Zero Level Home Loan
Buy a home from a construction company with an agreement with BKT.
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)
ALL · Payroll · Fixed for the first 12 months
- Year 1
- 4%Fixed rate
- Years 2–25
- BTH 12M + 3%, min 4%
ALL · Standard · Fixed for the first 12 months
- Year 1
- 4.5%Fixed rate
- Years 2–25
- BTH 12M + 3.5%, min 4.5%
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.
BKT publishes lower rates for payroll customers. The bank confirms salary-transfer conditions.
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
- 4%Fixed rate
- Years 2–25
- BTH 12M + 3%, min 4%
Subject to customer category and the builder agreement. Listed rates assume life insurance; declining it adds an age-dependent surcharge. Annual reset after year one.
Official terms ↗- Year 1
- 4.5%Fixed rate
- Years 2–25
- BTH 12M + 3.5%, min 4.5%
Subject to customer category and the builder agreement. Listed rates assume life insurance; declining it adds an age-dependent surcharge. Annual reset after year one.
Official terms ↗Employment, income & eligibility
The property must be purchased from a company with a BKT agreement; the bank assesses income and security.
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 verified APR specifically for Zero Level was found. The linked PDF describes general mortgage products without identifying this product.
Repayment, costs & documents
- Financing and security
- Up to 60% of the sale price, with an additional limit under the builder agreement. The property under construction may secure the loan; the bank page requires its price to be at least 167% of the loan. Source ↗
- Without life insurance
- Choosing no life insurance increases interest by 0.5 percentage points up to age 45, or 1 percentage point above 45. Source ↗
Benefits and limitations
✓ Up to 25 years
✓ Fixed rate for the first year
Financing up to 60% of the property price, subject to the builder agreement limit.
After year one the rate resets annually. The bank confirms the final offer and other costs.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | BKT publishes lower rates for payroll customers. The bank confirms salary-transfer conditions. |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | Komision disbursimi 1% e shumës së kredisë. Kostot e tjera sipas ofertës. |
| Collateral | Prona që blihet sipas marrëveshjes së BKT me ndërtuesin; përjashtimet konfirmohen nga banka. |
| Loan-to-value (%) | 60 |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Afatet dhe Kushtet — Kredi Nivel Zero