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.

Currency unconfirmed

No confirmed interest rate for these selections. Request a quote from the bank.

Business eligibility and documents

For farm needs and agricultural investment. Obtain the amount, currency, interest and fees from the bank.

Who can apply: For farm needs and agricultural investment. Obtain the amount, currency, interest and fees from the bank. 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 →

APR: Not confirmed

No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.

Repayment, costs & documents

Payments and grace period: Activity-linked payments; grace period up to 6 months for working capital or 12 months for investment. The bank specifies the actual schedule. Source ↗
Collateral: No collateral. Source ↗
Currency, interest and fees: Not published on the product page. Request a bank quotation. Source ↗

Benefits and limitations

✓ Working capital: up to 12 months

✓ Investment: up to 36 months

Key published conditions
Currencies	Not verified
Maximum term (months)	36
Published APR (%)	Not confirmed
Collateral	Pa kolateral.

Official sources and supporting terms

Product page on the bank’s website ↗