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

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 ↗

USD

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

Employment, income & eligibility

Documented income, collateral and a bank credit assessment of at least CC.

Documents: ID, family certificate, income evidence and property documents; salary applicants provide at least six months of account statements. Source ↗
Bank assessment: BKT requires a minimum internal rating of CC; the bank assesses the application. 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 →

USD: 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.

Key published conditions
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