Pensioner loan
Up to ALL 250,000 or ten monthly pensions, over up to five years.
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 (3)
ALL · Up to age 54 at maturity · Fixed throughout
- Year 1
- 16%Fixed rate
- From year 2
- 16%Same fixed rate until repayment
ALL · Above 54 to age 64 at maturity · Fixed throughout
- Year 1
- 18%Fixed rate
- From year 2
- 18%Same fixed rate until repayment
ALL · Above 64 to age 75 at maturity · Fixed throughout
- Year 1
- 25%Fixed rate
- From year 2
- 25%Same fixed rate until repayment
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.
ALL · Lekë
- Year 1
- 16%Fixed rate
- From year 2
- 16%Same fixed rate until repayment
The rate depends on age at maturity, not only current age.
Official terms · page 1 ↗- Year 1
- 18%Fixed rate
- From year 2
- 18%Same fixed rate until repayment
The rate depends on age at maturity, not only current age.
Official terms · page 1 ↗- Year 1
- 25%Fixed rate
- From year 2
- 25%Same fixed rate until repayment
The rate depends on age at maturity, not only current age.
Official terms · page 1 ↗Employment, income & eligibility
Pension must be paid into BKT; age at loan maturity no greater than 75. Guarantors required.
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
The PDF’s 27.77% APR uses ALL 300,000, above the current ALL 250,000 limit. Request an updated illustration.
Repayment, costs & documents
Benefits and limitations
✓ Fixed interest throughout
✓ No property mortgage
| Currencies | ALL |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum amount | ALL 250,000 |
| Maximum term (months) | 60 |
| Published APR (%) | Not confirmed |
| Fees | 1.5%; noter rreth 3,800 LEK |
| Collateral | Pa kolateral; me dorëzanës / Unsecured; guarantors required |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për pensionistë
BKT — Dokumentet për kredi pensionisti ↗Reviewed pages: 1
BKT — Kredi pensionisti, informacion parakontraktual ↗Reviewed pages: 1, 2, 3