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.

USD

Loan and deposit in the same currencyBased on the pledged deposit interest rate

Year 1: Deposit interest rate + 2 percentage pointsVariable · the benchmark may change

From year 2: Deposit interest rate + 2 percentage pointsVariable · the benchmark may change

Tariff section 8. A formula for loans and deposits in different currencies is not established here.

Official terms · page 2 ↗

Employment, income & eligibility

The deposit must be held at ABI. It may belong to the applicant or a third party, subject to bank acceptance.

Documents: Identification, income evidence and the deposit agreement. 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 current tariff does not give APR. The old PDF illustration does not represent your offer.

Repayment, costs & documents

Amount and term: ALL 100,000–14,000,000; EUR or USD 1,000–100,000. Term: 6–180 months. Source ↗
Disbursement fee: Section 8: 1%, minimum ALL 3,000 / EUR 20 / USD 20. Section 5 describes another deposit-secured variant; its terms are not merged. Source ↗
Early repayment: No fee for full or partial early repayment. Source ↗
Collateral and guarantees: An ABI deposit from the applicant or an accepted third party is required. Source ↗

Benefits and limitations

✓ The pledged deposit continues earning interest

✓ No early repayment fee

Cross-currency terms and the required deposit-to-loan ratio need bank confirmation.

Key published conditions
Currencies	ALL, EUR, USD
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)	180
Published APR (%)	ALL: Not confirmed EUR: Not confirmed USD: Not confirmed
Fees	1%, minimum 3,000 LEK / 20 EUR / 20 USD, sipas zërit 8 të tarifës. / Under tariff section 8.
Collateral	Depozitë në ABI / ABI deposit

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLPublished limits	100,000 – 14,000,000	6–180	See nominal interest aboveAmount also depends on the deposit accepted as security.
EURPublished limits	1,000 – 100,000	6–180	See nominal interest aboveAmount also depends on the deposit accepted as security.
USDPublished limits	1,000 – 100,000	6–180	See nominal interest aboveAmount also depends on the deposit accepted as security.

Official sources and supporting terms

Product page on the bank’s website ↗

Normat e interesit per individ - 20 Korrik 2026 ↗Reviewed pages: 2