Independent comparisons. Official bank sources.How we compare
SQ

Home Loan

Home loan in ALL, EUR or USD, up to 25 years. Fixed first-year rate followed by a benchmark and payroll-specific margin.

Credins Bank
Provider: Directly by the bank. No sponsored placement.

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.

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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 at the lending bank

PagaPlus pricing requires salary at Credins and the relevant package. Customers without that package have different rates, even if they hold an account. See both options by currency.

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 ↗

ALL · Lekë

Salary paid into this bankPagaPlus4.9%Fixed for the first year

Then: Repo + 2–6%, min 6%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 1 ↗
Other customersWithout PagaPlus5.9%Fixed for the first year

Then: Repo + 3–7%, min 7%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 1 ↗

EUR · Euro

Salary paid into this bankPagaPlus4.5%Fixed for the first year

Then: Euribor + 2–6%, min 5%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 1 ↗
Other customersWithout PagaPlus5.5%Fixed for the first year

Then: Euribor + 3–7%, min 6%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 2 ↗

USD

Salary paid into this bankPagaPlus4.5%Fixed for the first year

Then: CME Term SOFR + 4–6%, min 5%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 2 ↗
Other customersWithout PagaPlus5.5%Fixed for the first year

Then: CME Term SOFR + 5–7%, min 6%

The bank sets the margin by profile. The benchmark and payment can change after year one.

Official terms · page 2 ↗

Employment, income & eligibility

Over 18, with regular salary or business income and property documentation.

Age, income and documents
Over 18, with regular salary or business income and property documentation. ID, income evidence and property records are required; a spouse or family member may join as co-borrower. Source ↗
PagaPlus
PagaPlus rates require salary at Credins and the relevant package. Other-bank salary customers and customers without the package use the other option. 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 · PagaPlus · ALL 40,000,000 base

6.26% APR
Currency
ALL
Example amount
ALL 40,000,000
Term
300 months
Example nominal rate
4.90%
Example monthly payment
ALL 231,511

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 1 ↗

ALL · without PagaPlus · ALL 40,000,000 base

7.33% APR
Currency
ALL
Example amount
ALL 40,000,000
Term
300 months
Example nominal rate
5.90%
Example monthly payment
ALL 255,280

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 1 ↗

EUR · PagaPlus · ALL 40,000,000 base

5.26% APR
Currency
EUR
Example amount
Not specified
Term
300 months
Example nominal rate
4.50%
Example monthly payment
EUR 2,256

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 1 ↗

EUR · without PagaPlus · ALL 40,000,000 base

6.32% APR
Currency
EUR
Example amount
Not specified
Term
300 months
Example nominal rate
5.50%
Example monthly payment
EUR 2,493

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

USD · PagaPlus · ALL 40,000,000 base

5.24% APR
Currency
USD
Example amount
Not specified
Term
300 months
Example nominal rate
4.50%
Example monthly payment
USD 2,585

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

USD · without PagaPlus · ALL 40,000,000 base

6.29% APR
Currency
USD
Example amount
Not specified
Term
300 months
Example nominal rate
5.50%
Example monthly payment
USD 2,856

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

ALL · PagaPlus · ALL 10,000,000 base

6.27% APR
Currency
ALL
Example amount
ALL 10,000,000
Term
300 months
Example nominal rate
4.90%
Example monthly payment
ALL 57,877

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

ALL · without PagaPlus · ALL 10,000,000 base

7.34% APR
Currency
ALL
Example amount
ALL 10,000,000
Term
300 months
Example nominal rate
5.90%
Example monthly payment
ALL 63,820

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

EUR · PagaPlus · ALL 10,000,000 base

5.28% APR
Currency
EUR
Example amount
Not specified
Term
300 months
Example nominal rate
4.50%
Example monthly payment
EUR 561

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 2 ↗

EUR · without PagaPlus · ALL 10,000,000 base

6.34% APR
Currency
EUR
Example amount
Not specified
Term
300 months
Example nominal rate
5.50%
Example monthly payment
EUR 620

Published 25-year illustration; the displayed payment applies only in year one. The PDF totals and instalments do not fully reconcile, so no total is reproduced. Foreign-currency amounts are expressed using an ALL-equivalent base; ask for the exact principal and repayment schedule.

The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.

Bank’s example · page 3 ↗

Repayment, costs & documents

Amount and term
Up to ALL 40 million or the EUR/USD equivalent; up to 300 months. The reviewed material does not publish a minimum. Source ↗
Collateral and insurance
Collateral covering at least 130% of the loan; mandatory life and property insurance. Source ↗
Application and disbursement
No online application fee; ALL 1,000 in branch. Disbursement 0.5–1% of the loan, depending on the offer. Source ↗
Account maintenance
ALL 150/month if the customer has no existing account; insurance is priced separately. Source ↗
Early repayment
Up to 2% with over 1 year remaining, up to 1% with at most 1 year. No fee during the variable-rate period or for insurance-funded repayment. Source ↗

Benefits and limitations

✓ Apply online or in branch

✓ Co-borrower option

APRs are bank examples by currency and profile. PDF totals and instalments do not fully reconcile; request a corrected personal schedule.

The bank provides a profile-based offer. Calculator defaults are not treated as current offers.

Key published conditions
CurrenciesALL, EUR, USD
Salary at the lending bankPagaPlus pricing requires salary at Credins and the relevant package. Customers without that package have different rates, even if they hold an account. See both options by currency.
Maximum term (months)300
Published APR (%)ALL: 6.26 – 7.34% EUR: 5.26 – 6.34% USD: 5.24 – 6.29% · see examples and conditions
FeesDisbursim / Disbursement: 0.5–1%; aplikim online / online application: 0 ALL; degë / branch: 1,000 ALL
CollateralPronë e pranuar nga banka / Bank-approved property

Amounts, terms and pricing by currency

Currency / customerAmountMonthsAnnual rate
ALLHome loan— – 40,000,000—–300See nominal interest aboveUp to ALL 40 million or the foreign-currency equivalent; confirm the minimum and final conversion with the bank.
EURHome loan— – Confirm amount with bank—–300See nominal interest aboveUp to ALL 40 million or the foreign-currency equivalent; confirm the minimum and final conversion with the bank.
USDHome loan— – Confirm amount with bank—–300See nominal interest aboveUp to ALL 40 million or the foreign-currency equivalent; confirm the minimum and final conversion with the bank.
Official sources and supporting terms

Product page on the bank’s website ↗

Kredi Hipotekore - kushtet dhe shembujt NEI ↗Reviewed pages: 1, 2, 3