Home loan for Kosovo citizens
Purchase a home in Albania for Kosovo citizens living and working in Albania or Kosovo.
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 (2)
ALL · With life insurance · Fixed for the first 12 months
- Year 1
- 3.5%Fixed rate
- From year 2
- BTH 12M + 2.5%, min 3.5%
EUR · With life insurance · Fixed for the first 12 months
- Year 1
- 3.5%Fixed rate
- From year 2
- Euribor 12M + 3%, min 4%
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.
No separate salary-transfer discount is published.
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
- Year 1
- 3.5%Fixed rate
- From year 2
- BTH 12M + 2.5%, min 3.5%
Rates assume life insurance. Opting out adds 0.5 percentage points up to age 45 or 1 point above age 45.
Official terms ↗EUR · Euro
- Year 1
- 3.5%Fixed rate
- From year 2
- Euribor 12M + 3%, min 4%
Rates assume life insurance. Opting out adds 0.5 percentage points up to age 45 or 1 point above age 45.
Official terms ↗Employment, income & eligibility
Purchase a home in Albania for Kosovo citizens living and working in Albania or Kosovo.
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
The PDF’s 4.27% APR uses 2.5% initially and a 1.5% margin, unlike the product’s 3.5% and 2.5% margin. Request an updated APR for your offer.
Repayment, costs & documents
Benefits and limitations
✓ Up to 20 years
✓ ALL or EUR financing
Rates assume life insurance. Opting out adds 0.5 percentage points up to age 45 or 1 point above age 45.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | No separate salary-transfer discount is published. |
| Maximum term (months) | 240 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1%; 0% për transferim kredie nga bankë tjetër në Shqipëri |
| Collateral | Hipotekë mbi pronë / Property mortgage |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLHome purchase | 5,000,000 – 50,000,000 | —–240 | 3.5%Up to 70% of home purchase and collateral value; subject to bank assessment. |
| EURHome purchase | 50,000 – 500,000 | —–240 | 3.5%Up to 65% of home purchase and collateral value; subject to bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për shtëpi për shtetas të Kosovës
BKT — Kredi për shtetas të Kosovës, informacion parakontraktor ↗Reviewed pages: 1, 2, 3, 5
BKT — Dokumentet për shtetas të Kosovës ↗Reviewed pages: 1, 2