Secured consumer loan
Personal spending 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)
ALL · BKT salary customers · Fixed for the first 12 months
- Year 1
- 3.5%Fixed rate
- From year 2
- BTH 12M + 2.5%, min 3.5%
ALL · Standard · Fixed for the first 12 months
- Year 1
- 4%Fixed rate
- From year 2
- BTH 12M + 3%, min 4%
EUR · BKT salary customers · Fixed for the first 12 months
- Year 1
- 4%Fixed rate
- From year 2
- Euribor 12M + 3.5%, min 4.5%
EUR · Standard · Fixed for the first 12 months
- Year 1
- 4.5%Fixed rate
- From year 2
- Euribor 12M + 4%, min 5%
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 paid into BKT reduces the rate by 0.5 percentage points in both currencies.
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 ↗ALL · Lekë
- Year 1
- 3.5%Fixed rate
- From year 2
- BTH 12M + 2.5%, min 3.5%
Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.
Official terms ↗- Year 1
- 4%Fixed rate
- From year 2
- BTH 12M + 3%, min 4%
Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.
Official terms ↗EUR · Euro
- Year 1
- 4%Fixed rate
- From year 2
- Euribor 12M + 3.5%, min 4.5%
Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.
Official terms ↗- Year 1
- 4.5%Fixed rate
- From year 2
- Euribor 12M + 4%, min 5%
Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.
Official terms ↗Employment, income & eligibility
Documented income and collateral accepted by the bank.
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 →
- ALL
- Not confirmed
- EUR
- Not confirmed
The PDF’s 4.84% APR belongs to home renovation, not this consumer loan. Request an APR for your amount and term.
Repayment, costs & documents
- Disbursement fee
- 1.5% for new customers, 1% for existing customers, 0% for refinancing. Source ↗
- Life insurance
- Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45. Source ↗
- Other costs
- Property valuation approximately LEK 7,500–30,000; notary, mortgage registration and insurance separately. Source ↗
- Early repayment
- 2% when more than one year remains; 1% with up to one year remaining. Source ↗
Benefits and limitations
✓ Up to 10 years
✓ Lower interest for BKT salary customers
Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary paid into BKT reduces the rate by 0.5 percentage points in both currencies. |
| Maximum term (months) | 120 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1.5% klient i ri; 1% ekzistues; 0% rifinancim |
| Collateral | Hipotekë mbi pronë / Property mortgage |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLBKT salary customers | — – 6,000,000 | —–120 | 3.5%Subject to profile and bank assessment. |
| ALLStandard | — – 6,000,000 | —–120 | 4%Subject to profile and bank assessment. |
| EURBKT salary customers | — – 60,000 | —–120 | 4%Subject to profile and bank assessment. |
| EURStandard | — – 60,000 | —–120 | 4.5%Subject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi konsumatore me kolateral
Kredi Hipotekore Liste Dokumentacioni 2026 ↗Reviewed pages: 1, 2
BKT · Informacioni parakontraktor për kredi konsumatore me kolateral ↗Reviewed pages: 1, 2, 3, 4, 5, 6, 7