Personal financing secured by your savings without withdrawing them.
ALL · Deposit-rate option · Annual interest
ALL · Variable option · up to five years · Annual interest
EUR · Deposit-rate option · Annual interest
EUR · Variable option · up to five years · Annual interest
USD · Deposit-rate option · Annual interest
USD · Variable option · up to five years · 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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Fixed for terms up to five years. For longer terms, fixed for the first five years, followed by a variable formula. Request the deposit rate at application.
Official terms ↗Only for terms up to five years. See the transition terms for longer loans.
Official terms ↗Fixed for terms up to five years. For longer terms, fixed for the first five years, followed by a variable formula. Request the deposit rate at application.
Official terms ↗Only for terms up to five years. See the transition terms for longer loans.
Official terms ↗Fixed for terms up to five years. For longer terms, fixed for the first five years, followed by a variable formula. Request the deposit rate at application.
Official terms ↗Only for terms up to five years. See the transition terms for longer loans.
Official terms ↗A deposit or government security accepted by BKT. A third-party owner must guarantee the loan, and income evidence is required.
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 →
Illustration in the May 2024 PDF, not a current rate: deposit 3.1% + 1.5% = 4.6% for five years; example T-bills 3.71%, fee 0.5%. The deposit rate and chosen schedule require confirmation.
Bank’s example · page 4 ↗✓ Financing without withdrawing the deposit
✓ ALL, EUR and USD
| Currencies | ALL, EUR, USD |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: 4.73% EUR: Not confirmed USD: Not confirmed · see examples and conditions |
| Fees | 0–0.5% sipas PDF-së së lidhur / under the linked PDF |
| Collateral | Depozitë e bllokuar |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPublished limits | — – 100,000,000 | —–300 | See nominal interest aboveSubject to purpose, security and bank assessment. |
| EURPublished limits | — – 1,000,000 | —–300 | See nominal interest aboveSubject to purpose, security and bank assessment. |
| USDPublished limits | — – 1,000,000 | —–300 | See nominal interest aboveSubject to purpose, security and bank assessment. |
Product page on the bank’s website ↗
Source section: Kredi me peng depozite
BKT — Dokumentet për kredi me peng depozite ose titujsh ↗Reviewed pages: 1
BKT — Kredi me peng depozite / titujsh · rishikuar maj 2024 ↗Reviewed pages: 1, 2, 3, 4, 5
