Shop and land purchase loan

For buying a shop or land, secured against property.

American Bank of Investments

Provider: Directly by the bank. No sponsored placement.

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

Interest and monthly payments over time

View rates by option (8)

ALL · Salary or rent · Variable in year one

Year 1: BTH 12M + 2.5%, min 3.5%Variable · the benchmark may change

From year 2: BTH 12M + 3%, min 3.5%

ALL · Premier · Variable in year one

Year 1: BTH 12M + 2%, min 3.5%Variable · the benchmark may change

From year 2: BTH 12M + 2.5%, min 3.5%

ALL · Business income · Variable in year one

Year 1: BTH 12M + 3%, min 4.5%Variable · the benchmark may change

From year 2: BTH 12M + 3.5%, min 4.5%

ALL · Other income · Variable rate

Year 1: BTH 12M + 4%, min 5.5%Variable · the benchmark may change

From year 2: BTH 12M + 4%, min 5.5%Variable · the benchmark may change

EUR · Salary or rent · Variable in year one

Year 1: Euribor 12M + 3.5%, min 5%Variable · the benchmark may change

From year 2: Euribor 12M + 4%, min 5%

EUR · Premier · Variable in year one

Year 1: Euribor 12M + 3%, min 5%Variable · the benchmark may change

From year 2: Euribor 12M + 3.5%, min 5%

EUR · Business income · Variable in year one

Year 1: Euribor 12M + 4%, min 5.5%Variable · the benchmark may change

From year 2: Euribor 12M + 4.5%, min 5.5%

EUR · Other income · Variable rate

Year 1: Euribor 12M + 5.5%, min 6%Variable · the benchmark may change

From year 2: Euribor 12M + 5.5%, min 6%Variable · the benchmark may change

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Your product context

ALL EUR

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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.

Salary at the lending bank

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

ALL · Lekë

Salary or rentVariable in year one

Year 1: BTH 12M + 2.5%, min 3.5%Variable · the benchmark may change

From year 2: BTH 12M + 3%, min 3.5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

PremierVariable in year one

Year 1: BTH 12M + 2%, min 3.5%Variable · the benchmark may change

From year 2: BTH 12M + 2.5%, min 3.5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

Business incomeVariable in year one

Year 1: BTH 12M + 3%, min 4.5%Variable · the benchmark may change

From year 2: BTH 12M + 3.5%, min 4.5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

Other incomeVariable rate

Year 1: BTH 12M + 4%, min 5.5%Variable · the benchmark may change

From year 2: BTH 12M + 4%, min 5.5%Variable · the benchmark may change

Emigrant lending is EUR-only.

Official terms · page 2 ↗

EUR · Euro

Salary or rentVariable in year one

Year 1: Euribor 12M + 3.5%, min 5%Variable · the benchmark may change

From year 2: Euribor 12M + 4%, min 5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

PremierVariable in year one

Year 1: Euribor 12M + 3%, min 5%Variable · the benchmark may change

From year 2: Euribor 12M + 3.5%, min 5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

Business incomeVariable in year one

Year 1: Euribor 12M + 4%, min 5.5%Variable · the benchmark may change

From year 2: Euribor 12M + 4.5%, min 5.5%

Subject to income profile and bank assessment.

Official terms · page 2 ↗

Other incomeVariable rate

Year 1: Euribor 12M + 5.5%, min 6%Variable · the benchmark may change

From year 2: Euribor 12M + 5.5%, min 6%Variable · the benchmark may change

Emigrant lending is EUR-only.

Official terms · page 2 ↗

Employment, income & eligibility

Documented employment, rental or business income and acceptable property security.

Documents: ID and family certificate; salary certificate and six months of statements. Rental income: lease, title and payment evidence. Source ↗
Business income: Licensed activity for at least two years and positive financial results for the last two years. 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 →

Salary or rent · bank illustration

6.28% APR

Currency: ALL
Example amount: ALL 8,000,000
Term: 240 months
Example nominal rate: 5.23%
Example monthly payment: ALL 53,818

Uses 2.73% T-bills: ALL 53,818 in year one, then ALL 55,984; ALL 80,000 fee. Not an APR for today’s index or every profile. The page total excludes some fees.

Bank’s example ↗

Repayment, costs & documents

Financing: Up to 60% of the shop or land value. EUR 5,000–1,000,000 or ALL equivalent; 6–240 months. Source ↗
Fees and insurance: 1% fee; 0% for refinancing. Life/property insurance, valuation, notary and registration are separate. Source ↗
Collateral: Commercial-property market value must cover at least 167% of the loan. Residential collateral has different coverage rules. Source ↗

Benefits and limitations

✓ Up to twenty years

✓ ALL or EUR financing

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)	240
Published APR (%)	ALL: 6.28% EUR: Not confirmed · see examples and conditions
Fees	1%; 0% rifinancim
Collateral	Hipotekë mbi pronë / Property mortgage
Loan-to-value (%)	60

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLSalary or rent	— – Confirm amount with bank	6–240	See nominal interest aboveSubject to profile and bank assessment.
EURSalary or rent	5,000 – 1,000,000	6–240	See nominal interest aboveSubject to profile and bank assessment.
ALLPremier	— – Confirm amount with bank	6–240	See nominal interest aboveSubject to profile and bank assessment.
EURPremier	5,000 – 1,000,000	6–240	See nominal interest aboveSubject to profile and bank assessment.
ALLBusiness income	— – Confirm amount with bank	6–240	See nominal interest aboveSubject to profile and bank assessment.
EURBusiness income	5,000 – 1,000,000	6–240	See nominal interest aboveSubject to profile and bank assessment.
ALLOther income	— – Confirm amount with bank	6–240	See nominal interest aboveSubject to profile and bank assessment.
EUROther income	5,000 – 1,000,000	6–240	See nominal interest aboveSubject to profile and bank assessment.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi për blerje dyqani dhe toke

ABI — Kredi për dyqan dhe tokë, 20 korrik 2026 ↗Reviewed pages: 1, 2, 3, 4