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

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

EUR · Euro

Secured by government securitiesVariable rate

Year 1: Euribor 12M + 1%, minimum 3.99%Variable · the benchmark may change

From year 2: Euribor 12M + 1%, minimum 3.99%Variable · the benchmark may change

Benchmark plus 1 percentage point. 3.99% is the minimum rate, not a guaranteed fixed rate.

Official terms · page 1 ↗

Employment, income & eligibility

For individuals holding Albanian government treasury bills or bonds registered with Fibank. Their market value must cover 133% of the loan.

Who can apply: Individuals holding Albanian government treasury bills or bonds registered with Fibank. The securities are pledged as collateral, with 133% coverage as stated by the bank. Source ↗
Documents: Branch application form; personal and family certificates from e-Albania; original securities certificate. 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 →

EUR: Not confirmed

The PDF does not specify APR for this variant. Figures on the shared page do not identify the applicable term and variant.

Repayment, costs & documents

Limit and term: Up to ALL 10,000,000 or its EUR equivalent; up to 12 months. The limit is repaid within the final 60 days of the term. Source ↗
Collateral-based limit: Up to 75% of the market value of treasury bills or bonds. Source ↗
Fees: Management fee 1% of the approved amount; 0% for Fibank employees. Blocking and releasing the securities each cost ALL 1,000. Source ↗
Early repayment: No fee for partial or full early repayment. Source ↗
Account and notary: Account: ALL 100 or EUR 1 monthly. Notarisation depends on the contracts and notary tariff; no notarial expenses apply to amounts up to ALL 1,000,000. Source ↗
Application: Application is free and completed at a branch. Source ↗
Repayments: Interest is paid at month end on the amount and days used, using a 360-day year. This is not a fixed monthly instalment loan. Source ↗
Renewal: Renewal is considered case by case by the bank. Source ↗

Benefits and limitations

✓ Finance up to 75% of securities market value

✓ Up to ALL 10,000,000 or the EUR equivalent

Securities are required as collateral; the interest rate is variable.

Key published conditions
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)	12
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Fees	Menaxhim 1%; 0% për punonjësit e Fibank. Bllokim/zhbllokim i letrave me vlerë: 1,000 LEK secili. Llogaria: 100 LEK / 1 EUR në muaj. / Management 1%; 0% for Fibank employees. Securities block/release: ALL 1,000 each. Account: ALL 100 / EUR 1 monthly.
Collateral	Bono thesari / obligacione të Qeverisë Shqiptare të regjistruara në Fibank. / Albanian government treasury bills / bonds registered with Fibank.

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLPublished terms	— – 10,000,000	—–12	See nominal interest aboveUp to ALL 10,000,000 for 12 months, subject to collateral value.
EURPublished terms	— – Confirm amount with bank	—–12	See nominal interest aboveEUR equivalent of ALL 10,000,000; conversion and amount are confirmed by the bank.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Overdraft me letra me vlerë

Overdraft i siguruar me letra me vlerë ↗Reviewed pages: 1, 2