Super Loan
Personal financing with salary, rental or business income.
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
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-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
ALL · Lekë
Then: 12M T-bills + 4–11 points; corresponding floors 5–12%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Employment, income & eligibility
Stable declared salary, rental or business income. Co-borrowers may be required.
- Income source
- Stable declared salary, rent through a bank or private-business income is accepted. Assessment may require 1–2 co-borrowers. Source ↗
- Documents by income
- ID, application and address; family certificate above ALL 500,000. Salary: 6 months of bank records and contributions. Rent: contract, ownership and bank credits. Business: registration, tax records and up to 3 years of turnover. Foreign applicants provide work/residence permits. Co-borrowers provide the same documents. 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
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Limits by assessment
- AAA/AA/A: up to ALL 3 million and 120 months, no co-borrower. BBB/BB/B: 2 million and 84 months; B requires one co-borrower. CCC/CC: 1 million and 84 months, with two co-borrowers. Source ↗
- Fee and refinancing
- Disbursement 1%, minimum ALL 3,000. The 0% buyout fee applies when the entire amount repays other loans. Source ↗
- Early repayment
- During fixed pricing: 1% with over one year remaining / 0.5% with under one year. No compensation fee during variable pricing; contractual interest remains payable. Partial prepayment must equal at least one instalment. Source ↗
Benefits and limitations
✓ Up to ALL 3 million
✓ Up to 10 years
4–11% is the assessment-based 12-month initial rate, followed by T-bills plus margin and floor. The old 14.14% APR illustration does not match current rates and is not presented as current APR.
| Currencies | ALL |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum amount | ALL 3,000,000 |
| Maximum term (months) | 120 |
| Published APR (%) | Not confirmed |
| Fees | 1%; min. 3,000 ALL. Refinancing: 0%. |
| Collateral | Co-borrowers may be required. |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLAAA / AA / A | — – 3,000,000 | —–120 | See nominal interest aboveThe bank assigns the rating, not the applicant. B requires one co-borrower; CCC/CC require two. |
| ALLBBB / BB / B | — – 2,000,000 | —–84 | See nominal interest aboveThe bank assigns the rating, not the applicant. B requires one co-borrower; CCC/CC require two. |
| ALLCCC / CC | — – 1,000,000 | —–84 | See nominal interest aboveThe bank assigns the rating, not the applicant. B requires one co-borrower; CCC/CC require two. |
Official sources and supporting terms
Product page on the bank’s website ↗
shkarkoni ↗Reviewed pages: 1
shkarkoni ↗Reviewed pages: 1, 3, 4