Salary overdraft
Up to three net salaries, with interest only for the amount and days used.
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
- Year 1
- SOFR 12M + 13%Variable · the benchmark may changeMonthly payment—
- From year 2
- SOFR 12M + 13%Variable · the benchmark may changeMonthly payment—
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.
Salary must be paid into BKT. No mortgage or guarantor required.
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 ↗USD
- Year 1
- SOFR 12M + 13%Variable · the benchmark may change
- From year 2
- SOFR 12M + 13%Variable · the benchmark may change
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 ↗Employment, income & eligibility
Salary must be paid into BKT. No mortgage or guarantor required.
- Salary and approval
- Salary must be paid into BKT. No mortgage or guarantor required. 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 reviewed bank examples are in another currency.
Repayment, costs & documents
- Limit
- Up to three net salaries; maximum ALL 500,000, EUR 5,000 or USD 5,000. In the salary currency. Source ↗
- Repayment
- Interest is paid at each month-end. The amount used can be repaid partly or fully at any time; there is no fixed monthly installment. Source ↗
- Term
- Continues while employment and salary credits through BKT continue. Source ↗
- Additional costs
- The precontract sheet lists no additional overdraft costs; a salary account and debit card are linked to the product. Source ↗
Benefits and limitations
✓ 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 |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
BKT — Paradhënie bankare, informacion parakontraktor ↗Reviewed pages: 1, 2, 3