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 paid into BKT reduces the rate by 0.5 percentage points in both currencies.

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 ↗

USD

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

Employment, income & eligibility

Documented income and collateral accepted by the bank.

Income: Salary certificate and at least six months of statements; business or rental income requires supporting records. Source ↗
Documents: ID, family certificate, title, map and property record. For works: cost estimate and permit as applicable. 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 →

USD: Not confirmed

The reviewed bank examples are in another currency.

Repayment, costs & documents

Disbursement fee: 1% of principal; 0% for refinancing another bank. Source ↗
Life insurance: Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45. Source ↗
Other costs: Property valuation approximately LEK 7,500–30,000; notary, mortgage registration and insurance separately. Source ↗
Early repayment: 2% when more than one year remains; 1% with up to one year remaining. Source ↗
Funding and collateral: Depending on property category: up to 85%/80% in ALL and 75%/70% in EUR; shop collateral up to 75%. Cannot exceed the works budget. Source ↗
Staged disbursement: Works are funded in at least two stages. The website estimate assumes the whole loan is drawn at once. Source ↗

Benefits and limitations

✓ Up to 15 years

✓ Lower interest for BKT salary customers

Rates assume life insurance. Without it, add 0.5 percentage points up to age 45 or 1 point above 45.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Salary paid into BKT reduces the rate by 0.5 percentage points in both currencies.
Maximum term (months)	180
Published APR (%)	ALL: 4.84% EUR: Not confirmed · see examples and conditions
Fees	1%; rifinancim 0%
Collateral	Hipotekë mbi pronë / Property mortgage

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLBKT salary customers	— – 12,000,000	—–180	3%Subject to profile and bank assessment.
ALLStandard	— – 12,000,000	—–180	3.5%Subject to profile and bank assessment.
EURBKT salary customers	— – 120,000	—–180	3.5%Subject to profile and bank assessment.
EURStandard	— – 120,000	—–180	4%Subject to profile and bank assessment.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi për rregullim shtëpie

Kredi Hipotekore Liste Dokumentacioni 2026 ↗Reviewed pages: 1, 2

BKT · Informacioni parakontraktor për kredi konsumatore me kolateral ↗Reviewed pages: 1, 2, 3, 4, 5, 6, 7