Flexi home loan
Variable-rate home loan where the bank adjusts the term to maintain the monthly installment.
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 (2)
EUR · BKT payroll · Annual interest
- Year 1
- Euribor 12M + 2.5%, min 3.5%Variable · the benchmark may change
- From year 2
- Euribor 12M + 2.5%, min 3.5%Variable · the benchmark may change
EUR · Standard · Annual interest
- Year 1
- Euribor 12M + 3%, min 4%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3%, min 4%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.
BKT payroll customers receive a rate 0.5 percentage points below standard customers. Life insurance separately affects pricing.
What does salary transfer mean?
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 ↗EUR · Euro
- Year 1
- Euribor 12M + 2.5%, min 3.5%Variable · the benchmark may change
- From year 2
- Euribor 12M + 2.5%, min 3.5%Variable · the benchmark may change
Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗- Year 1
- Euribor 12M + 3%, min 4%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3%, min 4%Variable · the benchmark may change
Without life insurance, add 0.5 percentage points up to age 45 and 1 point above 45.
Official terms · page 2 ↗Employment, income & eligibility
Documented income, collateral and a bank credit assessment of at least CC.
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
- Term and installment
- The initial term is 12 years and may change up to 25 years with the benchmark. This is not a 25-year fixed rate. Source ↗
- Financing
- First home: up to 85% in ALL / 75% in EUR. Subsequent or rental home: 80% / 70%. Shop collateral: up to 75%. Source ↗
- Fees
- 1% disbursement, waived for refinancing. Prepayment: 2% with over a year remaining, 1% with up to a year. Insurance, notary and valuation are additional. Source ↗
Benefits and limitations
✓ 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 |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
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