Loan secured by a deposit
Personal financing secured by your savings without withdrawing them.
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 · Deposit-rate option · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.7%
- From year 2
- Not confirmed by the bank
EUR · Variable option · up to five years · Annual interest
- Year 1
- Euribor 12M + 1%, min 3%Variable · the benchmark may change
- From year 2
- Euribor 12M + 1%, min 3%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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
EUR · Euro
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.7%
- From year 2
- Not confirmed by the bank
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 ↗- Year 1
- Euribor 12M + 1%, min 3%Variable · the benchmark may change
- From year 2
- Euribor 12M + 1%, min 3%Variable · the benchmark may change
Only for terms up to five years. See the transition terms for longer loans.
Official terms ↗Employment, income & eligibility
A deposit or government security accepted by BKT. A third-party owner must guarantee the loan, and income evidence is required.
- Documents
- Application form, ID and family certificate; original certificate for securities. Third-party collateral also requires all parties’ IDs and income evidence. 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 →
- EUR
- Not confirmed
The reviewed bank examples are in another currency.
Repayment, costs & documents
- Financing limit
- The page caps lending at 90% of the deposit. The PDF requires 110% coverage in the same currency and 120% across currencies; the bank confirms your applicable limit. Source ↗
- Repayment
- With third-party collateral: monthly principal-and-interest payments. With the borrower’s own collateral, repayment of the borrowed amount at maturity may also be selected. Source ↗
- Fees and costs
- The linked May 2024 revision lists 0–0.5% disbursement, about ALL 3,800 notary cost per contract and about ALL 1,400 pledge registration. Confirm current costs. Source ↗
- After the first five fixed years
- ALL: T-bills + 1%, floor 3.5% for terms up to ten years or 4% above ten years. EUR: Euribor + 1%, floor 3%. USD: SOFR + 1%, floor 3.5%. Source ↗
Benefits and limitations
✓ 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 |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
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