home / rental
- Financing 70%; bank-labelled “Income/Obligations” ratio 30%; collateral 143%, as listed on the webpage. Source ↗
- Confirm collateral ratios
- The pre-contract sheet specifies 135% residential market-value coverage or 100% liquidation-value coverage. This differs from the webpage; ask the bank to confirm the ratio and valuation basis. Source ↗
- Disbursement and other costs
- Disbursement 1%, or 0% for refinancing another bank. Valuation, notary and mortgage registration are additional. Life and property insurance is mandatory and renewed annually. Source ↗
- Property and documents
- Mortgage over the financed or another acceptable property. Sale/construction contract, title, ownership history and current cadastral record; permit/works estimate when applicable. Source ↗
- Early repayment
- 14 working days’ notice; prepay at least 6 instalments. Fee 2% with over 1 year remaining, 1% with under 1 year; confirm the exactly-one-year case. Source ↗
Benefits and limitations
✓ 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. |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
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