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 ↗

USD

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

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 →

USD: Not confirmed

The reviewed bank examples are in another currency.

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.

Key published conditions
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