Commercial mortgage

For buying commercial premises or refinancing a commercial mortgage.

Banka Kombëtare Tregtare

Provider: Directly by the bank. No sponsored placement.

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 · Business · Fixed for the first 36 months

Year 1: 5%Fixed rate

Years 2–3: 5%Fixed rate
From year 4: BTH 12M + 4%, min 5%

EUR · Business · Fixed for the first 36 months

Year 1: 5%Fixed rate

Years 2–3: 5%Fixed rate
From year 4: Euribor 12M + 4%, min 5%

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Your product context

ALL EUR

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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.

ALL · Lekë

BusinessFixed for the first 36 months

Year 1: 5%Fixed rate

Years 2–3: 5%Fixed rate
From year 4: BTH 12M + 4%, min 5%

Request a personal repayment schedule from the bank.

Official terms ↗

EUR · Euro

BusinessFixed for the first 36 months

Year 1: 5%Fixed rate

Years 2–3: 5%Fixed rate
From year 4: Euribor 12M + 4%, min 5%

Request a personal repayment schedule from the bank.

Official terms ↗

Business eligibility and documents

SMEs and trading businesses seeking long-term financing for commercial premises.

Intended borrowers: Small and medium businesses purchasing commercial premises or refinancing commercial mortgages. 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 →

ALL: Not confirmed
EUR: Not confirmed

No completed APR is published for this offer. Request a precontractual quote for your amount and term.

Repayment, costs & documents

Amount: Up to EUR 1 million or its ALL equivalent; no exchange rate is assumed. Source ↗
Repayment plan: 25% of the borrowed amount is repaid in the first five years, 35% in the next five and 40% in the final five. Source ↗

Benefits and limitations

✓ Purchase or refinance commercial premises

✓ 5% fixed for the first three years

Fees and APR are unpublished. The installment requires the bank’s staged principal-repayment schedule.

Key published conditions
Currencies	ALL, EUR
Maximum term (months)	180
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Collateral	Hipotekë tregtare / Commercial mortgage

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLPublished limits	— – Confirm amount with bank	—–180	See nominal interest aboveSubject to purpose, security and bank assessment.
EURPublished limits	— – 1,000,000	—–180	See nominal interest aboveSubject to purpose, security and bank assessment.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi tregtare hipotekore