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 at the lending bank
Lower pricing requires both salary paid into Credins and the Paga Plus package. Salary transfer alone is insufficient.
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.
Salaried applicants or documented business income; subject to affordability assessment.
Affordability
The bank assesses salary/business income and other commitments; its published 60% affordability threshold includes exposures and family expenses. 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.
Bank illustration for 36 months. Published total does not fully reconcile with instalments; confirm final costs and insurance. Excluded from APR rankings.
Bank illustration for 36 months. Published total does not fully reconcile with instalments; confirm final costs and insurance. Excluded from APR rankings.
Bank illustration for 36 months. Published total does not fully reconcile with instalments; confirm final costs and insurance. Excluded from APR rankings.
Bank illustration for 36 months. Published total does not fully reconcile with instalments; confirm final costs and insurance. Excluded from APR rankings.
2.5% disbursement; online application ALL 0, branch ALL 1,000. Account: Paga Plus ALL 180, basic package ALL 130. Source ↗
Insurance and security
No collateral or guarantor, subject to affordability. Life insurance 0.68–2.17% of principal depending on term. Source ↗
After year one
For terms over 36 months the bank quotes a margin range. Later payments require your individual margin; no single later instalment is inferred. Source ↗
Early repayment
During fixed pricing: up to 1% with over one year left, up to 0.5% with up to one year left. No fee during variable pricing. Source ↗
Benefits and limitations
✓ Up to seven years
✓ Unsecured, subject to affordability
The bank labels 12.30% and 14.70% as “after year one”; they are not treated as whole-loan APRs.
Key published conditions
Currencies
ALL
Salary at the lending bank
Lower pricing requires both salary paid into Credins and the Paga Plus package. Salary transfer alone is insufficient.
