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

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

Government-security collateralAnnual interest

Year 1: BTH 12M + 1.5%, min 3.5%Variable · the benchmark may change

From year 2: BTH 12M + 1.5%, min 3.5%Variable · the benchmark may change

Request a personal repayment schedule from the bank.

Official terms · page 2 ↗

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 →

ALL: Not confirmed

No completed APR is published for this offer. Request a precontractual quote for your amount and term.

Repayment, costs & documents

Financing limit: Up to 90% of the security value, capped at ALL 100 million. 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 ↗

Benefits and limitations

✓ Up to 90% of security value

✓ Financing in ALL

Key published conditions
Currencies	ALL
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 (%)	Not confirmed
Fees	0–0.5% sipas PDF-së së lidhur / under the linked PDF
Collateral	Titull qeveritar i 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.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi me peng titulli qeveritar

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