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

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

Nominal interestVariable throughout the term

Year 1: BTH 12M + 5.5%, minimum 7%Variable · the benchmark may change

From year 2: BTH 12M + 5.5%, minimum 7%Variable · the benchmark may change

Under the 20 July 2026 tariff, section 4. The bank confirms individual APR.

Official terms · page 1 ↗

Employment, income & eligibility

Documented income and property acceptable to the bank as security are required.

Documents: Identification, income evidence and property documents. 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 →

ALL: Not confirmed

The current tariff does not publish APR for this product. The linked PDF describes a deposit-secured loan and is not used for this product.

Repayment, costs & documents

Amount and term: EUR 5,000–50,000 or ALL equivalent; 6–120 months. Source ↗
Disbursement fee: 1% of the amount, at least ALL 7,000 or EUR 50. 0% for refinancing another bank. Source ↗
Financing share: Up to 70% of expenses; a higher share may be approved in exceptional cases depending on collateral. Source ↗
Collateral and guarantees: Property accepted by the bank as security is required. Source ↗

Benefits and limitations

✓ EUR 5,000–50,000 or ALL equivalent

✓ Term 6–120 months

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Minimum term (months)	6
Maximum term (months)	120
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Fees	1%, minimum 7,000 LEK / 50 EUR; 0% për blerje kredie nga banka tjetër. / 0% for refinancing another bank.
Collateral	Pronë e paluajtshme / Property

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
EURPublished limits	5,000 – 50,000	6–120	See nominal interest aboveAmount limits are in EUR.
ALLPublished limits	— – Confirm amount with bank	6–120	See nominal interest aboveALL equivalent of EUR 5,000–50,000; the bank determines the conversion.

Official sources and supporting terms

Product page on the bank’s website ↗

Normat e interesit per individ - 20 Korrik 2026 ↗Reviewed pages: 1