Bank-published APR
5.86% APR- Currency
- ALL
- Example amount
- ALL 50,000,000
- Term
- Not specified
The page gives APR at the maximum amount without the example term or full assumptions. Not used to rank offers.
Bank’s example ↗Home Loan for Emigrants and Foreign Nationals
For buying, building or renovating a home in Albania with income from abroad.
First Investment Bank Albania
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
Interest and monthly payments over time
View rates by option (2)
ALL · Emigrants / foreign nationals · First year
- Year 1
- From 3.99%Fixed rate
- From year 2
- BTH 12M + 2.99%, min 4.99%
EUR · Emigrants / foreign nationals · First year
- Year 1
- From 3.99%Fixed rate
- From year 2
- Euribor 12M + 2.99%, min 4.99%
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 at the lending bank
No separate salary-transfer discount is published.
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
Emigrants / foreign nationalsFirst year
- Year 1
- From 3.99%Fixed rate
- From year 2
- BTH 12M + 2.99%, min 4.99%
The bank may add 1–3 percentage points according to risk. No salary-transfer discount is confirmed.
Official terms · page 2 ↗EUR · Euro
Emigrants / foreign nationalsFirst year
- Year 1
- From 3.99%Fixed rate
- From year 2
- Euribor 12M + 2.99%, min 4.99%
The bank may add 1–3 percentage points according to risk. No salary-transfer discount is confirmed.
Official terms · page 2 ↗Employment, income & eligibility
Albanian national living and working abroad, or a foreign national buying, building or renovating property in Albania.
- Documents from abroad
- ID/passport, residence permit, address evidence, employment contract, last-year tax return (two years if self-employed), last-year bank statements and credit reports from the country of residence and Albania. Source ↗
- Property documents
- Ownership certificate, map, updated property record, transfer-of-title document and preliminary purchase contract, as applicable. 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 →
Bank-published APR
6.00% APR- Currency
- EUR
- Example amount
- EUR 500,000
- Term
- Not specified
The page gives APR at the maximum amount without the example term or full assumptions. Not used to rank offers.
Bank’s example ↗Repayment, costs & documents
- Fees
- Management 1.5%; application ALL 10,000 / EUR 100. Valuation, notary and registration costs are additional. Source ↗
- Collateral and financing
- Page: up to 80% in ALL / 70% in EUR. PDF: first home 85% ALL / 75% EUR; second home 80% / 70%. Confirm the applicable percentage. Source ↗
- Early repayment
- 2% of the prepaid amount when more than one year remains; 1% when up to one year remains. Source ↗
- Life insurance
- Life insurance is not compulsory according to the bank page. Source ↗
- Risk-based pricing
- The base rate may increase by 1–3 percentage points following risk assessment. Displayed payments are indicative. Source ↗
- Ongoing costs
- Property insurance renews annually; the premium depends on the policy. The document also lists an account fee of EUR 1 per month. Source ↗
Benefits and limitations
✓ Up to 30 years
✓ Life insurance is optional
The bank may increase the rate by 1–3 percentage points following risk assessment. Payments are indicative.
The page and PDF give different collateral financing limits. Confirm your required contribution.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | No separate salary-transfer discount is published. |
| Maximum term (months) | 360 |
| Published APR (%) | ALL: 5.86% EUR: 6.00% · see examples and conditions |
| Fees | 1.5% + 10,000 ALL / 100 EUR |
| Collateral | Pasuri e paluajtshme / Real estate |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLEmigrants / foreign nationals | — – 50,000,000 | —–360 | See nominal interest aboveSubject to bank approval. |
| EUREmigrants / foreign nationals | — – 500,000 | —–360 | See nominal interest aboveSubject to bank approval. |
Official sources and supporting terms
Product page on the bank’s website ↗
Fibank · Kredi hipotekore për emigrantë dhe shtetas të huaj ↗Reviewed pages: 1, 2, 3, 4