Home Loan
Buy or build a home, with terms depending on currency and salary relationship.
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
Not published in USD. Published currencies: LEK, EUR. Change your choices to calculate a payment within the bank’s published limits.
Edit your choices →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 ↗USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Documented salary, rental or business income; salary applicants provide at least 6 months of evidence. Property secures the loan.
- 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 ↗
- 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 ↗
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
- Amount and term
- Up to ALL 50 million and 25 years. The PDF caps EUR at 400,000, the webpage at 500,000; confirm the EUR limit. Construction uses at least two disbursements. Source ↗
- Financing by currency
- First home: up to 85% ALL / 75% EUR. Second home: up to 80% ALL / 70% EUR. Based on the lower of purchase price and collateral value. Source ↗
- Life insurance and interest
- Without life insurance, the rate rises by 0.5 points up to age 45 and 1 point above 45. Source ↗
- Fees and property insurance
- Disbursement 1%, or 0% for refinancing another bank. Annual property insurance, valuation, notary and mortgage registration cost extra. Source ↗
- Early repayment
- 2% of the prepaid amount with over 1 year remaining; 1% with at most 1 year. Source ↗
Benefits and limitations
✓ Up to 25 years
✓ Up to ALL 50 million; confirm EUR cap
4.27% APR is the ALL 10 million/20-year illustration, not a personal quote. The PDF customer label and EUR cap need BKT clarification.
Introductory rates apply for the first year. Financing share varies by currency, first/subsequent purchase and collateral.
| 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: 4.27% EUR: Not confirmed · see examples and conditions |
| Fees | Disbursim / Disbursement: 1%; rifinancim / refinancing: 0% |
| Collateral | Hipotekë mbi pronë / Property mortgage |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLHome purchase / construction | — – 50,000,000 | —–300 | See nominal interest aboveUp to ALL 50 million. EUR cap: webpage 500,000, PDF 400,000; confirm with BKT. The new sheet does not confirm a minimum. |
| EURHome purchase / construction | — – Confirm amount with bank | —–300 | See nominal interest aboveUp to ALL 50 million. EUR cap: webpage 500,000, PDF 400,000; confirm with BKT. The new sheet does not confirm a minimum. |
Official sources and supporting terms
Product page on the bank’s website ↗
Kredi Hipotekore Liste Dokumentacioni 2026 ↗Reviewed pages: 1
Informacioni parakontraktor hipotekor · rishikuar më 24.08.2026 ↗Reviewed pages: 3, 4, 5, 7