Shop purchase or construction loan
Finance commercial premises, professional offices or rental investment.
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
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 customers receiving salary at BKT, both in year one and in the follow-on formula. Compare payroll and other-customer options below.
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
Then: BTH 12M + 2%, min 3%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗Then: BTH 12M + 2.5%, min 3.5%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗EUR · Euro
Then: Euribor 12M + 3%, min 4%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗Then: Euribor 12M + 3.5%, min 4.5%
Annual reset after the initial period. Without life insurance: +0.5 points up to age 45, +1 point above 45.
Official terms ↗Employment, income & eligibility
Individuals with employment income or self-employed professionals purchasing/building business premises.
- Salary transfer and pricing
- Payroll rates apply to salary received at BKT; other customers have a separate option. Life-insurance choices affect the rate. Source ↗
- Employment and purpose
- Individuals with employment income or self-employed professionals purchasing/building business premises. Source ↗
- Income evidence
- Salary: salary certificate and at least 6 months of account statements or social-insurance evidence. Rent: contract, ownership documents and bank statements. Business: registration, financial statements and tax records. Source ↗
- Criteria and documents
- Individuals with employment income or self-employed professionals purchasing/building business premises. 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
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Financing and collateral
- Up to 100% of investment when the financed shop is non-residential collateral, but loan capped at 75% of collateral value. With residential collateral, investment funding is limited to 80% ALL / 70% EUR; applicable collateral limits also apply. Source ↗
- Life insurance
- Opting out of life insurance increases the rate by 0.5 percentage points up to age 45, or 1 point above 45. Source ↗
- Financing and purpose
- Buying or building a shop/office/professional unit; term up to 25 years and loan capped at 75% of collateral value. Source ↗
- Administration and refinancing
- Administration 1%; 0% when transferring a loan from another bank. After the initial period, interest varies with the ALL/EUR benchmark and salary profile. Source ↗
Benefits and limitations
✓ Up to 25 years in ALL or EUR
✓ Up to ALL 50 million / EUR 500,000
Approval depends on income, property and bank assessment. A complete quote is required for your personal APR.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | BKT publishes lower rates for customers receiving salary at BKT, both in year one and in the follow-on formula. Compare payroll and other-customer options below. |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1%; 0% për transferim / 0% for refinancing |
| Loan-to-value (%) | 75 |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPayroll | — – 50,000,000 | —–300 | 3%Fixed 12 months, then BTH 12M + 2%, min 3%; annual reset. |
| ALLOther customers | — – 50,000,000 | —–300 | 3.5%Fixed 12 months, then BTH 12M + 2.5%, min 3.5%; annual reset. |
| EURPayroll | — – 500,000 | —–300 | 3.5%Fixed 12 months, then Euribor 12M + 3%, min 4%; annual reset. |
| EUROther customers | — – 500,000 | —–300 | 4%Fixed 12 months, then Euribor 12M + 3.5%, min 4.5%; annual reset. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për blerje ose ndërtim dyqani
Liste dokumentacioni ↗Reviewed pages: 1