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-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

USD

No confirmed interest rate for these selections. Request a quote from the bank.

Employment, income & eligibility

The family must be on the beneficiary list sent by the municipality to BKT, and the bank must approve the loan. A product listing does not establish that the municipality is currently accepting applications.

Guarantors: The bank requires adult members of the beneficiary family certificate as guarantors. Source ↗
Identity and income: ID and family certificate; salary evidence, bank statements for the last six months and contributions. Self-employed applicants need business and income records. Source ↗
Home documents: Title documents, valuation and sale agreement; properties under construction also need the relevant agreement and permit. 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 programme page does not publish APR. The 2.62% example in the general mortgage PDF belongs to a different scenario.

Repayment, costs & documents

Amount and term: Up to 35 years. The amount cannot exceed the limit in the institution list or 100% of the home value. Source ↗
Fee: 1% commitment fee. Source ↗
Condition for 0% interest: Only where the term exceeds 25 years and instalments are paid regularly: 0% in the final 5 years. Source ↗
Collateral and guarantees: Property security and the guarantors specified by the bank are required. Source ↗

Benefits and limitations

✓ Only for beneficiaries on the municipal list

✓ Term up to 35 years

Not treated as a general offer for every borrower; programme eligibility is required.

Key published conditions
Currencies	ALL
Salary at the lending bank	Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Maximum term (months)	420
Published APR (%)	Not confirmed
Fees	Komision angazhimi 1% / 1% commitment fee
Collateral	Pronë e pranuar nga banka / Property accepted by the bank

Official sources and supporting terms

Product page on the bank’s website ↗

BKT · Projekti i Strehimit · Dokumentet e nevojshme ↗Reviewed pages: 1