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

The relevant income payment must be credited to Fibank, subject to bank approval.

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

On the amount usedAnnual interest

Year 1: 11.9%Fixed rate

From year 2: Not applicableThe loan ends within year 1.

Calculated for each day used on a 360-day basis. Interest is paid at month-end.

Official terms · page 1 ↗

Employment, income & eligibility

The relevant income payment must be credited to Fibank, subject to bank approval.

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: Not confirmed

The page quotes an “up to” APR without a complete illustration matching the personal limit. The PDF leaves APR for the individual offer; it is not shown as a guaranteed rate.

Repayment, costs & documents

Limit: Up to one monthly pension. Source ↗
Management fee: 1% of the approved limit. Source ↗
Repayment: Monthly interest depends on the amount and days used; principal can be repaid partly or fully. There is no level installment like a term loan. Source ↗
Term and renewal: Repay within the last 60 days of the term; renewal depends on continued income credits at Fibank. Source ↗

Benefits and limitations

✓ No property mortgage

✓ Interest only on the amount used

Key published conditions
Currencies	ALL
Salary at the lending bank	The relevant income payment must be credited to Fibank, subject to bank approval.
Maximum term (months)	6
Published APR (%)	Not confirmed
Fees	1%

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLOverdraft	— – Confirm amount with bank	—–6	11.9%Subject to profile and bank assessment.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Paradhënie mbi pensionin

Fibank — Overdraft për pensionistë ↗Reviewed pages: 1, 2