Buy, build or renovate a home, with a choice of introductory periods.
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-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Then: BTH 12M + 1.99%, min 3.99%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: BTH 12M + 1.99%, min 3.99%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: Euribor 12M + 2.49%, min 4.99%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: Euribor 12M + 2.49%, min 4.99%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Albanian citizen, employed or self-employed with annual turnover no higher than ALL 14 million; 6 months of income evidence 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 →
The bank publishes APR for this amount without an explicit example term. The initial rate lasts 12 months. Then EUR: 12M Euribor + 2.49%, floor 4.99%; ALL: 12M T-bills + 1.99%, floor 3.99%.
Bank’s example ↗The bank publishes APR for this amount without an explicit example term. The initial rate lasts 24 months. Then EUR: 12M Euribor + 2.49%, floor 4.99%; ALL: 12M T-bills + 1.99%, floor 3.99%.
Bank’s example ↗The bank publishes APR for this amount without an explicit example term. The initial rate lasts 12 months. Then EUR: 12M Euribor + 2.49%, floor 4.99%; ALL: 12M T-bills + 1.99%, floor 3.99%.
Bank’s example ↗The bank publishes APR for this amount without an explicit example term. The initial rate lasts 24 months. Then EUR: 12M Euribor + 2.49%, floor 4.99%; ALL: 12M T-bills + 1.99%, floor 3.99%.
Bank’s example ↗✓ Up to 30 years for housing
✓ Up to 85%, subject to conditions
The page says “no limit” but examples use ALL 50 million / EUR 500,000 as the maximum. Confirm the final limit.
Introductory rates vary by currency, purpose and 12/24-month period; they are not full-term rates.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum term (months) | 360 |
| Published APR (%) | ALL: 4.92 – 4.96% EUR: 5.06 – 5.14% · see examples and conditions |
| Fees | Administrim / Administration: 1%; aplikim / application: sipas shumës / by amount |
| Collateral | Hipotekë mbi pasuri të paluajtshme / Property mortgage |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLResidential home | — – Confirm amount with bank | —–360 | See nominal interest aboveThe page says no amount limit, but examples call ALL 50 million / EUR 500,000 the maximum. Confirm the individual limit. |
| EURResidential home | — – Confirm amount with bank | —–360 | See nominal interest aboveThe page says no amount limit, but examples call ALL 50 million / EUR 500,000 the maximum. Confirm the individual limit. |
Product page on the bank’s website ↗
Informacioni parakontraktor - Kredi Hipotekore 5 Yje ↗Reviewed pages: 1, 5
