Up to three net salaries, with interest only for the amount and days used.
ALL · Public sector · Annual interest
ALL · Private sector · Annual interest
EUR · BKT salary customer · Annual interest
USD · BKT salary customer · Annual interest
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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 must be paid into BKT. No mortgage or guarantor required.
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 ↗The rate changes with the index at calendar year-end. Interest is calculated on daily use on a 360-day basis.
Official terms · page 1 ↗The rate changes with the index at calendar year-end. Interest is calculated on daily use on a 360-day basis.
Official terms · page 1 ↗The rate changes with the index at calendar year-end. Interest is calculated on daily use on a 360-day basis.
Official terms · page 1 ↗The rate changes with the index at calendar year-end. Interest is calculated on daily use on a 360-day basis.
Official terms · page 1 ↗Salary must be paid into BKT. No mortgage or guarantor required.
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 130,000 used for 30 days, 1.89% T-bills + 11%, ALL 1,396.42 interest. The example index is not current; 12.89% is not the APR of your offer.
Bank’s example · page 2 ↗✓ Up to three net salaries
✓ No mortgage or guarantor
| Currencies | ALL, EUR, USD |
|---|---|
| Salary at the lending bank | Salary must be paid into BKT. No mortgage or guarantor required. |
| Published APR (%) | ALL: 12.89% EUR: Not confirmed USD: Not confirmed · see examples and conditions |
| Fees | Pa kosto shtesë sipas fletës parakontraktore / No extra costs under the precontract sheet |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLUp to three net salaries | — – 500,000 | See nominal interest aboveSubject to profile and bank assessment. | |
| EURUp to three net salaries | — – 5,000 | See nominal interest aboveSubject to profile and bank assessment. | |
| USDUp to three net salaries | — – 5,000 | See nominal interest aboveSubject to profile and bank assessment. |
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
BKT — Paradhënie bankare, informacion parakontraktor ↗Reviewed pages: 1, 2, 3
