Variable-rate home loan where the bank adjusts the term to maintain the monthly installment.
ALL · BKT payroll · Annual interest
ALL · Standard · Annual interest
EUR · BKT payroll · Annual interest
EUR · Standard · Annual interest
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
BKT payroll customers receive a rate 0.5 percentage points below standard customers. Life insurance separately affects pricing.
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Bank’s salary conditions ↗Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗Documented income, collateral and a bank credit assessment of at least CC.
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 payroll illustration: index 2.87% + 1.5%, 1% fee and 1.5% life insurance. The table labels the index Euribor although ALL terms use T-bills; the property-insurance amount also needs clarification. Not a comparable current quote.
Excluded from lowest-APR rankings.
Bank’s example · page 5 ↗✓ Term adjusts with interest
✓ ALL and EUR
No guessed installment: the bank must confirm the adjustable-term schedule and rate-adjustment limit.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | BKT payroll customers receive a rate 0.5 percentage points below standard customers. Life insurance separately affects pricing. |
| Maximum term (months) | 144 |
| Published APR (%) | ALL: 4.95% EUR: Not confirmed · see examples and conditions |
| Fees | 1%; 0% për transferim kredie / 0% for refinancing |
| Collateral | Hipotekë mbi pronë / Property mortgage |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPublished limits | — – 50,000,000 | —–144 | See nominal interest aboveSubject to purpose, security and bank assessment. |
| EURPublished limits | — – 500,000 | —–144 | See nominal interest aboveSubject to purpose, security and bank assessment. |
Product page on the bank’s website ↗
Source section: Kredi Flexi për shtëpi
Kredi Hipotekore Liste Dokumentacioni 2026 ↗Reviewed pages: 1, 2
BKT — Kredi Flexi hipotekore · gusht 2026 ↗Reviewed pages: 1, 2, 3, 4, 5, 6, 7
