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.

Currency unconfirmed

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

Business eligibility and documents

Businesses with an investment project; amount and security depend on operations and the project.

Who can apply: Businesses with an investment project; amount and security depend on operations and the project. 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 →

APR: Not confirmed

The bank does not publish APR for this product. Request a quote with interest, fees and the repayment schedule.

Repayment, costs & documents

Repayment plan: Seasonal repayment can follow business revenue. Source ↗
What needs confirmation: The page does not specify currency, numeric interest or APR. Request a quote for your project. Source ↗

Benefits and limitations

✓ Up to 15 years

✓ Seasonal repayment available

Final interest, APR and fees are provided in the bank’s individual quote.

Key published conditions
Currencies	Not verified
Maximum term (months)	180
Published APR (%)	Not confirmed

Official sources and supporting terms

Product page on the bank’s website ↗