Shop and land purchase loan
For buying a shop or land, secured against property.
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 (4)
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
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
EUR · Euro
- 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 ↗- 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 ↗- 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 ↗- 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.
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 →
- EUR
- Not confirmed
The reviewed bank examples are in another currency.
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
| 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